SuperLife is New Zealand's only KiwiSaver provider that offers both low fees and a broad range of investment options to suit your circumstances. The Ethica fund invests in a mix of income and growth assets that are socially and ethically responsible – nothing that harms society or the environment will be included. BALANCED GROWTH FUND. It assumes a static balance during the year, and is calculated on a per annum basis. We’re already with them on the rest of our investments. The Conservative fund invests 70% of its money in income assets such as term deposits and bonds, and 30% in NZ and international shares. I have asked why and was told because of economies of scale. They are currently sitting at 8.84% since inception and 16.10% for the last six months for their growth fund. ETF & Index Fund investing in New Zealand, InvestNow holds a transitional Financial Advice Provider (FAP) license. 3 . You can check out the list of offering here. They also believe in ethical investing. Food is often one of the largest expenses for couples and families. And can be good quality or bad.” (SuperLife, pg.152) I recommend switching to a pure, unrefined salt, which is real salt the way nature intended it. You can go to Sorted.org.nz to help you figure out what fund is right for you. The entry requirement is basically nonexistent, and the cost is relatively low. The balanced fund is aimed for investors with a medium to a long-term time frame of 5 to 10 years. This is somewhat misleading as Superlife/Smarshares have boasted that they have passed the $4 billon total investment mark. Find out if your KiwiSaver fund is in the list. I'd add Simplicity (non Kiwisaver) to your list. Let’s take a look at the options from each issuer, and the differences between all of them: Compare fees, services and … Dividends you receive can be reinvested easily – Many of the shares your fund invests in will pay out dividends. Here is a breakdown. Superlife is managed by Smartshares, which is in turn owned by the New Zealand Stock Exchange. Sorted's approach is to categorise funds almost solely based on their relative levels of equity holdings - more equities = more risk. Generate. Our options: SuperLife Age Steps: An investment option where the mix of income and growth assets is automatically set based on your age. Below is how it allocates its assets. I would like to see them decrease their fees. So let’s review the KiwiSaver providers that are often recommended because they have far lower fees than the majority of KiwiSaver providers. And when the financial outlook gets worst their philosophy is to hold more cash until the outlook turns, in which case they aim to buy investments at the bottom of the market, rather than riding out the market as with index fund providers. I don’t think New Zealand needs another comparator.) I’ve heard good things about both. Choose an investment option where the mix of income and growth assets is automatically set based on your age. Real estate agents will charge you up to 5% to sell your home, but you can do it yourself But we might have a second look at Superlife due to the allocation difference. A listed PIE is a type of PIE listed on a recognised exchange in New Zealand, and they calculate the tax on a fixed rate regardless of investors PIR. Saved from superlife.ch. You may have noticed that Sharesies now offer you access to the American share market. Ethical KiwiSaver and non-KiwiSaver funds. 17. Posted by 1 year ago. Juno is part of Pie Funds management limited and launched in 2018- so they’re fairly new. Now you can compare KiwiSaver funds and choose the fund type that suits you best. Switch today in two minutes and start saving. From the feedback I’ve been getting Superlife might be the winner now. Simple %) Learn more Join Now. Save 4 months when you purchase an annual premium plan. A “re-balance” is the fancy terminology, but I’m taking the opportunity to make sure that we are sticking to our investment plan because I have a tendency to wander off track. And since you are here you can get 1 month free on any new policy. 91 % No 5-year data yet. Simplicity only offers three managed funds as conservative, balance and growth fund. So now we are faced with yet another choice for our investment dollar. I’m grateful for the hard work they do. Milford Conservative vs Morningstar NZ Multi-Sector Conservative Index. Does that matter to you? Accurate description of my international investment strategy. The majority of Simplicity fund invested in Vanguard’s funds or ETFs. There you can compare your current fund and check out other funds that are available. I did exactly that- since I have been with ANZ over the last year and knew the fees were quite high compared to what else was on offer- but being the human I am, I always put off really looking into the other options. Oct 11, 2019 - Superlife is a young design collective based in switzerland. The growth fund has been doing fairly well recently. I’ve written about that in my How to Invest in Vanguard post. The Managed Fund is is a grouping of financial assets such as stocks, bonds, and cash equivalents. ETF and Index Fund are simple, low-cost and diversified investment option with a positive result in the long term. They have a platinum debit Mastercard, but it's much cheaper than a NZ credit card when overseas! If selecting individual funds isn’t your thing then Superlife also offers several complete KiwiSaver funds called Ethica, Income, Conservative, Balanced, Groth, and High Growth. They issue the ETF for local share markets such as NZ Top 50 (FNZ), NZ Top 10 (TNZ), NZ MID CAP (MDZ) and NZ Bond (NZB). The key change being Simplicity lowering their entry point