Funds

InvestNow KiwiSaver Harbour Active Growth Fund

Total Ethical Concerns: 4.22%

The average total concerns of all KiwiSaver growth funds is 8.07%.

Companies of Concern

  • Animal Cruelty 0.4%

    • Colgate-Palmolive Co.
      0.10%
      0.10%
    • The Sherwin-Williams Co.
      0.09%
      0.09%
    • 0.08%
    • Unilever PLC
      0.07%
      0.07%
    • Entegris, Inc.
      0.03%
      0.03%
    • Prada Spa
      0.03%
      0.03%
  • Human Rights Violations 1.12%

    • 0.73%
    • UBS
      0.15%
      0.15%
    • Rio Tinto
      0.10%
      0.10%
    • Wells Fargo
      0.08%
      0.08%
    • Grupo México S.A.B. De C.V.
      0.06%
      0.06%
  • Fossil Fuels 2.42%

    • Contact Energy Ltd.
      0.89%
      1.5°C
      This company is on a 1.5°C pathway
      0.89%
    • BHP
      0.65%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.65%
    • Channel Infrastructure
      0.25%
      0.25%
    • Nextera Energy, Inc.
      0.18%
      0.18%
    • Constellation Energy Corp.
      0.15%
      0.15%
    • Rio Tinto
      0.10%
      0.10%
    • Apa Group
      0.08%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.08%
    • Grupo México S.A.B. De C.V.
      0.06%
      0.06%
    • Valero Energy Corp.
      0.03%
      0.03%
    • Targa Resources Corp.
      0.02%
      0.02%
    • Cassa Depositi E Prestiti Spa
      0.01%
      0.01%
  • Weapons 0.1%

    • Amphenol Corp.
      0.10%
      0.10%
  • Environmental Harm 1.06%

    • BHP
      0.65%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.65%
    • Fonterra
      0.29%
      0.29%
    • Unilever PLC
      0.07%
      0.07%
    • 0.05%

From the Fund Provider

  • About this fund

    About this Fund

    Provides exposure to a diversified fund that invests in a portfolio weighted towards growth assets but with some income asset exposure

    Value $1.44M NZD
    Period of data report 31st March 2025
    Members 142
    Fund started 19th April 2021
    Total annual fund fees 1.03%
    Total performance based fees 0.0%
    Manager's basic fee 0.8%
    Other management and administration charges 0.23%
    Total other charges 0.0
    Total other charges currency NZD

    Mike Heath

    Currently: Investment Committee Member (5 years, 0 months)
    Previously: General Manager, InvestNow (7 years, 0 months)

    Anthony Edmonds

    Currently: Investment Committee Member (5 years, 0 months)
    Previously: Business Development Director, Apex New Zealand (0 years, 8 months)

    Anthony Sowerby

    Currently: Investment Committee Member (5 years, 0 months)
    Previously: Head of Investment Management Oversight, FundRock NZ (3 years, 6 months)

    Jason Choy

    Currently: Investment Committee Member (2 years, 8 months)
    Previously: Senior Portfolio Manager, FundRock NZ and InvestNow (2 years, 10 months)

    This information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st March 2025.

  • Past Returns

    Past Returns

    Past annual returns for this fund are after fees and taxes. Please note that higher past returns do not always mean higher future returns.

    Year Market Average Fund Annual Return
    2025 3.71% 0.65%
    2024 14.15% 8.63%
    2023 -3.87% -7.04%

    The market average is the average return for funds of the same risk category, sourced from the Commission for Financial Capability's Sorted website. The fund information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st March 2025.

  • Investments

    Top 10 Investments

    • Harbour Active Growth Fund

      New Zealand Fund

      100.0%
    Type Target Actual
    Cash and Cash Equivalents 5.0% 7.54%
    New Zealand Fixed Interest 25.0% 15.12%
    International Fixed Interest 0.0% 8.69%
    Australasian Equities 25.0% 19.65%
    International Equities 35.0% 31.57%
    Listed Properties 5.0% 5.06%
    Unlisted Properties 0.0% 0.0%
    Other 5.0% 12.37%
    Commodities 0.0% 0.0%

    Investment Mix

    How the money in this fund is invested by asset type.

    This information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st March 2025.

This data is compiled by Mindful Money from the fund information and portfolios that each KiwiSaver fund has filed with the Disclose register to 31st March 2025 and Mindful Money analysis of funds within those portfolios. The list of companies of concern has been drawn from ratings agencies and public sources, including the Norwegian Sovereign Fund, NZ Super Fund, Sustainalytics and research organisations.

Please note that companies may breach more than one of these areas of concern.

The listing of companies of concern is based on definitions used in Mindful Money's methodology. These definitions may be different from the exclusions policy and definitions applied by the fund provider.

