You do not need hundreds of thousands of dollars to start investing. You need a plan, an appropriate strategy and time.
Investments at a glance
A managed fund pools money from multiple investors and invests it across assets such as shares, property, fixed interest and cash.
Professional fund managers select and monitor investments according to the fund's objectives. This gives investors professional management and diversification without having to research and trade every investment themselves.
If you have KiwiSaver, you already own units in a managed fund. KiwiSaver is primarily designed for retirement and first-home saving, so access is restricted.
Managed investment funds generally offer greater access than KiwiSaver and can sit alongside business assets, property and retirement savings.
The right strategy depends on your goals, timeframe and financial position. Regular, affordable contributions can be more useful than waiting for the “perfect” time or a large lump sum.
Time and consistency
Compounding occurs when investment earnings begin generating further earnings. Over long periods, this can make consistent small contributions surprisingly powerful.
A 25-year-old investing $10 each week until age 70, with an average 7% annual return, could build approximately $165,000. They would contribute $23,400 themselves, with the balance coming from investment growth.
At $50 each week under the same assumptions, the projected balance would be more than $825,000.
Illustrative example only. Assumes weekly contributions and an average 7% annual return for 45 years. Actual returns vary, fees and tax apply, and investments can rise or fall in value.
All investing involves risk. Growth assets may offer higher long-term return potential but can move sharply in the short term. More conservative assets usually fluctuate less but may provide lower long-term growth.
Your goals, timeframe, capacity for loss and comfort with market movement should shape the strategy—not last year's top-performing fund.
How we help
We help clarify goals, assess risk, compare managed funds, select suitable providers and keep investments connected to your wider financial plan.
Common questions
You do not need a large lump sum. Many managed funds accept regular contributions, allowing people to begin with relatively small amounts and build over time.
All investments involve risk. The level of risk varies depending on the assets held and the fund strategy. We help you understand the trade-offs and choose an approach aligned with your goals, timeframe and comfort with market movement.
Managed funds generally provide more access than KiwiSaver, although withdrawal timing and conditions vary by provider and fund. We will explain these details before you invest.
The cost depends on the advice and investment solution involved. We explain any fees clearly before you proceed.
Review your strategy regularly and whenever your goals, financial position or investment timeframe change significantly.
Yes. We can discuss how your existing investments fit into your wider strategy and whether any changes may be worth considering.
Whether this is your first investment, you are building wealth outside KiwiSaver or want a second opinion, we will help you understand the options.
Book a Complimentary Investment ConsultationLoading relevant advisers…
