Aggressive, or ‘High Growth’ funds, aim for strong investment growth over the long term, with a high likelihood of ups and downs along the way. These types of funds do this by investing mostly in growth assets such as shares and property, with a minimal exposure to other more defensive assets such as bonds and cash.*
| Fund name | Asset mix | Suggested minimum timeframe | Risk Indicator | Compare | |
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| GoalsGetter Generate Focused Growth Fundas at 31 July 2025 | Details | Growth 95.0% / Income 5.0% | 8 years |
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| GoalsGetter Amova High Growth Fundas at 31 July 2025 | Details | Growth 98.0% / Income 2.0% | 9 years |
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| GoalsGetter Milford Aggressive Fundas at 31 July 2025 | Details | Growth 95.0% / Income 5.0% | 10 years |
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Growth funds aim for strong investment growth over the long term, with a greater likelihood of ups and downs along the way. These types of funds do this by investing mostly in shares, with a moderate exposure to other assets such as bonds and alternatives.
Select funds to compare side by side
| Fund name | Asset mix | Suggested minimum timeframe | Risk Indicator | Compare | |
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| GoalsGetter Harbour Active Growth Fundas at 31 July 2025 | Details | Growth 65.0% / Income 30.0% / Other 5.0% | 5 years |
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| GoalsGetter Milford Active Growth Fundas at 31 July 2025 | Details | Growth 78.0% / Income 22.0% | 7 years |
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| GoalsGetter Amova Growth Fundas at 31 July 2025 | Details | Growth 80.0% / Income 20.0% | 7 years |
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| GoalsGetter Pathfinder Ethical Growth Fundas at 31 July 2025 | Details | Growth 66.8% / Income 28.2% / Other 5.0% | 8 years |
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| GoalsGetter Salt Capital Growth Fundas at 31 July 2025 | Details | Growth 80.0% / Income 20.0% | 5 years |
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Balanced funds aim for a steady investment return over the medium to longer term without too many ups and downs. These types of funds do this by investing across a range asset classes with exposure to shares for growth complemented by exposure to bonds and alternatives to reduce volatility.
Select funds to compare side by side
| Fund name | Asset mix | Suggested minimum timeframe | Risk Indicator | Compare | |
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| GoalsGetter Generate Balanced Fundas at 31 July 2025 | Details | Growth 60.0% / Income 40.0% | 5 years |
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| GoalsGetter Harbour Sustainable Impact Fundas at 31 July 2025 | Details | Growth 55.0% / Income 27.5% / Other 17.5% | 5 years |
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| GoalsGetter Milford Balanced Fundas at 31 July 2025 | Details | Growth 61.0% / Income 39.0% | 5 years |
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| GoalsGetter Amova Balanced Fundas at 31 July 2025 | Details | Growth 62.0% / Income 38.0% | 5 years |
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Conservative funds aim for more modest investment returns which grow steadily over time, with less likelihood of ups and downs. These types of funds do this this by investing mostly in bonds and cash, but also complemented by some exposure to shares.
Select funds to compare side by side
| Fund name | Asset mix | Suggested minimum timeframe | Risk Indicator | Compare | |
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| GoalsGetter Milford Conservative Fundas at 31 July 2025 | Details | Growth 18.0% / Income 82.0% | 3 years |
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| GoalsGetter Amova Conservative Fundas at 31 July 2025 | Details | Growth 23.0% / Income 77.0% | 3 years |
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Our other funds are invested in a specific asset class, such as NZ Shares or a specific sector within that class such as property. With GoalsGetter you can hand-pick a specific fund you want to invest in, or you can choose a variety of single sector funds to diversify your portfolio.
Learn about the Amova single sector funds available with GoalsGetter here.
Select funds to compare side by side
| Fund name | Asset mix | Suggested minimum timeframe | Risk Indicator | Compare | |
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| GoalsGetter Generate Thematic Fundas at 31 July 2025 | Details | Growth 98.0% / Income 2.0% | 10 years |
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| GoalsGetter Amova ARK Disruptive Innovation Fundas at 31 July 2025 | Details | Growth 100% | 10 years |
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| GoalsGetter Amova Global Shares Fundas at 31 July 2025 | Details | Growth 100% | 9 years |
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| GoalsGetter Amova SRI Equity Fundas at 31 July 2025 | Details | Growth 100% | 9 years |
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| GoalsGetter Amova NZ Cash Fundas at 31 July 2025 | Details | Income 100% | 3 months |
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| GoalsGetter Amova NZ Corporate Bond Fundas at 31 July 2025 | Details | Income 100% | 3 years |
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Aggressive, or ‘High Growth’ funds, aim for strong investment growth over the long term, with a high likelihood of ups and downs along the way. These types of funds do this by investing mostly in growth assets such as shares and property, with a minimal exposure to other more defensive assets such as bonds and cash.
