If you’re looking for a well-diversified approach and are prepared to stay invested over time, this fund may suit your investment goals.
The Balanced Fund is designed for investors who want a mix of growth and income over the long term. It spreads investments across assets like shares, private equity, smart energy, and forestry, and income assets like cash, fixed interest and mortgages. This fund aims to reduce the impact of market ups and downs compared to the Growth Fund.
3 months
1 Year (p.a.)
3 years (p.a.)
5 years (p.a.)
10 years (p.a.)
Disclaimer:
The information on this website shows the benchmark asset allocations for each Fund. The actual allocations may vary from time to time, depending on factors like market movements and changes to underlying asset values. Our objectives may also change from time to time. More information is contained in the Product Disclosure Statement.
The Balanced Fund has moderate exposures both to cash and fixed interest and equities and other growth-orientated assets. Its benchmark asset is 50% growth assets and 50% income assets.
Disclaimer: The asset mix shown above reflects the standard exposures to that asset class, to fulfill its investment objectives. Actual holdings may vary within the specified ranges at any given time.
The Balanced Fund has a risk level of 4, on a scale from 1 (low) to 7 (high). The rating reflects how much the value of the Fund’s assets goes up and down. A higher risk generally means higher potential returns over time, but more ups and downs along the way.
To help you clarify your own attitude to risk, click the button below, to try our risk calculator.
The value could move up or down but is expected to fluctuate less than the Growth fund.
Among other KiwiSaver eligibility requirements, membership is open to those who:
At Christian KiwiSaver Scheme we’re about transparency and fairness.
Total annual fund charges (% of Fund’s net asset value)
| Fund | Age 18 and over | Under age 18 |
|---|---|---|
| Growth Fund | 1.50% | 0% |
| Balanced Fund | 1.35% | 0% |
| Income Fund | 0.80% | 0% |
Here you’ll find all the key forms and documents related to the Balanced Fund, including updates, guides, and policies, to help you manage your membership and stay informed.
The Growth Fund suits investors with a long-term mindset who understand that growth comes with some volatility. It targets investments like shares and also private equity, smart energy, and forestry that can increase in value over time, though their prices may move up and down in the short term.
If you’re willing to stay invested and look beyond short-term changes, the Growth Fund offers the potential for medium to high returns over a long term investment time frame.
The Income Fund is designed for members who prefer low risk and feel uneasy investing in growth assets like shares, or who are nearing retirement and may not have time to withstand market fluctuations. It offers a more cautious approach, prioritising capital preservation while still aiming for modest returns.
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