Investing As A Christian | Christian KiwiSaver Scheme

Investing with us

Membership of the Christian KiwiSaver Scheme is offered only to:

  • employees of organisations whose primary activities are in our opinion Christian mission or ministry (this includes employees of charitable entities associated with or operating in the Christian Church, or employees of entities which we approve as having a Christian special character); and
  • persons who express a Christian faith and have a commitment to Christian community involvement when applying (and their immediate family members and dependants).

The Christian KiwiSaver Scheme offers three investment options – the Growth Fund, Balanced Fund and Income Fund.

You can invest your savings in any one Fund or a combination of all or any two of the three Funds. The Balanced Fund is the default Fund. If you were auto-enrolled or joined through an opt-in and you do not select a Fund then your savings will be invested in the Balanced Fund.

The information on this website shows the target asset allocations for each Fund. The actual allocations may vary from time to time, depending on factors like market movements and changes to underlying asset values. Our objectives may also change from time to time. More information is contained in the Product Disclosure Statement.

As a member of the Christian KiwiSaver Scheme, your savings are combined and invested with those of other members. Our experienced investment team:

  • can access more investment options than those available for individual investors,
  • regularly checks our returns performance against our industry peers,
  • removes what we perceive as unethical businesses from our investment options, and
  • seeks long-term returns for you.

Investment style

Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty – Proverbs 21:5

The Board has a conservative approach towards the way we invest your money. We try to avoid speculative activity that might lead to large swings in the value of your investment.

All investments involve risk. Risk is the likelihood of not getting all your money back, or getting a different return than you expect. A further explanation of the risks associated with investing in the Scheme and each Fund is contained in our Product Disclosure Statement

Cast your bread upon the waters, for after many days you will find it again. Give portions to seven, yes to eight, for you do not know what disaster may come upon the land – Ecclesiastes 11:1-2

Each Fund’s risk profile sets out the types and proportions of asset classes we will invest in. From time to time, negative returns will be unavoidable. However, our focus is always on protecting the hard earned money you have invested with us.

We recognise that sticking with our tried and tested asset class allocations is a good strategy for seeking returns over the long run. However, we take an active approach to managing our investments. This means we try to add value by choosing when to buy or sell a particular investment. We use different techniques to help us with making an investment decision. They include numerical analysis, research and intuition. We realise that investment is as much an art as a science.

By wisdom a house is built, and through understanding it is established; through knowledge its rooms are filled with rare and beautiful treasures – Proverbs 24:3-4

We do much of our investment activity ourselves (rather than using other fund managers) which helps us to apply our ethical investment policy with confidence. An Investment Committee manages the Board’s funds on our behalf. The Committee is made up of experienced industry professionals who share empathy for the aims of the Church. They work closely with management and oversee compliance with stated policies and limits.

Investment returns are calculated and allocated to member accounts quarterly and the latest returns can be found under Newsroom / Investment Returns.


You will be charged fees for investing in the Christian KiwiSaver Scheme.

Regular fixed fees

The fees charged are fixed fees called the ‘total annual fund charges’ and will differ according to the Fund your savings are invested in. The total annual fund charges cover all of the regular administration and management costs and expenses for trusteeship, administration and investment management of the Scheme.

From 1 January 2019, no fees will be deducted from the investment earnings allocated to your account for the quarter if you are not aged 18 on the first day of that quarter (i.e. on 1 April, 1 July, 1 October or 1 January, as applicable).


The total annual fund charges are calculated daily as a percentage of the net asset value in the particular Fund. The total annual fund charges are deducted from your before-tax investment returns before these are applied to your account. Returns are calculated and allocated to member accounts quarterly. We may from time to time change the amount and type of fees payable.

No individual action or other additional fees

There are currently no individual action fees (e.g. fees for establishment, contribution, withdrawal or fund switching) or other additional fees charged.

However, we are entitled under the Scheme’s Trust Deed to be reimbursed from the Scheme for other costs and expenses, such as those that are irregular or extraordinary or cannot be reasonably known or estimated.