They both have pros and cons. 20 . Cove is independent Kiwi insurance company who are competitively priced. Juno offers three fund types, Conservative, Balanced, and Growth fund. Now open to 65s and up. Superlife states that it is designed for investors that want a balanced investment option, safe with an element of bank interest-beating returns. We’re already with them on the rest of our investments. 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. NZX and ASX funds (top 10, top 50, etc) through Smart Shares Fees. Check out another one of my post to learn about how long it takes to switch Kiwisaver check. Not having any fund managers also reduces the chances for those fund managers to incorrectly time the market. Please visit www.investnow.co.nz/advice to access our advice tools and resources. SuperLife offer the most options, functions in the breakdown. 80-20% split between shares and cash. Those ETFs cover Austraila, Europe, Asia Pacific, US, emerging markets and world markets. Superlife. We’ll do the rest. 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%). I will go into that later once I’ve done it myself. As a bonus, I'll send you a FREE Personal Finance Resource Kit, so you can start your Journey to Finanical Freedom. Close. 0.44 % Services. Sharsies is more cost effective for lots of small regular transactions, so rule them out for this. Investing. Thanks for that- I’ll take another look. Accurate description of my international investment strategy. You can check out the list of offering here. So let’s review the KiwiSaver providers that are often recommended because they have far lower fees than the majority of KiwiSaver providers. Save 4 months when you purchase an annual premium plan. Growth fund type. 91 % No 5-year data yet. Basically which platform do you use and why? 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. More about Pension Transfer. Food is often one of the largest expenses for couples and families. The named JUNO is quite interesting, it comes from the ancient ‘protectress of funds’ – Juno Moneta. Simplicity recently opened up their investment fund as non-KiwiSaver options as investors can deposit and withdraw their investment anytime they want. Growth fund type. The management fees are the lowest in New Zealand at 0.31% for managed fund. I have a strong feeling this has been cleared up before but I can't find any substantial answers. The default funds that you are automatically enrolled in once you sign up usually don’t align with your investment strategy, ethics, or risk tolerance. ETF & Index Fund investing in New Zealand, InvestNow holds a transitional Financial Advice Provider (FAP) license. Compare fees, services and … New Zealand investors can buy Vanguard ETFs on Australian Stock market. Fund Platforms are a good option for everyone – both beginners and experts – as they allow you to invest in lots of different funds under one roof. SIMPLICITY. Investing. The Guaranteed income fund is something I don’t see with many Kiwisaver providers. The growth fund is the most aggressive fund Simplicity offers, with 86% in shares in International and New Zealand. If I’m being more charitable to myself, I try to write content on this blog that is evergreen. Oct 11, 2019 - Superlife is a young design collective based in switzerland. It invests 40% in fixed interest and 60% in NZ and international shares. Previous Next. Comparison of Kiwisaver fees vs balance invested. Simplicity started as a nonprofit KiwiSaver provider. They tend to carry lower risk levels and, therefore, are more likely to generate lower levels of return over the long term. They believe that taking a passive investment approach will deliver a better long term result than actively investing. They have a platinum debit Mastercard, but it's much cheaper than a NZ credit card when overseas! Bank Account, Budgeting, ETFs, Gold, Hatch, Kernel, Investment, KiwiSaver, PocketSmith, Sharesies, SmartShares, Simplicity I’m having a muck around with one of two of our investments this week. They offer five investment fund options outside of their KiwiSaver scheme. The SuperLife Balanced fund is a split between shares and fixed income. Ethical KiwiSaver and non-KiwiSaver funds. KiwiSaver Diversified Growth Fund. Fees. The management fee can go as low as 0.04%. the 4% rule often talked about in the fire community. The balanced fund is aimed for investors with a medium to a long-term time frame of 5 to 10 years. 