Use our guide to discover which of the YouWealth managed funds might suit your needs right now.
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Investing comes with a degree of risk. Generally, the higher the risk the higher the potential returns – and the lower the risk, the lower the potential returns. The more risk you take, the higher the chances of making a loss, especially in the short term.
The investment mix of growth and income assets in a fund affects its level of risk and potential returns. Growth assets (usually shares) are higher risk, and income assets (usually bonds) are lower risk.
If you’ve only got 3-5 years to reach your goal, a lower-risk fund may be a safer approach. If you have a long time until you need the money, a higher risk fund could be the right approach. The size of your investment goal may also impact the amount of risk you’re willing to take.
There are five YouWealth managed funds to choose from. Our descriptions of risk and returns generally compare one fund with other YouWealth managed funds.
Aims to achieve the highest returns of the Funds over the long term.
Suggested investment timeframe
12 years minimum
Aims to achieve higher returns over the long term.
Suggested investment timeframe
10 years minimum
Potential returns
Management fee
0.45% p.a.
Target investment mix
20% income, 80% growth assets
Aims to achieve a medium level of return over the medium to long term.
Suggested investment timeframe
7 years minimum
Potential returns
Management fee
0.45% p.a.
Target investment mix
40% income, 60% growth assets
Aims to achieve moderate returns over the medium term.
Suggested investment timeframe
5 years minimum
Potential returns
Management fee
0.45% p.a.
Target investment mix
60% income, 40% growth assets
Aims to achieve relatively stable returns over the short to medium term.
Suggested investment timeframe
3 years minimum
Potential returns
Management fee
0.45% p.a.
Target investment mix
80% income, 20% growth assets
Our calculator can help you decide how much to invest by calculating how your balance might grow over your chosen investment timeframe.
Get more information about YouWealth managed funds, including how to manage your account, the investment mixes, and recent returns.
Find out how to open a YouWealth account if you’re a BNZ customer or if you’re new to BNZ.
We recommend you review your fund choice as your circumstances change.
BNZ Investment Services Limited, a wholly owned subsidiary of Harbour Asset Management Limited, is the Issuer and Manager of YouWealth. Download a copy of the YouWealth Product Disclosure Statement (PDF 932KB).
Investments made in YouWealth are not bank deposits or other liabilities of Bank of New Zealand (BNZ) or any other member of the National Australia Bank Limited group. They are subject to investment risk, including possible delays in repayment. You could get back less than the total contributed. No person (including the New Zealand Government) guarantees (either fully or in part) the performance or returns of YouWealth Funds or the repayment of amounts contributed. National Australia Bank Limited, the ultimate owner of BNZ, is not a registered bank in New Zealand but a licensed bank in Australia and is not authorised to offer the products and services mentioned on this webpage to customers in New Zealand.
BNZ Investment Services Limited (BNZISL) uses the BNZ brand under licence from Bank of New Zealand, whose ultimate parent company is National Australia Bank Limited. No member of the FirstCape group (including BNZISL) is a member of the NAB group of companies (NAB Group). No member of the NAB Group (including Bank of New Zealand) guarantees, or supports, the performance of any member of FirstCape group’s obligations to any party.