Tempo gives investment advice to customers through the Tempo app. You don’t need to have any prior experience in investing to use Tempo - Tempo will give you guidance at the start and throughout your investing journey.

Tempo offers a range of managed funds put together by the Tempo Investment Committee (the Forsyth Barr Funds). These funds provide a broad selection of investment opportunities that can be combined to suit different investor types, preferences, and goals.

Our investment advice service will recommend a mix of these Funds to achieve an investing goal. This is based either on how long we estimate it’ll take to reach or what amount you could end up with, and your investor type.

In giving you that advice, we don’t enquire about or take into account the following:

• Age

• Personal circumstance (such as debt)

• Capacity to invest

• Capacity to extend an investment timeframe

Tempo also doesn’t give advice on, or consider, other investment opportunities that might also be suitable for you and your goals. The Forsyth Barr Funds and the funds they invest into are only a small subset of the potential investing universe available to New Zealanders.

Advice isn't given about whether managed funds generally – or the Forsyth Barr Funds in particular – are the most suitable investment for you and your goals.

If you want advice on those matters, you should talk to a financial adviser.

The Forsyth Barr Funds are a managed investment scheme with a range of funds that have been put together by the Tempo Investment Committee. These funds are issued by Forsyth Barr Investment Management Limited.

Managed funds are an investment that pools your money together with other investors’ money and invests it in underlying investment(s). Managed funds that directly or indirectly invest in a variety of underlying investments spread your risk across those underlying investments no matter how much you’re investing. That’s harder to achieve if you’re investing directly in bonds and shares. And with managed funds, the choice of underlying investments is left to the experts.

We aim to incorporate ESG into our investment decisions for Tempo. We undertake screening in relation to companies in the underlying funds that our global and specialist funds invest in. We apply that screening both as part of the selection processes and in our regular monitoring.

However, because we don’t manage the underlying funds that our global and specialist funds invest in, we don’t have control over the holdings within them and cannot get them to dispose of an offending investment, should one arise.  This means that when we identify a company in an underlying fund that fails our ESG screening, our decision will be whether to (a) still select or continue to hold the underlying fund, or (b) not select it or to sell it.

To learn more about the extent to which ESG factors are incorporated into Tempo’s investment choices, and the extent to which ESG factors are applied within the underlying funds that the Forsyth Barr Funds invest in, see our full ESG policy in Tempo’s Statement of Investment Policy and Objective (SIPO) Visit our disclosures and documents page to view the latest ESG disclosures.