Online Investment FAQs

GoalsGetter is a smart online investment platform powered by Nikko AM, one of Asia's largest asset managers.

GoalsGetter helps you create, track, manage and accelerate how you invest your money to achieve your financial goals. It’s intended to be both an educational tool allowing you to get recommendations and see the potential effects of your investment choices, and a mechanism for directly investing into Nikko AM NZ’s funds.

GoalsGetter is designed to provide an easy to use guide to some of the choices you have when making investment decisions. As a financial model, it cannot predict the future, but it does aim to provide a guide as to the possible outcomes of your investments. The tool is limited to providing access to products managed and distributed by Nikko AM NZ.

GoalsGetter is intended for people looking for long-term investments and not quick win solutions.

GoalsGetter is a smart online investment platform that helps you set investment goals, see how your investments could grow over time and invest when you're ready. And you can manage everything from one easy to use dashboard.

There are three investment paths to choose from:

1. Set a goal - enter a few details to create a goal, view a projection of how that goal could be achieved through investing in the funds offered in GoalsGetter, save your goal, then invest when you’re ready. You can make your own fund selection or get a recommendation.
2. Just invest - if you don’t have a particular goal in mind and you know which funds you want to invest in, you can skip the “set a goal” step and simply set up an investment through the GoalsGetter platform.
3. KiwiSaver - you can quickly and easily transfer your KiwiSaver to the GoalsGetter KiwiSaver Scheme on GoalsGetter and/or view a projection of what your KiwiSaver could be worth in the future by investing in different fund types.

If you decide to make an investment, you’ll be asked to apply for an Investment Account. You only need to do this once and this step is necessary for us to set you up as an investor in our system. You’ll need to provide important information that we're legally obliged to ask in order to verify your identity. Once your identity is verified (which usually takes 1-2 business days) your account will be confirmed and you’re ready to transfer money into your selected funds.

GoalsGetter is an online investment platform that allows every-day people to invest in Nikko AM retail funds and the GoalsGetter KiwiSaver scheme. Your investments are managed by fund managers. Nikko AM is one of Asia’s most trusted asset managers operating in NZ since 1959.

GoalsGetter is available to individual and joint investors, however if you would like to invest in Nikko AM funds via a trust or company, please contact us.

The minimum investment amount in our investment funds is $250. There's no minimum amount for investing in the GoalsGetter KiwiSaver Scheme.

GoalsGetter is free to use however investment fees will apply. If you choose to invest, you will pay fund charges. You can find out more about those here.  No additional fees are charged for using GoalsGetter .

You can also find out more in the Product Disclosure Statement (PDS) which provides you with information about each fund. It describes how the fund is set up, the fees that apply, and explains how the fund works. It’s important to read the PDS before you invest so you understand all the details about the fund you are investing in.

When you invest with us, you buy units in the fund or funds that you’ve selected. The value of these units is determined by the underlying assets held in the fund, for example, the shares or bonds the fund owns. The value of the fund will move up and down based on the value of the assets owned by the fund. This movement is reflected in the unit price of the fund.

You can invest in a range of Nikko AM retail funds or if you become a member of the GoalsGetter KiwiSaver Scheme you can chose Nikko Funds as well as a range of funds from some of NZ’s leading fund managers.” Learn about all our Nikko AM managed funds here and our GoalsGetter KiwiSaver Scheme here.

We currently offer a selection of funds that offer a mix of investments. You can choose which funds you want to invest in, but not the underlying securities the fund manager chooses to invest in. Anyone wanting to invest in a specific company should see a stockbroker or a Financial Advice Provider (FAP). You can find a Financial Advice Provider here.

You can switch between funds at any time. To do this, log into your GoalsGetter account, click on your invested goal and then on ‘edit goal’. For more information on each of the investment options, you can click on 'Fund Information' once you know which funds you’d like to switch to, click on ‘change allocation’ and select ‘your funds’.

If you are switching to or from a fund which charges a buy/sell spread, this will be applied to your switch. For more details on which funds this applies to you can refer to the Product Disclosure Statements.

Switching between funds will only take a few days. You can only request one switch at a time, and you need to wait until a previous switch has been completed before you request another one. Please take the time to be sure of your request to switch before hitting ‘submit’.

You’ll receive an email confirmation that the switch request has been received and you’ll be able to see the switch by logging into your GoalsGetter account looking at your 'transactions tab'.

If you are investing in the Nikko AM Investment scheme you can withdraw from your investment at any time - either the full amount or a partial amount by editing your investment and changing the funds allocation. This usually takes up to 5 business days to take effect.

Don’t forget when you set up an investment, most of our funds automatically reinvest distributions. However, if you invest in cash funds, then distributions will be paid out to you regularly. Please read the Product Disclosure Statements of the funds you are intending to invest in to check these details.

If you are in the GoalsGetter KiwiSaver Scheme there are limited circumstances when you can request a withdrawal from your KiwiSaver. Learn more here.

GoalsGetter is currently available to individual and joint investors, however, if you would like to invest in Nikko AM funds via a trust or a company please contact us.

All our funds’ assets are held in the name of Public Trust, an independent custodian. This means that your investments are held separately from Nikko AM NZ. This is an essential part of good governance.

We take the privacy and security of your personal information very seriously. By saving your first goal you provided your consent to be communicated with. As you proceed through the process of investing, we'll collect more personal information from you to enable us to administer your account and provide you with the service to which you have subscribed. You'll also receive emails from us related to the service we provide. Although you can unsubscribe from these emails at any time, we recommend that in order to get the maximum benefit from the GoalsGetter and your investments, that you don’t unsubscribe. Please read our privacy policy and terms and conditions for more details on how we hold, process and use your data.

A prescribed investor rate (PIR) is the rate used to calculate how much tax you'll pay on your portfolio investment entity (PIE) taxable income. All Nikko AM funds are PIEs. Depending on your circumstances, individual investors could choose a PIR of: 10.5% 17.5% 28%. Find your PIR here.

When you invest in managed funds (general investing or KiwiSaver) your money is pooled with other investors, and used to buy assets on behalf of the fund. Learn more about the basics of investing in managed funds by downloading our free guide.

Using GoalsGetter is easy and depending on the path you take (set a goal, just invest or KiwiSaver), it only takes a few minutes to step through and apply for an investment account. Once you’ve applied for an investment account, it takes 1-2 business days to verify your identity (which we’re legally required to do).

If you’re investing in our retail funds, after you’ve made your deposit, your new investment will take around 3-4 days to appear in your GoalsGetter account. Once unit pricing for the day we received your deposit has been completed (usually the next business day), you'll be invested. You'll be able to see your investment in GoalsGetter the following day.

If you’re transferring to the GoalsGetter KiwiSaver Scheme, once your identity is verified, we take care of the transfer for you. It usually takes around two weeks for your KiwiSaver investment to appear on your GoalsGetter dashboard. We’ll email you let you know once we’ve received your transfer.