Managed Funds
Put your money to work with a plan behind itManaged funds can help you build wealth outside KiwiSaver while keeping your investments diversified and professionally managed. The important part is choosing a strategy that fits what the money is for.
Invest with your outcome in mind
Your goals, timeframe, access needs and comfort with market movement should shape your investment decisions.Understand your options
Consider managed funds alongside your mortgage, cash reserve, KiwiSaver, property and retirement plans.Build a joined-up strategy
Make investment choices that fit your wider financial position, not an isolated product decision.
We help you understand
How much risk is appropriate for your goal and timeframe
The difference between income, balanced and growth-focused options
Diversification, fees, tax considerations and access to your money
Whether regular investing, a lump sum or a staged approach may suit
How your investments will be monitored and reviewed
Clarity before action
We explain the options in plain language, recommend a suitable approach and help you implement it. As markets move and your circumstances change, we can review the plan and adjust it where needed.Investing involves risk and returns are not guaranteed. A well-structured plan cannot remove uncertainty, but it can help you take the right level of risk for the outcome you are working towards.
FAQ
Answers to common questions about managed funds.- A managed fund pools your money with other investors in a professionally managed portfolio that may include shares, bonds, property and cash. KiwiSaver is a type of managed fund with specific contribution and withdrawal rules, while other managed funds can support a wider range of goals and may offer greater access to your money.When you invest in a managed fund, you purchase units in a portfolio overseen by a professional fund manager. The manager selects and monitors investments according to the fund’s stated strategy, and the value of your units rises or falls with those investments. Funds can vary widely in their asset mix, risk, fees, tax treatment and access conditions. KiwiSaver operates on the same pooled-investment principle but is designed mainly for retirement and eligible first-home withdrawals, with regulated contribution and withdrawal requirements. A non-KiwiSaver managed fund may offer easier access depending on withdrawal terms, making it potentially suitable for education, income, a future purchase or other goals before retirement.
- The right managed fund depends on what the money is for, when you may need it and how comfortable you are with changes in its value. We consider your goals, timeframe, access needs and wider financial position, then recommend a suitable investment mix and level of risk.Choosing a fund begins with defining the outcome you want and when the money will be required. A short-term goal needs a different investment approach from wealth intended for retirement or future generations. We assess your need for access, ability and willingness to accept market risk, tax position, existing investments and whether you plan to invest regularly or as a lump sum. We then compare suitable income, balanced and growth-oriented strategies, including their diversification, fees and expected fluctuations. The recommendation should give your money a clear purpose and fit comfortably within your financial plan.
- Compare the fund’s investment strategy, asset mix, diversification, risk, fees, tax treatment and withdrawal terms – not recent returns alone. Past performance does not guarantee future results, so each factor should be considered within your wider financial plan.Start by understanding what the fund owns, how it is managed and what volatility you should expect. Compare its asset allocation, diversification, fees, tax structure, withdrawal rules, responsible-investment approach and stated strategy. Returns should be assessed over a relevant timeframe and alongside the risks taken to achieve them, rather than treated as a ranking table. We explain these trade-offs and consider whether the fund complements your investments, goals and need for access.