The Aggressive Investor

An ‘Aggressive’ investor has a big appetite for risk and is comfortable seeing the value of their portfolio rise and fall substantially. They typically can achieve higher returns over the long term, in comparison to other investor types. They do not rely on regular income from investments to live on.

Exposure to growth and income assets will drive the performance of your investment portfolio i.e. the returns you generate, and the volatility (rise and fall of the value of your investments) you will experience.

An ‘Aggressive’ investor typically has a portfolio with 90%-100% exposure to growth assets, like shares and property, and up to 10% exposure to income assets, like cash and bonds.

It’s important to note that, while growth assets offer the greatest potential for returns, they generally come with a higher amount of risk i.e. you could potentially experience steep losses or gains.

See other investor types:  Conservative  |  Balanced  |  Growth  |  Aggressive 

The information above is sourced from Sorted as at July 2024. Past performance is not an indication of future performance. If you require individual advice, please speak to a licensed financial advisor.

Estimated range of returns:

-7.2% – 26.4%*

*According to Sorted, ‘Aggressive’ investors can reasonably expect 8.3% returns (before fees and tax) per annum, while the full range of possible returns could be from -7.2% to 26.4%.

Diversified funds we have that may suit an Aggressive investor

A diversified fund is a managed fund that is broadly invested across different assets, markets and regions. Diversified funds are designed with a pre-set mix of growth and income assets, that are aligned with different investor types and their appetite for risk – your investor type or the right mix of assets for you will depend on your investment objectives, timeframe and tolerance for risk.

In the table below, we have two diversified funds built specifically to match the growth and income asset exposure of an ‘Aggressive’ investor type profile.

