INVESTNOW KIWISAVER SCHEME
Investnow Foundation Series Us 500 Fund
Recent material changes
Diffs we track across PDS, SIPO, holdings + fee history
About this aggressive fund
The Investnow Foundation Series Us 500 Fund is offered through the INVESTNOW KIWISAVER SCHEME by Fundrock. This KiwiSaver scheme fund holds 100% growth assets and 0% income assets, positioning it as an aggressive investment vehicle. The fund aims to provide capital growth through exposure to United States equities, forming part of Fundrock's diversified fund range for members seeking growth-oriented strategies.
Over the five-year period to 31 March 2026, the fund delivered a 0.00% average annual return. The annual fee of 0.03% sits substantially below the peer-median fee of 0.86% for aggressive KiwiSaver scheme funds in its cohort. The fund currently manages $1.1 million across 91 members. Past performance is not a reliable indicator of future returns, and investment outcomes may vary materially from historical results.
A risk indicator of 5 out of 7 on the FMA scale reflects higher volatility and potential for significant fluctuations in unit value. This risk profile is typically considered appropriate for members with longer investment timeframes who can tolerate substantial short-term capital movements. The aggressive composition suits those seeking growth exposure rather than income stability or capital preservation.
Past performance is not a reliable indicator of future returns.
Holdings
As of 2026-03-31 Investnow Foundation Series Us 500 Fund reports an asset mix of 100% growth assets (shares, listed property, alternatives) and 0% income assets (cash, bonds, fixed interest). This split is typical for a aggressive fund. The full asset-mix breakdown including overseas vs domestic and listed vs unlisted exposure appears in the asset-allocation chart below.
Performance
Investnow Foundation Series Us 500 Fund's most recent QFU is dated 2026-03-31. Past performance is not a reliable indicator of future returns.
Fees
At 0.03% in annual charges, Investnow Foundation Series Us 500 Fund's fee sits 0.83 percentage points below the median for Aggressive KiwiSaver scheme funds in our coverage (median 0.86%). This is the cheapest fund of the 128 in this cohort. Fee level is a mechanical signal — does not factor in returns, risk, or manager skill.
Risk and suitability
Investnow Foundation Series Us 500 Fund carries a risk indicator of 5/7 on the FMA risk scale. Risk indicator 5-6 funds are typically considered for members with a long investment horizon (10+ years) who can tolerate larger short-term value swings in exchange for higher long-term return potential. FundCompare does not provide personalised advice; consult a licensed financial adviser to understand whether this risk profile fits your circumstances.
Returns
null%
Five Year Average Return
Returns (green) show the fund’s growth over the five years to 31 March 2026, after fees and taxes. Compare these results with the average Aggressive KiwiSaver scheme fund (light green).
Fees
0.03%
One Year Average Fees
Fees shown here (blue) represent what you would pay over a year if you had $30,000 invested in this fund. Compare them with the average fees for Aggressive KiwiSaver scheme funds (light blue).
Asset Mix
The fund’s mix of growth assets (shares, property) and income assets (bonds, cash) as of 31 March 2026. The average mix foraggressive KiwiSaver scheme funds is shown in light blue.
Key Takeaways
Here’s the provider’s overview of the managed fund:
“ Provides exposure to a single sector fund that invests into an ETF that in turn invests in shares of the largest companies listed on stock markets in the United States ”
When can I get my money out?
This is a fund within a KiwiSaver scheme, which means generally you can withdraw only to purchase a first home, after the age of 65 or in cases of financial hardship.
Asset mix
This fund's asset mix
Average for Aggressive funds
Your investment mix shapes your outcome
The balance of assets you choose — your asset allocation, has the biggest impact on how your investments perform and how much their value may rise or fall along the way. Selecting that balance is crucial. By adjusting the proportion of growth-oriented investments you include, you’re effectively setting your preferred level of risk. Generally, taking on more risk can increase the potential for higher returns, but there’s never a guarantee — that’s the nature of risk. To find an allocation suited to your personal circumstances (sometimes called your risk profile), you can start with an investor risk questionnaire or a KiwiSaver-specific guide.
Top 10 investments
These assets make up 100.00% of this fund.
| Asset | Asset Class | Type | Country | % of Fund | |
|---|---|---|---|---|---|
 | VANGUARD S&P 500 ETF | Shares | International equities | US | 99.69% |
| CASH AT BANK (BNZ) | Cash | Cash and equivalents | NZ | 0.31% |
Fees
0.03%
This Fund
0.88%
Average Aggressive Kiwisaver funds
The blue segment shows the annual fees you’d pay if you invested $30,000 in this fund. The grey segment represents the typical yearly fees for an average Aggressive KiwiSaver scheme fund, so you can compare them directly.
