Christian Scheme - Balanced Fd

Forty per cent of this fund sits in international shares, but the real story is in the portfolio construction: every major holding carries a sustainability or ESG mandate, from the Dimensional Global Bond Sustainability Trust at 18 per cent down through Kernel's ESG offering and emerging markets screened through a sustainability lens.

The asset mix splits 40 per cent growth, 60 per cent income, with international bonds making up 30 per cent and New Zealand bonds another 9 per cent. Australasian shares claim 20 per cent, anchored by direct holdings in Infratil, Contact Energy, Meridian and a2 Milk. The fund charges 1.35 per cent annually in total fees, with a 0.7 per cent management fee and no performance fee. The Evidential Christian Scheme applies ethical screens across the portfolio, a structural feature that shapes both what the fund owns and what it excludes.

The allocation is orthodox balanced territory, built for moderate risk tolerance. The heavy reliance on Dimensional and Kernel funds means the portfolio leans on passive, rules-based strategies rather than active stock selection. No performance data is available yet, so the fund's track record remains unproven.

General information only, not financial advice. Past performance is not a reliable indicator of future results.