Fund PDS Description Risk Category Target Growth/Income Assets Fee* QFU Fee Buy/Sell Spread 1 Month 3 Months 6 Months 1 Year 3 Years 5 Years 10 Years Management Style Available in the InvestNow KiwiSaver Scheme?
Foundation Series Nasdaq-100 Fund The Fund aims for high long-run returns by investing in an Exchange-Traded Fund (‘ETF’) that invests in shares of the largest non-financial companies listed on the Nasdaq stock exchange. The Fund’s objective is to perform broadly in line with the return of its investment benchmark before fees and tax over the long-term. The Fund’s investment benchmark is the Nasdaq-100 Notional Net Return Index®. Aggressive 100% / 0% 0.15 0.15% 0.50% / 0.50%* – – – – – – – Passive No
Mercer NZ Shares Passive Fund The fund is a passively managed New Zealand shares portfolio that is designed to track the return of the S&P/NZX 50 Index. Aggressive 100% / 0% 0.34 0.34% 0.13% / 0.13% −2.97% −8.17% −5.62% 0.17% 0.72% 3.02% – Passive Yes
AMP Balanced Managed Fund Aims to provide a well-diversified portfolio that has a balance of risk through holding growth assets and an allocation to lower-risk income assets. Balanced 59.5% / 40.5% 0.80 0.80% 0% / 0% −0.45% −3.31% 0.49% 7.68% – – – Active No
ANZ Investments OneAnswer Balanced Growth Fund The Balanced Growth Fund invests mainly in growth assets (equities, listed property and listed infrastructure), with some exposure to income assets (cash and cash equivalents and fixed interest). The fund also has a small exposure to alternative assets. Balanced 65% / 35% 0.99 1.03% 0% / 0% −0.97% −4.23% −1.24% 4.69% 3.50% 5.84% 5.77% Active No
Brandywine Global Opportunistic Fixed Income Fund The Fund invests in a diversified portfolio of international fixed income securities, derivatives and cash. The investment objective of the Fund is to earn a return before fees and taxes in excess of the Bloomberg Global Aggregate Index – New Zealand dollar Hedged over rolling five-year periods. Balanced 0% / 100% 0.76 0.77% 0.075% / 0.075% 2.05% 3.05% 2.25% 5.91% 0.11% 1.53% – Active No
Foundation Series Balanced Fund The Fund aims for mid-range long-run returns by investing in a diversified portfolio with a balance of income and growth assets. The Fund’s objective is to perform broadly in line with the return of its investment benchmark before fees and tax over the long-term. The Fund’s investment benchmark is the weighted average return (before tax, fees and other expenses) of the asset class benchmark indices, which includes both New Zealand as well as international fixed interest and equity asset classes. The long-term returns from the Foundation Series Balanced Fund are likely to be lower and more stable than those of the Foundation Series Growth Fund. Balanced 60% / 40% 0.37 0.37% 0.08% / 0.11% −1.19% −4.15% 0.26% 7.24% 6.00% – – Active Yes
Milford Aggressive Fund The Fund’s objective is to maximise capital growth after the base fund fee but before tax and before any indirect performance fee, over the minimum recommended investment timeframe of ten years. It primarily invests in international equities, with a moderate allocation to Australasian equities. Balanced 95% / 5% 1.15 1.15% 0.09%** −1.37% −7.90% −0.93% 4.64% 7.99% – – Active Yes
Octagon Australian Equities The fund aims to achieve positive long-term returns by investing mostly in Australian shares, and can invest in New Zealand listed shares, where the company has meaningful operations in Australia. These investments typically have very high levels of movement up and down in value. Balanced 95% / 5% 1.17 1.17% 0% / 0% 1.05% −6.36% −2.56% 3.37% 5.71% 11.46% 6.77% Active No
Mercer Australian Property Index Fund The fund is a passively managed portfolio that provides access to Australian listed property. It is designed to track the return of the S&P/ASX 200 A-REIT Accumulation Index fully hedged to New Zealand dollars. The fund is fully hedged to the New Zealand dollar. Balanced 100% / 0% 0.80 0.80% 0.18% / 0.18% 5.64% −5.95% −5.43% 7.17% 4.64% 8.39% 7.70% Passive No
Fisher Funds Conservative Fund The Fisher Funds Conservative Fund is a diversified portfolio that aims to provide moderate protection for your investment, while also providing a modest level of return over the short to medium term. It invests in mainly income assets (target 72.5%) with a small amount in growth assets (target 27.5%). Conservative 27.5% / 72.5% 1.36 1.36% 0% / 0% 0.17% −0.77% 1.35% 6.48% 3.77% 2.60% – Active Yes
Mercer Core Global Shares Fund The fund invests in shares listed on share markets predominately in developed economies. The portfolio uses multiple managers and is diversified by region, manager and investment approaches. Conservative 100% / 0% 1.51 1.51% 0.13% / 0.13% −2.53% −7.96% 1.02% 10.54% 14.75% 14.68% 11.86% Active No
Mercer Responsible Trans-Tasman Shares Fund The fund is a diversified portfolio of predominantly New Zealand shares across a range of industries and sectors. The portfolio may also invest in Australian shares. The fund is managed to specific ‘sustainable investment’ criteria which prohibits investments in certain companies or activities, and encourages investment in companies with strong environmental, social and governance factors and also actively engages on key thematic engagements each year. This fund has additional exclusions applied as described in our Sustainable Investment Policy and has been certified by the Responsible Investment Association of Australasia (RIAA). Conservative 100% / 0% 0.91 0.91% 0.25% / 0.25% −3.01% −9.95% −6.70% 1.85% 0.64% 4.77% 8.87% Active No
Milford Balanced Fund The Fund’s objective is to provide capital growth after management and administration charges but before tax and before the performance fee over the minimum recommended investment timeframe of five years. It is a diversified fund that primarily invests in equities, with a significant allocation to fixed interest securities. Conservative 61% / 39% 1.06 1.28% 0.11%** 0.64% −0.82% 2.80% 7.41% 6.31% 8.35% 7.66% Active Yes
Mint Australasian Property Fund This Fund typically invests in New Zealand and Australian listed property securities and has an investment objective of outperforming the S&P/NZX All Real Estate (Industry Group) Gross Index by 1% per annum, before fees, over the medium to long-term. Conservative 95% / 5% 1.05 1.05% 0% / 0% −2.60% −9.95% −11.32% −7.46% −5.65% 0.54% 3.92% Active No
Pie Growth UK & Europe Fund The Fund is designed to achieve capital growth over a period exceeding five years. Investment predominantly in listed UK & European smaller companies. It may also invest in other types of financial products such as cash and unlisted equities. Conservative 100% / 0% 1.89 1.86% 0% / 0% 3.22% −6.78% −1.62% 2.26% 1.41% 9.79% – Active No
Harbour Active Growth Fund A diversified fund designed to target a return of the Official Cash Rate plus 5% over rolling five year periods. It is designed as a standalone diversified fund, and can also be mixed with other funds to add diversity to an investor’s overall portfolio. The Fund utilises high conviction investments managed by Harbour, complemented with global managers such as T. Rowe Price, Baillie Gifford and Western Asset Management. It has a target allocation of 70% to growth assets that is actively managed to respond to market conditions. Conservative 70% / 30% 1.05 0.99% 0% / 0% −0.70% −5.56% −2.76% 3.23% 2.00% 4.11% – Active Yes
AMP Growth Managed Fund Aims to provide a well-diversified portfolio that aims to provide growth, primarily through holding growth assets diversified with a lower allocation to lower-risk income assets. Growth 80.5% / 19.5% 0.80 0.80% 0% / 0% −0.98% −5.01% −0.28% 7.82% – – – Active No
Fisher Funds Growth Fund The Fisher Funds Growth Fund is a diversified portfolio that aims to grow your investment with more focus on capital growth over the long term. It invests in mainly growth assets. Growth 81% / 19% 1.47 1.47% 0% / 0% −1.42% −6.81% −1.56% 4.94% 5.73% 6.90% – Active Yes
Foundation Series Global ESG Fund The Fund aims for high long-run returns by investing in Exchange-Traded Funds (‘ETFs’) that invests in shares of large, mid-sized and small companies listed on international stock markets. The Fund incorporates certain responsible investment considerations and is exposed to investment strategies that seek to exclude companies involved in particular business practices. The Fund’s objective is to perform broadly in line with the return of its investment benchmark before fees and tax over the long-term. The Fund’s investment benchmark is a composite index consisting of 67% FTSE USA All Cap Choice TR NZD Index and 33% FTSE Global All Cap ex USA Choice TR NZD Index. Growth 100% / 0% 0.10 0.10% 0.50% / 0.50%* -3.96% – – – – – – Passive No
Foundation Series Total World Fund The Fund aims for high long-run returns by investing in an Exchange-Traded Fund (‘ETF’) that invests in shares of large, mid-sized and small companies listed on international stock markets. The Fund’s objective is to perform broadly in line with the return of its investment benchmark before fees and tax over the long-term. The Fund’s investment benchmark is the Morningstar Global All Cap Target Market Exposure NR NZD Index. Growth 100% / 0% 0.06 0.07% 0.50% / 0.50%* −4.03% −7.96% 0.92% 11.23% – – – Passive Yes
Mercer Emerging Markets Shares Fund The fund invests in shares listed on share markets in emerging economies. The portfolio is managed using a single manager. Growth 100% / 0% 2.07 2.07% 0.25% / 0.25% −4.79% −3.30% −0.98% 5.05% 4.24% 4.92% 4.15% Active No
Mercer Macquarie Real Return Opportunities Fund The fund is a diversified fund that aims to generate a positive return above inflation and to actively respond to changing market conditions with a flexible approach to investing. Growth 0% / 100% 1.50 1.50% 0.13% / 0.14% 0.16% −1.13% 0.64% 4.65% 2.10% 3.54% 2.87% Active No
Mint Australasian Equity Fund This Fund typically invests in New Zealand and Australian listed equities and has an investment objective of outperforming the S&P/NZX50 Gross Index by 3% per annum, before fees, over the medium to long-term. Growth 95% / 5% 1.19 1.19% 0% / 0% −1.87% −7.66% −4.43% 1.54% 2.61% 2.91% 8.25% Active Yes
Octagon New Zealand Equities The fund aims to achieve positive long-term returns by investing mostly in New Zealand shares, and can invest in Australian listed shares, where the company has meaningful operations in New Zealand. These investments typically have high levels of movement up and down in value. Growth 95% / 5% 1.17 1.17% 0% / 0% −3.37% −8.53% −6.78% −2.79% −0.20% 3.80% 8.51% Active No
Risk Category