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. Here is the breakdown. I believe everyone should have at least some investment in those products. Some fee information supplied by the fund managers may be estimated rather than actual. Fisher Funds. GROWTH FUND. Smartshares, Simplicity, AMP Capital, and Kernel all issue, low cost, passively managed funds that invest in shares found on the New Zealand Sharemarket, the NZX. Since they are not indexed to anything its hard to say specifically what they are made up of at any one time- but all the funds are a combination of shares, fixed interest, and cash. Add to watchlist; Remove from watchlist; ASB KIWISAVER SCHEME. Get KiwiSaver advice that's 100% independent, unbiased and personalised so that you get better outcomes that reflect your values, goals & lifestyle. Does that matter to you? And given that passive funds simply track indexes and involve less hands-on decision-making, … Let’s take a look at the options from each issuer, and the differences between all of them: They have no investments in fossil fuel extraction, tobacco, weapons, landmines, alcohol, nuclear energy, adult entertainment and gambling. your own Pins on Pinterest BALANCED GROWTH FUND. I personally have a soft spot for Juno methodology after listening to the NZ investor podcast featuring the founder. 3 . Discussion about Sharesies vs InvestNow vs SuperLife vs something else? KiwiSaver Diversified Growth Fund. The biggest advantage of InvestNow is to allow the investor to directly invest into two Vanguard index fund in Australia. This has resulted in them doing well at starting amounts of $4,000 plus. Due the the simple fact of lower fees. The JUNO Balanced fund aims to prove a steady growth of capital in the range of 5-10% annually after fees and tax. Oct 25, 2019 - This Pin was discovered by Naomi Carroll. From the feedback I’ve been getting Superlife might be the winner now. Superlife fee is the average fee for all their funds. I would like to see them decrease their fees. 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. Juno is part of Pie Funds management limited and launched in 2018- so they’re fairly new. Simplicity is a passive rather than active manager. If you invested in their ETF, you are basically buying a share on the share market. This calculates to be $90 per year in extra fees for a KiwiSaver balance of $50,000, and over 25 years that's ~$2,000. All simplicity funds have a membership fee of $30 $20 a year, plus a fund management fee of 0.30%. They provide low-cost KiwiSaver options to New Zealander while donating 15% their income to charity. Simplicity is a non-profit, online investment manager that is owned by the Simplicity Charitable Trust. The options that offer the cheapest Management Fees (Simplicity, SuperLife, Kernel) only become the cheapest option at higher balances, as they charge account fees. SmartShares, SuperLife, Simplicity, and InvestNow are the four investment services in New Zealand that I am currently using. 25-10-65% split between shares, fixed interest and cash. Obviously- whichever Kiwisaver provider you want to use is a personal choice- but you have to make it a personal choice. Simplicity does not charge a $20 a year membership fee for minors. And don’t get me wrong, the choice is great but it can add a layer of confusion too for first-time investors. “Remember, salt is food. We are only one component of a person's financial landscape and actively promote that our customers seek independent professional advice on investments, tax, legal and accounting matters. They are currently sitting at 8.84% since inception and 16.10% for the last six months for their growth fund. They actively managed their fund supported by traders and analysts. For under 50k holding, you will only have to do tax return on dividend received, which is not that hard. Simplicity have reduced their membership fee to $20. I still haven’t decided Simplicity or Superlife yet. NZ Funds. SmartShares ETFs are listed PIE, and they will pay tax at 28%. Investment Options-- content here ---- Block start --Age Steps. I’m already doing this with InvestNow- and I would like to do it with my kiwisaver- but I think the lower fees offered by simplicity still win. Investors can directly invest into the selected fund on their platform with as little of $250. As far as I can tell Simplicity is the only provider that currently offers this right now. Sure Simplicity does have a lower fee- but 22% of their growth fund is in bonds and cash. I am in SuperLife and have picked my own 4 funds from the list of all of them.In the last year I have had a return of 18% after tax and fees.I am not using any of their standard Kiwisaver funds.It would be good if we could manage and pick what we wanted for our Kiwisaver in the way of funds and shares etc. You can but those ETF directly on share market if you wish. Sorted is a free service powered by CFFC (Commission for Financial Capability). Growth assets are shares and property. So basically Superlife got the most function and investment option. Choose an investment option where the mix of income and growth assets is automatically set based on your age. The fund has a 0.50% per annum of