We recommend the Conservative Fund for people wanting to withdraw their savings within 5 years. This fund aims to preserve capital with modest capital growth over the shorter term. You will likely see smaller ups and downs in your balance than any other fund in the Pie KiwiSaver Scheme, but your returns won’t usually be as high. This may give you more certainty over how much of your KiwiSaver savings you can use for your first home. We recommend that you review your fund if your plans to buy a first home change.

We recommend the Conservative Fund for people wanting to withdraw their savings within 5 years. This fund aims to preserve capital with modest capital growth over the shorter term. You will likely see smaller ups and downs in your balance than any other fund in the Pie KiwiSaver Scheme, but your returns won’t usually be as high. This may give you more certainty over how much money you’ll have when you retire. We recommend that you review your fund each year to make sure it is still appropriate for you.

We recommend the Conservative Fund for people wanting to withdraw their savings within 5 years. This fund aims to preserve capital with modest capital growth over the shorter term. You will likely see smaller ups and downs in your balance than any other fund in the Pie KiwiSaver Scheme, but your returns won’t usually be as high. This may give you more certainty over how much money you’ll have for your retirement. We recommend that you review your fund each year to make sure it is still appropriate for you.

We recommend the Balanced Fund for people wanting to withdraw their savings in 5 to 7 years. This fund aims to provide steady capital growth over the medium term. You will likely see bigger ups and downs in your balance than the Conservative Fund, but it has the potential to steadily grow your balance while you continue saving for your first home. As you get closer to withdrawing your savings to buy a home, you may want to move to a lower risk fund to reduce the amount of potential ups and downs in your balance so you have more certainty about how much money you can use towards your home. We recommend that you review your fund each year or if your plans to buy a first home change.

We recommend the Balanced Fund for people wanting to withdraw their savings in 5 to 7 years. This fund aims to provide steady capital growth over the medium term. You will likely see bigger ups and downs in your balance than the Conservative Fund, but it has the potential to steadily grow your balance while you continue saving for your retirement. As you get closer to withdrawing your savings, you may want to move to a lower risk fund to reduce the amount of potential ups and downs in your balance so you have more certainty about how much money you’ll have when you retire. We recommend that you review your fund each year to make sure it is still appropriate for you.

We recommend the Balanced Fund for people wanting to withdraw their savings in 5 to 7 years. This fund aims to provide steady capital growth over the medium term. You will likely see bigger ups and downs in your balance than the Conservative Fund, but it has the potential to steadily grow your balance over your retirement. As you get closer to withdrawing your savings, you may want to move to a lower risk fund to reduce the amount of potential ups and downs in your balance so you have more certainty about how much money you’ll have. We recommend that you review your fund each year to make sure it is still appropriate for you.

We recommend the Growth Fund for people wanting to withdraw their savings in 7 to 10 years. This fund aims to maximise capital growth over the longer term. You will likely see bigger ups and downs in your balance than the Balanced Fund or the Conservative Fund, but it has the potential to provide higher returns over the longer term, which means your balance can grow while you continue saving for your first home. As you get closer to withdrawing your savings to buy a home, you may want to move to a lower risk fund to reduce the amount of potential ups and downs in your balance so you have more certainty about how much money you can use towards your home. We recommend that you review your fund each year or if your plans to buy a first home change.

We recommend the Growth Fund for people wanting to withdraw their savings in 7 to 10 years. This fund aims to maximise capital growth over the longer term. You will likely see bigger ups and downs in your balance than the Balanced or Conservative funds, but it has the potential to provide higher returns over the longer term, which means your balance can grow while you continue saving. As you get closer to withdrawing your KiwiSaver savings, you may want to move to a lower risk fund to reduce the amount of potential ups and downs in your balance so you have more certainty about how much money you’ll have when you retire. We recommend that you review your fund each year to make sure it is still appropriate for you.

We recommend the Growth Fund for people wanting to withdraw their savings in 7 to 10 years. This fund aims to maximise capital growth over the longer term. You will likely see bigger ups and downs in your balance than the Balanced Fund or the Conservative Fund, but it has the potential to provide higher returns over the longer term, which means your balance can grow over your retirement. As you get closer to withdrawing your savings, you may want to move to a lower risk fund to reduce the amount of potential ups and downs in your balance so you have more certainty about how much money you’ll have. We recommend that you review your fund each year to make sure it is still appropriate for you.

We recommend the Aggressive Fund for people with 10 years or more before they want to withdraw their savings. This fund aims to maximise capital growth over the longer term. You will likely see bigger ups and downs in your balance than any other fund in the Pie KiwiSaver Scheme, but it has the potential to provide higher returns over the longer term, which means your balance can grow while you continue saving for your first home. As you get closer to withdrawing your savings to buy a home, you may want to move to a lower risk fund to reduce the amount of potential ups and downs in your balance so you have more certainty about how much money you can use towards your home. We recommend that you review your fund each year or if your plans to buy a first home change.

We recommend the Aggressive Fund for people with 10 years or more before they want to withdraw their savings. This fund aims to maximise capital growth over the longer term. You will likely see bigger ups and downs in your balance than any other fund in the Pie KiwiSaver Scheme, but it has the potential to provide higher returns over the longer term, which means your balance can grow while you continue saving. We recommend that you review your fund each year to make sure it is still appropriate for you.

We recommend the Aggressive Fund for people with 10 years or more before they want to withdraw their savings. This fund aims to maximise capital growth over the longer term. You will likely see bigger ups and downs in your balance than any other fund in the Pie KiwiSaver Scheme, but it has the potential to provide higher returns over the longer term, which means your balance can grow while you continue saving. As you get closer to withdrawing your savings, you may want to move to a lower risk fund to reduce the amount of potential ups and downs in your balance so you have more certainty about how much money you’ll have when you retire. We recommend that you review your fund each year to make sure it is still appropriate for you.

We recommend the Aggressive Fund for people with 10 years or more before they want to withdraw their savings. This fund aims to maximise capital growth over the longer term. You will likely see bigger ups and downs in your balance than any other fund in the Pie KiwiSaver Scheme, but it has the potential to provide higher returns over the longer term, which means your balance can grow over your retirement. As you get closer to withdrawing your savings, you may want to move to a lower risk fund to reduce the amount of potential ups and downs in your balance so you have more certainty about how much money you’ll have. We recommend that you review your fund each year to make sure it is still appropriate for you.