InvestNow KiwiSaver Scheme Getting Started Guide
With so many great investment options to choose from, building your InvestNow KiwiSaver Scheme portfolio can be a little daunting… So we’ve put together a little guide as a place to start. If in doubt, contact a financial advisor.
Step One: Find out what type of investor you are
Within the investment industry, there are 5 types of investors. What type of investor you are will ultimately depend on your appetite for risk.
If you need help finding out what type of investor you are, use the Sorted Investor Kickstarter questionnaire. On completion of the questionnaire, you’ll receive a chart that will show what mix of investment asset classes is right for your investor type. Alternatively, click on each investor type below to reveal a description of the investor type and the matching asset allocation chart. The 5 investor types are listed below in order of those who prefer low-risk to those who are comfortable with high-risk:
Step Two: Choose your investments accordingly – Asset allocation
What you invest in is a personal choice. You may choose to structure your portfolio using the standard investor type asset allocations mentioned above, or you may choose to do something completely different. If you did want to use the Sorted Investor Kickstarter results as a guide, below is an example of how to match your results to the investment options available in the InvestNow KiwiSaver Scheme.
Applying the Sorted asset allocation – ‘Aggressive investor’ example:
An aggressive investor could allocate 4% of their investment portfolio to managed funds in the Cash and Cash Equivalent InvestNow fund category.
An aggressive investor could allocate 10% of their investment portfolio to managed funds in the Listed Property InvestNow Fund Category.
Things to consider…
- Regular reviews of your portfolio to make sure your assets are right for your circumstances are helpful
- You can find information on specific funds InvestNow offer by going to our ‘InvestNow KiwiSaver Scheme range of funds page’, which includes Product Disclosure Statements (PDS’s) for each individual fund
- We also have a range of Conservative, Balanced and Growth funds to choose from that align to certain risk profiles above. We refer to these as our easy-select Diversified funds
Joining the InvestNow KiwiSaver Scheme
InvestNow does not offer personalised investment advice, we just focus on giving our customers the freedom to choose their investments combined with the convenience of an online solution. If you have any questions about InvestNow or need assistance in the account and transaction process, please contact us and we will be happy to help.
Implemented Investment Solutions Ltd is the issuer of the InvestNow KiwiSaver Scheme. For a Product Disclosure Statement please visit https://investnow.co.nz/kiwisaver/