The tables on pages 2 and 3 show the filled-in risk indicator for each option.
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.
To help you clarify your own attitude to risk, you can seek financial advice or work out your risk profile at www.unisaver.co.nz/risk-profiler [external link].
Note that even the lowest category does not mean a risk-free investment, and there are other risks that are not captured by this rating.
This risk indicator is not a guarantee of a fund’s future performance. The risk indicator is based on the returns data for the 5 years to 30 September 2021. 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 each fund.
General investment risks
Some of the things that may cause a fund’s value to move up and down, which affect the risk indicator are: