Mechanical screen
NZ managed funds with a conservative or moderate risk profile
These are the funds in our coverage with a conservative or moderate risk profile — typically 20–60% growth assets and 40–80% income assets (bonds + cash). Sorted by annual fund charge from lowest to highest.
- Filter
- Risk profile = conservative or moderate
- Funds matching
- 36
- Sorted by
- Annual fund charge (asc)
Last refreshed · Sourced from FMA Disclose via Sorted Smart Investor.How this list is built
| # | Fund | Manager | Annual fund charge |
|---|---|---|---|
| 1 | Simplicity NZ Bond Fund PIE · capped at PIR (max 28%)conservative NZ Fixed Interest |  Simplicity | 0.10% |
| 2 | Simplicity NZ Cash Fund PIE · capped at PIR (max 28%)conservative Cash | Simplicity | 0.12% |
| 3 | Simplicity Hedged Global Bond Fund PIE · capped at PIR (max 28%)NZD hedgedconservative International FI | Simplicity | 0.15% |
| 4 | Simplicity Conservative Investment Fund PIE · capped at PIR (max 28%)conservative Diversified | Simplicity | 0.25% |
| 5 | Kernel Conservative Fund PIE · capped at PIR (max 28%)conservative Diversified |  Kernel | 0.25% |
| 6 | Kernel Cash Plus Fund PIE · capped at PIR (max 28%)conservative Cash | Kernel | 0.25% |
| 7 | Harbour Enhanced Cash Fund PIE · capped at PIR (max 28%)conservative Cash |  Harbour | 0.26% |
| 8 | Clarity Enhanced Cash PIE PIE · capped at PIR (max 28%)conservative Cash |  Clarity | 0.26% |
| 9 | Kernel US Bond Fund PIE · capped at PIR (max 28%)conservative International FI | Kernel | 0.30% |
| 10 | BetaShares Australian Investment Grade Corporate Bond Fund (NZD Hedged) PIE · capped at PIR (max 28%)NZD hedgedconservative International FI |  BetaShares | 0.34% |
| 11 | Kernel NZ Bond Fund PIE · capped at PIR (max 28%)conservative NZ Fixed Interest | Kernel | 0.40% |
| 12 | JPMorgan Global Bond Fund PIE · capped at PIR (max 28%)conservative International FI |  JPMorgan | 0.47% |
| 13 | Summer New Zealand Cash PIE · capped at PIR (max 28%)conservative Cash |  Summer | 0.62% |
| 14 | ANZ Investments OneAnswer Conservative Fund PIE · capped at PIR (max 28%)conservative Diversified |  ANZ Investments | 0.63% |
| 15 | Lifetime Cash Fund PIE · capped at PIR (max 28%)conservative Cash |  Lifetime | 0.65% |
| 16 | Coolabah Short Term Income PIE Fund PIE · capped at PIR (max 28%)conservative International FI |  Coolabah | 0.67% |
| 17 | Clarity Fixed Income Fund PIE · capped at PIR (max 28%)conservative International FI | Clarity | 0.70% |
| 18 | Daintree Core Income PIE PIE · capped at PIR (max 28%)conservative International FI |  Daintree | 0.73% |
| 19 | Booster Wealth Moderate Fund PIE · capped at PIR (max 28%)conservative Diversified |  Booster | 0.74% |
| 20 | Coolabah Active Composite Bond PIE Fund PIE · capped at PIR (max 28%)conservative International FI | Coolabah | 0.76% |
| 21 | SBS Wealth World Bond Portfolio PIE · capped at PIR (max 28%)conservative International FI |  SBS Wealth | 0.77% |
| 22 | SBS Wealth New Zealand Bond Portfolio PIE · capped at PIR (max 28%)conservative NZ Fixed Interest | SBS Wealth | 0.78% |
| 23 | Bentham Global Income PIE Fund PIE · capped at PIR (max 28%)conservative International FI |  Bentham | 0.83% |
| 24 | Milford Conservative Fund PIE · capped at PIR (max 28%)conservative Diversified |  Milford | 0.85% |
| 25 | Summer Conservative Selection PIE · capped at PIR (max 28%)conservative Diversified | Summer | 0.87% |
| 26 | Summer Global Fixed Interest PIE · capped at PIR (max 28%)conservative International FI | Summer | 0.87% |
| 27 | SBS Wealth Conservative Strategy PIE · capped at PIR (max 28%)conservative Diversified | SBS Wealth | 0.90% |
| 28 | Lifetime Conservative Fund PIE · capped at PIR (max 28%)conservative Diversified | Lifetime | 0.99% |
| 29 | Fisher Funds Conservative Fund PIE · capped at PIR (max 28%)conservative Diversified |  Fisher Funds | 1.35% |
| 30 | NZ Funds Global Bonds PIE · capped at PIR (max 28%)conservative International FI |  NZ Funds | 1.44% |
| 31 | NZ Funds New Zealand and Australian Bonds PIE · capped at PIR (max 28%)conservative NZ Fixed Interest | NZ Funds | 1.44% |
| 32 | ACI Conservative Fund PIE · capped at PIR (max 28%)conservative Diversified | AACI | 1.50% |
| 33 | Artesian Green and Sustainable Bond Fund (NZD) PIE · capped at PIR (max 28%)Responsible / ethicalconservative International FI |  Artesian | — |
| 34 | Artesian Short Duration Corporate Bond Fund (NZD) PIE · capped at PIR (max 28%)conservative International FI | Artesian | — |
| 35 | Kernel March 2027 NZ Bond Fund PIE · capped at PIR (max 28%)conservative NZ Fixed Interest | Kernel | — |
| 36 | Kernel March 2029 NZ Bond Fund PIE · capped at PIR (max 28%)conservative NZ Fixed Interest | Kernel | — |
Other mechanical screens
NZ managed funds with annual fund charges below 0.75%NZ managed funds with a growth or aggressive risk profileNZ index-tracking managed fundsNZ managed funds with a responsible-investment labelNZ diversified (multi-asset) managed fundsNZ Australasian-equity managed fundsBuild your own filter →
Per-asset-class Q&A
How this list is built
- The filter is purely mechanical — funds are included only if they match the criterion shown above. No editorial judgement, no opinion-based ranking.
- Sort order is annual fund charge ascending; funds with no fee data on file are listed at the bottom alphabetically.
- Annual fund charge data comes from the FMA Disclose register via Sorted Smart Investor; risk-profile, ETF, hedge and responsible-investment flags come from the manager's own disclosure.
- This page is not financial advice. ManagedFundsNZ is not a Financial Advice Provider. Read the relevant Product Disclosure Statement and consider talking to a licensed adviser before investing.
- See methodology for full sourcing and confidence-tier definitions.