Choose the right fund for your future

Everyone has different goals and circumstances. That's why the MAS Retirement Savings Scheme offers 7 funds for you to choose from - so you can find a fund that meets your needs. Our Responsible Investment page guides what we will and won’t invest in. 

Pie Chart Global Equity Fund

Global Equities Fund

Suitable for investors who are prepared to accept a higher level of investment risk to potentially achieve a higher return.

This Fund aims to provide higher returns over the long term. It usually only invests in growth assets.

Min. suggested investment timeframe: 12 Years

Risk indicator: 5


Pie Chart Aggressive Fund

Aggressive Fund

Suitable for investors who are prepared to accept a higher level of investment risk to potentially achieve a higher return.

This Fund aims to provide higher returns over the long term. It invests around 95% in growth assets and around 5% in income assets.

Min. suggested investment timeframe: 11 Years

Risk indicator:  5


Pie Chart Growth Fund

Growth Fund

Suitable for investors who are prepared to accept a high level of investment risk to potentially achieve a high return.

Aims to provide strong returns over the long term. This Fund invests around 80% in growth assets and around 20% in income assets.

Min. suggested investment timeframe: 10 Years

Risk indicator: 5


Pie Chart Balanced Fund

Balanced Fund

Suitable for investors who are prepared to accept a medium level of investment risk to potentially achieve a medium return.

Aims to provide a medium level of return over the medium term by investing in a mix of around 60% in growth assets and 40% in income assets

Min. suggested investment timeframe: 7 Years 

Risk indicator: 4


Pie Chart Moderate Fund

Moderate Fund

Suitable for investors who are prepared to accept some investment risk to potentially achieve a moderate return.

While investing around 60% in income assets and around 40% in growth assets this Fund aims to provide moderate returns over the short to medium term.

Min. suggested investment timeframe: 5 Years

Risk indicator: 4


Pie Chart Conservative Fund

Conservative Fund

Suitable for investors who want to take a more cautious approach and accept a smaller amount of investment risk to potentially achieve a more stable return.

The Fund aims to preserve capital while providing a steady return over the short to medium term by investing around 80% in income assets and around 20% in growth assets.

Min. suggested investment timeframe: 3 Years

Risk indicator: 4


Pie Chart Cash Fund

Cash Fund

Suitable for investors who require an investment with very low volatility.

The Fund aims to achieve stable returns over the short term by investing in a range of cash and cash equivalent investments. 

Min. suggested investment timeframe: No min.

Risk indicator: 1


Retirement Savings Fund Performance

Fund

1 mth

3 mths

1 yr

3 yrs (p.a.)

5 yrs (p.a.)

10 yrs (p.a.)

Unit Price
(6/12/2024)

Global Equities

3.77% 6.50% 24.29% 5.54% 8.89% 9.52% 3.1968

Aggressive

3.47% 5.92% 22.51% 4.97% 7.93% 8.67% 2.9053

Growth

3.19% 5.36% 20.79% 4.46% 7.13% 8.07% 2.6982

Balanced

2.62% 4.21% 17.35% 3.52% 5.60% 6.46% 2.2548

Moderate

2.08% 3.10% 14.00% 2.52% 4.06% 5.17% 1.9362

Conservative

1.49% 1.99% 10.65% 1.59% 2.60% 3.72% 1.6344

Cash

0.44% 1.39% 5.84% 4.09% 2.81% 2.70% 1.3848

MAS KiwiSaver Scheme fund performance* as at 30 November 2024 after fees and before tax.


*Medical Funds Management Limited, JBWere (NZ) Pty Ltd and Nikko Asset Management New Zealand Limited, their parent companies and associated entities do not guarantee the return of capital or the performance of investment funds. Returns indicated may bear no relation to future performance. The value of investments will fluctuate as the values of underlying assets rise or fall.

Medical Funds Management Limited is the manager and issuer of investments in the MAS Retirement Savings Scheme. A copy of the Product Disclosure Statement (PDS) for the Scheme is available here. 

You can access the latest Investment Information which provide a detailed overview of performance, fees, asset mix and key holdings for each fund. If you would like to talk to a MAS Adviser, phone 0800 800 627 or email info@mas.co.nz