What is available?

The Koinonia Fund offers three investment pools for member investment. They are the Conservative Pool, Balanced Pool and the Growth Pool. Members can choose to invest all their funds into one pool or split their investments into the different pools depending on which investment pool(s) suits their needs.

The Conservative Pool will be wound up from 31 March 2012. In place of the Conservative Pool, an Income Pool will be established effective 1 April 2012, so from that date members will be able to choose to invest their savings in any one or a mix of the Income, Balanced and Growth investment Pools.

If members invested in the Conservative Pool on 31 March 2012 do not choose a replacement investment pool, they will be deemed to have elected to transfer all or the relevant portions of their balances (and of all future contributions) from the Conservative Pool to the Income Pool.

What are income and growth assets?

Growth assets are investments that have the potential to increase in capital value and deliver higher returns to investors (like shares and property). Growth assets can often be more volitile with swings from high to low, but overall over the long term growth assets are expected to deliver higher returns.

Income assets are investments that primarily generate an income (bank deposits and government bonds for example). These assets are less volatile and are expected to make a lower but steady return over time.

Details of the various investment pools available in the Koinonia Fund can be viewed under investment choices.

Investing ethically

The Koinonia Fund follows an Ethical Investment Policy. This can be viewed here.