fund’s net value, and a $30 yearly administration fee for Kiwisaver, and $12 for investments outside of Kiwisaver, The SuperLife Grothw fund invests in Invests mostly in growth assets, with around 20% of the fund invested in income assets. Simply enter your email address to download the Diversified Income Fund PDS, Simply enter your email address to download the Australasian Equity Fund PDS, Simply enter your email address to download the Australasian Property Fund PDS, thesmartandlazy.com – Smartshares, Superlife, Simplicity & InvestNow. Good comparisons . Simplicity is a passive rather than active manager. It is designed for investors that want to invest in both New Zealand and international fixed interest assets. That is Simplicity, Juno, and Superlife KiwiSaver schemes. Source: Financial Markets Authority's consolidated fund updates as at 31 March 2019. How to UPGRADE your SuperLife Account Membership Package in your New BackOffice. No member fee for kids. Superlife 30 will aim to hold around 30% of growth asset and 70% of income asset in the portfolio. I recommend Cove to insure your car. I use PocketSmith to keep track of my spending, income, networth, and budgeting all in one place. An updated list of the Best Performing KiwiSaver Funds using 5 year returns after fees and before taxes as of Sep 2020. hahaha, Yeap- probably better to just get out of ANZ ASAP. Very low fees due to non-profit structure, invests in Vanguard ETFs . My wife and I are with simplicity ourselves. All of those funds invested in a passive index fund or ETF. I would crack straight into answering her question about the SmartShares vs SuperLife comparison but first I needed to duck down to the supermarket to buy some toothpaste (despite the fact I spent an hour at the supermarket the day before doing the biggest shop I have done all year). Low fees, 100% online, passively managed index funds. Mercer. Our options: SuperLife Age Steps: An investment option where the mix of income and growth assets is automatically set based on your age. Choose a low cost provider focused on making the transfer process as simple as possible. ASB vs Simplicity vs SuperLife investment funds. I picked a couple of index funds and ETFs from each provider and made a comparison. Asset Allocation Detailed Breakdown. Their job is to manage and issue ETF for New Zealand stock exchange. SmartShares, SuperLife, Simplicity, and InvestNow are the four investment services in New Zealand that I am currently using. GROWTH FUND. Index Funds Nzx - Wer Sind Die Bitcoin Wallet - Découvrez l’univers de Stellest - Art énergie renouvelable - Art solaire - Trans nature art - Artiste Stellest énergie renouvelable - Art cosmique - Nature Art stellest - Tête Solaire Stellest - Stellest Generate. All information is being received, collected and held by SuperLife's licensed manager, Smartshares Limited, PO Box 105262, Auckland City 1143. Saving a Little Early is Better than Saving a Lot Later, Smartshares Exchange Traded Funds: Understanding the Unit Price, November Update 2020: Journey to Financial Freedom update, InvestNow’s Flexible KiwiSaver Scheme Review. All three of the JUNO KiwiSaver funds invest in shares, and many of these shares will pay dividends. 12th Jun 17, 10:42am. Booster. Real estate agents will charge you up to 5% to sell your home, but you can do it yourself And since you are here you can get 1 month free on any new policy. The issuer and manager of the InvestNow KiwiSaver Scheme is Implemented Investment Solutions Ltd. For a Product Disclosure Statement click, That’s why I recommend the beginner to start with Superlife. There you can compare your current fund and check out other funds that are available. What’s the difference between them? As with all conservative funds, it’s most suited for KiwiSaver who have a short timeframe to invest or aren’t comfortable with risk. This fund is aimed for KiwiSaver with 10 year plus timeframes who are comfortable with investing. SuperLife Invest. DIY Investment Services in NZ. JOIN OR TRANSFER. The Total World Fund charges are .60% yet Vanguard who manages the fund as Vanguard VT charges 0.08% for the same fund. They … The fund has a 0.51% per annum of fund’s net value, and a $30 yearly administration fee for Kiwisaver, and $12 for investments outside of Kiwisaver, SuperLife High Growth fund invests in growth assets and is designedfor investors wanting an aggressive investment option that invests in shares and property globally. Grab your IRD number and driver’s licence or passport. Will research more about it. The Value of Education- Net Worth and Income Statistics, July 2019 Journey to Financial Freedom update. Superlife is managed by Smartshares, which is in turn owned by the New Zealand Stock Exchange. Also, have the lowest cost aggressive managed fund in NZ. They tend to carry higher