Funds

Kōura KiwiSaver Conservative Strategy

Total Ethical Concerns: 1.24%

The average total concerns of all KiwiSaver conservative funds is 3.58%.

Companies of Concern

  • Animal Cruelty 0.57%

    • Air Liquide
      0.06%
      0.06%
    • The Sherwin-Williams Co.
      0.06%
      0.06%
    • Hermès International Sca
      0.04%
      0.04%
    • Shin-Etsu Chemical Co., Ltd.
      0.04%
      0.04%
    • Givaudan SA
      0.03%
      0.03%
    • Church & Dwight Co., Inc.
      0.02%
      0.02%
    • International Flavors & Fragrances, Inc.
      0.02%
      0.02%
    • Otsuka Holdings Co., Ltd.
      0.02%
      0.02%
    • PPG Industries, Inc.
      0.02%
      0.02%
    • Unilever PLC
      0.02%
      0.02%
    • Entegris, Inc.
      0.01%
      0.01%
    • Henkel AG & Co. Kgaa
      0.01%
      0.01%
    • Kao Corp.
      0.01%
      0.01%
    • Novozymes A/S
      0.01%
      0.01%
    • Rpm International, Inc.
      0.01%
      0.01%
    • Sabic
      0.01%
      0.01%
    • The Clorox Co.
      0.01%
      0.01%
  • Fossil Fuels 0.55%

    • Contact Energy Ltd.
      0.36%
      1.5°C
      This company is on a 1.5°C pathway
      0.36%
    • 0.13%
    • Dassault Systèmes Se
      0.01%
      0.01%
  • Weapons 0.1%

    • Amphenol Corp.
      0.05%
      0.05%
    • Howmet Aerospace, Inc.
      0.03%
      0.03%
    • Booz Allen Hamilton Holding Corp.
      0.01%
      0.01%

From the Fund Provider

  • About this fund

    About this Fund

    The Conservative Strategy aims to replicate the equivalent of 25% growth and 75% income assets by investing in Koura Funds.Our Conservative Strategy primarily focuses on safeguarding your money while aiming for modest capital growth.

    Value $0 NZD
    Period of data report 31st Dec. 2024
    Members Not provided
    Fund started 15th April 2024
    Total annual fund fees 0.63%
    Total performance based fees 0.0%
    Manager's basic fee 0.59%
    Other management and administration charges 0.04%
    Total other charges 30.0
    Total other charges currency NZD

    Warren Couillault

    Currently: Chairman, Investment Committee Member (5 years, 8 months)
    Previously: CEO, Hobson Wealth (6 years, 8 months)

    Rupert Carlyon

    Currently: Managing Director , Investment Committee Member (6 years, 4 months)
    Previously: Director, KPMG (2 years, 0 months)

    David Moore

    Currently: Investment Committee Member (5 years, 8 months)
    Previously: Executive Director, UBS AG (29 years, 6 months)

    Nigel Scott

    Currently: Director, Investment Committee Member (4 years, 1 months)
    Previously: Non Executive-Director, Hobson Wealth (3 years, 8 months)

    This information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st Dec. 2024.

  • 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

    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 Dec. 2024.

  • Investments

    Top 10 Investments

    • BNZ NZD Account

      New Zealand Cash and Equivalents AA-

      18.72%
    • Ishares ESG Advanced Msci Usa ETF

      United States International Equities

      13.21%
    • Nzlgfa 2.25% 15/05/2031

      New Zealand NZ Fixed Interest AAA

      5.51%
    • Ishares ESG Advanced Msci Eafe ETF

      United States International Equities

      4.82%
    • Bzlnz 5.8720% 01/09/2028

      New Zealand NZ Fixed Interest AA-

      3.34%
    • Kiwi 5.737% 19/10/2027

      New Zealand NZ Fixed Interest A1

      2.69%
    • Kbn 1.25% 02/07/2030

      New Zealand NZ Fixed Interest AAA

      2.5%
    • Ishares ESG Advanced Msci Em ETF

      United States International Equities

      2.18%
    • Kiwi 6.254% 19/10/2028

      New Zealand NZ Fixed Interest A1

      2.02%
    • Nzlgfa 4.5% 15/05/2030

      New Zealand NZ Fixed Interest AAA

      1.43%
    Type Target Actual
    Cash and Cash Equivalents 20.0% 21.77%
    New Zealand Fixed Interest 55.0% 53.48%
    International Fixed Interest 0.0% 0.0%
    Australasian Equities 5.0% 4.94%
    International Equities 20.0% 19.8%
    Listed Properties 0.0% 0.0%
    Unlisted Properties 0.0% 0.0%
    Other 0.0% 0.0%
    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 Dec. 2024.

