Compare YouWealth funds
YouWealth has a choice of six funds to invest in, each offering a different level of potential return depending on the types of assets the funds are invested in, and the amount of risk you’re willing to take.
Growth assets^ will typically experience larger movements in value compared to income assets^, so they have the potential to achieve higher investment returns over the longer term, however you need to be willing to accept more risk.
Changes in February 2024: we intend to amalgamate the Balanced Growth Fund with the Balanced Fund. If this amalgamation occurs, Balanced Growth Fund unit holders will have their units in the Balanced Growth Fund redeemed and will be issued with units in the Balanced Fund. This means that all investors in the Balanced Growth Fund will move into the Balanced Fund, and the Balanced Growth Fund will close.
High Growth Fund
Minimum suggested investment timeframe
12 years
The High Growth Fund aims to achieve the highest returns of the Funds over the long term.
Target investment mix
100% growth assets^
| 33% |  |
Australasian equities |
| 67% |  |
International equities |
Growth Fund
Minimum suggested investment timeframe
10 years
The Growth Fund aims to achieve higher returns over the long term.
Target investment mix
20% income, 80% growth assets
| 1% |  |
Cash & cash equivalents |
| 5% |  |
New Zealand fixed interest |
| 14% |  |
International fixed interest |
| 27% | |
Australasian equities |
| 53% | |
International equities |
Balanced Growth Fund
Minimum suggested investment timeframe
7 years
The Balanced Growth Fund aims to achieve medium to high levels of return over the long term.
Target investment mix
35% income, 65% growth assets
| 5% | |
Cash & cash equivalents |
| 8% | |
New Zealand fixed interest |
| 22% | |
International fixed interest |
| 21% | |
Australasian equities |
| 44% | |
International equities |
Balanced Fund
Minimum suggested investment timeframe
7 years
The Balanced Fund aims to achieve a medium level of return over the medium to long term.
Target investment mix
40% income, 60% growth assets
| 5% | |
Cash & cash equivalents |
| 9% | |
New Zealand fixed interest |
| 26% | |
International fixed interest |
| 20% | |
Australasian equities |
| 40% | |
International equities |
Moderate Fund
Minimum suggested investment timeframe
5 years
The Moderate Fund aims to achieve moderate returns over the medium term.
Target investment mix
60% income, 40% growth assets
| 15% | |
Cash & cash equivalents |
| 11% | |
New Zealand fixed interest |
| 34% | |
International fixed interest |
| 13% | |
Australasian equities |
| 27% | |
International equities |
Conservative Fund^
Minimum suggested investment timeframe
3 years
The Conservative Fund aims to achieve relatively stable returns over the short to medium term.
Target investment mix
80% income, 20% growth assets
| 25% | |
Cash & cash equivalents |
| 14% | |
New Zealand fixed interest |
| 41% | |
International fixed interest |
| 7% | |
Australasian equities |
| 13% | |
International equities |