KATE, 35 YEARS OLD
Kate invests in a fund that suits her risk profile and has added direct investments to her KiwiSaver portfolio with help from her adviser.
Kate^ is 35, married with 2 children. She joined KiwiSaver 10 years ago and has contributed 4% of her annual salary, which is now $125,000.
Initially she invested in a Growth Fund as it suited her risk profile and provided a diversified base for her to start her investment portfolio. As her balance grew, she started to add direct investments into her portfolio to gain additional exposure to certain sectors and markets.
Ultimately all investment decisions are Kate’s to make but her investment adviser provides objective advice on companies along the way to help her to make informed decisions.