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Investor profiler
Sounds like you're
aan
investor!
What will your results be like? Here is one possible outcome along with the other investor types to give you an idea.
The example graphs shown here are of $10,000 invested over 25 years with $50 added each week. To bring you these, we've based them on a range of assumptions and thousands of simulations. Your results will vary.
Aggressive
Growth
Balanced
Conservative
Defensive
What can aan
investor expect?
Timeframe
How long before you plan to use the money you're investing? For your investor type and mix, you'll need to commit to investing for at least this amount of time.
13 to yearsyears plus
Returns
Returns are what you can expect to receive from investing in line with your profile. These come from your investments increasing in value or producing income. Figures shown here are before the effects of fees, taxes and inflation.
Return
p.a.
-8.7%
Range
-8.7% to 25.2%
Chance of loss
Your investments can both gain and lose value for a while, causing your balance to rise and fall. How often might this happen? For your profile, here's an estimate of how often you could see your balance fall and experience a loss over the next three years.
Negative
Return
1 year in 4.1
6.9%
in the next three years
What mix of investments suits aan
investor?
Your mix of investments (asset allocation) will drive your results – including the amount of money you get back (returns) and the ups and downs in value (volatility) you experience. For your specific profile, a typical mix might look like this:
90%
invested in growth assets
These investment mixes are only a general guideline, and your ideal mix will change over time as your needs and goals change. Growth assets are the riskier investments – shares and commercial property.
%
Shares
With shares you buy a slice of a company and receive part of its profit, either from dividends it pays or because its share price climbs. Here’s more about investing in shares.
10%
Property
Property refers to commercial property or owning rental property. Here’s our property investing guide.
6%
Bonds
With bonds you lend your money to a government or company and they pay you regular interest payments. Here’s more about investing in bonds.
1%
Cash
Investors and fund managers will typically hold some cash, much like we would in a term deposit. Here’s more about investing in cash.
Within each kind of investment (asset class), it’s a good idea to spread your risk (diversify) across a variety of companies, industries and countries in order to smooth out the ups and downs. Some might not do so well, while others might do quite well – so it’s safer to diversify and not have all your eggs in one basket.
Explore funds with a similar mix on Smart Investor
Smart Investor
Compare investment offers across New Zealand – managed funds, KiwiSaver, shares and bonds.
Investor profiler
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Investor profiler
Find an investing strategy that suits you best
As you put your money to work, how much risk is right for you? It depends on your personality, situation and the timeframe you’re investing for. Build your investor profile here.
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Skip to all investor types 
Aggressive
Growth
Balanced
Conservative
Defensive
To invest well, it helps to know:
- The type of investor you are (your profile)
- The right mix of investments for you
- The sorts of results you can expect
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