Impact Stories
Community Finance

Community Finance - community housing with Pathfinder
“Community Finance is a fascinating example of innovation through finance to solve a significant social challenge”. John Berry, Pathfinder CEO

About this company

Community Finance provide low-cost finance to New Zealand’s Community Housing Providers to build new, safe and affordable homes for Kiwis.

What makes this investment ethical?

It fits into our Community Housing positive investment theme. And it supports one of our 3 filters: Respecting people.

Why Pathfinder invested

Pathfinder has helped fund projects arranged by Community Finance (an unlisted private company) because it aligns with our community housing investment theme. We want to be part of the solution for ensuring all people in New Zealand, including our most vulnerable, have a warm, dry place to call home. Additionally, social housing transactions pay a commercial return – so from early on we saw this as a no brainer.

How will your investment in this company impact their business?

Our investment is helping Community Finance provide funding for social housing in Auckland, Wellington and Christchurch. So far Community Finance has helped The Salvation Army, CORT and the Otautahi Community Housing Trust provide social housing with income related rent subsidy for over 200 dwellings and allowed nearly 60 dwellings to be refinanced for CORT.

Pathfinder have directly helped three projects come to fruition and we are currently working on our fourth social housing project with them.

For more on the impact Community Finance is making see their impact report Impact report - communityfinance.co.nz or read our blog.

Invest in Community Finance

Which fund is right for you?

Take our short quiz to find out.

KiwiSaver Growth

  • Higher risk

Pathfinder's KiwiSaver Growth Fund is designed to grow your KiwiSaver balance. It is a higher-risk fund which means a larger percentage of your money is invested in shares. As such, you're likely to experience more ups and downs but overall higher long-term returns. This Fund may suit you if you're investing for 8+ years.

KiwiSaver Growth

  • Return Focus:
    Medium to High
  • Average annual return:
    10.1% p.a. since inception July 2019
  • Minimum suggested time frame:
    8-10 years (long term)
  • Risk focus:
    Higher

Lower Risk

1
2
3
4
5
6
7

Higher Risk

KiwiSaver Balanced

  • Steady returns

Pathfinder's KiwiSaver Balanced Fund aims for steady returns. The investment style is what the name suggests – a balanced approach. The Fund may suit if you have a medium or longer timeframe to invest, like 5+ years, or are not that comfortable with seeing dramatic ups and downs in your balance.

KiwiSaver Balanced

  • Return Focus:
    Medium
  • Average annual return:
    7.5% p.a. since inception July 2019
  • Minimum suggested time frame:
    5+ years
  • Risk focus:
    Medium

Lower Risk

1
2
3
4
5
6
7

Higher Risk

KiwiSaver Conservative

  • Lower risk

Pathfinder's KiwiSaver Conservative Fund is designed to achieve modest returns with a lower risk exposure.

KiwiSaver Conservative

  • Return Focus:
    Modest
  • Average annual return:
    4.2% p.a. since inception July 2019
  • Minimum suggested time frame:
    3-5 years
  • Risk focus:
    Lower

Lower Risk

1
2
3
4
5
6
7

Higher Risk

Ethical Growth

  • Higher risk

This award-winning Fund is filled with different asset and company types, geographies, and sectors that align with our ethical investment policy. Highly diversified, this is a great option if you are looking for a Fund that aims for above average returns over a long-term period.

Ethical Growth

  • Return Focus:
    Medium to High
  • Average annual return:
    7.2% p.a. since inception September 2020
  • Minimum suggested time frame:
    8-10 years (medium to long term)
  • Risk focus:
    Higher

Lower Risk

1
2
3
4
5
6
7

Higher Risk