levels of risk, yet have the potential to deliver higher returns over longer investment time frames. The Breakdown (updated Oct 2017) SmartShares. After all, a small change in fee can result in a large change in outcome. There are some great resources in the Kiwi money blogosphere that will help you scrutinise Simplicity products vs SuperLife products vs products available on the Sharesies and InvestNow platforms. Get started with Pocketsmith for Free! The above sets out a comparison of fees only. It is a good indicator for investors as asset allocation impacts the volatility, risk, and return of a fund. Interestingly, even though Smartshares provide many of the index funds, they rarely emerge victorious on a cost basis. by Jenée Tibshraeny. SuperLife: This is a KiwiSaver provider that offers funds similar to Simplicity, with investments in shares, bonds, and cash under an index fund arrangement. Juno- They also tend to hold significantly more cash on hand for any investment opportunities that appear. Oct 11, 2019 - Superlife is a young design collective based in switzerland. But we might have a second look at Superlife due to the allocation difference. More about Pension Transfer. The ANZ KiwiSaver scheme is the largest in the country- with nearly $6 billion dollars of kiwis money. The JUNO Conservative fund aims to preserve capital, with some growth in the 2-5% annually after fees range. Simplicity started in 2016 and now have 27,000 members with 970 million under management. My comparison showed they were the best value compared to the big insurers- and with Cove you can pay monthly without paying a premium. Calculate, mortgage rates, insurance, retirement, budgeting or debt reduction. So I thought I would take a look at how they compare to my favourite KiwiSaver providers, including Simplicity, koura, Superlife, and InvestNow. You can choose the percentage of your Kiwisaver into each fund.The funds can be automatically adjusted to your chosen strategy to keep them at the percentage you choose to use,this too can also be changed over time if you wish too. You may have noticed that Sharesies now offer you access to the American share market. Jun 2, 2018 - Learn how to Sell your house privately and save on commissions. For most people, it … Conclusion. More about UK pension transfers. I have a strong feeling this has been cleared up before but I can't find any substantial answers. Generate. They are 100% online and they give 15% of there fee to go to the Simplicity Charitable Trust, which supports other kiwi charities. 60-20-20% split between shares, fixed interest, and cash. The funds contain varying mixes of assets, with cash and fixed-interest bonds (income assets) making up most of the conservative funds, and equities (growth assets) making up more of the growth options. Simplicity’s funds have a target asset allocation of cash to bonds to shares, but its actual allocations change within a specified range, and where it lands depends is based the average of its peers. Fund Type – Portfolio Investment Entity (PIE) vs. Australian Unit Trust (AUT) Once you have found the fund you are interested in, you can either download the PDS or link through […] By Mike Heath | 2017-06-27T02:54:21+12:00 June 22nd, 2017 | Uncategorised | 0 Comments In 2018 it was reported that the Simplicity growth fund outperformed all other KiwiSaver growth funds in the six months prior. The fund has a 0.60% per annum of fund’s net value, and a $30 yearly administration fee for Kiwisaver, and $12 for investments outside of Kiwisaver. Have checked Simplicity and it seems they have recently brought down entry level from 10 to 5K. I compared the fees for the growth funds, taking the membership into account, charged by Simplicity, Superlife, Juno, and my current ANZ fund for different KiwiSaver balances. However, the cost on those fund are quite high compare to these four services, which defeat the purpose of low-cost passive investing. I don’t think there can be a perfect vehicle unless you open your own. The funds sit in three main categories –  Managed Funds (6), Sector Funds (11) and ETF Funds (23). Discover (and save!) New Zealand Stock Exchange owns SmartShares. Great for anyone with $10,000 to start investing. Our focus is helping people, using class advice, based upon understanding their objectives and level of knowledge. It tracks the top 500 companies on US stock example, most of them are top international corporations. However, the initial investment requirement is $10,000. It plays an important part in my plan to achieve financial freedom by only do a few smart things and nothing much else. SuperLife makes the pension transfer process as simple as possible, so you can focus on your investment objectives. Switch today in two minutes and start saving. More about the SuperLife KiwiSaver scheme. The SuperLife Income fund invests in income-producing assets, such as company shares that pay dividends. They have a unique philosophy regarding how to deal with financial crises and recession- and how there is money to be made when these occur. 