Compare YouWealth funds
YouWealth has a choice of five 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.
Growth Fund
Minimum suggested investment timeframe
10 years
The Growth Fund aims to achieve higher returns over the long term.
Target investment mix
Income assets 20% / Growth assets 80%
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
10 years
The Balanced Growth Fund aims to achieve medium to high levels of return over the long term.
Target investment mix
Income assets 35% / Growth assets 65%
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
Income assets 40% / Growth assets 60%
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
Income assets 60% / Growth assets 40%
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
Income assets 80% / Growth assets 20%
25% | Cash & cash equivalents |
|
14% | New Zealand fixed interest | |
41% | International fixed interest | |
7% | Australasian equities | |
13% | International equities |
About the mix of our investments
- The actual investment mixes may vary, depending on market movements and other factors, within allowable investment ranges.
- The fund objectives, target investment mixes, and allowable investment ranges may change from time to time without prior notice to you. The objectives, target investment mixes and allowable investment ranges are set out in the current YouWealth Statement of Investment Policy and Objectives (SIPO) pdf 241kb
Management fee
The management fee is used to pay for the management of each fund’s assets, including underlying investment costs, the Supervisor’s fee and administration costs of the funds (such as audit fees, registry services and unit pricing and accounting services).
The fee is calculated as a percentage of the net asset value of each fund, and is already deducted from your investment, so returns will be reduced. You don’t need to pay this separately and it doesn’t appear as a transaction on your account.
Fund | Management fee |
---|---|
Conservative Fund | 0.45% p.a. |
Moderate Fund | 0.45% p.a. |
Balanced Fund | 0.45% p.a. |
Balanced Growth Fund | 0.45% p.a. |
Growth Fund | 0.45% p.a. |
Unit prices
When you invest in a YouWealth fund, you’ll be issued ‘units’. Any investment into a fund will use the ‘buy price’, withdrawals from a fund will use the ‘sell price’. View the latest unit prices