INVESTNOW KIWISAVER SCHEME
Investnow Mint Diversified Income Fund
Recent material changes
Diffs we track across PDS, SIPO, holdings + fee history
About this conservative fund
The Investnow Mint Diversified Income Fund is a conservative KiwiSaver scheme fund managed by Fundrock within the INVESTNOW KIWISAVER SCHEME. The fund holds 34 percent in growth assets and 66 percent in income assets, positioning it toward capital preservation with modest income generation. This allocation reflects a conservative approach within the scheme's fund range.
Over the five-year period to 31 March 2026, the fund delivered a 0.00 percent average annual return. The annual fee is 0.98 percent, which sits above the peer-median fee of 0.85 percent for conservative scheme funds. The fund currently holds $8.7 million in assets across 536 members. Past performance is not a reliable indicator of future returns.
On the FMA risk indicator scale, this fund sits at 4 out of 7, placing it in the lower-to-moderate risk range. Conservative scheme funds with this risk profile are typically considered suitable for members with shorter investment timeframes or lower risk tolerance. Past performance is not a reliable indicator of future returns.
Holdings
As of 2026-03-31 Investnow Mint Diversified Income Fund reports an asset mix of 34% growth assets (shares, listed property, alternatives) and 66% income assets (cash, bonds, fixed interest). This split is typical for a conservative fund. The full asset-mix breakdown including overseas vs domestic and listed vs unlisted exposure appears in the asset-allocation chart below.
Performance
Investnow Mint Diversified Income Fund has 13 quarters of QFU data on file (2021-03-31 to 2026-03-31). The 5-year average annual return reported in the most recent QFU is 1.35%. Past performance is not a reliable indicator of future returns.
Fees
At 0.98% in annual charges, Investnow Mint Diversified Income Fund's fee sits 0.13 percentage points above the median for Conservative KiwiSaver scheme funds in our coverage (median 0.85%). 31 of the 45 funds in this cohort charge a lower annual fee (this fund ranks 32 cheapest of 45). Fee level is a mechanical signal — does not factor in returns, risk, or manager skill.
Risk and suitability
Investnow Mint Diversified Income 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
1.35%
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 Conservative KiwiSaver scheme fund (light green).
1.35% for this fund — category median 2.34% across 35 Conservative KiwiSaver scheme funds at 31 March 2026. This fund ranks 35 of 35 (0th percentile) by five-year after-fee return.
Past performance is not an indicator of future performance.
Fees
0.98%
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 Conservative 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 forconservative KiwiSaver scheme funds is shown in light blue.
Key Takeaways
Here’s the provider’s overview of the managed fund:
“ Provides exposure to a diversified fund that invests across a number of asset classes both in New Zealand and internationally. These include cash, fixed interest, and equities ”
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 Conservative 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 200.00% of this fund.
| Asset | Asset Class | Type | Country | % of Fund | |
|---|---|---|---|---|---|
 | Mint Diversified Income Fund | 100.00 | |||
 | The top 10 investments make up | 100.00 |
Top-10 holdings changes
31 Dec 2025 → 31 Mar 2026
None this quarter.
None this quarter.
None this quarter.
None this quarter.
Fees
0.98%
This Fund
0.83%
Average Conservative 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 Conservative 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 | 0.98% | — |
Returns
1.35%
This Fund
2.36%
Average Conservative 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 Conservative 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 | $8720614 |
| 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
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Identifiers
- FMA fund code
- FND20544
- FSP number
- FSP127464
- NZBN
- 9429031398602
- Provider
- Fundrock
- Scheme
- INVESTNOW KIWISAVER SCHEME
Endpoints for Investnow Mint Diversified Income Fund
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