How does it work?

For savings, with our On Call account and Term Deposits, your money is invested in the Public Trust Common Fund. Capital and interest in the Common Fund is guaranteed by the New Zealand Government. For information about the nature and extent of the guarantee, see government guarantee.

See Public Trust's current long term issuer credit rating.

How does it work(continued)?

For investing, depending on the Fund or Funds you choose, your money is invested across a range of assets such as cash, shares, bonds and property.

When you invest you receive `units', which go up or down in price in line with the performance of investment markets.

How does it work(continued)?

The returns you get will depend on a number of factors, including the types of assets held and their performance, when you choose to withdraw funds, your Prescribed Investor Rate (PIR) tax rate, and any fees and expenses.

All investments carry risk. For further details of the risks associated with each Fund, see the Public Trust Investment Funds Investment Statement.