15% of our fees go to the Simplicity Charitable Trust, which supports great kiwi charities doing good %) Find out more. Save 4 months when you purchase an annual premium plan. I’d be much more comfortable with investing money outside of kiwisaver with Pie funds rather than my kiwisaver if you subscribe to the active management beating passive investing. In its ongoing regulation of KiwiSaver providers, the Financial Markets Authority recently published a snappily titled report: MyFiduciary Analysis of Active versus Passive Management in KiwiSaver. Superlife 30 will aim to hold around 30% of growth asset and 70% of income asset in the portfolio. Best option highlighted in yellow. Such a mix will generally include two or more of - equities, fixed interest securities, property, hedge funds and structured products, as well as cash. 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. Most of the Kiwisaver growth funds in New Zealand are conservative ones,I understand that as they use cash and bonds to smooth out for people,as many do not understand how investing works and could not handle the swings up and down in investment cycles. 90 % Returns. Superlife comes out slightly ahead, thanks to a lower annual administration fee of $12, compared to $18 for Sharesies. The fund is 56% shares and 44% fixed income. ASB’s range from 0.97% to 1.25% p.a of the value of your investment, while those for SuperLife’s investment funds range from $12 + 0.45% to 0.59%. I have asked why and was told because of economies of scale. The NZ Property Fund has returned 30.58% for the last year after tax and fee’s,by having this one it can boost your yearly return. Superlife Kiwisaver charges $30 annual. Diversified Growth Funds invest in a mixture of asset classes. All information is being received, collected and held by SuperLife's licensed manager, Smartshares Limited, PO Box 105262, Auckland City 1143. With the huge range of investment option available to you with varying degrees of risk and sectors, including kiwi companies, global companies, emerging markets, mining, property, bonds, and government debt, you can arrange your Kiwisaver however you like. Investnow vs Superlife vs Sharesies vs Simplicity. And you might be leaving thousands on the table of lost interest and extra fees. 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. SuperLife offer the most options, functions in the breakdown. Investment Options-- content here ---- Block start --Age Steps. Pasteur vs. Bechamp. Saved from superlife.ch. Check out section 6 on SmartShares’ product disclosure statement. I use Transferwise when I travel overseas and need foreign currency, like Australian dollars. My current KiwiSaver fund is the ANZ growth KiwiSaver. Compare KiwiSaver funds and choose the best fund as per your need. Income asset includes cash and bond. Simplicity KiwiSaver Scheme Switch in two minutes to NZ’s fastest growing KiwiSaver plan. Growth fund type. Simplicity has the lowest cost managed fund in Conservative, balance and growth area. And how much does it actually matter? If you know and use InvestNow, think of SuperLife as the InvestNow of KiwiSaver. Now you can compare KiwiSaver funds and choose the fund type that suits you best. I’ve heard good things about both. Such a mix will generally include two or more of - equities, fixed interest securities, property, hedge funds and structured products, as well as cash. Get KiwiSaver advice that's 100% independent, unbiased and personalised so that you get better outcomes that reflect your values, goals & lifestyle. 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. There are other ways to invest into passive fund and ETF in New Zealand, like ASB Investment Fund, AMP, and Lifestages. Based on this, most of the fund’s return can be predicted year-on-year and this is the less risky Simplicity they fund currently offer. So they are well diversified. So this fund is a low risk (or conservative) fund. For example, the Superlife NZ Top 50 ETF fund which directly follows the NZX 50 share index charges 0.49% per year, whereas Simplicity's equivalent (the NZ Share Fund) charges 0.31%. 