Learn about your investment options
The Plan offers a choice of investments: the Short Term Fund, the Medium Term Fund and the Long Term Fund. You can choose to invest your account balances (the money you have in your accounts now) in any of the three funds – or a mix. If you like, you can choose a different fund or funds for your future contributions (the money contributed to your accounts in future).
Which option is best for you?
This depends on your personal circumstances. As a general rule, the closer you are to retirement, the less risk you will want to take on board. That’s because you have less time to ride out the highs and lows associated with returns from growth assets. When you make your choice, think about when you are likely to need to access your savings. (The names of the funds give an indication of the timeframes they are considered most suitable for.) It also pays to think about whether you’re comfortable accepting a higher level of risk in the hope your savings will grow more strongly over time. If you don’t like the idea of negative returns, you might be more comfortable in the Short Term Fund, even if you are likely to invest for a long time.
Our risk profiler is a good place to start if you’re not sure which fund or mix of funds to choose. Just answer 5 simple questions and the profiler will match your answers to the most appropriate fund(s). Get help to choose a fund. We've also put together a brochure to help New Zealand Post staff who are members of the Super Plan and/or KiwiSaver understand their investment choices. It's called How to pick a fund.