We’re here to help find the best KiwiSaver fund for you. Let’s start by providing you with a comparison report of your existing fund.
It's important to check the health of your KiwiSaver fund and understand its position within the market. Submit the form below to view a simple graphic report of your fund.
About Milford Conservative Fund
Milford's Conservative Fund is aimed towards investors looking for medium returns and greater capital protection with a minimum investment period of 3 years. The investment has a lower risk that is diversified primarily with fixed interest securities and a reasonable allocation to equity.
Fund's Annual Returns vs Market Index
The chart below shows the annual returns of Milford's Conservative Fund compared to the Market Index. The average annual return of Milford's Conservative Fund is 6.64%, whereas the average annual return on the market index is 6.58%.
Milford Conservative vs Market index
Asset Allocation Detailed Breakdown
Taking a look at the asset allocation gives you an idea of what the fund invests in as well as the proportions. It is a good indicator for investors as asset allocation impacts the volatility, risk, and return of a fund.
As of September 2021, the actual asset allocation of Milford Conservative Fund was as follows: 
Fees Compared to Industry Average
|
FEES |
MILFORD CONSERVATIVE FUND |
PEER GROUP - CONSERVATIVE FUND |
|
Total Annual Fund Fees |
0.95% |
0.73% |
|
+ Membership Fee (Annual) |
$0 |
$21.53 |
Is the Milford Conservative Fund right for you?
If you're in a conservative KiwiSaver fund, you prioritise stability and lower volatility over high returns. You are potentially aiming to withdraw from your KiwiSaver in the next couple of years for either your first home or retirement. In this case, you wouldn't want to witness a sudden drop in your KiwiSaver balance when you are finally ready to use your funds.
Suppose you feel unsure about whether or not you should be in a conservative fund, by submitting a KiwiSaver HealthCheck. In that case, you’ll get personalised KiwiSaver recommendations, so you don't have to make the decision alone.
About Aon Russell LifePoints Moderate Fund
Aon Russell LifePoints Moderate Fund has a goal of generating returns that are greater than inflation. The fund has a target investment mix of 60% in income assets and 40% in growth assets (Source: Aon) and is currently investing in a greater proportion of growth assets (41.16%) to income assets (58.84%). This fund suits investors who are looking to hold their investment for a period of no less than five years.
Fund's Annual Returns vs Market Index
The chart below shows the annual returns of Aon Russell LifePoints Moderate Fund compared to the Market Index. The latest annual return of Aon Russell LifePoints Moderate Fund is 7.13%, whereas the latest annual return on the market index is 8.73%.
Aon Russell LifePoints vs Market Index
Asset Allocation Detailed Breakdown
As of September 2021, the actual asset allocation of Aon Russell LifePoints Moderate Fund was as follows:
Fees Compared to Industry Average
|
FEES |
AON RUSSELL LIFEPOINTS MODERATE FUND |
PEER GROUP - MODERATE FUND |
|
Total Annual Fund Fees |
1.08% |
0.9% |
|
+ Membership Fee (annual) |
$39.96 |
$28.50 |
Is the Aon Russell LifePoints Moderate Fund right for you?
Fees are only one of the many factors to be considered when looking into a fund; therefore, don’t be deterred by Aon Russell LifePoints higher than average fees. If you’re in a moderate fund, you most likely value the stability of your investment rather than the level of returns but are willing to accept slightly more volatility than a conservative fund. You may be a few years away from withdrawing from your KiwiSaver.
If you're unsure about whether you are making the most out of your KiwiSaver, take our KiwiSaver HealthCheck below to help you feel more confident in your investment.
About Milford Balanced Fund
Milford's Balanced fund seeks to deliver capital growth for investors over an investment period of 5 or more years. The fund primarily invests in equity with a decent proportion of the allocation in fixed interest securities. It is considered a low-to-medium risk fund considering its asset allocation and diversification.
Fund's Annual Returns vs Market Index
The chart below shows the annual returns of Milford Balanced Fund compared to the Market Index. The average annual return of Milford Balanced Fund is 16.02%, whereas the average annual return on the market index is 14.72%.
