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High Growth Fund
This fund invests mostly in growth assets.
Growth Fund
This fund invests mostly in growth assets, with a limited exposure to income assets.
Balanced Fund
This fund is invested in a mix of growth and income assets.
Default Fund
Conservative Fund
This fund is mostly invested in income assets, with a limited exposure to growth assets.
Defensive Fund
This fund is mostly invested in income assets, with very limited exposure to growth assets.
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This fund invests in a mix of growth and income assets.
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NZ Share Fund
This fund invests in shares listed on the New Zealand Stock Exchange.
NZ Bond Fund
This fund invests in New Zealand government and investment grade bonds issued in New Zealand dollars.
NZ Cash Fund
This fund invests in a portfolio of cash, short term bonds and other debt securities.
Hedged Global Share Fund
This fund invests in listed company shares in developed markets and is designed to be part of a diversified investment portfolio.
Unhedged Global Share Fund
Hedged Global Bond Fund
This fund invests in investment grade bonds in developed markets and is designed to be part of a diversified investment portfolio.
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11/12/2025
Shamubeel discusses whether he thinks we're actually in an 'AI bubble', what might happen in markets and the broader financial system if said bubble pops, and what to do to in order to prepare for whatever comes next
Published 11/12/2025
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Published 24/11/2025
Luxon’s 12.5% proposal marks a turning point for KiwiSaver, but contribution increases alone won’t future-proof our retirement system. Real progress will come from thoughtful reforms that make saving fairer and more sustainable.
Published 18/09/2025
New Zealand’s recession is deeper and longer than past downturns, driven by high interest rates, falling investment and shrinking household spending power. Shamubeel Eaqub argues urgent policy action is needed to stabilise the economy and prepare for recovery.
Published 12/09/2025
A quick run to the shop for milk and bread has gotten expensive fast. It feels symptomatic of the everyday costs that are making so many Kiwis feel worse off.
Published 01/09/2025
Despite a tough recession with many business closures and shrinking job numbers, New Zealand still saw more businesses start than shut in the past year. What does this unusual growth mean?
Published 27/08/2025
New Zealand’s ageing population and rising inequality raise big questions about the future of KiwiSaver - can it build resilience, fairness, and financial security for generations to come? This article explores international lessons and shows how starting earlier, contributing more,...
Published 07/08/2025
NZ's recession thus far has claimed 27k jobs over the past year. This flatters to deceive, because hours have shrunk so much. Check out Chief Economist Shamubeel Eaqub's latest download from the August job numbers that have just come out.
Published 01/08/2025
More Kiwis are doing it tough. In the year to June 2025, over 53,000 people made KiwiSaver hardship withdrawals - up from around 18,000 five years ago.
Published 21/07/2025
The cost of living's climbing again, but not for the same reasons. Shamubeel unpacks what’s driving the latest inflation, why it feels different, and what it means for your money.
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