{"id":16,"date":"2017-07-31T12:44:27","date_gmt":"2017-07-31T00:44:27","guid":{"rendered":"http:\/\/milford.wpengine.com\/?page_id=16"},"modified":"2025-11-26T09:42:53","modified_gmt":"2025-11-25T20:42:53","slug":"kiwisaver","status":"publish","type":"page","link":"https:\/\/milfordasset.com\/what-we-offer\/kiwisaver","title":{"rendered":"KiwiSaver"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"16\" class=\"elementor elementor-16\" data-elementor-post-type=\"page\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-1c0e2dc6 e-flex e-con-boxed e-con e-parent\" data-id=\"1c0e2dc6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-6dad47de e-con-full e-flex e-con e-child\" data-id=\"6dad47de\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53ee992f elementor-widget elementor-widget-heading\" data-id=\"53ee992f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Choose an award-winning KiwiSaver Provider<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-768cd6ae elementor-widget elementor-widget-text-editor\" data-id=\"768cd6ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tOur team invest their own money right alongside yours, so you know we&#8217;re truly invested in your success.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3003710c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3003710c\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">We are a New Zealand company<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Our Funds are actively managed by our team of experts <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Join or change your KiwiSaver account in minutes<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-3e1615b e-con-full e-flex e-con e-child\" data-id=\"3e1615b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29851d elementor-widget elementor-widget-button\" data-id=\"29851d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/kiwisaver.milfordasset.com\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Join or change now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab0b40 elementor-widget elementor-widget-button\" data-id=\"2ab0b40\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/milfordasset.com\/investors-under-18\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Join or change now (under 18)<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fcb4cd8 elementor-widget elementor-widget-image\" data-id=\"4fcb4cd8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/milfordasset.com\/about-us\/awards\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"763\" height=\"138\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2025\/09\/Milford-Awards-2025-canstars.png\" class=\"attachment-full size-full wp-image-47954\" alt=\"Milford Awards\" srcset=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2025\/09\/Milford-Awards-2025-canstars.png 763w, https:\/\/milfordasset.com\/wp-content\/uploads\/2025\/09\/Milford-Awards-2025-canstars-300x54.png 300w\" sizes=\"(max-width: 763px) 100vw, 763px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-263f975 e-flex e-con-boxed e-con e-parent\" data-id=\"263f975\" data-element_type=\"container\" id=\"morningstar\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-5b7740b6 e-flex e-con-boxed e-con e-child\" data-id=\"5b7740b6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-500caf6d e-flex e-con-boxed e-con e-child\" data-id=\"500caf6d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d4433b9 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3d4433b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our KiwiSaver Plan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-396fdf9 elementor-widget__width-initial elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"396fdf9\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">has delivered #1 returns<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-5c8c9f2d e-flex e-con-boxed e-con e-child\" data-id=\"5c8c9f2d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-16c72016 e-flex e-con-boxed e-con e-child\" data-id=\"16c72016\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23094760 elementor-widget elementor-widget-text-editor\" data-id=\"23094760\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Our strong investment performance comes down to our strong team<\/strong>; Our expert active Investment Team is constantly adjusting your investment based on potential risk and potential opportunities. We do our own detailed research and our team invests their own money in the Milford Funds right alongside yours \u2013 so you can take comfort knowing your KiwiSaver money will get the care and attention it deserves.<\/p><p>The graph shows three of our Funds outperforming other KiwiSaver providers in the Morningstar Survey over the last decade. To see how our performance compares to others in the latest Morningstar Quarterly KiwiSaver Survey <a href=\"https:\/\/milfordasset.com\/Morningstar-KiwiSaver-Quarterly-Survey\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e242c59 elementor-widget elementor-widget-text-editor\" data-id=\"1e242c59\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Past performance is not a reliable indicator of future performance. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan. Please read the Milford KiwiSaver Plan Product Disclosure Statement <a href=\"https:\/\/milfordasset.com\/ks-pds\" target=\"_blank\" rel=\"noopener\">here<\/a>. Before investing, you may wish to seek financial advice. For more information about our financial advice services, please visit <a href=\"https:\/\/milfordasset.com\/getting-advice\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-5f671741 e-flex e-con-boxed e-con e-child\" data-id=\"5f671741\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea62566 elementor-widget elementor-widget-image\" data-id=\"3ea62566\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/milfordasset.com\/Morningstar-KiwiSaver-Quarterly-Survey\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1293\" height=\"1920\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2025\/11\/J007736-MorningstarGraph-Sep2025-490x728px-FA.png\" class=\"attachment-full size-full wp-image-49210\" alt=\"\" srcset=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2025\/11\/J007736-MorningstarGraph-Sep2025-490x728px-FA.png 1293w, https:\/\/milfordasset.com\/wp-content\/uploads\/2025\/11\/J007736-MorningstarGraph-Sep2025-490x728px-FA-202x300.png 202w, https:\/\/milfordasset.com\/wp-content\/uploads\/2025\/11\/J007736-MorningstarGraph-Sep2025-490x728px-FA-690x1024.png 690w, https:\/\/milfordasset.com\/wp-content\/uploads\/2025\/11\/J007736-MorningstarGraph-Sep2025-490x728px-FA-768x1140.png 768w, https:\/\/milfordasset.com\/wp-content\/uploads\/2025\/11\/J007736-MorningstarGraph-Sep2025-490x728px-FA-1034x1536.png 1034w\" sizes=\"(max-width: 1293px) 100vw, 1293px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-567e8ced e-flex e-con-boxed e-con e-parent\" data-id=\"567e8ced\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-414cd3af e-con-full e-flex e-con e-child\" data-id=\"414cd3af\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be05f46 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"be05f46\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ready to join or change your KiwiSaver provider?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-345068b7 elementor-widget__width-initial elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"345068b7\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Here is what you need to get started<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-640bc3ea e-flex e-con-boxed e-con e-child\" data-id=\"640bc3ea\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-11c1c206 e-flex e-con-boxed e-con e-child\" data-id=\"11c1c206\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c5d302e elementor-widget elementor-widget-image\" data-id=\"7c5d302e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"641\" height=\"641\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-driver-licence-icon.png\" class=\"attachment-full size-full wp-image-38764\" alt=\"\" srcset=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-driver-licence-icon.png 641w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-driver-licence-icon-300x300.png 300w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-driver-licence-icon-150x150.png 150w\" sizes=\"(max-width: 641px) 100vw, 641px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4dd26f85 elementor-widget elementor-widget-text-editor\" data-id=\"4dd26f85\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tYour Driver Licence\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c46f86e elementor-widget elementor-widget-text-editor\" data-id=\"c46f86e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tWe don\u2019t need to see the photo of you from 6 years ago, but we do need you to triple check that the name you give us matches what\u2019s on your licence.