Milford Balanced Fund vs Market Index
Asset Allocation Detailed Breakdown
As of September 2021, the actual asset allocation of Milford Balanced Fund was as follows:
Fees Compared to Industry
|
FEES |
MILFORD BALANCED FUND |
PEER GROUP - BALANCED FUND |
|
Total Annual Fund Fees |
1.48% |
1.16% |
|
+ Membership Fee (Annual) |
$0 |
$23.63 |
Is the Milford Balanced fund right for you?
When considering investing in a Balanced fund, it is important to ensure that the assets in the fund will give you the stability and returns you want out of your KiwiSaver. As everyone has different goals, being in a KiwiSaver fund that aligns with your individual goals could end up saving you thousands.
Is your KiwiSaver account currently being maximised?
About Milford Active Growth Fund
The Milford Active Growth Fund strives for an annual net return of 10% for their investors over a recommended investment period of no less than five years. It is classified as a medium-to-high risk fund that diversifies by investing largely in equity and a reasonable amount of asset allocation in fixed interest securities.
Fund's Annual Returns vs Market Index
The chart below shows the annual returns of Milford Active Growth Fund compared to the Market Index. The average annual return of Milford Active Growth Fund is 13.58%, whereas the average annual return on the market index is 12.20%.
Milford Active Growth vs Market Index
Asset Allocation Detailed Breakdown
As of September 2021, the actual asset allocation of Milford Active Growth Fund was as follows:
Fees Compared to Industry
|
FEES |
MILFORD ACTIVE GROWTH FUND |
PEER GROUP - BALANCED FUND |
|
Total Annual Fund Fees |
2.00% |
1.19% |
|
+ Membership Fee (Annual) |
$0 |
$28.44 |
Is the Milford Active Growth fund right for you?
If you’re in a growth fund, you’re most likely ok with seeing volatility in the value of your KiwiSaver and aren’t planning on withdrawing from it anytime soon. You're generally more interested in returns but also know that it's important not to get caught up in headline figures. Because past performance does not necessarily predict future performance, researching what your fund is actually invested in and how the fund provider chooses each asset is equally important.
National Capital is constantly reviewing and researching each of these aspects to help you choose a fund that suits you best. As well as this, National Capital wants to make sure you are informed on what you should do if your circumstances or the circumstances of your provider change.
About Fisher TWO Equity Fund
The Fisher TWO Equity Fund has delivered a strong investment performance since its inception in 2007. They aim to deliver a higher growth investment return over the long term through high investment in growth assets.
Fund's Annual Returns vs Market Index
The chart below shows the annual returns of Fisher TWO Equity Fund compared to the Market Index. The average annual return of Fisher TWO Equity Fund is 12.23%, whereas the average annual return on the market index is 14.19%.
Fisher TWO Equity vs Market Index
Asset Allocation Detailed Breakdown
As of September 2021, the actual asset allocation of Fisher TWO Equity Fund was as follows:
Fees Compared to Industry
|
FEES |
FISHER TWO EQUITY FUND |
PEER GROUP - AGGRESSIVE FUND |
|
Total Annual Fund Fees |
1.15% |
1.09% |
|
+Membership Fee (Annual) |
$23.40 |
$30.00 |
Is the Fisher TWO Equity fund right for you?
As an aggressive KiwiSaver investor, not unlike a growth investor, you probably have a high tolerance and capacity for volatility. You are able to withstand fluctuations in your KiwiSaver fund due to the fact you are investing for a longer period of time.
As with any fund, but importantly aggressive funds, the proportion of growth to income assets, where your money is invested, and who is actually managing it all greatly impact the performance of your investment in the long run. If you are feeling unsure as to which KiwiSaver fund you should be in you should consider completing a KiwiSaver Healthcheck.
The right KiwiSaver fund will make a big difference to your KiwiSaver payout.
Spending 10 minutes to complete our KiwiSaver HealthCheck form may be the most important thing you can do for your KiwiSaver account right now.
