Invest with flexibility
YouWealth is a managed fund that gives you all the advantages of investing, with the flexibility to access your money when you need.
- Suitable for people willing to take investment risk to get potentially higher returns
- Recommended investment timeframe: 5 years +
Choose between our five funds
Each fund offers a different level of risk and potential for returns depending on the mixture of assets the funds are invested in.
|
Amplify |
elevate |
stretch
|
steady |
income | |
|---|---|---|---|---|---|
|
Purpose |
Grow it | Grow it | Grow it | Look after it | Use it |
|
Objective |
This fund aims to achieve higher returns over the long term. |
This fund aims to achieve medium to high levels of return over the long term. | This fund aims to achieve a medium level of return over the medium to long term. | This fund aims to achieve moderate returns over the medium term. | This fund aims to achieve relatively stable returns over the short to medium term. |
| Fund name | Growth | Balanced Growth | Balanced | Moderate | Income |
| Investment timeframe | 10 years+ | 10 years+ | 7 years | 5 years | 3 years |
| Annual fund charge | 1.40% | 1.35% | 1.30% | 1.20% | 1.10% |
A flexible way to invest
YouWealth provides you with more options when it comes to managing and growing your wealth.
Bonus payments
Bonus payments^ are calculated and paid each month, and are based on your average daily account balance in that month. The bigger your account balance is, the more your bonus will be.
Access your money
Unlike a KiwiSaver account or term deposit, your money is not locked away for a fixed term, so you can invest and withdraw your money when you need it. Minimum withdrawal amounts apply.
Top it up
Top-up your investments whenever you like. The easiest way is to set up a regular automatic payment. Alternatively, you can make lump-sum payments when it suits you.
Advice and support
Our BNZ Authorised Financial Advisers provide free, personalised financial advice to help you work out if YouWealth is right for you.
How your money is invested
Each YouWealth fund is made up of a mixture of assets like shares, cash, and bonds, each with a different level of investment risk and potential return.
We’ve selected specialist investment managers to manage these assets and invest in assets that meet our responsible investing policy.
Tools to help you decide
What fund could suit you
Answer a few simple questions to identify which YouWealth fund could best suit you based on the amount of risk you’re willing to take and the length of time you’re planning to invest for.
Calculate potential returns
Our balance calculator can help you decide how much to invest by calculating how your balance might grow over your chosen investment time frame.
YouWealth help and support
If you need more help and would like to speak to a BNZ Authorised Financial Adviser, call 0800 275 269.