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-6c765825 e-flex e-con-boxed e-con e-child\" data-id=\"6c765825\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c454c28 elementor-widget elementor-widget-image\" data-id=\"4c454c28\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"641\" height=\"641\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-passport-icon.png\" class=\"attachment-full size-full wp-image-38763\" alt=\"\" srcset=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-passport-icon.png 641w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-passport-icon-300x300.png 300w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-passport-icon-150x150.png 150w\" sizes=\"(max-width: 641px) 100vw, 641px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb53c07 elementor-widget elementor-widget-text-editor\" data-id=\"5bb53c07\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tYour Passport\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef3bf0d elementor-widget elementor-widget-text-editor\" data-id=\"ef3bf0d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tNo Driver Licence? Your passport will do just fine. Please triple check that the name you give us matches what\u2019s on your passport.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-51e4051b e-flex e-con-boxed e-con e-child\" data-id=\"51e4051b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3989ad elementor-widget elementor-widget-image\" data-id=\"2e3989ad\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"641\" height=\"641\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-ird-icon.png\" class=\"attachment-full size-full wp-image-38762\" alt=\"\" srcset=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-ird-icon.png 641w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-ird-icon-300x300.png 300w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-ird-icon-150x150.png 150w\" sizes=\"(max-width: 641px) 100vw, 641px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cdf8bbb elementor-widget elementor-widget-text-editor\" data-id=\"2cdf8bbb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIRD Number\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-667a25b0 elementor-widget elementor-widget-text-editor\" data-id=\"667a25b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tArgh this darn thing! Don\u2019t worry, you don\u2019t need to ring IRD just have a look on your latest payslip.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-55810cfb e-flex e-con-boxed e-con e-child\" data-id=\"55810cfb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6816d231 elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6816d231\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/kiwisaver.milfordasset.com\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Join or switch now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b8b8c62 elementor-widget__width-auto elementor-widget elementor-widget-text-editor\" data-id=\"5b8b8c62\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Not feeling ready? Read on or try our <a href=\"https:\/\/milfordasset.com\/digital-advice-tools\" target=\"_blank\" rel=\"noopener\">Digital Advice Tool<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-74f24c8 e-flex e-con-boxed e-con e-parent\" data-id=\"74f24c8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-54d99c11 e-flex e-con-boxed e-con e-child\" data-id=\"54d99c11\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-6e087b4b e-con-full e-flex e-con e-child\" data-id=\"6e087b4b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb3d624 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1bb3d624\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hear stories from<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15e29242 elementor-widget__width-initial elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"15e29242\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">people like you<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-33f0422e e-flex e-con-boxed e-con e-child\" data-id=\"33f0422e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-748c9d19 elementor-widget elementor-widget-heading\" data-id=\"748c9d19\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hear some of the stories from people just like you who are figuring out their investment journeys.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-5aac9e34 e-flex e-con-boxed e-con e-child\" data-id=\"5aac9e34\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-cb5897f e-flex e-con-boxed e-con e-child\" data-id=\"cb5897f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d095d68 e-transform elementor-widget elementor-widget-image\" data-id=\"2d095d68\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:-10,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjM1MjAwIiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"388\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Video-1-1.png\" class=\"attachment-large size-large wp-image-38772\" alt=\"\" srcset=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Video-1-1.png 959w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Video-1-1-300x182.png 300w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Video-1-1-768x466.png 768w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-19451edf e-flex e-con-boxed e-con e-child\" data-id=\"19451edf\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61360963 e-transform elementor-widget elementor-widget-image\" data-id=\"61360963\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:-10,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjM3NzU1IiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"388\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Video-2-1.png\" class=\"attachment-large size-large wp-image-38773\" alt=\"\" srcset=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Video-2-1.png 959w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Video-2-1-300x182.png 300w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Video-2-1-768x466.png 768w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-32501cdf e-flex e-con-boxed e-con e-child\" data-id=\"32501cdf\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c22c08e e-transform elementor-widget elementor-widget-image\" data-id=\"3c22c08e\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:-10,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjM1MTk2IiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"388\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Video-3-2.png\" class=\"attachment-large size-large wp-image-38774\" alt=\"\" srcset=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Video-3-2.png 959w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Video-3-2-300x182.png 300w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Video-3-2-768x466.png 768w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-23e0c682 e-flex e-con-boxed e-con e-parent\" data-id=\"23e0c682\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-3b6e057a e-flex e-con-boxed e-con e-child\" data-id=\"3b6e057a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a175797 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5a175797\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Use the Milford app or web portal<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56ddfc13 elementor-widget__width-initial elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"56ddfc13\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">to track your KiwiSaver investment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-6af8eed6 e-con-full e-flex e-con e-child\" data-id=\"6af8eed6\" data-element_type=\"container\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-463c3a6f e-con-full e-flex e-con e-child\" data-id=\"463c3a6f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bf12fc3 elementor-widget elementor-widget-image\" data-id=\"1bf12fc3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"901\" height=\"1051\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/couple-checking-their-milford-kiwisaver-balance.png\" class=\"attachment-full size-full wp-image-38784\" alt=\"Couple checking their Milford KiwiSaver balance\" srcset=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/couple-checking-their-milford-kiwisaver-balance.png 901w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/couple-checking-their-milford-kiwisaver-balance-257x300.png 257w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/couple-checking-their-milford-kiwisaver-balance-878x1024.png 878w, https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/couple-checking-their-milford-kiwisaver-balance-768x896.png 768w\" sizes=\"(max-width: 901px) 100vw, 901px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-9b482ed