MAS Retirement Savings Plan investment options

The Cash Portfolio has an objective of preserving capital by investing in a range of cash investments. It is more suited to investors who require an investment with very low volatility.

Suggested minimum investment timeframe: One year plus

The Defensive Portfolio aims to preserve capital while providing a steady return. It invests around 85% in cash and New Zealand and international fixed interest, with an exposure to around 15% growth assets such as Australasian and international equities and listed property in order to enhance returns. It is likely to be more suited to investors needing security of their savings over time and wish to have a high degree of stability in their return.

Suggested minimum investment timeframe: Three years plus

The Conservative Portfolio aims to provide stable returns. It invests around 70% in cash and New Zealand and international fixed interest. Around 30% in growth assets such as Australasian and international equities and listed property provides the opportunity for some capital growth over time. It may be more suited to investors wanting a strong emphasis on the security of their savings over time but who also want a degree of capital growth.

Suggested minimum investment timeframe: Four years plus 

The Balanced Portfolio aims to provide capital growth. It invests in a mix of around 50% cash and New Zealand and international fixed interest, and around 50% Australasian and international equities and listed property. It is suited to investors willing to accept moderate volatility and who are looking for long-term growth.

Suggested minimum investment timeframe: Five years plus

The Growth Portfolio aims to provide strong capital growth over the longer term. It invests around 70% in Australasian and international equities and listed property, with the remainder (around 30%) invested in New Zealand and international fixed interest to help provide an element of stability. It is likely to achieve high returns over the longer term because of its focus on growth assets. As the value of growth assets can fluctuate markedly over shorter periods of time, it may be more suited to investors who accept a higher level of volatility.

Suggested minimum investment timeframe: Seven years plus

The Aggressive Portfolio aims to provide very high growth over the longer term. It invests predominantly in Australasian and international equities and listed property (around 85%) with the remainder (around 15%) invested in New Zealand and international fixed interest.
It may be more suited to investors who accept its higher risk profile and greater volatility.

Suggested minimum investment timeframe: Ten years plus

The Global Equities Portfolio aims to provide very high growth over the longer term. It invests in Australasian and international equities and listed property. It may be more suited to investors who accept its higher risk profile and greater volatility.

Suggested minimum investment timeframe: Ten years plus