Overview

Designed for investors with a time horizon of at least 10 years, who want an investment portfolio predominantly invested in growth assets, with a medium to high degree of risk.

Investment objective

This investment stage aims to:

  • achieve a return that exceeds CPI by at least 5% pa over a 10 year period, after tax and investment fees; and
  • limit the likelihood of a negative annual return to less than five in 20 years (or 25% likelihood in each year).

Minimum suggested time to invest

10 years.

Risk level

This investment stage has a medium to high degree of risk (risk band 5).

The estimated number of negative annual returns over any 20 year period is 3.9 years.2

1 The strategic asset allocation is an indication of the proportion of the investment stage assets that are allocated to each asset class. The actual asset allocation to each of the asset classes may vary from time to time, but within the ranges indicated.

2 The figure shown is the estimated number of negative annual returns over any 20 year period for this investment stage. This is different to the investment objective (which aims to limit the likelihood of negative returns to less than a specified number of years).

Asset classStrategic asset allocation1 (%)Range (%)
Growth assets
9080-100
Equities
7060-80
Growth alternatives
2010-30
Defensive assets
100-20
Defensive alternatives
80-18
Fixed interest
00-10
Cash
20-12
Investment performance

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