The five investor profiles below describe different types of investor attitudes towards the balance of risk and potential investment returns. Pick the profile that best describes you and then view the suggested Investment Funds that match the profile.

Investor profile	Matching Investment Fund
Defensive investor You are a cautious investor and prefer stable or consistent returns. You accept that over time, your investment may not grow as fast as inflation.	NZ Cash Fund
Conservative investor You seek comparatively stable returns. You are prepared to accept comparatively lower returns to achieve this objective. You accept returns may vary from year to year and may be negative.	Tracker Conservative Fund Active Conservative Fund
Moderate investor You seek moderate returns from your investment and are prepared to accept some fluctuation in the value of your investment to achieve this. You accept returns may vary from year to year and may be negative.	Tracker Moderate Fund
Balanced investor You seek medium to high returns from your investment. In achieving growth, you are willing to accept volatility in your investments and that returns may vary from year to year.	Tracker Balanced Fund Active Balanced Fund
Growth investor You are a long-term investor seeking a high return from your investment. You are prepared to accept significant fluctuations in return from year to year to achieve this objective. You accept that returns may be negative.	Tracker Growth Fund Active Growth Fund Active High Growth Fund Global Sustainability Fund

Important

This profile should not be your only source of information and advice when you are making investment decisions. It should be treated as a guide only and is not a personal investment or financial plan. You may wish to seek advice from a financial adviser.

Disclaimer

A copy of the Investment Statement for the FirstChoice KiwiSaver Scheme ("FirstChoice KiwiSaver") is available here or by calling 0800 1ST CHOICE (0800 178 246).