It is important to understand the risks associated with investing as there is a chance that you will receive less from your investments than you expect. There is a direct relationship between risk and return, meaning that there are greater risks associated with potentially higher returns and vice versa. For example, the Aggressive Fund can produce very high returns - however it comes with the very real risk that you might lose money over a shorter period of time.

MAS KiwiSaver Scheme and MAS Retirement Savings Scheme - Risk Profiler

Step 1 - Answer the questions below. This will help you decide what may be the best investment option for you.

MAS Investment Risk Profiler Questionnaire


Step 2 - Match your score to a risk profile below.

Investement Profiler - step 2.PNG


Your final choice may be different from what is recommended for you. Things to consider in making your final choice:

  • Time before you require access to your investment. The sooner you need access to it, the more conservative you should be.
  • Other investments. If you have other investments, you may be more comfortable being more or less aggressive depending on the risk profile of your other investments. 


To change your current MAS KiwiSaver Scheme fund fill out the Investment Strategy Switch form.


This questionnaire is a guide to help you determine your risk profile and the MAS investment fund that best suits your risk appetite. It provides a recommendation that is of a general nature and does not consider your specific financial situation, needs or goals. Contact your MAS adviser if you require further assistance. You can find out more about financial advice at MAS here.

To the extent permitted by law, MAS denies liability and responsibility for any direct or indirect loss that may result from any act or omission by any person in relation to, or in reliance on, the information supplied in this questionnaire. MAS accepts no responsibility for any direct or indirect loss caused through the investment mix you choose, or for the performance of your investments.

Medical Funds Management Limited is the manager and issuer of investments in the MAS KiwiSaver Scheme and the MAS Retirement Savings Scheme (the ‘Schemes’). Copies of the Product Disclosure Statements (PDS) for each Scheme are available here and here. If you would like to talk to a MAS adviser, phone 0800 800 627 or email