Smart investors know it's a marathon, not a sprint.
Time in the market, diversification, and the fees you don't pay.
It makes sense to invest Smart.
The common-sense way to invest
It’s easy to feel like everyone else has found a shortcut. A clever pick, or the next hot stock. Headlines promise more, faster, and most of it is noise.
There’s one number that really matters: your balance on the day you draw it down.
Growing that number isn't revolutionary. The principles have been around for decades. Time in the market, broad diversification and the fees you don't pay.
Time in the market
Markets rise and fall and headlines come and go. But history suggests that long-term investors are usually better off staying invested than trying to pick the perfect time to get in and out. The trouble with the “perfect” time? It’s only ever obvious afterwards.
Regular contributions and the power of compounding can make a real difference over time. Follow this principle and then get on with life, knowing that our investment team will keep an eye on the markets our funds track, keeping your money working through the noisy years as well as the good ones.
Smart is owned by NZX, which has operated New Zealand's capital markets for more than 150 years. Taking a long-term view isn't new to us.
Diversification
No single investment, sector or market gets everything right all the time. To manage risk, we avoid putting all your eggs in one basket. It’s a simple, well-proven strategy that helps smooth out market ups and downs over the long term.
Most funds managed by Smart are spread across whole markets, giving you exposure to hundreds or even thousands of companies through a single investment.
It’s a simple principle.
Don’t look for the needle. Buy the haystack.
The fees you don't pay
Every dollar you pay in fees is a dollar that’s no longer invested. And over time, it’s not just that dollar you miss out on. You also lose everything it could have earned in the years that followed.
Even small differences in fees can add up over the long term. Market-tracking investing is one way to keep investment costs low, so more of your money stays invested and more of your returns keep working for you.
Long term is a habit here
We launched New Zealand's first Exchange Traded Fund in 1996. The world of investing has changed considerably since then. The principles behind how we invest haven’t.
250,000+
investors
$18 billion +
funds under management
30+ years
helping New Zealanders invest