Amy Poching

And then you've got 20% of your money invested in income assets, so like fixed interest, bonds, cash.

If we were to move to an aggressive fund, you're going to then have closer to 100% of your money invested in growth funds, which is shares and property.

That's the only difference.

And so with an aggressive fund, you might see more up and down, more volatility in that fund.

But if you've got like 15, 20, 25 years before you're going to be accessing it,

We don't care about what the ups and downs are along the way.

We just want maximum value at the end.

And so there is, you know, long term, there is around about 1.2%, 1 to 1.5% difference between a growth fund and an aggressive fund.

Per annum.

And that really adds up.

I want to give you an example.

Yeah.

And same thing happens when I see younger people who are in growth funds and they're planning on buying a home within the next couple of years.

And it's like, we've got to pull this back to conservative because we need to just preserve the value.

Now I can't buy my house anymore.

100%.

So here's some really interesting data that I looked at the other day because these are things I like to do in my spare time.

So in the last 12 months, the highest performing KiwiSaver fund returned 17.6%.

Wow.

In the last 12 months.