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This page describes five investor profiles and the matching ASB KiwiSaver Scheme Investment Funds.

An investor profile describes a general description of an investor's attitude towards the balance of risk and potential investment returns. Pick the profile that best describes you and then view the suggested Investment Fund that matches the profile.

Investor profile	Matching ASB KiwiSaver Scheme Investment Fund
Defensive investor You are a cautious investor and seek stable or consistent returns. You accept that over time your investment may not grow as fast as inflation. Your risk profile Lowest risk/return.	NZ Bank Deposit Fund Objective To provide investors with low risk returns consistent with short term wholesale New Zealand bank deposits. Income and growth asset mix Invests in short-term cash deposits and securities. Time frame Short to medium-term.
Conservative investor You seek some growth but wish to remain cautious. You are willing to accept comparatively low or lower returns to achieve this objective. Returns may vary from year to year and may be negative. Your risk profile Lower risk/return.	Conservative Fund Objective To provide investors with conservative returns over the medium to long-term, using an index tracking investment style. Income and growth asset mix As the default investment fund, this fund is required to invest between 15% and 25% of the fund in "growth" assets - currently made up of Australasian and World Shares. Time frame Medium to long-term.
Moderate investor You seek moderate returns from your investment and are prepared to accept some fluctuations in the value of your investment to achieve this. Returns may vary from year to year and may be negative. Your risk profile Medium risk/return.	Moderate Fund Objective To provide investors with moderate capital growth over the medium to long-term, using an index tracking investment style. Income and growth asset mix Invests in a relatively high proportion of income assets and a lower proportion of growth assets. Time frame Medium to long-term.
Balanced investor You seek medium to high returns from your investment and are prepared to accept volatility in the value of your investment to achieve this. Returns may vary from year to year and may be negative. Your risk profile Medium to high risk/return.	Balanced Fund Objective To provide investors with long-term capital growth, using an index tracking investment style. Income and growth asset mix Invests in a relatively high proportion of growth assets and a lower proportion of income assets. Time frame Long-term.
Growth investor You seek high returns from your investment over the long term and are prepared to accept significant fluctuations in the value of your investment to achieve this. Returns may vary from year to year and may be negative. Your risk profile High risk/return.	Growth Fund Objective To provide investors with higher long-term capital growth, using an index tracking investment style. Income and growth asset mix Invests in a high proportion of growth assets and a lower proportion of income assets. Time frame Long-term.

Investor profile

Matching ASB KiwiSaver Scheme Investment Fund

Defensive investor
You are a cautious investor and seek stable or consistent returns. You accept that over time your investment may not grow as fast as inflation.

Your risk profile
Lowest risk/return.

NZ Bank Deposit Fund

Objective
To provide investors with low risk returns consistent with short term wholesale New Zealand bank deposits.

Income and growth asset mix
Invests in short-term cash deposits and securities.

Time frame
Short to medium-term.

Conservative investor
You seek some growth but wish to remain cautious. You are willing to accept comparatively low or lower returns to achieve this objective. Returns may vary from year to year and may be negative.

Your risk profile
Lower risk/return.

Conservative Fund

Objective
To provide investors with conservative returns over the medium to long-term, using an index tracking investment style.

Income and growth asset mix
As the default investment fund, this fund is required to invest between 15% and 25% of the fund in "growth" assets - currently made up of Australasian and World Shares.

Time frame
Medium to long-term.

Moderate investor
You seek moderate returns from your investment and are prepared to accept some fluctuations in the value of your investment to achieve this. Returns may vary from year to year and may be negative.

Your risk profile
Medium risk/return.

Moderate Fund

Objective
To provide investors with moderate capital growth over the medium to long-term, using an index tracking investment style.

Income and growth asset mix
Invests in a relatively high proportion of income assets and a lower proportion of growth assets.

Time frame
Medium to long-term.

Balanced investor
You seek medium to high returns from your investment and are prepared to accept volatility in the value of your investment to achieve this. Returns may vary from year to year and may be negative.

Your risk profile
Medium to high risk/return.

Balanced Fund

Objective
To provide investors with long-term capital growth, using an index tracking investment style.

Income and growth asset mix
Invests in a relatively high proportion of growth assets and a lower proportion of income assets.

Time frame
Long-term.

Growth investor
You seek high returns from your investment over the long term and are prepared to accept significant fluctuations in the value of your investment to achieve this. Returns may vary from year to year and may be negative.

Your risk profile
High risk/return.

Growth Fund

Objective
To provide investors with higher long-term capital growth, using an index tracking investment style.

Income and growth asset mix
Invests in a high proportion of growth assets and a lower proportion of income assets.

Time frame
Long-term.

The information on this page is not personalised advice and should not be your only source of information and advice when you are making your investment decisions. It should be treated as a guide only. For personalised advice you should contact an authorised financial adviser or your ASB Wealth Manager, from whom copies of his or her disclosure statements are available on request free of charge.

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ASB Group Investments: KiwiSaver

Investor profiles

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