| Fund name | 1 year | 3 years | 5 years | |
|---|---|---|---|---|
| GoalsGetter Generate Focused Growth Fundas at 31 July 2025, returns before tax / after fees | Details | 11.70% | ||
| GoalsGetter Amova High Growth Fundas at 31 July 2025, returns before tax / after fees | Details | |||
| GoalsGetter Milford Aggressive Fundas at 31 July 2025, returns before tax / after fees | Details |
Growth funds aim for strong investment growth over the long term, with a greater likelihood of ups and downs along the way. These types of funds do this by investing mostly in shares, with a moderate exposure to other assets such as bonds and alternatives.
| Fund name | 1 year | 3 years | 5 years | |
|---|---|---|---|---|
| GoalsGetter Harbour Active Growth Fundas at 31 July 2025, returns before tax / after fees | Details | 6.29% | ||
| GoalsGetter Milford Active Growth Fundas at 31 July 2025, returns before tax / after fees | Details | 10.13% | ||
| GoalsGetter Amova Growth Fundas at 31 July 2025, returns before tax / after fees | Details | 10.05% | 8.49% | 6.01% |
| GoalsGetter Pathfinder Ethical Growth Fundas at 31 July 2025, returns before tax / after fees | Details | 6.78% | ||
| GoalsGetter Salt Capital Growth Fundas at 31 July 2025, returns before tax / after fees | Details | 6.88% |
Balanced funds aim for a steady investment return over the medium to longer term without too many ups and downs. These types of funds do this by investing across a range asset classes with exposure to shares for growth complemented by exposure to bonds and alternatives to reduce volatility.
| Fund name | 1 year | 3 years | 5 years | |
|---|---|---|---|---|
| GoalsGetter Generate Balanced Fundas at 31 July 2025, returns before tax / after fees | Details | 7.13% | ||
| GoalsGetter Harbour Sustainable Impact Fundas at 31 July 2025, returns before tax / after fees | Details | 4.43% | ||
| GoalsGetter Milford Balanced Fundas at 31 July 2025, returns before tax / after fees | Details | 7.92% | ||
| GoalsGetter Amova Balanced Fundas at 31 July 2025, returns before tax / after fees | Details | 9.05% | 7.04% | 4.71% |
Conservative funds aim for more modest investment returns which grow steadily over time, with less likelihood of ups and downs. These types of funds do this this by investing mostly in bonds and cash, but also complemented by some exposure to shares.
Our other funds are invested in a specific asset class, such as NZ Shares or a specific sector within that class such as property. With GoalsGetter you can hand-pick a specific fund you want to invest in, or you can choose a variety of single sector funds to diversify your portfolio.
Learn about the Nikko AM single sector funds available with GoalsGetter here.
| Fund name | 1 year | 3 years | 5 years | |
|---|---|---|---|---|
| GoalsGetter Generate Thematic Fundas at 31 July 2025, returns before tax / after fees | Details | 19.06% | ||
| GoalsGetter Amova ARK Disruptive Innovation Fundas at 31 July 2025, returns before tax / after fees | Details | 63.55% | 21.11% | |
| GoalsGetter Amova Global Shares Fundas at 31 July 2025, returns before tax / after fees | Details | 21.91% | 16.67% | 14.43% |
| GoalsGetter Amova SRI Equity Fundas at 31 July 2025, returns before tax / after fees | Details | 2.99% | 4.80% | 2.76% |
| GoalsGetter Amova NZ Cash Fundas at 31 July 2025, returns before tax / after fees | Details | 4.69% | 5.13% | 3.38% |
| GoalsGetter Amova NZ Corporate Bond Fundas at 31 July 2025, returns before tax / after fees | Details | 5.51% | 4.92% | 1.62% |
This number indicates the relative 'risk' level of this fund based on the types of assets it is invested in, ranging from level 1 (least risky) to 7 (most risky).
| Risk category | Description of volatility |
| 1 | Very low |
| 2 | Low |
| 3 | Medium |
| 4 | Medium to High |
| 5 | High |
| 6 | Very high |
| 7 | Extremely high |
The risk indicators are calculated using returns of the funds, the returns of the fund’s market index or a combination of both, for the previous five years. Index returns or a mix are used if the fund has existed for less than five years. All Managers are required to use the same methodology so you can compare the risk of different funds if you are researching more than one manager.
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As part of the 2025 Budget, the New Zealand Government introduced a number of changes to KiwiSaver, designed to enhance long-term sustainability.
Thinking about drawing down on KiwiSaver early for your first home? Wondering what other situations apply for early withdrawal? Find out when and how much you can withdraw here.
Sometimes life throws you curve balls. Learn about the special situations when you can apply to withdraw some or all of your KiwiSaver investment early.
* Note on Aggressive Funds:
Because of the high exposure to growth assets, these types of funds can experience periods of increased volatility resulting in longer minimum suggested timeframes. Before investing in aggressive funds you should consider your investment timeframe and how comfortable you are with your investment experiencing more ups and downs. These funds may not be suitable for you if you are planning to use the proceeds in the near future, for example buying your first home.