This data is compiled by Mindful Money from the fund information and portfolios that each KiwiSaver fund has filed with the Disclose register to 30th Sept. 2024 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

  • 0.57% Animal Cruelty
  • 0.01% Human Rights Violations
  • 0.01% Social Harm
  • 0.55% Fossil Fuels
  • 0.1% Weapons
  • 0.02% Environmental Harm

Companies of Concern

    • Air Liquide
      0.06%
      0.06%
    • The Sherwin-Williams Co.
      0.06%
      0.06%
    • Hermès International Sca
      0.04%
      0.04%
    • Shin-Etsu Chemical Co., Ltd.
      0.04%
      0.04%
    • Givaudan SA
      0.03%
      0.03%
    • Church & Dwight Co., Inc.
      0.02%
      0.02%
    • International Flavors & Fragrances, Inc.
      0.02%
      0.02%
    • Otsuka Holdings Co., Ltd.
      0.02%
      0.02%
    • PPG Industries, Inc.
      0.02%
      0.02%
    • Unilever PLC
      0.02%
      0.02%
    • Entegris, Inc.
      0.01%
      0.01%
    • Henkel AG & Co. Kgaa
      0.01%
      0.01%
    • Kao Corp.
      0.01%
      0.01%
    • Novozymes A/S
      0.01%
      0.01%
    • Rpm International, Inc.
      0.01%
      0.01%
    • Sabic
      0.01%
      0.01%
    • The Clorox Co.
      0.01%
      0.01%
    • Contact Energy Ltd.
      0.36%
      1.5°C
      This company is on a 1.5°C pathway
      0.36%
    • 0.13%
    • Dassault Systèmes Se
      0.01%
      0.01%
    • Amphenol Corp.
      0.05%
      0.05%
    • Howmet Aerospace, Inc.
      0.03%
      0.03%
    • Booz Allen Hamilton Holding Corp.
      0.01%
      0.01%

About this Fund

The Conservative Strategy aims to replicate the equivalent of 25% growth and 75% income assets by investing in Koura Funds.Our Conservative Strategy primarily focuses on safeguarding your money while aiming for modest capital growth.

Value $0 NZD
Period of data report 31st Dec. 2024
Members Not provided
Fund started 15th April 2024
Total annual fund fees 0.63%
Total performance based fees 0.0%
Manager's basic fee 0.59%
Other management and administration charges 0.04%
Total other charges 30.0
Total other charges currency NZD

Warren Couillault

Currently: Chairman, Investment Committee Member (5 years, 8 months)
Previously: CEO, Hobson Wealth (6 years, 8 months)

Rupert Carlyon

Currently: Managing Director , Investment Committee Member (6 years, 4 months)
Previously: Director, KPMG (2 years, 0 months)

David Moore

Currently: Investment Committee Member (5 years, 8 months)
Previously: Executive Director, UBS AG (29 years, 6 months)

Nigel Scott

Currently: Director, Investment Committee Member (4 years, 1 months)
Previously: Non Executive-Director, Hobson Wealth (3 years, 8 months)

This information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st Dec. 2024.

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

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 Dec. 2024.

Top 10 Investments

  • BNZ NZD Account

    New Zealand Cash and Equivalents AA-

    18.72%
  • Ishares ESG Advanced Msci Usa ETF

    United States International Equities

    13.21%
  • Nzlgfa 2.25% 15/05/2031

    New Zealand NZ Fixed Interest AAA

    5.51%
  • Ishares ESG Advanced Msci Eafe ETF

    United States International Equities

    4.82%
  • Bzlnz 5.8720% 01/09/2028

    New Zealand NZ Fixed Interest AA-

    3.34%
  • Kiwi 5.737% 19/10/2027

    New Zealand NZ Fixed Interest A1

    2.69%
  • Kbn 1.25% 02/07/2030

    New Zealand NZ Fixed Interest AAA

    2.5%
  • Ishares ESG Advanced Msci Em ETF

    United States International Equities

    2.18%
  • Kiwi 6.254% 19/10/2028

    New Zealand NZ Fixed Interest A1

    2.02%
  • Nzlgfa 4.5% 15/05/2030

    New Zealand NZ Fixed Interest AAA

    1.43%
Type Target Actual
Cash and Cash Equivalents 20.0% 21.77%
New Zealand Fixed Interest 55.0% 53.48%
International Fixed Interest 0.0% 0.0%
Australasian Equities 5.0% 4.94%
International Equities 20.0% 19.8%
Listed Properties 0.0% 0.0%
Unlisted Properties 0.0% 0.0%
Other 0.0% 0.0%
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 Dec. 2024.