e-con-full e-flex e-con e-child\" data-id=\"9b482ed\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a9a6ecd elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"6a9a6ecd\" data-element_type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;3&quot;,&quot;navigation&quot;:&quot;dots&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:20,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Image Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 6\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Milford-mobile-app-1.png\" alt=\"KiwiSaver Investment Balance in Milford app\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 6\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Milford-mobile-app-2.png\" alt=\"Historic KiwiSaver performance in Milford app\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 6\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Milford-mobile-app-3.png\" alt=\"KiwiSaver Asset Valuation in Milford App\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 6\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Milford-mobile-app-4.png\" alt=\"KiwiSaver Asset Allocation in Milford App\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 of 6\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Milford-mobile-app-5.png\" alt=\"KiwiSaver Asset Top Securities in Milford App\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"6 of 6\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/Milford-mobile-app-6.png\" alt=\"Self-service in Milford App\" \/><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-68522b5f e-flex e-con-boxed e-con e-parent\" data-id=\"68522b5f\" data-element_type=\"container\" id=\"choose\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-2fe6fcd8 e-flex e-con-boxed e-con e-child\" data-id=\"2fe6fcd8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d80ff57 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3d80ff57\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What to consider when<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd12bd elementor-widget__width-initial elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"fd12bd\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">choosing a KiwiSaver Fund<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-2fca0c5e e-con-full e-flex e-con e-child\" data-id=\"2fca0c5e\" data-element_type=\"container\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-7bd5cb9a e-flex e-con-boxed e-con e-child\" data-id=\"7bd5cb9a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14b5882a elementor-position-left elementor-position-top elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"14b5882a\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"151\" height=\"151\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-goal-icon.png\" class=\"attachment-full size-full wp-image-38816\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Your goals<\/h3><p class=\"elementor-image-box-description\">Identifying you goal should be your first step - will you use your KiwiSaver savings for your first home or for retirement? Deciding on your goal will help narrow down your Fund choice.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-5ee30a0 e-flex e-con-boxed e-con e-child\" data-id=\"5ee30a0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2937d256 elementor-position-left elementor-position-top elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"2937d256\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"151\" height=\"135\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-risk-tolerance-icon.png\" class=\"attachment-full size-full wp-image-38823\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Your risk profile<\/h3><p class=\"elementor-image-box-description\">The next thing worth considering is your tolerance for risk. This is often referred to as your \u2018risk profile\u2019. Investments can go up and down in value so, it\u2019s important to consider how much risk you\u2019re comfortable with, taking into account your goal and your timeframe.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-114e576b e-con-full e-flex e-con e-child\" data-id=\"114e576b\" data-element_type=\"container\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-4b961f1f e-flex e-con-boxed e-con e-child\" data-id=\"4b961f1f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78d1754d elementor-position-left elementor-position-top elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"78d1754d\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"151\" height=\"151\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-timeframe-icon.png\" class=\"attachment-full size-full wp-image-38824\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Your timeframe<\/h3><p class=\"elementor-image-box-description\">Once you know your goal, you can work out your investment timeframe. This is the amount of time you plan to keep your money in KiwiSaver before you withdraw it for a home or for retirement.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-63b4216c e-con-full e-flex e-con e-child\" data-id=\"63b4216c\" data-element_type=\"container\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-fc75bb4 e-con-full e-flex e-con e-child\" data-id=\"fc75bb4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a4913d4 elementor-widget elementor-widget-text-editor\" data-id=\"2a4913d4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-38831\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-megaphone-icon.png\" alt=\"\" width=\"40\" height=\"25\" \/><strong>TOP TIP:<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cec2f89 elementor-widget elementor-widget-text-editor\" data-id=\"cec2f89\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tTry our handy slider tool below to learn more about choosing the right Fund for your risk profile.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-458eb803 e-flex e-con-boxed e-con e-parent\" data-id=\"458eb803\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-5dc1c2ff e-flex e-con-boxed e-con e-child\" data-id=\"5dc1c2ff\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3114fbd0 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3114fbd0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Choosing the right<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c008ab2 elementor-widget__width-initial elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"1c008ab2\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">KiwiSaver Fund to suit you<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-7ed52203 e-flex e-con-boxed e-con e-child\" data-id=\"7ed52203\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-134461bc e-flex e-con-boxed e-con e-child\" data-id=\"134461bc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3da91ae3 elementor-widget elementor-widget-heading\" data-id=\"3da91ae3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Now you've considered your goal, your investment timeframe and your risk profile, it\u2019s time to choose a KiwiSaver Fund, or Fund Mix.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d00cd4a elementor-widget elementor-widget-text-editor\" data-id=\"6d00cd4a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lower-risk Funds are those that are less likely to fluctuate up and down over a period of market volatility. That means less risk of loss, but also lower returns in the long run.<\/p><p>Higher-risk Funds are more likely to have bigger drops in value (than low-risk Funds) during periods of market volatility. But they&#8217;re also more likely to produce higher returns over the long run.