 An example may have members aged under 35 in an aggressive fund, those aged 35 to 49 in a growth fund, those aged 50 to 59 in a balanced fund, those aged 60 to 64 in a conservative fund, and those aged 65 and over in a defensive fund.There have been concerns raised that members are not easily able to choose ethical investing due to a lack of information about the makeup of funds.In particular, investments which include profits the production of cluster munitions, landmines, and nuclear weapons have been highlighted as being illegal in New Zealand.