Guide to YouWealth managed funds

Use our guide to discover which of the YouWealth managed funds might suit your needs right now.

Choosing the right fund for you

Risks and returns

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.

Investment mix

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. 

Investment goal and timeframe

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.

YouWealth fund options

There are five YouWealth managed funds to choose from. Our descriptions of risk and returns generally compare one fund with other YouWealth managed funds.

Highest risk

High Growth Fund

Aims to achieve the highest returns of the Funds over the long term.

Suggested investment timeframe
12 years minimum

Potential returns

  • Highest potential returns
  • This fund may experience a negative annual return every 4 years^

Management fee
0.45% p.a.

Target investment mix
100% growth assets^

Higher risk

Growth Fund

Aims to achieve higher returns over the long term.

Suggested investment timeframe
10 years minimum

Potential returns

  • Higher potential returns
  • This fund may experience a negative annual return every 4 years^

Management fee
0.45% p.a.

Target investment mix
20% income, 80% growth assets

Medium risk

Balanced Fund

Aims to achieve a medium level of return over the medium to long term.

Suggested investment timeframe
7 years minimum

Potential returns

  • Medium potential returns
  • This fund may experience a negative annual return every 5 years^

Management fee
0.45% p.a.

Target investment mix
40% income, 60% growth assets

Moderate risk

Moderate Fund

Aims to achieve moderate returns over the medium term.

Suggested investment timeframe
5 years minimum

Potential returns

  • Moderate potential returns
  • This fund may experience a negative annual return every 6 years^

Management fee
0.45% p.a.

Target investment mix
60% income, 40% growth assets

Lowest risk

Conservative Fund

Aims to achieve relatively stable returns over the short to medium term.

Suggested investment timeframe
3 years minimum

Potential returns

  • Lowest potential returns
  • This fund may experience a negative annual return every 10 years^

Management fee
0.45% p.a.

Target investment mix
80% income, 20% growth assets

Next steps

YouWealth calculator

Our calculator can help you decide how much to invest by calculating how your balance might grow over your chosen investment timeframe.

Calculate potential returns

More about YouWealth

Get more information about YouWealth managed funds, including how to manage your account, the investment mixes, and recent returns.

Read more about YouWealth