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-361ba52a e-con-full e-flex e-con e-child\" data-id=\"361ba52a\" data-element_type=\"container\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-67d60f9f e-con-full e-flex e-con e-child\" data-id=\"67d60f9f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6920501f elementor-widget elementor-widget-text-editor\" data-id=\"6920501f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-38831\" src=\"https:\/\/milfordasset.com\/wp-content\/uploads\/2024\/05\/milford-megaphone-icon.png\" alt=\"\" width=\"40\" height=\"25\" \/><strong>TOP TIP:<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73ab0fb4 elementor-widget elementor-widget-text-editor\" data-id=\"73ab0fb4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIdentify your goals with our online tools, then compare our KiwiSaver Funds to see which suits you\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6637a8db elementor-widget elementor-widget-button\" data-id=\"6637a8db\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/milfordasset.com\/digital-advice-tools\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Digital Advice Tool<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-6a0baf46 e-flex e-con-boxed e-con e-child\" data-id=\"6a0baf46\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b345a4 elementor-widget elementor-widget-shortcode\" data-id=\"6b345a4\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t<div class=\"funds-risk-widget kiwisaver\">\n\t\t<div class=\"risk-chart-slider\">\n\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col-md-4\">\n\t\t\t\t\t<div class=\"fund-risk-chart\">\n\t\t\t\t\t\t<canvas id=\"kiwisaver-chart\" class=\"doughnut-chart\" style=\"width: 164px; height: 164px;\"><\/canvas>\n\t\t\t\t\t\t<div class=\"risk-indicators d-none\"><span class=\"high\">High: <b id=\"kiwisaver-high\">1<\/b><\/span><span class=\"low\">Low: <b id=\"kiwisaver-low\">6<\/b><\/span><\/div>\n\t\t\t\t\t\t<div id=\"ksri\" class=\"risk-indicator\">Risk Indicator <span>1<\/span><\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"irl\">Illustrative Risk Level<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"col-md-8\">\n\t\t\t\t\t<div class=\"fund-risk-slider\">\n\t\t\t\t\t\t<div class=\"ruler-wrapper\">\n\t\t\t\t\t\t\t<div class=\"ruler\"><\/div>\n\t\t\t\t\t\t\t<input type=\"range\" orient=\"vertical\" min=\"1\" max=\"7\" id=\"kiwisaver-risk-slider\" value=\"1\" \/>\n\t\t\t\t\t\t\t<div class=\"numbers\"><span class=\"no1\">1<\/span><span class=\"no2\">2<\/span><span class=\"no3\">3<\/span><span class=\"no4\">4<\/span><span class=\"no5\">5<\/span><span class=\"no6\">6<\/span><span class=\"no7\">7<\/span><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"slider-indicators\"><span class=\"low\">Potentially lower returns<\/span><span class=\"high\">Potentially higher returns<\/span><\/div>\n\t\t\t\t\t\t<div class=\"d-flex\" style=\"margin-top: 10px; font-size: 12px;\">Our Risk Levels are 1 (lower potential risk) to 7 (higher potential risk) in alignment with our Quarterly Fund Update.<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"risk-funds\">\n\t\t\t<ul class=\"nav nav-tabs\" role=\"tablist w-50\">\n\t\t\t\t<li role=\"presentation\" class=\"active nav-item\"><a class=\"nav-link active w-100 text-center\" data-target=\"#milford-kiwisaver-funds\" aria-controls=\"milford-kiwisaver-funds\" role=\"tab\" data-toggle=\"tab\" data-min=\"1\" data-max=\"7\">Milford KiwiSaver Funds<\/a><\/li>\n\t\t\t<\/ul>\n\n\t\t\t<div class=\"tab-content\">\n\t\t\t\t<div role=\"tabpanel\" class=\"tab-pane active\" id=\"milford-kiwisaver-funds\">\n\t\t\t\t\t<ul class=\"\">\n\t\t\t\t\t\t<li><a class=\"active\" href=\"https:\/\/milfordasset.com\/funds-performance\/kiwisaver-cash-fund\" data-risk=\"1\" data-low=\"6\">KiwiSaver Cash Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t\t<li><a href=\"https:\/\/milfordasset.com\/funds-performance\/kiwisaver-conservative-fund\" data-risk=\"3\" data-low=\"4\">KiwiSaver Conservative Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t\t<li><a href=\"https:\/\/milfordasset.com\/funds-performance\/kiwisaver-moderate-fund\" data-risk=\"3\" data-low=\"3\">KiwiSaver Moderate Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t\t<li><a href=\"https:\/\/milfordasset.com\/funds-performance\/kiwisaver-balanced-fund\" data-risk=\"4\" data-low=\"3\">KiwiSaver Balanced Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t\t<li><a href=\"https:\/\/milfordasset.com\/funds-performance\/kiwisaver-active-growth-fund\" data-risk=\"4\" data-low=\"2\">KiwiSaver Active Growth Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t\t<li><a href=\"https:\/\/milfordasset.com\/funds-performance\/kiwisaver-aggressive-fund\" data-risk=\"5\" data-low=\"2\">KiwiSaver Aggressive Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t<style>\n\t\t.risk-funds .nav.nav-tabs { \n\t\t\tdisplay: flex; \n\t\t} \n\t\t.risk-funds .nav.nav-tabs .nav-item { \n\t\t\tflex: 0 0 50%; \n\t\t\tmax-width: 50%; \n\t\t} \n\t\t.risk-funds .nav.nav-tabs .nav-link { \n\t\t\tdisplay: block; \n\t\t\twidth: 100%; \n\t\t\ttext-align: center; \n\t\t\tpadding: 0.75rem 0.5rem; \n\t\t}\n\n\t\t.row {\n\t\t\t--bs-gutter-x: 30px;\n\t\t}\n\t<\/style>\n\t<script>\n\t\tjQuery(document).ready(function($) {\n\t\t\tkiwisaverChartUpdate(6, 1);\n\n\t\t\t$('#kiwisaver-risk-slider').on('change', function(e){\n\t\t\t\tvar risk = $(this).val();\n\t\t\t\tvar min  = $(this).attr('min');\n\t\t\t\trisk = parseInt(risk);\n\t\t\t\tmin  = parseInt(min);\n\n\t\t\t\trest = parseInt(7-risk);\n\n\t\t\t\tkiwisaverChartUpdate(rest, risk);\n\n\t\t\t\t$('.funds-risk-widget.kiwisaver .risk-funds .tab-content ul a').removeClass('active');\n\n\t\t\t\t$('.funds-risk-widget.kiwisaver .risk-funds .tab-content ul').find(`[data-risk='${risk}']`).addClass('active');\n\n\t\t\t\t$('#kiwisaver-high, #ksri span').html(risk);\n\t\t\t\t$('#kiwisaver-low').html(rest);\n\t\t\t});\n\n\t\t\t$('.funds-risk-widget.kiwisaver .risk-funds .tab-content ul li a').mouseenter(function() {\n\t\t\t\tvar riskValue = parseInt($(this).data('risk'));\n\t\t\t\tvar lowValue  = parseInt($(this).data('low'));\n\n\t\t\t\t$('.funds-risk-widget.kiwisaver .risk-funds .tab-content ul li a').removeClass('active');\n\n\t\t\t\tdocument.getElementById('kiwisaver-risk-slider').value = parseInt($(this).data('risk'));\n\t\t\t\tkiwisaverChartUpdate(lowValue, riskValue);\n\n\t\t\t\t$('#kiwisaver-high, #ksri span').html(riskValue);\n\t\t\t\t$('#kiwisaver-low').html(lowValue);\n\t\t\t});\n\t\t});\n\n\t\tfunction kiwisaverChartUpdate (riskValue, lowValue) {\n\n\t\t\tvar ctx = document.getElementById('kiwisaver-chart');\n\n\t\t\tvar myDoughnutChart = new Chart(ctx, {\n\t\t\t\ttype: 'doughnut',\n\t\t\t\t\tdata: {\n\t\t\t\t\t\tdatasets: [{\n\t\t\t\t\t\t\tborderWidth:0,\n\t\t\t\t\t\t\tdata: [riskValue,lowValue],\n\t\t\t\t\t\t\tbackgroundColor: [\n\t\t\t\t\t\t\t'rgb(186, 224, 243)',\n\t\t\t\t\t\t\t'rgb(225, 105, 14)'\n\t\t\t\t\t\t\t]\n\t\t\t\t\t\t}],\n\t\t\t\t\t\tlabels: [\n\t\t\t\t\t\t\t'Low',\n\t\t\t\t\t\t\t'High',\n\t\t\t\t\t\t]\n\t\t\t\t\t},\n\t\t\t\toptions: {\n\t\t\t\t\tlegend: {\n\t\t\t\t\t\tdisplay: false\n\t\t\t\t\t},\n\t\t\t\t\tcutoutPercentage: 70,\n\t\t\t\t\tplugins: {\n\t\t\t\t\tdoughnutlabel: {\n\t\t\t\t\t\tlabels: [\n\t\t\t\t\t\t{\n\t\t\t\t\t\t\ttext: 'Risk',\n\t\t\t\t\t\t\tfont: {\n\t\t\t\t\t\t\tsize: '18',\n\t\t\t\t\t\t\tweight: 'bold'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tcolor: '#303c42'\n\t\t\t\t\t\t},\n\t\t\t\t\t\t{\n\t\t\t\t\t\t\ttext: 'Level',\n\t\t\t\t\t\t\tfont: {\n\t\t\t\t\t\t\tsize: '18',\n\t\t\t\t\t\t\tweight: 'bold'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tcolor: '#303c42'\n\t\t\t\t\t\t}\n\t\t\t\t\t\t]\n\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t}\n\t\t\t});\n\t\t}\n\t<\/script>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51c99ae1 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-shortcode\" data-id=\"51c99ae1\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n\t<style>\n\t\t.risk-funds ul.nav.nav-tabs {\n\t\t\tmargin: 0;\n\t\t}\n\t\t@media screen and ( max-width: 768px ) {\n\t\t\t.risk-funds ul.nav.nav-tabs .nav-item {\n\t\t\t\twidth: 50%;\n\t\t\t}\n\t\t\t.risk-funds ul.nav.nav-tabs .nav-link {\n\t\t\t\tpadding-right: 0.5rem;\n\t\t\t\tpadding-left: 0.5rem;\n\t\t\t\ttext-align: center;\n\t\t\t}\n\n\t\t\t.risk-funds ul.nav.nav-tabs .nav-link.active {\n\t\t\t\tpadding-right: 0px;\n\t\t\t\tpadding-left: 0px;\n\t\t\t}\n\t\t    \n\t\t\t.risk-funds .tab-content .tab-pane .funds li a {\n\t\t\t\tdisplay: block;\n\t\t\t}\n\t\t\t.risk-funds .tab-content .tab-pane .funds li a i {\n\t\t\t\tposition: absolute;\n\t\t\t\ttop: 50%;\n\t\t\t\tright: 0;\n\t\t\t\tmargin-top: -9px;\n\t\t\t}\n\t\t}\n\t\t.nav .nav-link:hover, .nav .nav-link:focus {\n\t\t\ttext-decoration: none;\n\t\t\tbackground-color: transparent;\n\t\t}\n\t\t.nav-tabs .nav-link,\n\t\t.nav-tabs .nav-link:hover {\n\t\t\tmargin-right: 2px;\n\t\t\tline-height: 1.42857143;\n\t\t\tborder: 1px solid transparent;\n\t\t\tborder-radius: 4px 4px 0 0;\n\t\t\tcolor: #303c42;\n\t\t\tfont-family: \"Montserrat\";\n\t\t\tfont-size: 18px;\n\t\t\tcursor: pointer;\n\t\t\tbackground: transparent;\n\t\t}\n\t\t.nav-tabs .nav-link.active,\n\t\t.nav-tabs .nav-link.active:hover,\n\t\t.nav-tabs .nav-link.active:focus {\n\t\t\tcolor: #555;\n\t\t\tbackground-color: transparent;\n\t\t\tborder-top: 0px;\n\t\t\tborder-left: 0px;\n\t\t\tborder-right:0px;\n\t\t\tborder-bottom: 6px solid #4bc864;\n\t\t\tborder-bottom-color: #4bc864;\n\t\t\tcursor: default;\n\t\t\tfont-weight: 600;\n\t\t\tcolor: #4bc864;\n\t\t\tfont-family: \"Montserrat\";\n\t\t\tfont-size: 18px;\n\t\t}\n\t\t\n\t\tbutton.nav-link { border-top-style:none!important; border-right-style:none!important; border-left-style:none!important; } \n\t\t\n\t\tul.funds li {\n\t\t\tpadding-left: 10px;\n\t\t\tlist-style: none;\n\t\t\tposition: relative;\n\t\t}\n\t\tul.funds li:before {\n\t\t\tposition: absolute;\n\t\t\ttop: 50%;\n\t\t\tleft: 0;\n\t\t\tmargin-top: -4px;\n\t\t\tcontent: \"\\f111\";\n\t\t\tfont-size: 8px;\n\t\t\tfont-family: \"Font Awesome 5 Free\";\n\t\t\tfont-weight: 