ANZ New Zealand

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Savings & Investments

Lifetimes Option

The ANZ KiwiSaver Scheme's Lifetimes Option helps take the guesswork out of choosing the right investment fund.

It’s based on the level of risk investors are comfortable with at various stages of their lives. Generally speaking, the younger you are, the more investment risk you can afford to take. As you get closer to retirement, however, it pays to take a more conservative approach.

In the Lifetimes Option, your contributions will be invested into the fund that matches your current age. Then, as you get older, you’ll be automatically moved to lower-risk funds. For example, when you turn 46, your investment will be switched from the Balanced Growth Fund to the Balanced Fund.

 
If you’re aged… your investment will be in the…
18 – 35 Growth Fund
36 – 45 Balanced Growth Fund
46 – 55 Balanced Fund
56 – 60 Conservative Balanced Fund
61+ Conservative Fund
The information contained in this material, including the Lifetimes Option, is of a general nature only, does not constitute financial advice, and does not take into account your individual circumstances. Before making decisions about your investments, you should consider your individual circumstances and seek assistance from other resources, for example, financial planning services and websites such as sorted.org.nz, morningstar.net.nz and fundsource.co.nz.

Guardian Trust Superannuation Trustees Limited is the Issuer of the ANZ KiwiSaver Scheme. ING (NZ) Limited is the Administration and Investment Manager of the ANZ KiwiSaver Scheme and is responsible for selecting and managing the assets held by the ANZ KiwiSaver Scheme, and for the overall administration and promotion of the ANZ KiwiSaver Scheme. The ANZ KiwiSaver Scheme is distributed through ANZ, part of ANZ National Bank Limited. Units in the ANZ KiwiSaver Scheme do not represent deposits or other liabilities of ANZ National Bank Limited. Units are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, ING Group, Guardian Trust Superannuation Trustees Limited, its parent and their respective directors or any other person guarantees or secures (either partially or fully) ING (NZ) Limited and its subsidiaries or the capital value or performance of any products issued or managed by them.
Access the current ANZ KiwiSaver Scheme Investment Statement (PDF, 1.51mb) or request a copy at any ANZ branch. A copy of the Bank's General Disclosure Statement and the Bank's Disclosure Statement prepared under the Securities Markets Act 1988, are available on request from any ANZ branch, free of charge.