Investments

Investment choice


NZDF Savings Schemes have seven investment options to choose from. You can choose to invest in one option, or split your savings between different options.

Whether you’re an aggressive investor with an appetite for risk, prefer to play it safe or are somewhere in between, we’ve got an investment option for you. 

The seven investment options are:

Shares
Considered a ‘very high risk’ option with 100% of your savings invested in New Zealand and overseas shares.

High Growth
Considered a ‘high risk’ option with about 90% of your savings invested in growth assets such as shares, property and infrastructure. The remaining 10% is invested in defensive assets like fixed interest and cash.

Growth
Considered a ‘medium to high risk’ option with about 75% of your savings invested in growth assets such as shares, property and infrastructure. The remaining 25% is invested in defensive assets like fixed interest and cash.

Balanced
Considered a ‘medium risk’ option with about 55% of your savings invested in growth assets such as shares, property and infrastructure. The remaining 45% is invested in defensive assets like fixed interest and cash.

Moderate
Considered a ‘low to medium risk’ option with about 65% of your savings invested in defensive assets like fixed interest and cash. The remaining 35% is invested in growth assets such as shares, property and infrastructure.

Conservative
Considered a ‘low risk’ option with about 80% of your savings invested in defensive assets like fixed interest and cash. The remaining 20% is invested in growth assets such as shares, property and infrastructure.

Cash
Considered a 'very low risk' option. The risk of losing money is minimal, but the expected returns are similar to that of a savings account. This option is suitable if you need access to funds in the short term and preserving your capital is the most important factor.

You can read more about each option in the product disclosure statements, member booklets or sign in to your account.

Investment risk profiler

Find out if you're in the investment option that best aligns to your desired level of investment risk. Launch the risk profiler >

How do I change my investment options?

You can change the investment option of your existing account balance and/or your future contributions at any time, and at no cost to you.

If you want to transfer all of your money to the same new investment options (that is, your current account balance and future contributions) you need to submit a change request for both your current account balance and your future contributions.

You can also choose to have your current account balance and your future contributions invested in different options. The choice is yours!

Changing your investments is easy.

  •  Call us on 0800 333 787
  • Log in to your account

If you need further help choosing an investment option, please call NZDF’s appointed financial advisers, Milestone Direct Limited, on 0508 MILESTONE (0508 645 378), or email them at info@milestonedirect.co.nz.