What fund might fit you?

Getting the right fit can make all the difference in achieving your savings goals
Find out what fits you
 
 
 
 

Step1

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To work out what fund might fit you, we need to find out a bit about you...

 
please enter your 'first name'.
 
please enter your 'year of birth' as a number.
 
please enter numbers only, or 0 if unsure.

Step2

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Find out what fund might fit you...

Question 1

What are you using KiwiSaver for?

 Buying a first home
 My retirement
 Not sure

Step3

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Question 2

When are you thinking about buying your first home?

 Within the next 5 years
 Between 6 - 10 years
 More than 10 years away (not as soon as I'd like!)

Step4

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Question 2

Thinking about your life after you turn 65, when do you expect you'll start spending your KiwiSaver savings?

 I expect I'll start spending my KiwiSaver savings at 65
 I expect I'll start spending my KiwiSaver savings at 70

Step5

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Question 3

When thinking about your KiwiSaver savings, which statement best describes you?

 I want the potential for my money to grow quicker and I'm OK with seeing more ups and downs in my balance. I realise this means I might see my balance drop sometimes, but my balance at the end of my KiwiSaver journey may be higher than if I'd taken less risk.
 I'm happy for my money to grow at a medium rate and I'm OK with seeing some ups and downs in my balance. I realise this means my balance at the end of my KiwiSaver journey may be lower than if I'd taken more risk.
 I'm happy for my money to grow slower because I don't want to see as many ups and downs in my balance. I realise this means my balance at the end of my KiwiSaver journey may be lower than if I'd taken more risk.

Step6

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Question 4

 
 I think a conservative fund fits me.
 I think a balanced fund fits me.
 
 I think a conservative fund fits me.
 I think a growth fund fits me.
 
 I think a conservative fund fits me.
 I think a balanced fund fits me.
 
 I think a balanced fund fits me.
 I think a high growth fund fits me.
 
 I think a growth fund fits me.
 I think a high growth fund fits me.
 
 I think a conservative fund fits me.
 I think a balanced fund fits me. (By investing in a fund that is more likely to have ups and downs in the short to medium term, there's an increased risk your balance could drop suddenly. This means that when you are ready to buy your first home your balance may be less than if you invested in a more conservative fund that grows slowly.)
 
 I think a conservative fund fits me.
 I think a growth fund fits me. (By investing in a fund that is more likely to have ups and downs in the short to medium term, there's an increased risk your balance could drop suddenly. This means that when you are ready to buy your first home your balance may be less than if you invested in a more conservative fund that grows slowly.)
 
 I think a conservative fund fits me.
 I think a balanced fund fits me.
 
 I think a balanced fund fits me.
 I think a high growth fund fits me.
 
 I think a growth fund fits me.
 I think a high growth fund fits me.

Notes:

  • The chart assumes the growth of the invested amount in the fund(s) from 1st July 2015 to 30 June 2020, with no further contributions.
  • The chart shows cumulative returns after fees and tax at the highest prescribed investor rate (PIR) over a period of five years for an individual New Zealand resident. Your tax may be lower.
  • Past performance is not necessarily an indication of future performance.

The money in your AMP KiwiSaver Scheme account is invested for you by a team of experienced investment professionals (fund managers). You have options when it comes to choosing which funds your savings are invested in.

Each fund suits different investors; depending on how long you want to invest for and your willingness to take investment risks to potentially receive higher returns in the long term.

Changing funds because of market fluctuations?

If the market fluctuations are why you are changing funds, here are a few things to consider before you do.

  • Balances and unit prices available to you today may be up to 3 business days old
  • Once the fund change is accepted, transactions may take up to 3 business days to process
  • The change will be processed at the unit price available on the date of processing. This might be different to the unit price you see today

If the market goes up or down while you are in the process of changing funds, your balance may also go up or down.

AMP Wealth Management New Zealand Limited is the issuer and manager of the AMP KiwiSaver Scheme (the 'Scheme'). The Supervisor of the Scheme is The New Zealand Guardian Trust Company Limited.

For more information, download a copy of the AMP KiwiSaver Scheme Product Disclosure Statement and Fund Update Booklet, which have been lodged on the Scheme's offers register entry at companiesoffice.govt.nz/disclose.

While care has been taken to supply information on this website and within the chatbot tool that is accurate, no entity or person gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way including from any error or omission. The content provided is intended to be used as information only and does not constitute personalised advice. Before acting on any of the results provided, we recommend that you seek advice which takes your individual circumstances into account.

A disclosure statement is available from your Adviser, on request and free of charge.

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