Your balance · Growth Fund
$0.00
Unit prices to 22 April 2025 · updated daily
Real market shape: daily values derive from actual S&P 500 closes, 15 Apr 2024 – 22 Apr 2025, mapped to the fund’s 80/20 asset mix (diversified and partly hedged, so the fund moves at roughly half the headline index) plus Aria’s contributions.
Why it moved
April, explained exactly
Most of a balance change is plain accounting. The copilot decomposes it deterministically — only the market slice ever needs an AI explanation.
Your future
Zoom out — then try a scenario
Over 38 years, April is noise. The maths below is deterministic and computed live on this page — the AI explains results, it never invents them.
You get the full $260.72 government contribution. You put in more than $1,042.86 a year, so you receive the maximum 25c-per-$1 top-up under the 2025 Budget rules — the one universally safe recommendation in KiwiSaver.
Your fund
Is Growth still right for you?
Education, not advice — the copilot explains the trade-offs, then hands the decision to a human.
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Time horizon — 38 years to 65. Long horizons have historically rewarded riding out dips like this month’s; recoveries have followed every major fall.
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Your fund — about 80% growth assets. Expect a negative year roughly one in four, in exchange for higher long-run averages. April is what that trade-off feels like.
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Goal check — retirement, or a first home? A 3-year horizon changes the volatility story completely. Try “First home in 3 years” in the planner above.
What this copilot deliberately won’t do: tell you to switch funds. In New Zealand that’s regulated financial advice under the FMC Act — so at exactly that moment, it hands you to a person.
For the judging panel — how this works under the hood
The core design principle: AI narrates facts it is handed — it never invents causes and never does the maths. Balance changes are decomposed deterministically; only the market-returns slice gets AI explanation, grounded in the fund’s actual asset allocation and indexed market moves.
web / BNZ app
AWS Lambda + API Gateway
decomposition & projections — never the LLM
asset allocation, index moves, curated news (RAG)
+ Guardrails: advice-boundary rules, tone, topics
- Compliance-aware by design. The advice boundary (FMC Act) is enforced in guardrails, not vibes: fund-switch questions get education plus an adviser handoff, never a recommendation. Reducing panic switching also supports BNZ’s CoFI fair-conduct obligations.
- Why it matters (FMA, COVID 2020): switching ran at 7× the normal monthly rate, $1.2b moved to lower-risk funds and only $121m ever moved back — and banks saw a disproportionate share. Members aged 26–35 made ~31% of lower-risk switches.
- This demo: projections are computed live by the same deterministic engine the production system would use. Free-typed chat questions are answered by a live LLM behind a serverless proxy; the guided flows are scripted so the demo never stalls.