900;\n\t\t\tline-height: 1;\n\t\t}\n\t\tul.funds li a {\n\t\t\tpadding: 10px 40px 10px 10px;\n\t\t\tcolor: #303c42;\n\t\t\tfont-size: 18px;\n\t\t\tfont-family: \"Montserrat\";\n\t\t\tfont-weight: 600;\n\t\t\tline-height: 23px;\n\t\t\tdisplay: inline-block;\n\t\t}\n\t\tul.funds li a:hover,\n\t\tul.funds li a.active {\n\t\t\tcolor: #4bc864;\n\t\t\tfont-size: 18px;\n\t\t\tfont-family: \"Montserrat\";\n\t\t\tfont-weight: 600;\n\t\t}\n\t\tul.funds li i {\n\t\t\tmargin-left: 10px;\n\t\t}\n\t\tspan.low {\n\t\t\tcolor: #6d7278;\n\t\t}\n\t\tspan.high {\n\t\t\tcolor: #6d7278;\n\t\t}\n\t\tspan.low:before {\n\t\t\tcontent: \"\\2022\";\n\t\t\tcolor: #4bc864;\n\t\t\tfont-weight: bold;\n\t\t\tmargin-right: 5px;\n\t\t\tfont-size: 18px;\n\t\t}\n\t\tspan.high:before {\n\t\t\tcontent: \"\\2022\";\n\t\t\tcolor: #e36f1e;\n\t\t\tfont-weight: bold;\n\t\t\tmargin-right: 5px;\n\t\t\tfont-size: 18px;\n\t\t}\n\t\t@media screen and ( min-width: 768px ) {\n\t\t\t.risk-chart-slider .row {\n\t\t\t\tdisplay: flex;\n\t\t\t\talign-items: center;\n\t\t\t}\n\t\t}\n\t\t.risk-chart-slider .fund-risk-chart,\n\t\t.risk-chart-slider .fund-risk-slider {\n\t\t\tpadding: 15px 0;\n\t\t}\n\t\t.risk-chart-slider .fund-risk-chart {\n\t\t\tmargin: 0 auto;\n\t\t\twidth: 164px;\n\t\t\theight: 164px;\n\t\t}\n\t\t.fund-risk-chart {\n\t\t\tposition: relative;\n\t\t}\n\t\t.risk-indicator {\n\t\t\tposition: absolute;\n\t\t\ttop: 15px;\n\t\t\tright: 0;\n\t\t\tleft: 0;\n\t\t\theight: 164px;\n\t\t\tpadding-top: 30px;\n\t\t\tfont-weight: bold;\n\t\t\tdisplay: none;\n\t\t\tjustify-content: center;\n\t\t}\n\t\t.risk-indicator span {\n\t\t\tmargin-left: 5px;\n\t\t}\n\t\t.fund-risk-chart:hover .risk-indicator {\n\t\t\tdisplay: flex;\n\t\t}\n\t\t.risk-indicators {\n\t\t\tmargin-top: 20px;\n\t\t\ttext-align: center;\n\t\t\tdisplay: none;\n\t\t}\n\t\t.risk-indicators span {\n\t\t\tpadding: 0 10px;\n\t\t}\n\t\t@media screen and ( max-width: 768px ) {\n\t\t\t.risk-indicators {\n\t\t\t\tdisplay: block;\n\t\t\t}\n\t\t}\n\t\t.irl {\n\t\t\tmargin: 30px 0 15px;\n\t\t\tpadding-left: 30px;\n\t\t\tposition: relative;\n\t\t\tdisplay: block;\n\t\t\tfont-weight: bold;\n\t\t\tline-height: 1;\n\t\t}\n\t\t.irl:before {\n\t\t\tposition: absolute;\n\t\t\tz-index: 9;\n\t\t\ttop: 50%;\n\t\t\tleft: 0;\n\t\t\tcontent: \"\";\n\t\t\tmargin-top: -5px;\n\t\t\twidth: 20px;\n\t\t\theight: 10px;\n\t\t\tbackground: #E1690E;\n\t\t}\n\t\t.risk-chart-slider .fund-risk-slider p {\n\t\t\tmargin-bottom: 7px;\n\t\t\tfont-size: 16px;\n\t\t\tline-height: 26px;\n\t\t}\n\t\t.risk-chart-slider .fund-risk-slider .slider-indicators {\n\t\t\tdisplay: flex;\n\t\t\tjustify-content: space-between;\n\t\t\tpadding: 0 3px;\n\t\t}\n\t\t.risk-chart-slider .fund-risk-slider .slider-indicators span {\n\t\t\tfont-family: Montserrat;\n\t\t\tfont-size: 12px;\n\t\t\tline-height: 15px;\n\t\t}\n\t\tinput#rangerisk {\n\t\t\tposition: relative;\n\t\t\tz-index: 1;\n\t\t\tpadding: 0;\n\t\t\tborder-bottom: 0px;\n\t\t}\n\t\tinput[type=range] {\n\t\t\theight: 31px;\n\t\t\t-webkit-appearance: none;\n\t\t\tmargin: 0;\n\t\t\twidth: 100%;\n\t\t\tborder-bottom:0px;\n\t\t}\n\t\tinput[type=range]:focus {\n\t\t\toutline: none;\n\t\t}\n\t\tinput[type=range]::-webkit-slider-runnable-track {\n\t\t\twidth: 100%;\n\t\t\theight: 3px;\n\t\t\tcursor: pointer;\n\t\t\tanimate: 0.2s;\n\t\t\tbox-shadow: 0px 0px 0px #303C42;\n\t\t\tbackground: #303C42;\n\t\t\tborder-radius: 0px;\n\t\t\tborder: 0px solid #303C42;\n\t\t}\n\t\tinput[type=range]::-webkit-slider-thumb {\n\t\t\tbox-shadow: 0px 0px 0px #303C42;\n\t\t\tborder: 0px solid #303C42;\n\t\t\theight: 16px;\n\t\t\twidth: 16px;\n\t\t\tborder-radius: 32px;\n\t\t\tbackground: #303C42;\n\t\t\tcursor: pointer;\n\t\t\t-webkit-appearance: none;\n\t\t\tmargin-top: -6px;\n\t\t}\n\t\tinput[type=range]:focus::-webkit-slider-runnable-track {\n\t\t\tbackground: #303C42;\n\t\t}\n\t\tinput[type=range]::-moz-range-track {\n\t\t\twidth: 100%;\n\t\t\theight: 3px;\n\t\t\tcursor: pointer;\n\t\t\tanimate: 0.2s;\n\t\t\tbox-shadow: 0px 0px 0px #303C42;\n\t\t\tbackground: #303C42;\n\t\t\tborder-radius: 0px;\n\t\t\tborder: 0px solid #303C42;\n\t\t}\n\t\tinput[type=range]::-moz-range-thumb {\n\t\t\tbox-shadow: 0px 0px 0px #303C42;\n\t\t\tborder: 0px solid #303C42;\n\t\t\theight: 16px;\n\t\t\twidth: 16px;\n\t\t\tborder-radius: 32px;\n\t\t\tbackground: #303C42;\n\t\t\tcursor: pointer;\n\t\t\tmargin-top: -6px;\n\t\t}\n\t\tinput[type=range]::-ms-track {\n\t\t\twidth: 100%;\n\t\t\theight: 3px;\n\t\t\tcursor: pointer;\n\t\t\tanimate: 0.2s;\n\t\t\tbackground: transparent;\n\t\t\tborder-color: transparent;\n\t\t\tcolor: transparent;\n\t\t}\n\t\tinput[type=range]::-ms-fill-lower {\n\t\t\tbackground: #303C42;\n\t\t\tborder: 0px solid #303C42;\n\t\t\tborder-radius: 0px;\n\t\t\tbox-shadow: 0px 0px 0px #303C42;\n\t\t}\n\t\tinput[type=range]::-ms-fill-upper {\n\t\t\tbackground: #303C42;\n\t\t\tborder: 0px solid #303C42;\n\t\t\tborder-radius: 0px;\n\t\t\tbox-shadow: 0px 0px 0px #303C42;\n\t\t}\n\t\tinput[type=range]::-ms-thumb {\n\t\t\tmargin-top: 1px;\n\t\t\tbox-shadow: 0px 0px 0px #303C42;\n\t\t\tborder: 0px solid #303C42;\n\t\t\theight: 16px;\n\t\t\twidth: 16px;\n\t\t\tborder-radius: 32px;\n\t\t\tbackground: #303C42;\n\t\t\tcursor: pointer;\n\t\t\tmargin-top: -6px;\n\t\t}\n\t\tinput[type=range]:focus::-ms-fill-lower {\n\t\t\tbackground: #303C42;\n\t\t}\n\t\tinput[type=range]:focus::-ms-fill-upper {\n\t\t\tbackground: #303C42;\n\t\t}\n\t\t.ruler-wrapper {\n\t\t\tposition: relative;\n\t\t}\n\t\t.ruler {\n\t\t\tposition: absolute;\n\t\t\ttop: 50%;\n\t\t\tright: 0;\n\t\t\tleft: 0;\n\t\t\tmargin-top: -5px;\n\t\t\theight: 10px;\n\t\t\twidth: 100%;\n\t\t\tborder-left: 1px solid #303C42;\n\t\t\tborder-right: 1px solid #303C42;\n\t\t\tbackground-repeat: no-repeat;\n\t\t\tbackground-size: 100% 2px, 2px 8px, 2px 8px, 2px 8px, 2px 8px, 2px 8px;\n\t\t\tbackground-image: linear-gradient(#303C42, #303C42), linear-gradient(#303C42, #303C42), linear-gradient(#303C42, #303C42), linear-gradient(#303C42, #303C42), linear-gradient(#303C42, #303C42), linear-gradient(#303C42, #303C42);\n\t\t\tbackground-position: 0% center, 16.6666% center, 33.3333% center, 50% center, 66.6666% center, 83.3333% center;\n\t\t}\n\t\t.ruler-wrapper .numbers {\n\t\t\tposition: absolute;\n\t\t\ttop: 20px;\n\t\t\tright: 0;\n\t\t\tleft: 0;\n\t\t\tfont-size: 12px;\n\t\t}\n\t\t.ruler-wrapper .numbers span {\n\t\t\tposition: absolute;\n\t\t\ttop: 0;\n\t\t\tmargin-left: -3px;\n\t\t}\n\t\t.ruler-wrapper .numbers span.no1 {\n\t\t\tleft: 0;\n\t\t}\n\t\t.ruler-wrapper .numbers span.no2 {\n\t\t\tleft: 16.6666%;\n\t\t}\n\t\t.ruler-wrapper .numbers span.no3 {\n\t\t\tleft: 33.3333%;\n\t\t}\n\t\t.ruler-wrapper .numbers span.no4 {\n\t\t\tleft: 50%;\n\t\t}\n\t\t.ruler-wrapper .numbers span.no5 {\n\t\t\tleft: 66.6666%;\n\t\t}\n\t\t.ruler-wrapper .numbers span.no6 {\n\t\t\tleft: 83.3333%;\n\t\t}\n\t\t.ruler-wrapper .numbers span.no7 {\n\t\t\tleft: 100%;\n\t\t}\n\t<\/style>\n\t<div class=\"risk-chart-slider\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-md-4\">\n\t\t\t\t<div class=\"fund-risk-chart\">\n\t\t\t\t\t<canvas id=\"myChart\" style=\"width: 164px; height: 164px;\"><\/canvas>\n\t\t\t\t\t<div class=\"risk-indicators d-none\"><span class=\"high\">High: <b id=\"high\">3<\/b><\/span><span class=\"low\">Low: <b id=\"low\">4<\/b><\/span><\/div>\n\t\t\t\t\t<div id=\"ifri\" class=\"risk-indicator\">Risk Indicator <span>3<\/span><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"irl\">Illustrative Risk Level<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-md-8\">\n\t\t\t\t<div class=\"fund-risk-slider\">\n\t\t\t\t\t<div class=\"ruler-wrapper\">\n\t\t\t\t\t\t<div class=\"ruler multi\"><\/div>\n\t\t\t\t\t\t<input type=\"range\" orient=\"vertical\" min=\"1\" max=\"7\" id=\"rangerisk\" value=\"3\" \/>\n\t\t\t\t\t\t<div class=\"numbers\"><span class=\"no1\">1<\/span><span class=\"no2\">2<\/span><span class=\"no3\">3<\/span><span class=\"no4\">4<\/span><span class=\"no5\">5<\/span><span class=\"no6\">6<\/span><span class=\"no7\">7<\/span><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"slider-indicators\"><span class=\"low\">Potentially lower returns<\/span><span class=\"high\">Potentially higher returns<\/span><\/div>\n\t\t\t\t\t<div class=\"d-flex\" style=\"margin-top: 10px; font-size: 12px;\">Our Risk Levels are 1 (lower potential risk) to 7 (higher potential risk) in alignment with our Quarterly Fund Update.