KiwiSaver Fund Selector Quiz

Question 1 of 5

How old are you?

Under 35

Plenty of time for growth assets to work in your favour.

35–44

Good time horizon with room for a growth-oriented strategy.

45–54

Approaching the mid-point of your investment horizon, where the balance between growth and stability matters more.

55–64

Getting closer to retirement, so risk management becomes increasingly important.

65 or over

At or past retirement age, where capital protection is a key consideration.

Question 2 of 5

When do you expect to first need your KiwiSaver money?

Within 2 years

A home purchase or retirement is imminent.

2–5 years

Planning for a home purchase or early retirement.

5–10 years

Medium-term horizon.

10–20 years

Long-term with good runway for growth.

20+ years

Plenty of time for growth assets to recover from any dips.

Question 3 of 5

Imagine your KiwiSaver dropped 20% in a year. How would you react?

Very worried. I'd want to move to something safer immediately.

Capital preservation matters most to me.

Uncomfortable, but I'd wait and see

I can handle some volatility but it would concern me significantly.

I'd accept it as part of investing and stay the course

I understand markets go up and down over time.

I'd see it as a buying opportunity

Comfortable with volatility in exchange for higher long-term returns.

Question 4 of 5

How would you describe your experience with investing?

Very new to investing. KiwiSaver is my only investment.

Some experience. I understand the basics.

Comfortable. I have investments outside KiwiSaver too.

Experienced. I actively manage a wider investment portfolio.

Question 5 of 5

What is your primary KiwiSaver goal right now?

First home deposit

I want to withdraw and use it to buy my first home.

Approaching retirement and focused on capital protection

I need this money soon and can't afford for it to dip.

Long-term retirement savings

I'm focused on building the largest balance I can over time.

Maximise long-term growth

I want the highest possible returns and can handle short-term swings.

Please note: This tool gives a general indication of the type of fund that may suit your circumstances. It is not financial advice, and the result has not been based on a full review of your personal situation. If you'd like advice that takes everything into account, Andrew can work through that with you directly, at no cost.

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