CareSaver
Balanced Fund
Invest ethically
Investment objective
Medium returns with a medium risk focus.
Designed for
Investors with a medium to long term time frame of 3-10 years.
What it invests in
A balance between growth assets (like shares) and income assets (like bonds and bank deposits). Investments are spread across geographies, companies and sectors to provide diversification.
Risk level
The value will move both up or down and is likely to fluctuate more than the Conservative Fund but less than the Growth Fund.
Investment objective
Medium returns with a medium risk focus.
Designed for
Investors with a long-term time frame of 3-10 years.
What it invests in
A balance between growth assets (like shares) and income assets (like bonds and bank deposits). Investments are spread across geographies, companies and sectors to provide diversification.
Risk level
The value will move both up or down and is likely to fluctuate more than the Conservative Fund but less than the Growth Fund.
The risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the Fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way.
This risk indicator is not a guarantee of a fund’s future performance. The indicator is based on the returns data for the 5 years to 31 March 2019. While risk indicators are usually relatively stable, they do shift from time to time. You can see the most recent risk indicator in the latest fund update for the Funds.
Ethical
We want to invest in companies that have a positive impact on our planet. We want to avoid companies that are harmful to society.
Low Carbon
Climate change is a big risk for companies. We favour companies that are actively managing the transition to a low carbon world.
Engagement
We use our ownership rights to influence corporate behavior and promote positive decision making.
Switch to our balanced fund today
Learn more about
our other funds
Growth Fund
Ethical investing to achieve medium to high returns with a higher risk exposure.
Conservative Fund
Ethical investing to achieve modest returns with a lower risk exposure.
We have an A+ Governance and Strategy rating from the United Nations Principles of Responsible Investment (putting us in the top 10% of boutique managers globally).
The CareSaver Balanced Fund has been designated a Certified Responsible Investment by the RIAA (Responsible Investment Association Australasia). See www.responsibleinvestment.org for more details
*The Certification Symbol signifies that a product or service offers an investment style that takes into account environmental, social, governance or ethical considerations. The Symbol also signifies that the CareSaver Balanced Fund adheres to the strict operational and disclosure practices required under the Responsible Investment Certification Program for the category of Product Provider. The Certification Symbol is a Registered Trade Mark of the Responsible Investment Association Australasia (RIAA). Detailed information about RIAA, the Symbol and the CareSaver Balanced Fund’s methodology, performance and stock holdings can be found at www.responsiblereturns.com.au, together with details about other responsible investment products certified by RIAA.
1. The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold an Australian Financial Services Licence.
