Christian Income Fund
Income Fund is a defensive KiwiSaver fund managed by Christian. It has 364 members and holds $9 million. It opened in 2012.
Fees and returns
- Annual fee
- 0.80% of your balance each year
- Return over 1 year
- +1.8% a year
- Return over 3 years
- +3.0% a year
- Return over 5 years
- +1.0% a year
Figures are after fees and tax, as at Q3 2026, sourced from the FMA Disclose Register.
How it compares
Over the last five years this fund returned +1.0% a year. The median for mainstream defensive funds over the same period was +1.7% a year, across 6 funds. This fund is behind that median, by 0.7 percentage points.
What it invests in
International fixed interest 35%, cash and cash equivalents 34%, new zealand fixed interest 31%.
Largest holdings
- Pimco Global Bond Esg Fund 20.43%
- Pimco Gis Global Bond Fund 13.87%
- Legg Mason Brandywine Gofi 7.59%
Year by year
| Financial year | Return |
|---|---|
| 2025/26 | +1.8% |
| 2024/25 | +3.4% |
| 2023/24 | +3.7% |
| 2022/23 | −1.9% |
| 2021/22 | −2.1% |
| 2020/21 | +2.5% |
| 2019/20 | +1.2% |
| 2018/19 | +1.4% |
| 2017/18 | +1.8% |
| 2016/17 | +2.1% |
About this fund
The Christian KiwiSaver Scheme Income Fund is a defensive fund that invests solely in income assets — fixed interest, mortgages and cash — with no exposure to shares or other growth assets. It is designed for a low risk profile, suited to investors close to retirement or who are more risk-averse. The scheme applies a Christian values-based investment screen. It has an annual fund charge of 0.80%.