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Pathfinder KiwiSaver Performance - December 2021

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Using the most recent returns from 31 December 2021, we will examine Pathfinder’s recent KiwiSaver Performance.

Pathfinder focuses on investing in areas like renewable energy, energy efficiency, and fair access to safe water to contribute to the United Nations Sustainability Goals. They rate potential investments on how well they score in categories such as labour standards, community impact, ecological footprint, shareholder rights, and anti-corruption.

Overall, the annual returns of Pathfinder’s KiwiSaver Funds had been relatively lower compared to the since inception returns. This might be caused by the new Covid-19 variant outbreak and the vaccine mandate in New Zealand. However, it is important for investors to note that past performance is not indicative of future performance.

Table of Contents

News about Pathfinder

Performance of Pathfinder KiwiSaver Funds

Pathfinder Conservative Fund

Pathfinder Balanced Fund

Pathfinder Growth Fund

 

News about Pathfinder

Pathfinder’s KiwiSaver Plan is carbon neutral, does not invest in fossil fuel companies, and has a core theme of renewable energy. They strive to be carbon-neutral as they believe that ethical investing can generate good financial returns. Moreover, they were also awarded the Best Ethical KiwiSaver Fund by Mindful Money in 2021.

 

Performance of Pathfinder KiwiSaver Funds

 

 

1 month

6 months

1 year

Since Inception

Conservative

-0.8%

-1.5%

2.6%

4.4%

Balanced

-1.9%

-3.1%

5.9%

8.8%

Growth

-2.7%

-4.3%

8.2%

13.7%

 

 Sourced from Pathfinder fund performance report
* These returns are to 28 February 2022 and are before tax and after fund management fees. Past performance is not necessarily an indicator of future performance, and return periods may differ.
Note: The following information is sourced from Pathfinder Quarterly Fund updates published on 14th February 2022.



Pathfinder Conservative Fund

The Fund is an ethical portfolio with more exposure to income assets and less exposure to growth assets. This fund’s value is unlikely to fluctuate as much as the Pathfinder KiwiSaver Balanced Fund or Pathfinder KiwiSaver Growth Fund. The Conservative Fund has had a 1-year return of 2.6%, which is lower than the since inception return of 4.4%. The lower returns could due to increasing market volatility as a result of Covid-19.

*The following is Sourced from Pathfinder Conservative Fund Update

Returns

Return - Pathfinder Conservative Fund Dec 2021

Fees

The total annual fees for investors in the Pathfinder Conservative Fund are 0.84% per year, with no performance or individual action fees.

Fees - Pathfinder Conservative Fund Dec 2021

Investment mix

The investment mix shows the type of assets that the fund invests into.

Investment Mix - Pathfinder Conservative Fund Dec 2021

Top ten investments

This table shows Pathfinder’s top 10 investments in the Conservative KiwiSaver Fund, which make up 57.67% of the fund.

Top 10 Investment - Pathfinder Conservative Fund Dec 2021

 

 

 

Pathfinder Balanced Fund

The Fund is an ethical portfolio with a balanced exposure to growth assets and income assets. This fund’s value is likely to be more volatile than the Pathfinder KiwiSaver Conservative Fund and less volatile than the Pathfinder KiwiSaver Growth Fund. The return of since inception is significantly higher than the current 1-year return of this fund (8.8% and 5.9% respectively). 

*The following is Sourced from Pathfinder Balanced Fund Update

Returns

Return - Pathfinder Balanced Fund Dec 2021

Fees

The total annual fees for investors in the Pathfinder Balanced Fund are 1.14% per year, with no performance or individual action fees.

Fees - Pathfinder Balanced Fund Dec 2021

Investment mix

The investment mix shows the type of assets that the fund invests into.

Investment Mix - Pathfinder Balanced Fund Dec 2021

Top ten investments

This table shows Pathfinder’s top 10 investments in the Balanced KiwiSaver Fund, which make up 35.12% of the fund.

Top 10 Investment - Pathfinder Balanced Fund Dec 2021

 

 

Pathfinder Growth Fund

The Fund is an ethical portfolio with a higher exposure to growth assets and lower exposure to income assets. This fund’s value is likely to fluctuate more than the Pathfinder KiwiSaver Balanced Fund or Pathfinder KiwiSaver Conservative Fund. Like the Pathfinder Conservative and Balanced funds, Pathfinder Growth Fund also shows a lower 1-year return compared to the since inception return (8.2% and 13.7% respectively).

*The following is Sourced from Pathfinder Growth Fund Update

Returns

Return - Pathfinder Growth Fund Dec 2021

Fees

The total annual fees for investors in the Pathfinder Growth Fund are 1.29% per year, with no performance or individual action fees.

Fees - Pathfinder Growth Fund Dec 2021

Investment mix

The investment mix shows the type of assets that the fund invests into.

Investment Mix - Pathfinder Growth Fund Dec 2021

Top ten investments

This table shows Pathfinder’s top 10 investments in the Growth KiwiSaver Fund, which make up 19.55% of the fund.

Top 10 Investment - Pathfinder Growth Fund Dec 2021



Data for Pathfinder KiwiSaver funds has been sourced from Pathfinder KiwiSaver Funds. Past performance is not necessarily an indicator of future performance, and return periods may differ.

To see if Pathfinder has the appropriate fund that aligns with your values, retirement goals and situation, complete National Capital’s KiwiSaver Healthcheck.

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