Create independent wealth beyond the bank through strategic investment in investment funds.
Most people don’t avoid investing because they don’t care about money. They avoid it because every time they look into it, it turns into another subject to master. Do these questions sound familiar:
-
Do I need a finance degree to understand this?
-
What if I choose the wrong fund or the fund manager?
-
Do I need a huge lump sum to start?
-
Why do markets go up and down so much?
-
How does the tax work?
So the money sits in cash or ends up scattered across your Sharesies accounts that never quite feel intentional.
Not because you lack discipline — because you have a career, responsibilities and limited time.
Many of our clients are highly capable people. They run businesses, manage teams and make complex decisions daily. But investing is a separate profession.
We spend our working days building portfolios and reviewing markets so our clients don’t have to.
The goal of investment funds advice is not to take control away from you. It is to remove the need for you to become an investment specialist.
What an Investment Fund is?
An investment fund is a large pool of money from many investors that buys hundreds or thousands of investments on your behalf.
Instead of choosing individual shares, properties or bonds yourself, the fund spreads your money across many of them at once.
You own units in the fund - and through it, small pieces of everything inside it.
This is why most successful long-term investors use funds rather than building portfolios investment by investment. You are not trying to find the next winning company. You are participating in the growth of economies.
Why wealthy investors use investment funds in long-term portfolios
Diversification from day one
Your money is spread across countries, industries and companies, reducing the impact of any single investment performing poorly.
Professional oversight where it matters
Some funds are actively managed, where managers adjust positions and risk. Others simply track markets efficiently at low cost. Both approaches have a role depending on what that part of the portfolio is meant to do.
Access to global markets
You can invest across the world without large capital or multiple brokerage accounts.
You don’t need a large starting balance
Many portfolios can begin from about $50 per week. Once set up, contributions can happen automatically — often while standing in a supermarket checkout queue rather than setting aside time to manage money.
Accessibility and liquidity
Unlike some investments such as KiwiSaver and superannuation schemes, funds can generally be accessed if needed rather than locked away for decades.
Tax efficiency
(NZ PIE structure)
Most New Zealand managed funds use the Portfolio Investment Entity structure, which caps tax on investment income at 28% for many investors.
Lower ongoing effort
The portfolio runs in the background while you focus on your career or business.
You don’t need thousands to start — you need strategy
A common assumption is that investing only becomes worthwhile once a large lump sum is available.
In reality, what matters most is not the starting balance but the strategy.
Without structure people tend to hold too much cash waiting for certainty, pick funds based on recent performance, change direction when markets move, and accumulate overlapping investments over time.
A structured portfolio gives each investment a job from the beginning.
This service is suitable for you if:
-
You earn well but your investments feel unstructured or scattered
-
You want to invest properly without spending evenings researching markets
-
You want to become a disciplined long-term investor rather than reacting to headlines
-
You want your decisions guided by a patient, consistent, evidence-based approach
When is a good time to start?
Most clients come to us after years of meaning to invest properly.
They might have:
• Savings sitting in cash or term deposits
• KiwiSaver but no investments outside it
• A Sharesies or Hatch account with random positions
• Good income but no long-term structure
They are not beginners financially — just time-poor.
Fund Performance
10 Year cumulative return of our most popular Growth Investment fund that we recommend to our client:
171.80%
* (after fees and before tax) As at 28 Feb 2026
Example: If you invested $100,000 10 years ago and did not add any further contributions, your portfolio now would be worth $271,800
Past returns are not a guarantee of future performance.
How we approach Investment Funds and Portfolio Design
A clear explanation of why structure comes first, how funds work, and why disciplined design leads to better outcomes.
The consultation is simply a structured conversation about your situation. You are not committing to move investments or continue services.
Real Stories. Real Results.
-
My 73-year-old client who earned $60,000 of passive income in 12months.
-
A couple in their early 30s who bought an investment property and built $26,000 in investment funds in 12 months.
-
A professional couple in their early 40s who has increased their KiwiSaver by $120,000, bought an investment property and invested further $35,000 in investment funds and ETFs.
-
Another couple in their late 30s who bought 2 investment properties and optimised their investment portfolio from earning 7.5% pa to 11-20% pa within 2.5-year period.
-
A professional woman in her mid 50s went from no savings, consumer debt and no investments apart from KiwiSaver to being debt free, having more than $40,000 in investment funds and now purchasing a new investment property within 12 months.
-
Dozens of clients growing their investment portfolios by $20k-$25k in 12 months which is a very typical result.