This fund is mostly invested in income assets, with a limited exposure to growth assets.
The minimum suggested investment timeframe is 3 years.
Simplicity Fee
Market Average
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.
1 Month
3 Months
1 Year
2 Years
3 Years
5 Years
* These returns are to 31-03-2024 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.
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.
Yes, but the objective of the Conservative 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. The Conservative Fund has exposure to both. Please read the Statement of Investment Policy and Objectives (SIPO) to learn more.
Growth assets are included in the Conservative Fund to try and enhance returns over the long term.
Unlike a bank term deposit which returns a fixed rate of return for a given period, the Conservative Fund is invested in a range of assets, and the value of these investments fluctuates daily with movements in the market.
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.
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
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.
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”).
This fund invests mostly in growth assets, with a limited exposure to income assets.
This fund invests mostly in growth assets.
This fund is invested in a mix of growth and income assets.
This fund is invested in a mix of growth and income assets.
This fund is mostly invested in income assets, with very limited exposure to growth assets.
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