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Have a go at making a plan

See what an investment plan that’s as unique as you are could look like. Then, if you’re keen, use it to join the Sharesies KiwiSaver Scheme straight away—or save it for later.

    • Agriculture and fisheries
    • Banking and finance
    • Bonds and fixed income
    • Energy and utilities
    • Food and drink
    • Healthcare
    • Index funds
    • Infrastructure
    • Manufacturing
    • Media
    • Mining, oil and gas
    • Property
    • Responsible
    • Retail
    • Strategic funds
    • Technology
    • Tourism
    • Transport

Let’s make an investment plan

Your investment plan tells us how you’d like your KiwiSaver balance and ongoing contributions invested. It’s made up of a base fund, and any picks you might choose to add.

First, choose a base fund

Then, select your picks

If you like, add your own picks from nearly 100 NZX-listed companies and exchange-traded funds (ETFs) to your investment plan.

About the investment plan builder

The investment plan builder is designed to help you understand how the Sharesies KiwiSaver Scheme works and lets you explore the base funds and self-select investments you can choose from.

By making your own investment plan, you can get an indication of the fees you may be charged as well as the overall risk profile of your selections. You then have the option to join the scheme straight away, or save your plan for later.

Fee estimates provided by the investment plan builder are just a guide, and may not reflect the actual fees you’re charged.

How the risk indicator works

The risk indicator can help you assess how the investments you’ve chosen affect the overall volatility and risk of your investment plan.

You’ll be given a risk rating from 1 (low) to 7 (high) that reflects how much the value of your KiwiSaver portfolio’s assets might go up and down over time.

A higher rating generally means higher potential returns over time, but with more ups and downs along the way. A lower rating generally means lower potential returns over time, but with less extreme ups and downs.

Keep in mind that even the lowest rating doesn’t mean an investment plan is risk-free, and there are other risks that aren’t captured by this rating.

We use an industry-standard formula known as portfolio variance to calculate the historical volatility of your investment plan, weighted to accommodate the percentage you’ve allocated to each investment.

Some things to keep in mind about the rating:

  • it’s not a guarantee of your KiwiSaver portfolio’s future performance

  • it’s calculated using historical returns data

  • it might shift from time to time.

We’ll continue to update the risk indicator over time—we’ll let you know if the way we calculate the rating changes.

Different levels of risk will suit different people depending on goals, risk appetite, and circumstances. There’s no right level—just what’s right for you!

To help you figure out your own attitude to risk, seek financial advice or work out your risk profile at Sorted.

Now for the legal bit

Investing involves risk. You aren’t guaranteed to make money, and you might lose the money you start with. We don’t provide personalised advice or recommendations. Any information we provide is general only and current at the time written. You should consider seeking independent legal, financial, taxation or other advice when considering whether an investment is appropriate for your objectives, financial situation or needs.
Sharesies Investment Management Limited is the issuer of the Sharesies KiwiSaver Scheme. The product disclosure statement (PDS) for the Sharesies KiwiSaver Scheme has been lodged, and may be viewed on the Disclose Register or on our documents page.