<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"risk-funds\">\n\t\t<ul class=\"nav nav-tabs\" role=\"tablist\">\n\t\t\t<li class=\"nav-item\" role=\"presentation\">\n\t\t\t\t<button class=\"nav-link active\" id=\"tab-multi\" data-bs-toggle=\"tab\" data-bs-target=\"#multi\" type=\"button\" role=\"tab\" aria-controls=\"multi\" aria-selected=\"true\" data-min=\"1\" data-max=\"7\">Multi Strategy Funds<\/button>\n\t\t\t<\/li>\n\t\t\t<li class=\"nav-item\" role=\"presentation\">\n\t\t\t\t<button class=\"nav-link\" id=\"tab-single\" data-bs-toggle=\"tab\" data-bs-target=\"#single\" type=\"button\" role=\"tab\" aria-controls=\"single\" aria-selected=\"false\" data-min=\"1\" data-max=\"7\">Single Strategy Funds<\/button>\n\t\t\t<\/li>\n\t\t<\/ul>\n\n\t\t<div class=\"tab-content\">\n\t\t\t<div role=\"tabpanel\" class=\"tab-pane fade show active\" id=\"multi\" aria-labelledby=\"tab-multi\">\n\t\t\t\t<ul class=\"funds multi\">\n\t\t\t\t\t<li><a class=\"active\" href=\"\/funds-performance\/conservative-fund\" data-risk=\"3\" data-low=\"4\">Conservative Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t<li><a href=\"\/funds-performance\/diversified-income-fund\" data-risk=\"3\" data-low=\"3\">Diversified Income Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t<li><a href=\"\/funds-performance\/balanced-fund\" data-risk=\"4\" data-low=\"3\">Balanced Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t<li><a href=\"\/funds-performance\/active-growth-fund\" data-risk=\"4\" data-low=\"2\">Active Growth Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t<li><a href=\"\/funds-performance\/australian-absolute-growth-fund\" data-risk=\"4\" data-low=\"3\">Australian Absolute Growth Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t<li><a href=\"\/funds-performance\/aggressive-fund\" data-risk=\"5\" data-low=\"2\">Aggressive Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t\t<div role=\"tabpanel\" class=\"tab-pane fade\" id=\"single\" aria-labelledby=\"tab-single\">\n\t\t\t\t<ul class=\"funds single\">\n\t\t\t\t\t<li><a href=\"\/funds-performance\/cash-fund\" data-risk=\"1\" data-low=\"6\">Cash Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t<li><a href=\"\/funds-performance\/trans-tasman-bond-fund\" data-risk=\"3\" data-low=\"4\">Trans-Tasman Bond Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t<li><a href=\"\/funds-performance\/global-corporate-bond-fund\" data-risk=\"3\" data-low=\"4\">Global Corporate Bond Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t<li><a href=\"\/funds-performance\/global-equity-fund\" data-risk=\"5\" data-low=\"1\">Global Equity Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t<li><a href=\"\/funds-performance\/trans-tasman-equity-fund\" data-risk=\"5\" data-low=\"2\">Trans-Tasman Equity Fund <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t\t<li><a href=\"\/funds-performance\/dynamic-fund\" data-risk=\"5\" data-low=\"1\">Dynamic Fund <span style=\"font-size: .5em;\">(Closed to new investment)<\/span> <i class=\"fas fa-chevron-right\"><\/i><\/a><\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-4fc20b5a e-flex e-con-boxed e-con e-parent\" data-id=\"4fc20b5a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-1e5aa82d e-flex e-con-boxed e-con e-child\" data-id=\"1e5aa82d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7694b4b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7694b4b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tQuestions people\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29883907 elementor-widget__width-initial elementor-absolute elementor-widget elementor-widget-text-editor\" data-id=\"29883907\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\task us frequently\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-31f8a465 e-flex e-con-boxed e-con e-child\" data-id=\"31f8a465\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f26278a elementor-widget elementor-widget-n-accordion\" data-id=\"4f26278a\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"increase-contributions\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"increase-contributions\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> How to increase your KiwiSaver contributions: <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"increase-contributions\" class=\"elementor-element elementor-element-32a600d8 e-con-full e-flex e-con e-child\" data-id=\"32a600d8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65b6702a elementor-widget elementor-widget-text-editor\" data-id=\"65b6702a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Direct credit via your online banking<\/strong><br \/>Set up regular payments or do a one-off payment via your online banking straight into your account using the following details:<\/p><p><strong>Bank account name<\/strong>: Milford KiwiSaver Plan<br \/><strong>Account number<\/strong>: 02 0500 0966274 00<br \/><strong>Particulars<\/strong>: Please enter Milford Account Name<br \/><strong>Code<\/strong>: Please enter Three Letter Fund Code e.g. KWS<br \/><strong>Payer Reference<\/strong>: Please enter your Milford Account Number (starts with ML)<\/p><p><strong>Set up a Direct Debit<\/strong><br \/>Click <a href=\"https:\/\/milfordasset.com\/ks-dd\" target=\"_blank\" rel=\"noopener\">here<\/a> to set up automatic regular payments from your bank account straight into your account.<\/p><p><strong>Tell your employer to increase your contribution rate<\/strong><br \/>You can set your contribution rate at either 3%, 4%, 6%, 8% or 10% of your salary or wages. Simply tell your employer in writing the rate you would like.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1321\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1321\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> How do I change my KiwiSaver provider? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1321\" class=\"elementor-element elementor-element-7a2adafe e-con-full e-flex e-con e-child\" data-id=\"7a2adafe\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d78658f elementor-widget elementor-widget-text-editor\" data-id=\"2d78658f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To change your KiwiSaver provider to Milford is easy and hassle-free. Just complete our online <a href=\"https:\/\/kiwisaver.milfordasset.com\/\" target=\"_blank\" rel=\"noopener\">application form<\/a> on our website with your NZ ID and IRD number, and we&#8217;ll handle the rest. It only takes a few minutes to complete the application and you don\u2019t need to contact your current provider. We\u2019ll let them know and manage all the paperwork. The change will be completed within a couple of weeks. If you have any questions, our friendly Client Experience team is here to help. Call us at 0800 662 345 or <a href=\"mailto:info@milfordasset.com\" target=\"_blank\" rel=\"noopener\">info@milfordasset.com<\/a>. It\u2019s that simple\u2014no fuss, no dramas!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1322\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1322\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> Milford is an active manager, what does that mean? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1322\" class=\"elementor-element elementor-element-78732a81 e-flex e-con-boxed e-con e-child\" data-id=\"78732a81\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6948d086 elementor-widget elementor-widget-text-editor\" data-id=\"6948d086\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAs an active manager, Milford takes a hands-on approach to investing &#8211; which means we\u2019re doing all the work on your behalf, so you don\u2019t have to! Our expert team constantly monitors the markets, re-evaluates investments, and makes insightful decisions to take advantage of opportunities as they arise and manage risks along the way. We work hard, striving to maximise your results to help you meet your financial goals. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1323\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1323\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> Does Milford invest sustainably? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1323\" class=\"elementor-element elementor-element-4be91c14 e-flex e-con-boxed e-con e-child\" data-id=\"4be91c14\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f21b23a elementor-widget elementor-widget-text-editor\" data-id=\"7f21b23a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Milford is committed to sustainable investing. We believe in affecting positive change through active engagement with the companies we invest in, encouraging them to improve their sustainable practices.<\/p><p>We undertake in depth analysis \u2028of the Environmental, Social \u2028and Governance (ESG) \u2028credentials of every company we invest in. We believe we can make the biggest impact by engaging with companies to address sustainability issues and drive positive change and help drive the transition to a more sustainable future.<\/p><p><span style=\"text-align: var(--text-align); background-color: var( --e-global-color-a2ed720 );\">To learn more, visit the <\/span><a style=\"text-align: var(--text-align);\" href=\"https:\/\/milfordasset.com\/about-us\/sustainable-investing\">Sustainable Investing section<\/a><span style=\"text-align: var(--text-align); background-color: var( --e-global-color-a2ed720 );\"> of our website.