A LAZY $710,000? OR A HARDWORKING $1,010,000?
That's the possible difference a 1.6% per annum return could make to a KiwiSaver investment. 1.6% sounds small but over time can turn in to hundreds of thousands. Check you're in the right fund so you don't miss out.
There are simple steps you can take to find out if you need to move. First, find out how much risk you can manage. Next, check your risk level lines up with your existing fund - if not, talk with a specialist to find the right fit for you.
Your risk level is personal to you. Which is why it's not always wise to pick an investment based on what your friends, parents or colleagues are doing. If you'd like help with this, you can speak with a specialist.
CRAIGS KIWISAVER SCHEME GIVES YOU GREATER CHOICE
My KiwiSaver account lets me invest in companies that I want to support. For me the ethical aspect is really important. I decide what to invest in but my Adviser gives me recommendations along the way and answers any questions I might have.
PETER*, CRAIGS KIWISAVER SCHEME CLIENT
TALK TO THE EXPERTS
MAKE SURE THE FUND YOU'RE IN SUITS YOU
Depending on who you are, your capacity for investment risk and your stage of life; there are different ways you should approach your KiwiSaver portfolio. We have two examples of typical Craigs KiwiSaver Scheme clients with different circumstances to demonstrate the different types of investment portfolio you can build here at Craigs.
^Representative examples of clients only.
KATE, 35 YEARS OLD
Kate^ is 35, she joined KiwiSaver 10 years ago and contributes 4% of her annual salary, which is now $125,000.
GREG, 43 YEARS OLD
Greg^ is 43 and earns $160,000 per year. He has been part of KiwiSaver for just over 10 years, and his investment balance has now reached approximately $130,000.