Conservative
Investment Fund
This fund has 23% growth assets and 77% income assets.
The minimum suggested investment timeframe is 3 years.
Simplicity Fee
0.25%
Market Average
0.96% *
Why invest in this fund?
Targets lower volatility
With a higher allocation to income assets, this fund suits investors seeking more stable short-term returns.
Low, low fees
We're focused on keeping fees low. Because the less we take, the more you can make.
Access to your money at any time
No minimum investment term, and you can set up regular or one-off withdrawals at any time.
Ethically screened
All our funds are ethically screened, in accordance with our Responsible Investment Policy.
What this fund invests in
Over 4,000 investments in more than 20 countries.
The target asset allocations are 23% in growth assets (17% International shares, 3.5% New Zealand shares, 2.5% unlisted property) and 77% in income assets (2% cash and cash equivalents, 33% New Zealand fixed interest, and 42% International fixed interest).
The returns and volatility are likely to be higher over the longer term (10 years or more) than the Defensive Fund, but lower than the Balanced Fund.
This option suits members seeking lower volatility of returns.
Target asset allocation
Performance
1 Month
6 Months
1 Year
2 Years
3 Years
5 Years
* These returns are to 30-09-2024 and are before tax and after fund management fees. Yearly returns are per annum. Past performance is not necessarily an indicator of future performance and return periods may differ.
Risk Profile
The risk indicator reflects how much the value of the Fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way.
Note that even the lowest category does not mean a risk-free investment, and there are other risks that are not captured in this rating. This risk indicator is not a guarantee of a fund’s future performance. While risk indicators are usually relatively stable, they do shift from time to time. The risk indicator reflects the most recent quarterly fund update or the PDS if a fund update has not yet been produced and will continue to be updated in future fund updates. See the product disclosure statement (PDS) for more information about the risk indicator and the risks associated with investing in this fund.
Frequently Asked Questions
Can the value of the Conservative Investment Fund go down?
Yes, but the objective of the Conservative Investment Fund is to minimise negative returns over the short term. It has higher proportions of investment in income assets, such as bonds, while still providing the opportunity for positive real returns over the longer term by investing a small proportion of the Fund in growth assets such as equities and property. This Fund is suited to investors seeking lower volatility of returns with a minimum suggested timeframe of 3 years.
For information on specific risks, please refer to the Product Disclosure Statement (PDS).
Yes, but the objective of the Conservative Investment Fund is to minimise negative returns over the short term. It has higher proportions of investment in income assets, such as bonds, while still providing the opportunity for positive real returns over the longer term by investing a small proportion of the Fund in growth assets such as equities and property. This Fund is suited to investors seeking lower volatility of returns with a minimum suggested timeframe of 3 years.
For information on specific risks, please refer to the Product Disclosure Statement (PDS).
Does the Conservative Investment Fund invest in unlisted property investments and loans secured by first mortgages?
Yes. The Conservative Investment Fund has exposure to both. Please read the Statement of Investment Policy and Objectives (SIPO) to learn more.
Yes. The Conservative Investment Fund has exposure to both. Please read the Statement of Investment Policy and Objectives (SIPO) to learn more.
Why are Growth assets included in the Conservative Investment Fund?
Growth assets are included in the Conservative Investment Fund to try and enhance returns over the long term.
Growth assets are included in the Conservative Investment Fund to try and enhance returns over the long term.
How does the Conservative Investment Fund differ from a Term Deposit?
Unlike a bank term deposit which returns a fixed rate of return for a given period, the Conservative Investment Fund is invested in a range of assets, and the value of these investments fluctuates daily with movements in the market.
Unlike a bank term deposit which returns a fixed rate of return for a given period, the Conservative Investment Fund is invested in a range of assets, and the value of these investments fluctuates daily with movements in the market.
Key Documents
Latest Fund Update
This document is produced quarterly and tells you how the fund has performed and what fees were charged and will help you to compare the fund with other funds.
Product Disclosure Statement
This document gives you important information to help you decide whether you want to invest. There is other useful information about this offer on companiesoffice.govt.nz/disclose
Statement of Investment Policy and Objectives (SIPO)
This policy describes Simplicity NZ Limited’s Governing Principles, provides a description of the Scheme, outlines its purpose and philosophy, its investment objectives and policies. It also covers investment performance monitoring and reporting.
Responsible Investment Policy
This policy describes Simplicity NZ Limited’s approach to responsible investment. This policy is to be read alongside our scheme governing documents, including the Statement of Investment Policy and Objectives (“SIPO”), Product Disclosure Statement (“PDS”) and Other Material Information (“OMI”).
Other funds you may be interested in..
Growth
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Balanced
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Hedged Global Share
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NZ Share
This fund invests in shares listed on the New Zealand Stock Exchange.
Unhedged Global Share
This fund invests in listed company shares in developed markets and is designed to be part of a diversified investment portfolio.
NZ Bond
This fund invests in New Zealand government and investment grade bonds issued in New Zealand dollars.
Hedged Global Bond
This fund invests in investment grade bonds in developed markets and is designed to be part of a diversified investment portfolio.
NZ Cash
This fund invests in a portfolio of cash, short term bonds and other debt securities.
Minutes to join
Grab your IRD number and driver licence or passport, and fill in the form. We’ll do everything else %)