Generate Conservative Fund

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Generate Conservative Fund

The Generate Conservative Fund aims to offer modest returns over the short term by investing primarily in income assets (80%) such as cash, term deposits, and bonds, with a small allocation to growth assets (20%) like shares and property. This allocation strategy aims to balance stability and growth potential, making it suitable for investors with a lower risk tolerance. The fund's estimated annual charge is 1.09%, plus a $36 administration fee, and it is recommended for a minimum investment period of two years.

The fund's risk indicator is categorized as low to medium, reflecting the relatively stable nature of its investments compared to more aggressive funds. The target investment mix includes 75% fixed income, 6.75% property and infrastructure, 6.75% Australasian equities, and 6.5% international equities, aiming for a balanced yet cautious approach to growth. While the Conservative Fund does not have a 10-year return history, as it was launched in May 2022, its strategy is designed to provide consistent, albeit moderate, returns over the short term.

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Fund Summary

1 Year Return 7.40%

5 Year Return Fund inception 2022

Risk Rating

Lower

Higher

Fund Fees 1.09% + $36pa

About Conservative Funds

If you plan to buy your first home soon, a conservative KiwiSaver fund is good because it keeps your money safe. It puts your savings in places like cash and bonds, so it doesn’t go up and down a lot.

Conservative Funds Returns

Fund	12 Month Returns	3 Year Returns	5 Year Returns
Generate Conservative Fund	7.40%	Fund inception 2022	Fund inception 2022
Pathfinder Conservative Fund	8.30%	2.80%	4.20%
Milford Conservative Fund	7.40%	1.90%	3.20%
NZ Funds Income Strategy Fund	9.40%	2.81%	2.64%

Please Note

Past performance is not necessarily an indicator of future performance and return periods may differ.

Returns are after fees and before taxes.

Performance numbers supplied directly from the providers rather than calculated independently by Savvy Saver.

If you choose to apply via Savvy Saver, you understand that these results are generalized advice to you and do not constitute personalized advice.

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Let's Get Started

Want to use our matching tool to find your perfect fund - just click 'Find Your Fund' below. Or if you have decided Generate Conservative Fund is for you then click 'Apply Now'.

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Frequently Asked Questions

Please read our FAQs page to find out more.

Is Savvy Saver free to use?

Savvy Saver is free for users with the exception of any users who chose a Milford KiwiSaver Scheme. For any client choosing a Milford KiwiSaver Scheme will have a $150 brokerage fee deducted from their KiwiSaver balance.

Do I need to create an account?

You can explore Savvy Saver and get personalized scheme recommendations without creating an account. However, registering allows you to save your preferences and revisit your personalized recommendations at any time.

How does Savvy Saver ensure the recommended schemes are reliable?

We partner with reputable KiwiSaver providers and continuously monitor the performance and compliance of all listed schemes to ensure they meet high standards of reliability and trust.

Can I change my investment preferences later?

Absolutely! You can update your preferences at any time through your Savvy Saver dashboard to reflect changes in your investment goals or financial situation.

What makes Savvy Saver different from other KiwiSaver comparison tools?

Unlike other tools that may require extensive research or consultations, Savvy Saver offers a streamlined online experience that quickly matches you with a suitable KiwiSaver scheme based on a tailored questionnaire, all without needing to make a phone call.

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Savvy Saver adheres to strict privacy policies and uses advanced security measures to protect all personal information you share with us.

Will I be charged any fees for signing up through Savvy Saver?

Signing up for KiwiSaver schemes through Savvy Saver incurs no additional fees with the exception of Milford KiwiSaver Schemes. For any client choosing a Milford KiwiSaver Scheme will have a $150 brokerage fee deducted from their KiwiSaver balance.

How often should I review my KiwiSaver scheme?

It’s a good idea to review your KiwiSaver scheme annually or whenever there are significant changes in your financial situation or investment goals.

What should I do if my financial situation changes?

We recommend using our matching tool to reflect any significant changes in your financial situation. This will help us adjust our recommendations to better suit your new circumstances.

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Yes, Savvy Saver is fully optimized for mobile devices, allowing you to access your account and review recommendations on the go.

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