Christian Scheme - Income Fd

This conservative fund holds no shares at all, staking its entire portfolio on bonds and cash across three roughly equal slices: 42% international bonds, 31% New Zealand bonds, and 27% cash. The approach is blunt and deliberate, built around capital preservation rather than growth.

More than half the international bond exposure sits in two PIMCO funds domiciled in Ireland, with the ESG-screened version taking the largest single position at 20%. The cash allocation is parceled across bank accounts and term deposits with the major New Zealand banks, alongside a small holding in long-dated government stock. The management fee sits at 0.8%, with no performance or other fees layered on top. The fund carries a risk level of 2, reflecting the absence of equities and the focus on income-generating fixed interest.

Evidential runs this as part of its Christian Scheme, though the ethical framework is not detailed in the portfolio data. The structure is straightforward: bonds for income, cash for stability, and nothing exposed to share market volatility.

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