With the MAS Retirement Savings Plan, there are seven funds to choose from. To find out more or to talk to an adviser, call us on 0800 800 627.

Our risk profiler can help you work out the appropriate investment option for you and your situation.

Fund

Minimum suggested timeframe

Risk category

Investment objectives and strategy

Cash Fund 1 year + 1 The fund has an objective of preserving capital by investing in a range of cash investments. It is more suited to investors who require an investment with very low volatility.
Conservative Fund 3 years + 3 The fund aims to preserve capital while providing a steady return. It invests around 80% in Income assets (such as cash and New zealand and international fixed interests), with an exposure to around 20% in Growth assets (such as Australasian and internation equities), in order to enhance returns. It is likely to be more suited to investors with a strong emphasis on the security of their savings over time and wish to have a high degree of stability in their return.
Moderate Fund 4 years + 3 The fund aims to provide stable returns. It invests around 65% in Income asstes (such as cash and New Zealand and international fixed interest) and around 35% in Growth assets (such as Australasian and international equities), to provide the opportunity for some capital growth over time. It may be more suited to investors wanting a strong emphasis on the security of their savings over time but who also want a degree of capital growth.
Balanced Fund 5 years + 4 The fund aims to provide capital growth. It invests in a mix of around 45% in Income assets (such as cash and New Zealand and international fixed interest), and around 55% in Growth assets (such as Australasian and international equities). It is suited to investors willing to accept moderate volatility and who are looking for long term growth.
Growth Fund 7 years + 4 The fund aims to provide strong capital growth over the long term. It invests around 75% in Growth assets (such as Australasian and international equities), and around 25% in Income assets (such as New Zealand and international fixed interest) to help provide an element of stability. It is likely to achieve high returns over the longer term because of its focus on growth assets. As the value of growth assets can fluctuate markedly over shorter periods of time, it may be more suited to investors who accept a higher level of volatility.
Aggressive Fund 10 years + 5 The fund aims to provide a very high growth over the long term. It invests around 85% in Growth assets (such as Australasian and international equities), and around 15% in Income assets (such as New Zealand and international fixed interest). It may be more suited to investors who accept its higher risk profile and greater volatility.
Global Equities Fund 10 years + 5 The fund aims to provide very high growth over the long term. It invests around 100% in Growth assets (such as Australasian and international equities). It may be more suited to investors who accept its higher risk profile and greater volatility.
KiwiSaver Long Term Risk and Return

RSP Long Term Risk/Return

The Trustees of the Medical Assurance Society KiwiSaver/Retirement Savings Plans (the Plans) are the issuer and manager of the Plans. Copies of the Product Disclosure Statements (PDS) are available here and here. If you would like to receive a hard copy of the PDS, or for personal, tailored advice, you can talk to a MAS adviser by phoning 0800 800 627 or emailing info@mas.co.nz