You can spread your investments across 4 Unit Trusts.

Specialist Funds - that is, focussing on a particular area of investment.

	Term	Income/ Growth	Risk/ Return	Location
NZ Fixed Interest	medium/ long	income	low/ moderate	onshore
Corporate Bond	medium/ long	income/ growth	moderate	onshore/ offshore
Asian Sharemarket Growth	medium/ long	maximum growth	aggressive	offshore
Socially Responsible Investment	medium/ long	income/ growth	moderately aggressive	onshore

When we talk about short, medium and long term what we mean is:

Short term means from 1 to 3 years
Medium/long term means from 5 to 7 years