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1324\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1324\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> Can I switch my Australian Super to the Milford KiwiSaver Plan? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1324\" class=\"elementor-element elementor-element-361f4fa2 e-flex e-con-boxed e-con e-child\" data-id=\"361f4fa2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a2030ee elementor-widget elementor-widget-text-editor\" data-id=\"5a2030ee\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes, you can transfer your Australian Superannuation (Aussie Super) to your Milford KiwiSaver account, so you can manage all your retirement savings under one roof.<\/p><p>Our team at Milford can assist you with the paperwork. For more information visit the <a href=\"https:\/\/milfordasset.com\/transfer-your-australian-super-to-new-zealand\">Transferring your Australian Superannuation to KiwiSaver<\/a> on our website. If you have any questions or need help, call 0800 662 345 or email <a href=\"mailto:info@milfordasset.com\">info@milfordasset.com<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1325\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1325\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> How much do I have to contribute to KiwiSaver? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1325\" class=\"elementor-element elementor-element-65eed55 e-flex e-con-boxed e-con e-child\" data-id=\"65eed55\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c4337e elementor-widget elementor-widget-text-editor\" data-id=\"8c4337e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIf you wish to contribute, you can choose to contribute 3%, 4%, 6%, 8%, or 10% of your income. Your employer must also contribute at least 3% if you\u2019re contributing from your salary. You can also choose to contribute to your account voluntarily, regardless of whether you are employed or not. If you\u2019re self-employed you can still contribute directly too. To maximise the government\u2019s $260.72 annual contribution, you should aim to contribute at least $1,042.86 each year before the end of June.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1326\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1326\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> Can I use my KiwiSaver savings to buy a house and which Fund should I choose? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1326\" class=\"elementor-element elementor-element-4ff8946f e-flex e-con-boxed e-con e-child\" data-id=\"4ff8946f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e3737fe elementor-widget elementor-widget-text-editor\" data-id=\"7e3737fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes, you can use your KiwiSaver savings to buy your first home through the First Home Withdrawal scheme. To be eligible, you must have been a KiwiSaver member for at least three years as well as meet other criteria set by the scheme.<\/p><p><span style=\"text-align: var(--text-align); background-color: var( --e-global-color-a2ed720 );\">Choosing the right KiwiSaver Fund for buying a house depends on your risk profile and your timeframe. If you\u2019re planning to buy a home in the next few years, a Conservative or Defensive Fund might be a good choice as it has lower risk and less chance of significant short-term fluctuations. If you are planning your first home further down the line, you might consider a Balanced or Growth Fund as they come with more risk but could offer higher returns over the long term.<\/span><\/p><p>Use our <a href=\"https:\/\/milfordasset.com\/digital-advice-tools\">Digital Advice KiwiSaver tool<\/a> on our website or talk to our KiwiSaver advice team for a personalised recommendation for your situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1327\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1327\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> How has Milford delivered such strong returns? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1327\" class=\"elementor-element elementor-element-35330685 e-flex e-con-boxed e-con e-child\" data-id=\"35330685\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cb9d2ec elementor-widget elementor-widget-text-editor\" data-id=\"7cb9d2ec\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tMilford has delivered strong returns through a combination of expertise, investment strategies, and dedication. Our expert investment team, one of the most globally experienced in New Zealand, conducts rigorous research and analysis to identify the best investment opportunities. We actively manage your investments, continually re-evaluating and adjusting to market conditions striving to maximise results and manage risk. Plus, our team invests their own money in the same Milford Funds as our clients, which means we\u2019re highly motivated to achieve the very best outcomes.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1328\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1328\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> Where can I find more help to choose my KiwiSaver Fund? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1328\" class=\"elementor-element elementor-element-490ab80b e-flex e-con-boxed e-con e-child\" data-id=\"490ab80b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-346fc60d elementor-widget elementor-widget-text-editor\" data-id=\"346fc60d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can use our <a href=\"https:\/\/milfordasset.com\/digital-advice-tools\">Digital Advice KiwiSaver tool<\/a> on our website to get a personalised recommendation based on your goals, risk profile and investment timeframe. If you prefer to talk to someone, our KiwiSaver advice team is here to help too. Just give us a call at 0800 662 345. We&#8217;re here to make sure you find the right Fund for your circumstances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1329\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1329\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> I\u2019ve heard about compound returns, what does this mean? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1329\" class=\"elementor-element elementor-element-4e7cceb1 e-flex e-con-boxed e-con e-child\" data-id=\"4e7cceb1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30b43821 elementor-widget elementor-widget-text-editor\" data-id=\"30b43821\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCompound returns is the process where you earn returns on top of the returns you previously earned.  \n\nHere\u2019s how it works: when you invest money, you earn returns on that initial investment. In the next period, you would be earning returns on both your original investment and the returns you\u2019ve already made. This snowball effect means your investment can grow faster over time. It is the key benefit of investing early and staying invested, as it allows your money to grow exponentially the longer you are invested.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-13210\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-13210\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> I have 20+ years until I retire, what Fund would suit me? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-13210\" class=\"elementor-element elementor-element-2da5abc1 e-flex e-con-boxed e-con e-child\" data-id=\"2da5abc1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-767948c9 elementor-widget elementor-widget-text-editor\" data-id=\"767948c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With more than 20 years until retirement, you have a long investment timeframe, which means you can afford to take on more risk for potentially higher returns. A Growth Fund or an Aggressive Fund could suit you, as these Funds have the potential for higher returns over the long term, but they can be more volatile in the short term \u2013 so you would need to have a higher tolerance for risk to be in this type of Fund. For tailored advice, use our <a href=\"https:\/\/milfordasset.com\/digital-advice-tools\">Digital Advice KiwiSaver tool<\/a> or speak with our KiwiSaver advice team at 0800 662 345 to find the best Fund for your retirement goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How to increase your KiwiSaver contributions:\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Direct credit via your online bankingSet up regular payments or do a one-off payment via your online banking straight into your account using the following details:Bank account name: Milford KiwiSaver PlanAccount number: 02 0500 0966274 00Particulars: Please enter Milford Account NameCode: Please enter Three Letter Fund Code e.g. KWSPayer Reference: Please enter your Milford Account Number (starts with ML)Set up a Direct DebitClick here to set up automatic regular payments from your bank account straight into your account.Tell your employer to increase your contribution rateYou can set your contribution rate at either 3%, 4%, 6%, 8% or 10% of your salary or wages. Simply tell your employer in writing the rate you would like.