Conservative Fund
Pathfinder's KiwiSaver Conservative Fund aims to preserve your KiwiSaver balance, with some growth.
Why Conservative?
Ethical investing to achieve modest returns with a lower risk exposure.
Our Conservative Fund walks the talk
These anti-greenwashing badges from Mindful Money show that our Conservative Fund is Animal Cruelty-Free, Fossil Fuel-Free and Weapons-Free. Learn more about Mindful Money Badges here.
Performance
Ethical investing to achieve modest returns with a lower risk focus, with a higher exposure to income assets and lower exposure to growth assets. The Fund's value is unlikely to fluctuate as much as the Balanced Fund or Growth Fund.
Past performance is no guarantee of future return. We encourage all investors to seek independent financial advice prior to making investment decisions.
Returns
-0.5%
1 month
-3.3%
6 months
0.0%
1 year
3.5%
p.a. since inception*
Performance figures as of 31/05/22, and are after fees before tax. Past performance is no guarantee of future returns. We encourage all investors to seek independent financial advice prior to making investment decisions. *31/07/19 (date of inception)
Risk Level
This Fund is suited to an investor with a lower tolerance to risk and a minimum investment timeframe of 3+ years.
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 relevant market index returns from April 2016 to July 2019 (when the Fund was not in exsistence) and its returns since then. 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.
Investor notes
Ethical Approach
The Pathfinder KiwiSaver Balanced Fund has been designated a Certified Responsible Investment by RIAA (Responsible Investment Association Australasia).
Diversification
A diversified selection of fixed interest investments and global companies that score highly on environmental, social and governance ratings.
Target Investment
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
146
Asset Class
Cash (and Cash Equivalents), NZ Fixed Income, International Fixed Income, Australasian Equities, International Equities, Listed Property, Other Assets
Investment horizon
3+ years
Benchmark
Morningstar® Target Allocation Index:
Conservative Multisector for New Zealand
Current Hedging Target
100% of non-NZD Fixed Income exposure
0% of other non-NZD exposure
Compare our funds
What fund type is best for you? It’s a personal decision to identify the fund that is correct for you – Growth, Balanced or Conservative.
| Growth Fund | Balanced Fund | Conservative Fund | |
|---|---|---|---|
| Return focus | Medium to high | Medium | Modest |
| Risk focus | Higher | Medium | Lower |
| Likely fluctuation in value | More than the Balanced or Conservative Funds | More than Conservative Fund but less than Growth Fund | Less than both the Growth Fund and Balanced Fund |
| Minimum suggested time frame | 10+ years (long term) | 5+ years | 3+ years |
| Estimated annual fund fees | 1.29% p.a. | 1.14% p.a. | 0.84% p.a. |
In addition to our management fee, an annual administration fee of $27 is also charged (except for balances below $1,000). There is no administration fee charged on accounts for minors.
Investor Documents
View & download these investor document packs
