About the fund manager
Aurora Capital is a New Zealand-owned, multi-manager specialist that builds diversified, future-focused portfolios by selecting investment managers who share its commitment to sustainability and long-term resilience.
Aurora RetirementPlus Strategy
Designed for members focused on retirement, this strategy aims to grow your savings steadily over the long term. It gradually reduces risk as you get closer to, and move through, retirement. No manual adjustments needed. Built from a mix of the Hive Aurora Growth Fund and Hive Aurora Conservative Fund, gradually shifting from growth assets toward income assets from age 51.
Key details
Risk indicator
Risk indicator for age 50 or younger (100% Growth). Risk reduces as the strategy shifts toward Conservative from age 51 — as shown in the Hive KiwiSaver Scheme PDS.
Recommended investment timeframe
Adjusts with age
Managed by
Aurora Capital
Indicative annual fund charge (estimate)
Varies depending on age
Indicative buy/sell spread
0.08% / 0.08%
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Talk to an AdviserAsset allocation
This chart shows you how the asset allocation in the RetirementPlus Strategy changes from age 50 onwards.
RetirementPlus strategy
How your fund mix and indicative fee change with age
As the strategy moves from the Hive Aurora Growth Fund to the Hive Aurora Conservative Fund, its indicative annual fund charge gradually reduces.
Age 65
50% Growth · 50% Conservative
1.38%indicative annual charge
Hive Aurora Growth FundHive Aurora Conservative FundIndicative annual charge
Hover, tap, or use the left and right arrow keys to explore each age. The indicative charge is the weighted average of the current Growth and Conservative Fund charges shown above; those charges may change.
| Age | Hive Aurora Growth Fund | Hive Aurora Conservative Fund | Indicative annual fund charge |
|---|---|---|---|
| 50 | 100% | 0% | 1.50% |
| 51 | 97% | 3% | 1.49% |
| 52 | 94% | 6% | 1.48% |
| 53 | 91% | 9% | 1.48% |
| 54 | 88% | 12% | 1.47% |
| 55 | 85% | 15% | 1.46% |
| 56 | 82% | 18% | 1.46% |
| 57 | 79% | 21% | 1.45% |
| 58 | 76% | 24% | 1.44% |
| 59 | 73% | 27% | 1.43% |
| 60 | 70% | 30% | 1.42% |
| 61 | 66% | 34% | 1.42% |
| 62 | 62% | 38% | 1.40% |
| 63 | 58% | 42% | 1.40% |
| 64 | 54% | 46% | 1.39% |
| 65 | 50% | 50% | 1.38% |
| 66 | 46% | 54% | 1.37% |
| 67 | 42% | 58% | 1.35% |
| 68 | 38% | 62% | 1.35% |
| 69 | 34% | 66% | 1.33% |
| 70 | 30% | 70% | 1.32% |
| 71 | 27% | 73% | 1.32% |
| 72 | 24% | 76% | 1.31% |
| 73 | 21% | 79% | 1.30% |
| 74 | 18% | 82% | 1.29% |
| 75 | 15% | 85% | 1.29% |
| 76 | 12% | 88% | 1.28% |
| 77 | 9% | 91% | 1.27% |
| 78 | 6% | 94% | 1.26% |
| 79 | 5% | 95% | 1.26% |
| 80 | 5% | 95% | 1.26% |
Please note
This strategy may not be suitable for you if you plan to use your KiwiSaver account for your first home purchase.
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