from $5,000 to $1,000 and lowering their annual administration fee from $30 to $20. It plays an important part in my plan to achieve financial freedom by only do a few smart things and nothing much else. Investor only needs to pay the management fee on an individual fund. Juno may be slightly cheaper when your balance gets large (+$200,000), but their active management philosophy doesn’t sit well for me with my kiwisaver- it has to be there in retirement. Check out another one of my post to learn about how long it takes to switch Kiwisaver check. More about Pension Transfer. by Jenée Tibshraeny. More about UK pension transfers. GROWTH FUND. Superlife offer the most ETF and Index Funds investment options in New Zealand. Simplicity offers a KiwiSaver scheme and InvestNow’s SmartShares funds are also used by SuperLife, a KiwiSaver provider. Add to watchlist; Remove from watchlist; ASB KIWISAVER SCHEME. The management fee can go as low as 0.04%. NZ Large Cap. Simplicity Kiwisaver . Superlife Kiwisaver charges $30 annual. I've made a table to compare four investment service in NZ. SuperLife offers 38 funds under four categories, each offering a different level of potential return and targeted to the needs of a different life stage. They have no investments in fossil fuel extraction, tobacco, weapons, landmines, alcohol, nuclear energy, adult entertainment and gambling. Simplicity They are 100% online and they give 15% of there fee to go to the Simplicity Charitable Trust, which supports other kiwi charities. An updated list of the Best Performing KiwiSaver Funds using 5 year returns after fees and before taxes as of Sep 2020. The fund has a 0.46% per annum of fund’s net value, and a $12 yearly administration fee. Previous Next. I still haven’t decided Simplicity or Superlife yet. They do not manage your funds – instead they act as a “middleman” between investors and Fund Managers. Great for anyone with $10,000 to start investing. Yes, as you begin to consume a SuperLife diet, the principle of pure, simplicity applies even to that salt you use. An investor can track their holding on other services like ASB securities, ANZ Securities or Share Sight. GROWTH FUND. Archived. Basically which platform do you use and why? Some fee information supplied by the fund managers may be estimated rather than actual. Smartshares, InvestNow and Simplicity are not an option for the $100 investor due to their minimum start up requirements of $500, $250 and $1,000 respectively. Diversified Growth Funds invest in a mixture of asset classes. The growth fund is the most aggressive fund Simplicity offers, with 86% in shares in International and New Zealand. The Sector fund cover different country (NZ, AUS, Overseas), industry (Property, Shares) and investment vehicle (Cash, Bond, Shares). See fees, services and returns information in the Sorted KiwiSaver fund finder. CrashAndBurn: I have some term deposits maturing next month and would like to give investing in shares a try as the current rates with banks are not good (my current TD is at 5.5%). The SuperLife Income fund invests in income-producing assets, such as company shares that pay dividends. Check out section 6 on SmartShares’ product disclosure statement. InvestNow vs Simplicity . As with all conservative funds, it’s most suited for KiwiSaver who have a short timeframe to invest or aren’t comfortable with risk. Here is a breakdown of them. A passive fund is one that will follow the market, without charging you the extra costs of employing fund managers. They believe that taking a passive investment approach will deliver a better long term result than actively investing. What I’m looking for in a Kiwisaver provider is one that has low fees, preferably passive, and offers an aggressive growth fund- I’m still fairly young- at least I keep telling myself that. I personally have a soft spot for Juno methodology after listening to the NZ investor podcast featuring the founder. They not only offer SmartShares ETF in fund format but also provide managed fund and sector fund options for the investor. NZ Funds. That leaves just Sharesies and Superlife as available fund providers. Despite being a cash payment, and as is the case with ALL KiwiSaver funds, there is no option to take this money as cash until you turn 65. As you can see the conservative fund investments largely in fixed-income (78%) and cash (2%), with the remaining in 20% in the sharemarket with most of the risk in overseas shares. 90 % Returns. NZX and ASX funds (top 10, top 50, etc) through Smart Shares That’s why I recommend the beginner to start with Superlife. Those two funds are not PIE fund, means you will have to do your own tax return. Mercer. The management fees are the lowest in New Zealand at 0.31% for managed fund. Cove is independent Kiwi insurance company who are competitively priced. The SuperLife KiwiSaver scheme investment options can be combined any way you choose and changed any time, free of charge. 7.98 % Add to watchlist; Remove from watchlist; BOOSTER KIWISAVER SCHEME. The number at the end show the target portion of growth asset in that fund. My wife and I are with simplicity ourselves. 25-10-65% split between shares, fixed interest and cash. September Update 2020: Journey to Financial Freedom update, Offers and Deals for Passive Income NZ Readers, Simplicity growth has a 0.31% total investment fee plus a $30 membership fee, SuperLife 80 has a 0.61% total investment fee plus a $30 membership fee. The above sets out a comparison of fees only. SuperLife makes the pension transfer process as simple as possible, so you can focus on your investment objectives. 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