Kiwisaver Conservative Fund
Lower risk, modest returns
Looking to invest for 3+ years? This Fund could be the one for you
Average annual return:
3.2% p.a. since inception July 2019
Minimum suggested time frame:
Estimated fund fees:
Which fund is right for you?
Take the quiz.
Pick Pathfinder and you’ll be investing in...
We focus on investing positively. This includes selecting well-managed, quality companies that meet our ethical standards and, where we can, private companies that have real-world impact.Learn more about our investments
What we don’t invest in:
We avoid investments that disrespect people, our planet and animals (some examples below). Both thresholds and exceptions may apply - please see our Ethical Investment Policy for more detail.
Palm Oil & GMOs
p.a. since inception*
Past performance is no guarantee of future return. We encourage all investors to seek independent financial advice prior to making investment decisions. *31/07/19 (date of inception). To compare fund returns against the fund benchmark visit our Performance and Returns page.
Performance figures as of 30/04/2023, and are after fees before tax
This Fund is suited to an investor with a lower tolerance to risk and a minimum investment timeframe of 3+ years.
Potentially Lower Returns
Potentially Higher Returns
The rating reflects how much the value of the Fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way. This risk indicator is not a guarantee of a fund’s future performance. The Fund does not have a five-year history. The risk indicators were prepared using the relevant market index returns when the fund was not in existence, and the funds returns since inception. While risk indicators are usually relatively stable, they do shift from time to time. You can see the most recent risk indicator in the latest fund update for the Funds.
Compare our funds.
Choose the right fund for your risk tolerance and goals.
|KiwiSaver Growth||KiwiSaver Balanced||KiwiSaver Conservative|
|Return focus||Medium to High||Medium||Modest|
|Likely fluctuation in value||More than the Balanced or Conservative Funds||More than Conservative Fund but less than Growth Fund||Less than the Balanced or Growth Funds|
|Minimum suggested time frame||10+ years (long term)||5+ years||3+ years|
|Estimated fund fees||1.29% p.a.||1.14% p.a.||0.84% p.a.|
|Fund return since inception||9.0% p.a.||6.0% p.a.||3.2% p.a.|
The Pathfinder KiwiSaver Growth Fund has been designated a Certified Responsible Investment by RIAA (Responsible Investment Association Australasia).
The fund is diversified across asset classes, industries and geographies. We use environmental, social and governance metrics, as well as financial metrics when making investment decisions.View Holdings
25.3% Cash & Cash Equivalents
25.8% New Zealand Fixed Interest
33.5% International Fixed Interest
3.6% Australasian Equities
6.8% International Equities
5.0% Other Assets
Number of Holdings
Cash (and Cash Equivalents), NZ Fixed Interest, International Fixed Interest, Australasian Equities, International Equities, Listed Property, Other Assets.
Morningstar® Target Allocation Index™: Conservative Multisector for New Zealand (non-New Zealand Fixed Interest 100% hedged to NZD. The index is gross of dividends and tax except for International Equities and International Listed Properties, which are gross of dividends after deducting the tax withheld)
Current Hedging Target
100% of non-NZD Fixed Income exposure
0% of other non-NZD exposure
Are you ready to invest in better?
Grab your IRD number, drivers license, or passport.
It'll take around 3 minutes.
Ready to start?Join us
Kiwisaver Fund FAQs
How can I make a deposit into my KiwiSaver account?
Am I eligible to join KiwiSaver?
Are my KiwiSaver returns guaranteed?
Can I access my KiwiSaver account before I retire?
How do I apply for a first home withdrawal?
Can I put my KiwiSaver contributions on hold?
How do I change fund type?
What are my options when I retire?
Can I transfer my Australian Super into KiwiSaver?
Can people under the age of 18 join KiwiSaver?
I have a KiwiSaver account, how do I set up a managed fund account?
What KiwiSaver fund should I choose?
How do I contribute once I've retired?
How can I check my balance?
Why can't I see my funds yet?
Do you have an app?
Can I set up an account for a minor?
How do I log in?
How do I apply for serious illness withdrawal?
Can I split my KiwiSaver between fund types?
Can I use my KiwiSaver to buy a first home?
How much does my employer pay into my KiwiSaver account?
What are the minimum contribution rates?
How do I apply for a HomeStart grant?
What are your KiwiSaver fund fees?
How do Government contributions work?
How do I apply for a KiwiSaver financial hardship withdrawal?
Why isn't my deposit showing in my KiwiSaver balance?
What's the difference between active and passive managers?