- Agriculture and fisheries
- Banking and finance
- Bonds and fixed income
- Energy and utilities
- Food and drink
- Healthcare
- Index funds
- Infrastructure
- Manufacturing
- Media
- Mining, oil and gas
- Property
- Responsible
- Retail
- Strategic funds
- Technology
- Tourism
- Transport
Let’s make an investment plan
Your investment plan tells us how you’d like your KiwiSaver balance and ongoing contributions invested. It’s made up of one or more base funds, and any picks you add.
First, choose one or more base funds
Choose base fund
Then, Select your own picks
If you like, add your own picks to your investment plan. Choose from nearly 100 companies and exchange-traded funds (ETFs) listed on the NZX.
To select your own picks, choose a base fund first
About the investment plan builder
The investment plan builder is designed to help you understand how the Sharesies KiwiSaver Scheme works and lets you explore the base funds and self-select investments you can choose from.
By making your own investment plan, you can get an indication of the fees you may be charged as well as the overall risk profile of your selections. You then have the option to join the scheme straight away, or save your plan for later.
Fee estimates provided by the investment plan builder are just a guide, and may not reflect the actual fees you’re charged.
How the risk indicator works
The risk indicator can help you assess how the investments you’ve chosen affect the overall volatility and risk of your investment plan.
What the risk rating means
You’ll be given a risk rating from 1 (low) to 7 (high) that reflects how much the value of your KiwiSaver portfolio’s assets might go up and down over time.
A higher rating generally means higher potential returns over time, but with more ups and downs along the way. A lower rating generally means lower potential returns over time, but with less extreme ups and downs.
Keep in mind that even the lowest rating doesn’t mean an investment plan is risk-free, and there are other risks that aren’t captured by this rating.
How we calculate the risk rating
We use an industry-standard formula known as portfolio variance to calculate the historical volatility of your investment plan, weighted to accommodate the percentage you’ve allocated to each investment.
Some things to keep in mind about the rating:
- it’s not a guarantee of your KiwiSaver portfolio’s future performance
- it’s calculated using historical returns data
- it might shift from time to time.
We’ll continue to update the risk indicator over time—we’ll let you know if the way we calculate the rating changes.
Work out your risk comfort level
Different levels of risk will suit different people depending on goals, risk appetite, and circumstances. There’s no right level—just what’s right for you!
To help you figure out your own attitude to risk, seek financial advice or work out your risk profile at Sorted.
About the estimated annual fund charge
The estimated annual fund charge is a weighted average of the annual fees charged by the funds in your investment plan.
How you can use it
The estimated annual fund charge can help you to:
- get a more accurate estimation of the fees charged on your KiwiSaver balance over a year
- have more control over your investment plan’s annual fees by adjusting which funds you invest in and how much you allocate into each
- make easier comparisons with the annual fund charges of funds in other schemes.
How it’s calculated
The estimated annual fund charge is calculated on:
- annual fund charge(s) of your base fund(s)
- admin fee(s) on your pick(s)
- underlying management fee(s) for any ETFs you’ve picked.
Transaction fees and currency exchange fees aren’t included.
It’s calculated by multiplying the annual fees of each fund in your investment plan by the percentage you’ve allocated into them. The results are then added together to give you the estimated annual fund charge for your investment plan.
For example
An example investment plan that includes a 25% allocation to the Pie Global Growth Fund, a 50% allocation to the Pathfinder Ethical Growth Fund, and a 25% allocation across 5 self-select picks would have an estimated annual fund charge of 1.08%.
Investment plan allocation
Estimated fee
Pie Global Growth Fund
1.52% annual fund charge
Pathfinder Ethical Growth Fund
1.32% annual fund charge
