If I have $20,000 invested in my KiwiSaver and would like to save for house deposit in 10-12 years. As I feel comfortable taking a risk with my kiwisaver . which means am prepared to accept a significant short-term loss if am earning a higher return in the long run. I would like an advice

1. What kind of funds would I invest (e.g., moderate, balanced, conservative and cash, aggressive or growth)
2. What key factors would I look in a fund provider