Compound Portfolios
Our portfolios are strategically tilted towards investments with higher expected returns, giving you the opportunity to maximise your long-term growth potential. These portfolios are available via the KiwiWRAP KiwiSaver Scheme and Consilium WRAP.
Our Portfolios
Compound moderate
Our Moderate Portfolio is designed for investors seeking steady portfolio growth with some tolerance for market fluctuations. It is ideal for those who do not plan on spending a substantial percentage of their capital base for at least 5 years.
Compound Balanced
Our Balanced Portfolio is designed for investors seeking moderate portfolio growth. It is suited for those comfortable with moderate market fluctuations and who do not plan on spending a substantial percentage of their capital base for at least 7 years.
Our Growth Portfolio is designed for investors targeting above-average portfolio growth. It is suited for those who can tolerate higher market volatility and do not plan on spending a substantial percentage of their capital base for at least 10 years.
compound Growth
compound High Growth
Our High Growth portfolio is designed for investors seeking significant portfolio growth over the long term. It is ideal for those who can accept the highest levels of market volatility and do not plan on spending a substantial percentage of their capital base for at least 15 years.
Compound portfolios are for investors looking for more retirement planning, better diversification and strategic advice.
The best
We recommend the best available choice in each asset class and replace investment managers as better options become available.
a Strategic Plan
We do more precise retirement planning because we have control over the investment choice and can monitor the style of each selected manager.
$100,000+
Compound Portfolios are accessible via the KiwiWRAP KiwiSaver Scheme which has a minimum investment balance of $100,000.
Want to know more?
Compound High Growth
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The Compound High Growth Fund is made up of over 98% growth assets, such as shares and listed property with a 2% allocation to cash.
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This fund is suitable for an investor with a investment time horizon of at least 15 years and will suit investors comfortable with a high level of volatility.
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Investments are selected based on an asset class investment philosophy. This approach draws on a wealth of academic research and seeks to enhance investment returns by tilting portfolios towards proven risk factors. Securities with smaller market capitalisation, lower relative prices and higher profitability have higher long term expected returns than those with larger market capitalisation, higher relative prices and lower profitability.
Our underlying investment managers are:
Compound Growth
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The Compound Growth Fund is made up of over 80% growth assets, such as shares and listed property with a 20% allocation to cash and fixed interest.
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This fund is suitable for an investor with a investment time horizon of at least 10 years and will suit investors comfortable with a high level of volatility.
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Investments are selected based on an asset class investment philosophy. This approach draws on a wealth of academic research and seeks to enhance investment returns by tilting portfolios towards proven risk factors. Securities with smaller market capitalisation, lower relative prices and higher profitability have higher long term expected returns than those with larger market capitalisation, higher relative prices and lower profitability.
Our underlying investment managers are:
Compound Balanced
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The Compound Balanced Fund is made up of over 60% growth assets, such as shares and listed property with a 40% allocation to cash and fixed interest.
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This fund is suitable for an investor with a investment time horizon of at least 7 years and will suit investors comfortable with an above average level of volatility.
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Investments are selected based on an asset class investment philosophy. This approach draws on a wealth of academic research and seeks to enhance investment returns by tilting portfolios towards proven risk factors. Securities with smaller market capitalisation, lower relative prices and higher profitability have higher long term expected returns than those with larger market capitalisation, higher relative prices and lower profitability.
Our underlying investment managers are:
Compound Moderate
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The Compound Moderate Fund is made up of over 40% growth assets, such as shares and listed property with a 60% allocation to cash and fixed interest.
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This fund is suitable for an investor with a investment time horizon of at least 5 years and will suit investors able to accept moderate volatility
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Investments are selected based on an asset class investment philosophy. This approach draws on a wealth of academic research and seeks to enhance investment returns by tilting portfolios towards proven risk factors. Securities with smaller market capitalisation, lower relative prices and higher profitability have higher long term expected returns than those with larger market capitalisation, higher relative prices and lower profitability.
Our underlying investment managers are:
Your KiwiSaver and Investments expert
Meet Adam
Most KiwiSaver providers offer cookie-cutter funds. At Compound Wealth, we specialise in bespoke KiwiSaver advice and investment planning designed around your goals.
Common Challenges I Solve
No clear plan for retirement outcomes
Funds that are too conservative for long-term growth
Chasing last year’s top performer
Missing opportunities to invest in funds with higher expected long-term returns
Treating KiwiSaver in isolation rather than as part of your bigger financial picture
Irregular contributions that slow growth
Our Difference
Independent advice with over 10 years’ KiwiSaver expertise. Compound Wealth is independently owned by Adam Stewart, giving us the freedom to recommend any solution we believe is best for you. We are not aligned to any specific provider.