* Fees are the manager’s estimates of the total annual fund charge as outlined in the Product Disclosure Statement (PDS). Note that this figure includes GST and any performance-based fees where applicable. Transaction-based charges may also apply when you buy or sell a fund, which could include buy/sell spreads, entry/exit fees, or swing pricing adjustments. Please see the PDS for full details on the charges that can apply. Past performance is not a reliable indicator of future performance. Read each fund’s product disclosure statement for more information.

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*The default annual return rate is 8.3%, which is the estimated annual return for an ‘Aggressive’ investor type, according to Sorted.

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*‘Starting Amount ($)‘ is the current combined total dollar value of your savings and investments. *‘Estimated Annual Return Rate (%)’ is the average annual return you expect to receive. *The ‘Estimated Annual Return Rate (%)’ that you input into the calculator represent gross figures, and do not take into account the effects of any fees, taxes or inflation. You are also not guaranteed to achieve this Estimated Annual Return Rate each year nor in any one year. *The ‘Final Amount’ is not guaranteed. It is an estimated projection to help you with decisions about your fund choice, the risk associated and how much you should contribute. This Final Amount does not take into account the effects of any fees, taxes or inflation and assumes consistent contributions and a consistent annual rate of return.

The benefits of diversified funds…

  • Easy access to a diversified pool of investments that are aligned to a wide range of investor needs. This allows for a more transparent and guided investment experience, that is suitable for retail investors.

  • Investments are spread across asset classes (e.g. shares, property, bonds, and cash) based on the target growth/income asset exposure ratio, according to the fund’s name. For example, a diversified fund with ‘Aggressive’ or ‘High-Growth’ in the name will typically have 90% – 100%  exposure to growth assets and up to 10% exposure to income assets.

  • Offers other types of diversification, like sector diversification (e.g. technology, healthcare, infrastructure), regional diversification (e.g. local and international assets), currency diversification etc.

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