Smaller Fees, Bigger Potential
When it comes to investing, spending more doesn’t automatically lead to stronger results. In fact, higher fund fees can often eat into your returns. Remember, what you keep is calculated after fees and taxes are deducted. Because no one can predict how any fund will perform, it’s generally wise to look for options with lower costs whenever you can.
Fees breakdown
| Fee Type | % Over a year | Amount paid on a 30k balance |
|---|---|---|
| Management This fee is charged to you by the fund manager on the fund or an underlying fund, and is based on a percentage of your balance. | 0.00% Average: 0.76% | $0.00 Average: $229.38 |
| Other This is a summary of other potential costs not covered in the categories displayed. | 0.03% Average: 0.08% | $9.00 Average: $23.73 |
| Performance-based These fees are based on the performance of the fund or underlying fund. When the fund performs well, these will be higher. | — Average: 0.00% | $0.00 Average: $0.00 |
| Membership You pay this membership charge (a flat fee) each year, regardless of your balance or the fund's performance. | 0.00% Average: 0.06% | $0.00 Average: $17.47 |
| Total combined fees These are a total of management and administration charges and performance-based fees over a year. They do not necessarily include fees for activities like transferring or withdrawing. | 0.03% Average: 0.90% | $9.00 Average: $270.57 |
Returns
null%
This Fund
5.26%
Average Aggressive Kiwisaver funds
Over the past five years, this fund delivered the average annual return shown here (in green) to investors, after fees and taxes (28% PIR) were applied. For comparison, the average return over the same period for all Aggressive KiwiSaver scheme funds is shown in grey.
Returns: Reflecting the Past
Investing is about seeking returns, but the figures shown here represent historical performance—they cannot be relied upon to continue in the future. Selecting a fund solely based on past performance is not advisable. A well-informed decision should consider factors such as an appropriate investment mix for your goals and reasonable fees.
Risks
Risk indicator
This indicator reflects how much the investment’s value has fluctuated over time. It is calculated from the fund’s five-year performance, or from a comparable market index if the fund has a shorter history.
Additional details
Manager information
| Name | FUNDROCK NZ LIMITED |
| Type | NZ Limited Company |
| Website | fundrock.com |
| NZBN | 9429031398602 |
| FSP Number | FSP127464 |
Fund information
| Asset liquidity ratio | 100.00% |
| Total value of fund | $1081702 |
| Debt ratio |
Fee + return history
View detailed history →Quarterly fees and after-tax returns recorded against this fund since inception. Sourced from FMA Disclose Quarterly Fund Updates. The detailed view shows the full chart + per-quarter data table.
PDS changes
View detailed PDS history →Material changes to the Product Disclosure Statement over time — fee adjustments, asset-allocation shifts, scheme-rule amendments. Diff against the previous PDS shown side-by-side in the detailed view.
Holdings changes
View detailed holdings diff →Top-10-holdings additions, removals, and weight changes across quarters. Shows the manager's actual portfolio decisions over time, sourced from the fund's Quarterly Fund Update.
SIPO changes
View detailed SIPO history →Statement of Investment Policy and Objectives revisions — investment objective rewrites, asset-class target shifts, ESG policy changes, derivatives policy changes. The detailed view diffs against prior SIPO versions.
AI · API · Markdown
Machine-readable surfaceEvery fund page on FundCompare ships with structured JSON and a plain-markdown summary alongside the HTML — so LLMs, MCP clients, and analysts can cite the same regulator-sourced data the page renders. Source documents come from FMA Disclose, IRD, and Sorted Fund Finder.
Identifiers
- FMA fund code
- FND42840
- FSP number
- FSP127464
- NZBN
- 9429031398602
- Provider
- Fundrock
- Scheme
- INVESTNOW KIWISAVER SCHEME
Endpoints for Investnow Foundation Series Us 500 Fund
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} } }
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The information provided on this website is not a recommendation to buy, sell, or hold any financial products. Nothing on this website constitutes financial advice for the purposes of the Financial Markets Conduct Act 2013. FundCompare.co.nz is not a licensed Financial Advice Provider.
Investing involves risk. The value of your investment can go down as well as up, and you may get back less than you put in. Past performance is not a reliable indicator of future returns.
Before making any investment decision, you should read the Product Disclosure Statement (PDS) for the fund carefully. If you have questions or are unclear about the implications of your investment decision, you should seek advice from a licensed Financial Advice Provider.
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