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Pathfinder KiwiSaver Performance - September 2021

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Using the most recent returns from September 2021, we will examine Pathfinder's recent KiwiSaver Performance.

Pathfinder is an investment company that follows the UN sustainable development goals. The goals include ethical investing, raising climate change awareness, and avoiding investing in companies with unethical companies. Pathfinder also excludes investments in companies that they view as doing substantial and irreparable harm to society or the environment. In addition, 20% of the management fee paid to Pathfinder goes to one of their charity partners that KiwiSaver investors can choose.

Throughout September, the market and the 1-month returns from Pathfinders KiwiSaver funds had below-average returns. These lower returns could be due to Auckland still being in lockdown, the market calming down after last year's significant returns or other external factors. However, investors in KiwiSaver shouldn’t worry as the market tends to fluctuate, and the rest of the year may bring better returns.

Table of Contents

News about Pathfinder
Performance of Pathfinder KiwiSaver Funds
Pathfinder Conservative Fund
Pathfinder Balanced Fund
Pathfinder Growth Fund

 

News about Pathfinder

Pathfinder says it has been joined by parent company investment firm Alvarium and Positive Capital to build $200 million of new public housing through a shared equity programme. By working alongside and supporting the Positive Capitals, Pathfinder is making a significant investment in public housing, with the shared goal of providing more affordable homes to those most in need, while delivering both market and social returns to investors. 

Click here to find out more

Performance of Pathfinder KiwiSaver Funds

 

 

1 month

6 months

1 year

Since inception

Conservative    

-0.1%

2.5%

5.7%

5.6%

Balanced    

1.6%

6.6%

16.9%

12.0%

Growth    

2.3%

8.9%

23.8%

18.7%

 Sourced from Pathfinder fund performance report

* These returns are to 30 September 2021 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 Monthly Performance updates published on 29th October 2021.

 

Pathfinder Conservative Fund

The Fund is an ethical portfolio with higher exposure to income assets and lower 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, making it ideal for investors with a short term investment or low volatility capacity. 

The Conservative Fund has had a 1-year return of 1.7%. This is slightly above the since inception return of 1.6%, even with the 1-month return being -0.1%. The fund’s performing as expected and is a good investment choice for conservative ethical KiwiSaver investors.

*The following is Sourced from Pathfinder Conservative fund update

Returns

Pathfinder KiwiSaver Conservative Fund Returns

Fees

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

Pathfinder KiwiSaver Conservative Fund Fees

Investment mix

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

Pathfinder KiwiSaver Conservative Fund Investment Mix

Top 10 investments

This table shows Pathfinder’s top 10 investments in the Conservative KiwiSaver fund, which make up 61.95% of the fund.

Pathfinder KiwiSaver Conservative Fund Top Ten Investments

 

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 fluctuate more than the Pathfinder KiwiSaver Conservative Fund but less than the Pathfinder KiwiSaver Growth Fund. This fund is a great choice for investors with a long investment horizon and low volatility capacity or vice versa. The fund has had a 1-year return of 16.9%, which is significantly higher than the since inception returns of 12.0%. The high return displays the fund is an excellent investment for KiwiSaver investors because the fund performance exceeds expectations.

*The following is Sourced from Pathfinder Balanced fund update

Returns

Pathfinder KiwiSaver Balanced Fund Returns

Fees

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

Pathfinder KiwiSaver Balanced Fund Fees

Investment mix

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

Pathfinder KiwiSaver Balanced Fund Investment Mix

Top 10 investments

This table shows Pathfinder’s top 10 investments in the Balanced KiwiSaver fund, which make up 35.95% of the fund.

Pathfinder KiwiSaver Balanced Fund Top Ten Investments

 

Pathfinder Growth Fund

The Fund is a portfolio with higher exposure to growth assets. This Fund’s value is likely to fluctuate more than the Pathfinder KiwiSaver Balanced Fund or Pathfinder KiwiSaver Conservative Fund, making the fund ideal for ethical investors with a long term investment or high volatility capacity. The fund has a since inception return of 18.7%, and the current 1-year return of 23.8% was considerably higher than the since inception returns. The returns over 5% larger than expected indicate a positive performance, making it a fantastic KiwiSaver choice for investors.

*The following is Sourced from Pathfinder Growth fund update

Returns

Pathfinder KiwiSaver Growth Fund Returns

Fees

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

Pathfinder KiwiSaver Growth Fund Fees

Investment mix

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

Pathfinder KiwiSaver Growth Fund Investment Mix

Top 10 investments

This table shows Pathfinder’s top 10 investments in the Growth KiwiSaver fund, which make up 22.95% of the fund.

Pathfinder KiwiSaver Growth Fund Top Ten Investments

 

Pathfinder KiwiSaver funds have been sourced from Pathfinder KiwiSaver. 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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