Mindful Money uses the term Mindful Funds as our standard for ethical investment and responsible investment. This does not imply that other funds are unethical or that the fund providers that do not meet these standards are unethical providers.

Issues of Concern

  • 0.4% Animal Cruelty
  • 1.12% Human Rights Violations
  • 0.0% Social Harm
  • 2.42% Fossil Fuels
  • 0.1% Weapons
  • 1.06% Environmental Harm

Companies of Concern

  • Animal Cruelty

    • Colgate-Palmolive Co.
      0.10%
      0.10%
    • The Sherwin-Williams Co.
      0.09%
      0.09%
    • 0.08%
    • Unilever PLC
      0.07%
      0.07%
    • Entegris, Inc.
      0.03%
      0.03%
    • Prada Spa
      0.03%
      0.03%
  • Human Rights Violations

    • 0.73%
    • UBS
      0.15%
      0.15%
    • Rio Tinto
      0.10%
      0.10%
    • Wells Fargo
      0.08%
      0.08%
    • Grupo México S.A.B. De C.V.
      0.06%
      0.06%
  • Fossil Fuels

    • Contact Energy Ltd.
      0.89%
      1.5°C
      This company is on a 1.5°C pathway
      0.89%
    • BHP
      0.65%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.65%
    • Channel Infrastructure
      0.25%
      0.25%
    • Nextera Energy, Inc.
      0.18%
      0.18%
    • Constellation Energy Corp.
      0.15%
      0.15%
    • Rio Tinto
      0.10%
      0.10%
    • Apa Group
      0.08%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.08%
    • Grupo México S.A.B. De C.V.
      0.06%
      0.06%
    • Valero Energy Corp.
      0.03%
      0.03%
    • Targa Resources Corp.
      0.02%
      0.02%
    • Cassa Depositi E Prestiti Spa
      0.01%
      0.01%
  • Weapons

    • Amphenol Corp.
      0.10%
      0.10%
  • Environmental Harm

    • BHP
      0.65%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.65%
    • Fonterra
      0.29%
      0.29%
    • Unilever PLC
      0.07%
      0.07%
    • 0.05%

About this Fund

Provides exposure to a diversified fund that invests in a portfolio weighted towards growth assets but with some income asset exposure

Value $1.44M NZD
Period of data report 31st March 2025
Members 142
Fund started 19th April 2021
Total annual fund fees 1.03%
Total performance based fees 0.0%
Manager's basic fee 0.8%
Other management and administration charges 0.23%
Total other charges 0.0
Total other charges currency NZD

Mike Heath

Currently: Investment Committee Member (5 years, 0 months)
Previously: General Manager, InvestNow (7 years, 0 months)

Anthony Edmonds

Currently: Investment Committee Member (5 years, 0 months)
Previously: Business Development Director, Apex New Zealand (0 years, 8 months)

Anthony Sowerby

Currently: Investment Committee Member (5 years, 0 months)
Previously: Head of Investment Management Oversight, FundRock NZ (3 years, 6 months)

Jason Choy

Currently: Investment Committee Member (2 years, 8 months)
Previously: Senior Portfolio Manager, FundRock NZ and InvestNow (2 years, 10 months)

This information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st March 2025.

Past Returns

Past annual returns for this fund are after fees and taxes. Please note that higher past returns do not always mean higher future returns.

Year Market Average Fund Annual Return
2025 3.71% 0.65%
2024 14.15% 8.63%
2023 -3.87% -7.04%

The market average is the average return for funds of the same risk category, sourced from the Commission for Financial Capability's Sorted website. The fund information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st March 2025.

Top 10 Investments

  • Harbour Active Growth Fund

    New Zealand Fund

    100.0%
Type Target Actual
Cash and Cash Equivalents 5.0% 7.54%
New Zealand Fixed Interest 25.0% 15.12%
International Fixed Interest 0.0% 8.69%
Australasian Equities 25.0% 19.65%
International Equities 35.0% 31.57%
Listed Properties 5.0% 5.06%
Unlisted Properties 0.0% 0.0%
Other 5.0% 12.37%
Commodities 0.0% 0.0%

Investment Mix

How the money in this fund is invested by asset type.

This information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st March 2025.

This data is compiled by Mindful Money from the fund information and portfolios that each KiwiSaver fund has filed with the Disclose register to 31st March 2025 and Mindful Money analysis of funds within those portfolios. The list of companies of concern has been drawn from ratings agencies and public sources, including the Norwegian Sovereign Fund, NZ Super Fund, Sustainalytics and research organisations.

Please note that companies may breach more than one of these areas of concern.

The listing of companies of concern is based on definitions used in Mindful Money's methodology. These definitions may be different from the exclusions policy and definitions applied by the fund provider.

Mindful Money uses the term Mindful Funds as our standard for ethical investment and responsible investment. This does not imply that other funds are unethical or that the fund providers that do not meet these standards are unethical providers.