This might suit you if…
- you're saving for a specific goal, such as education, property, travel or retirement
- you want an emergency fund
- you’re heading towards financial independence and want a reliable source of income.
Here’s what you get:
- A convenient way of creating and maintaining a diversified investment portfolio with access to a wide range of investments.
- A customised strategy, developed under the guidance of a professional adviser with regular reviews.
- Quarterly or six-monthly reports, annual tax statements and access to quarterly fund updates.
Why AMP Investment Trust
Flexibility - You decide which funds you invest in and when to withdraw.
Access to a wide range of funds - Through AMP Investment Trust, your money is combined with other people's which opens the door to Fund Managers you may not be able to access as an individual investor.
A strategy and portfolio for each goal - You can set up separate investment accounts for each of your goals.
Peace of mind - Wide choice of fund types and proven Fund Managers with the reassurance of working with an experienced Adviser.
Steps to set up your portfolio
Fact gathering - Initial meeting with your Adviser to discuss your goals and understand your financial circumstances.
Proposal - Second meeting. Presentation and discussion of the proposed investment strategy.
Plans become action - Establishing your investment account(s) and portfolio and opening a Cash Management Account (CMA).
Regular reporting - Quarterly or six-monthly investment reports, annual tax statements and access to quarterly fund updates.
Regular reviews - Annual meeting with your Adviser to review your portfolio and goals.
Your fund choicesShow more
Within AMP Investment Trust there is a range of funds you can choose from. Your choice of funds will be determined by your risk profile and the timeframes for your various goals.
Trust Fund Name
|Growth Portfolio||Moderately Aggressive||Medium-Long|
|Fixed interest funds|
|Global Bonds - Multi Manager||Conservative||Short|
|Fixed Interest Income||Conservative||Short|
|NZ Fixed Interest||Conservative||Short|
|Property and infrastructure funds|
|Australasian Shares - Multi Manager||Aggressive||Long|
|Global Equities - Multi Manager||Aggressive||Long|
* The suggested investment timeframe periods are short term - 1 - 3 years, medium term - 4 - 7 years, long term - more than 7 years.
What type of investor are you?Show more
Are you the slow but steady type or do you have an appetite for ups and downs? Take a look at the descriptions below to see what best fits your profile.
|You’re a conservative investor. Risk must be very low and you are prepared to accept lower returns to protect capital. The negative effects of inflation will not concern you, provided your initial investment is protected.|
|You’re a moderate investor seeking better than basic returns, but risk must be low. Typically an investor seeking to protect the wealth that you have accumulated, you may be prepared to consider a lower proportion of growth assets.|
|You’re a balanced investor who wants a diversified portfolio to work towards medium to long-term financial goals. You require an investment strategy that will cope with the effects of inflation. Calculated risks will be acceptable to you to achieve good returns.|
|You’re a moderately aggressive investor, probably earning sufficient income to invest most funds for capital growth. Prepared to accept higher volatility and moderate risks, your primary concern is to accumulate assets over the medium to long term. The assets you hold will be similar to a balanced portfolio but a higher proportion of aggressive assets will be included.|
|You’re an aggressive investor prepared to compromise portfolio balance to pursue potentially greater long-term returns. Your investment choices are diverse, but carry with them a higher level of risk. Security of capital is secondary to the potential for wealth accumulation.|
Making contributions to your investmentsShow more
Your investment in AMP Investment Trust is designed to be easy and flexible for you to manage. While minimum investment amounts do apply, you can invest lump sums and/or make regular investments through direct debits.
- Regular contributions: Once you have made your initial lump sum investment, it’s easy to make regular payments by direct debit. To set up a direct debit, complete a direct debit authority form, which is available from your Adviser, and then simply choose weekly, fortnightly, four-weekly, monthly or quarterly payments. Each payment should be at least $50*. Lesser amounts are possible at our discretion.
- Lump sum contributions: You can make lump sum payments as often as you like. The initial investment must be at least $1,000* for each fund. Each additional lump sum payments must be a minimum of $250*. You can make lump sum payments by cheque, payable to 'The AMP Investment Suite Subscription Account'. You need to attach your cheque to the appropriate application form or additional deposit form, which is available from your Adviser. Give the completed form and cheque to your Adviser or send them to us.
- Yearly increase facility: You can choose to use the yearly increase facility, which means your direct debit amount increases each year by either:
- A percentage specified by you (minimum 5%), or
- The annual inflation rate (official Consumer Price Index calculated by Statistics New Zealand)
We’ll increase your payments on the anniversary of your initial investment. You will receive five weeks’ notice of the increase and have the option to decline it.
* Advisers may apply higher minimums than shown above to their services. You can obtain further information about these from your Adviser.
Withdrawals and changesShow more
You can request a withdrawal anytime you like and you can set up a regular or one-off withdrawal at any time. The minimum lump sum amount you can withdraw from your investment is $500. Regular withdrawals of a minimum of $100 can be made monthly or quarterly. The minimum amount remaining in any fund after a withdrawal is $1,000. No fees are payable for withdrawals. When making a withdrawal, you’ll need to ensure your fund balance and the Cash Management Account (CMA) don’t fall below the minimums.
Your investment in any of the funds is flexible. You can invest additional amounts, change the amount and frequency of any regular investments or suspend them for a specified period of time. Switches between funds can also be made. There may also be times when we need to make changes to the funds and we will advise you of any such change.
To join AMP Investment Trust call us on 0800 267 111 or contact your Adviser.