\"}},{\"@type\":\"Question\",\"name\":\"How do I change my KiwiSaver provider?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"To change your KiwiSaver provider to Milford is easy and hassle-free. Just complete our online application form on our website with your NZ ID and IRD number, and we&#8217;ll handle the rest. It only takes a few minutes to complete the application and you don\\u2019t need to contact your current provider. We\\u2019ll let them know and manage all the paperwork. The change will be completed within a couple of weeks. If you have any questions, our friendly Client Experience team is here to help. Call us at 0800 662 345 or info@milfordasset.com. It\\u2019s that simple\\u2014no fuss, no dramas!\"}},{\"@type\":\"Question\",\"name\":\"Milford is an active manager, what does that mean?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"As an active manager, Milford takes a hands-on approach to investing &#8211; which means we\\u2019re doing all the work on your behalf, so you don\\u2019t have to! Our expert team constantly monitors the markets, re-evaluates investments, and makes insightful decisions to take advantage of opportunities as they arise and manage risks along the way. We work hard, striving to maximise your results to help you meet your financial goals.\"}},{\"@type\":\"Question\",\"name\":\"Does Milford invest sustainably?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Milford is committed to sustainable investing. We believe in affecting positive change through active engagement with the companies we invest in, encouraging them to improve their sustainable practices.We undertake in depth analysis \\u2028of the Environmental, Social \\u2028and Governance (ESG) \\u2028credentials of every company we invest in. We believe we can make the biggest impact by engaging with companies to address sustainability issues and drive positive change and help drive the transition to a more sustainable future.To learn more, visit the Sustainable Investing section of our website.\"}},{\"@type\":\"Question\",\"name\":\"Can I switch my Australian Super to the Milford KiwiSaver Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, you can transfer your Australian Superannuation (Aussie Super) to your Milford KiwiSaver account, so you can manage all your retirement savings under one roof.Our team at Milford can assist you with the paperwork. For more information visit the Transferring your Australian Superannuation to KiwiSaver on our website. If you have any questions or need help, call 0800 662 345 or email info@milfordasset.com\"}},{\"@type\":\"Question\",\"name\":\"How much do I have to contribute to KiwiSaver?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you wish to contribute, you can choose to contribute 3%, 4%, 6%, 8%, or 10% of your income. Your employer must also contribute at least 3% if you\\u2019re contributing from your salary. You can also choose to contribute to your account voluntarily, regardless of whether you are employed or not. If you\\u2019re self-employed you can still contribute directly too. To maximise the government\\u2019s $260.72 annual contribution, you should aim to contribute at least $1,042.86 each year before the end of June.\"}},{\"@type\":\"Question\",\"name\":\"Can I use my KiwiSaver savings to buy a house and which Fund should I choose?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, you can use your KiwiSaver savings to buy your first home through the First Home Withdrawal scheme. To be eligible, you must have been a KiwiSaver member for at least three years as well as meet other criteria set by the scheme.Choosing the right KiwiSaver Fund for buying a house depends on your risk profile and your timeframe. If you\\u2019re planning to buy a home in the next few years, a Conservative or Defensive Fund might be a good choice as it has lower risk and less chance of significant short-term fluctuations. If you are planning your first home further down the line, you might consider a Balanced or Growth Fund as they come with more risk but could offer higher returns over the long term.Use our Digital Advice KiwiSaver tool on our website or talk to our KiwiSaver advice team for a personalised recommendation for your situation.\"}},{\"@type\":\"Question\",\"name\":\"How has Milford delivered such strong returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Milford has delivered strong returns through a combination of expertise, investment strategies, and dedication. Our expert investment team, one of the most globally experienced in New Zealand, conducts rigorous research and analysis to identify the best investment opportunities. We actively manage your investments, continually re-evaluating and adjusting to market conditions striving to maximise results and manage risk. Plus, our team invests their own money in the same Milford Funds as our clients, which means we\\u2019re highly motivated to achieve the very best outcomes.\"}},{\"@type\":\"Question\",\"name\":\"Where can I find more help to choose my KiwiSaver Fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can use our Digital Advice KiwiSaver tool on our website to get a personalised recommendation based on your goals, risk profile and investment timeframe. If you prefer to talk to someone, our KiwiSaver advice team is here to help too. Just give us a call at 0800 662 345. We&#8217;re here to make sure you find the right Fund for your circumstances.\"}},{\"@type\":\"Question\",\"name\":\"I\\u2019ve heard about compound returns, what does this mean?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Compound returns is the process where you earn returns on top of the returns you previously earned.  \\n\\nHere\\u2019s how it works: when you invest money, you earn returns on that initial investment. In the next period, you would be earning returns on both your original investment and the returns you\\u2019ve already made. This snowball effect means your investment can grow faster over time. It is the key benefit of investing early and staying invested, as it allows your money to grow exponentially the longer you are invested.\"}},{\"@type\":\"Question\",\"name\":\"I have 20+ years until I retire, what Fund would suit me?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"With more than 20 years until retirement, you have a long investment timeframe, which means you can afford to take on more risk for potentially higher returns. A Growth Fund or an Aggressive Fund could suit you, as these Funds have the potential for higher returns over the long term, but they can be more volatile in the short term \\u2013 so you would need to have a higher tolerance for risk to be in this type of Fund. For tailored advice, use our Digital Advice KiwiSaver tool or speak with our KiwiSaver advice team at 0800 662 345 to find the best Fund for your retirement goals.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-4b849e7e e-con-full e-flex e-con e-parent\" data-id=\"4b849e7e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e33731e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7e33731e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Join or switch now, or get advice on choosing your fund with our Digital Advice tool<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-2da37869 e-con-full e-flex e-con e-child\" data-id=\"2da37869\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-baed49e elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"baed49e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/kiwisaver.milfordasset.com\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Join or switch now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2817c1a elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"2817c1a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/milfordasset.com\/digital-advice-tools\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Digital Advice Tool<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Choose an award-winning KiwiSaver Provider Our team invest their own money right alongside yours, so you know we&#8217;re truly invested<\/p>\n","protected":false},"author":25,"featured_media":38744,"parent":126,"menu_order":136,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"ep_exclude_from_search":false,"footnotes":""},"class_list":["post-16","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>KiwiSaver Provider - Milford<\/title>\n<meta name=\"description\" content=\"Milford offers an award-winning KiwiSaver Plan, managed by a team of globally experienced investment specialists. 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