Access to our Compound Model Portfolios for balances over $100k
Access to our Global Growth + Bitcoin Tilt solution for balances over $100k
Access to our bespoke KiwiSaver offering for balances over $300k — a personalised portfolio built around your convictions, with the flexibility to combine index funds, active global managers, alternative assets like Bitcoin, and direct equities
Transparent fees with ongoing guidance and reviews
Next Steps
Take our KiwiSaver quiz or book a free consultation to see what’s possible for you.
The Process
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Our first step is to understand where you are at now, so we can look ahead to where you are going. Complete our quick KiwiSaver Discovery Quiz.
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Book a 15-30 minute call with Adam. Ideally, we’d like to set up a Teams meeting so we can run through some live retirement planning scenarios together via our cashflow modelling software. Once Adam understands your goals for your KiwiSaver, he will prepare a report with a personalised recommendation.
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Like our recommendation? Great. Let’s push forward and maximise your KiwiSaver potential.
Portfolio Documents
Compound moderate
Compound Balanced
Compound Growth
Compound High Growth
Our Underlying Managers
Compound Portfolio FAQs
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Investments are selected based on an asset class investment philosophy. This approach draws on a wealth of academic research and seeks to enhance investment returns by tilting portfolios towards proven risk factors. Securities with smaller market capitalisation, lower relative prices and higher profitability have higher long term expected returns than those with larger market capitalisation, higher relative prices and lower profitability.
Our underlying investment managers are: -
Please refer to the specific fund fact sheets available here for more detailed information on each portfolio's structure and asset allocation.
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Consilium: As New Zealand's largest independent investment consultant, Consilium oversees $8 billion in assets. They partner with leading financial academics to provide evidence-based investment strategies, which help inform and guide the KiwiSaver portfolios at Compound Wealth.
FNZ: A global fintech firm that provides the custodial services for Compound Wealth’s KiwiSaver portfolios. FNZ manages custody of over $1 trillion in assets worldwide, ensuring secure and efficient administration of investments.
Trustees Executors: Established in 1981, Trustees Executors is one of New Zealand’s largest custodial service providers. They offer independent trustee and custodial services, ensuring that Compound Wealth’s KiwiSaver portfolios are compliant with regulatory standards and safeguard client interests.
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Compound Wealth is an independent Financial Planning firm specialised in the provision of tailored retirement strategy services. We exist to help New Zealanders make smarter financial decisions and do this by taking into account not only our client’s financial considerations but their lifestyle objectives. Founded in 2017, we now advise on over $100M of funds and continually support our 2500 plus clients with ongoing advice all across New Zealand. We pride ourselves on our digital capability and streamlined advice processes.
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Consilium’s investment processes have been independently certified by the Centre for Fiduciary Excellence (CEFEX), meeting global best practice standards. This recognition ensures that the investment strategies used in the design of Compound KiwiSaver portfolios are based on a rigorously tested, evidence-based approach.
As the first Australasian firm to receive CEFEX certification for Investment Support Services, Consilium undergoes annual audits to maintain the highest standards. This ensures that the processes behind the investment management of Compound KiwiSaver portfolios remain robust, consistent, and aligned with long-term financial goals.
With 10 years of CEFEX accreditation, Consilium’s commitment to excellence provides a solid foundation for Compound KiwiSaver portfolios, giving investors confidence in the quality and integrity of their retirement investments.
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Compound High Growth – 1.25% p.a.
Compound Growth – 1.21% p.a.
Compound Balanced – 1.16% p.a.
Compound Moderate – 1.12% p.a.These fees include fund management, platform, custodial, and our advisory fees, after tax deductions. We will provide a full breakdown of these fees when we issue your statement of advice.
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When you complete our KiwiSaver Discovery Quiz, you will receive a KiwiSaver Statement of Advice after speaking with Adam. This will include a strategic retirement plan that covers both accumulation and decumulation phases, taking into account how much you may potentially have in retirement and how long it will last based on your desired annual income.
Each year, you will receive five reports provided by Consilium as the Manager of the KiwiWRAP KiwiSaver Scheme. These include four personalised quarterly reports and an annual member statement.
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The KiwiWRAP KiwiSaver Scheme accepts direct transfers of superannuation from complying Australian superannuation schemes. The KiwiWRAP KiwiSaver Scheme will record the details of how much was transferred from the Australian scheme, as these funds cannot be used for any withdrawals, unless allowed under the KiwiSaver Rules. For more details, see the Transfer Australian Superannuation form under Documents on the KiwiWRAP website.
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The minimum $50,000 balance is only an initial requirement for the KiwiWRAP KiwiSaver Scheme. After a Member has joined the Scheme, the $50,000 balance does not need to be maintained.