GOALSGETTER KIWISAVER SCHEME
Goalsgetter Milford Balanced Fund
Recent material changes
Diffs we track across PDS, SIPO, holdings + fee history
- View SIPO history →SIPOMATERIALMar 2026External investment manager: changedMaterial policy change in SIPO dated Mar 2026
- View fee + return history →FeeMATERIALMar 2026Annual fee 1.23% → 1.35% (+0.12pp)Quarter-on-quarter (Dec 2025 → Mar 2026)
- View holdings changes →HoldingsMAJORMar 2026Top-10 turnover: 1 new, 1 droppedQuarter-on-quarter (Dec 2025 → Mar 2026)
About this balanced fund
The Goalsgetter Milford Balanced Fund is a KiwiSaver scheme fund managed by Nikko within the GOALSGETTER KIWISAVER SCHEME. It holds 64% in growth assets and 6% in income assets, with the remainder in other holdings. This balanced allocation sits in the middle of the fund provider's range, designed to pursue moderate capital growth alongside some income generation over the medium to longer term.
The fund charged an annual fee of 1.24% as of the latest quarter ending 31 March 2026. This sits above the peer-median fee of 0.85% for balanced-type scheme funds. Over the five-year period to that date, the fund delivered a 0.00% average annual return. Past performance is not a reliable indicator of future returns.
The fund carries a risk indicator of 4 out of 7 on the Financial Markets Authority scale, placing it in the moderate-risk band. This profile is typically considered suitable for members with a medium investment timeframe who can tolerate moderate fluctuations in their account balance. The fund currently holds $3.8 million across 101 members.
Holdings
As of 2026-03-31 Goalsgetter Milford Balanced Fund reports an asset mix of 64% growth assets (shares, listed property, alternatives) and 6% income assets (cash, bonds, fixed interest). This split is typical for a balanced fund. The full asset-mix breakdown including overseas vs domestic and listed vs unlisted exposure appears in the asset-allocation chart below.
Performance
Goalsgetter Milford Balanced Fund has 4 quarters of QFU data on file (2025-03-31 to 2026-03-31). Past performance is not a reliable indicator of future returns.
Fees
At 1.24% in annual charges, Goalsgetter Milford Balanced Fund's fee sits 0.39 percentage points above the median for Balanced KiwiSaver scheme funds in our coverage (median 0.85%). 56 of the 76 funds in this cohort charge a lower annual fee (this fund ranks 57 cheapest of 76). Fee level is a mechanical signal — does not factor in returns, risk, or manager skill.
Risk and suitability
Goalsgetter Milford Balanced Fund carries a risk indicator of 4/7 on the FMA risk scale. Risk indicator 3-4 funds are typically considered for members with a medium investment horizon (3-10 years) or those balancing growth potential against shorter-term volatility. 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 Balanced KiwiSaver scheme fund (light green).
Fees
1.24%
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 Balanced 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 forbalanced KiwiSaver scheme funds is shown in light blue.
Key Takeaways
Here’s the provider’s overview of the managed fund:
“ A diversified fund that primarily invests in equities, with a significant allocation to fixed interest securities. Aims to achieve capital growth after the base fund fee but before tax and before the performance fee (if applicable) over the minimum recommended investment timeframe. Aims to generate a return while minimising potential losses. ”
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 Balanced 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 219.30% of this fund.
| Asset | Asset Class | Type | Country | % of Fund | |
|---|---|---|---|---|---|
 | The total value of the top 10 investments makes up | 100.00 | |||
 | Harbour Balanced Growth Fund Diversiͅed fund New Zealand - | 99.30 | |||
 | Foreign currency exposure in the underlying fund as at 31 March 2026 was | 20.0 |
Top-10 holdings changes
31 Dec 2025 → 31 Mar 2026
Foreign currency exposure in the underlying fund as at 31 March 2026 was20.00%
Foreign currency exposure in the underlying fund as at 31 December 2025 waswas 21.10%
None this quarter.
None this quarter.
Fees
1.24%
This Fund
0.92%
Average Balanced 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 Balanced 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 |
|---|---|---|
| total Total fund charges | 1.24% | — |
| membership Membership fee | — | 30 |
Returns
null%
This Fund
4.31%
Average Balanced 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 Balanced 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 | NIKKO ASSET MANAGEMENT NEW ZEALAND LIMITED |
| Type | NZ Limited Company |
| Website | nikkoam.co.nz |
| NZBN | 9429038788291 |
| FSP Number | FSP22562 |
Fund information
| Asset liquidity ratio | 100.00% |
| Total value of fund | $3826745 |
| Debt ratio | 0.02% |
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
- FND49115
- FSP number
- FSP22562
- NZBN
- 9429038788291
- Provider
- Nikko
- Scheme
- GOALSGETTER KIWISAVER SCHEME
Endpoints for Goalsgetter Milford Balanced Fund
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} } }
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