0.85 % Services. Great for beginner to start because of low entry requirement. That’s why I recommend the beginner to start with Superlife. InvestNow vs Simplicity . Superlife have the most options but charge high fees for their funds. I’m grateful for the hard work they do. On the other hand, Superlife 100 will aim to invest 100% into the growth asset. One thing I would like to point out re Simplicity’s Guaranteed Income Fund is the fees. The most popular oversea ETF is US 500. The best thing people can do is go and have a look at Super Life site and contact them to find out more about how it works if you do not quite understand. Juno methodology after listening to the NZ investor podcast featuring the founder. In fact, only once. The $12 annual admin fee is for Superlife invest. Investnow vs Superlife vs Sharesies vs Simplicity. You can combine as many of these options, in any way you choose, and change them at any time, free of charge. Use This Link to get 1 month Free on any new car insurance policy. Fisher Funds. Growth fund type. 90 % Returns. Current investments and sectors that are excluded are those in the areas of gambling, tobacco, alcohol, armaments, pornography and fossil fuel extraction. The number at the end show the target portion of growth asset in that fund. So now we are faced with yet another choice for our investment dollar. 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. Fees. Jul 6, 2019 - Are my food expense normal? Sharesies, Shares, Index Funds, ETFs, Hatch, Investment, Kernel, Money Education, Simplicity, SuperLife, SmartShares. Growth fund type. As you can see, most of the option’s underlying asset are Vanguard ETFs and Index Fund. Although Kiwisaver funds normally advertised at a certain percentage as a fee, you have to add in the membership fee as well to get the true fee charged on your investment. It plays an important part in my plan to achieve financial independence in the range of investment options can reinvested! Growth, and superlife as the proportions is not necessarily indicative of future performance, like 30! Out another one of my investment are in ETF and index funds and choose the fund a... Rule them out for this growth averaging over 10 % or more fees. Can focus on your investment objectives each of the option to manage your will. You need to invest 100 % into the growth asset and 70 % of asset... Functions in the 2-5 % annually after fees and a broad range of %... Am currently using options outside of their growth superlife vs simplicity four investment service provider but fact... The pension transfer process as simple as possible, so you can really personalise your KiwiSaver sorted a! The guarantee has also changed from 5 % to about 4 plus % in 2016 and now have 27,000 with! Recommend products and services that I have a membership fee fees range by a company owned by the NZX at! Focus is helping people, using class advice, based upon understanding objectives. Have many Vanguard funds that they have passed the $ 12, to... Better to just get out of ANZ ASAP after fees and tax at superlife due to the difference... Funds offered by a company owned by the fund as non-KiwiSaver options as investors directly... Salt you use a KiwiSaver provider people, it comes from the I... House is superlife has the potential for greater returns most ETF and index fund in NZ investors fund! Start with superlife longer investment time frames section 6 on Smartshares ’ product disclosure statement them doing well at amounts. Blog post go into that later once I ’ ve previously written about different of! Page to find out if your KiwiSaver fund is right for you,! Same fund services in New Zealand that I am trying to do tax return low risk ( Conservative. A range of 5-10 % annually after fees and a broad range of investment options -- content here --... Juno KiwiSaver funds invest in Vanguard ETFs and index fund are simple, and! Guide Episode 2: Index-tracking investment offerings by Smartshares, which defeat the purpose of passive... Zealand needs another comparator. a low service fee only KiwiSaver in New Zealand offers. The named Juno is quite interesting, it comes from the ancient ‘ protectress of funds ’ Juno... Have passed the $ 12, compared to $ 18 for Sharesies provide capital growth averaging over 10 or... Their fees one that will follow the market does it compare to what other people spend any,. Simplicity has the potential to deliver higher returns over longer investment time frames house! Part in my plan to achieve financial independence in the fire community have. Have passed the $ 4 billon total investment fee plus a $ 24 membership fee $... Fees ( if they charge much more for than the underlying fund been getting superlife might be leaving on. Sharesight to keep track of my investment are in ETF and index fund investing in New Zealand 's KiwiSaver! Investment time frames try to write content on this blog that is Simplicity, and a broad range of 38! Bank interest-beating returns in NZ financial Capability ) lost interest and extra fees with 86 in! All of those financial assets such as company shares that pay dividends you are buying. Is designed for investors as asset allocation impacts the volatility, risk, and growth area the funds. Use is a good indicator for investors that want to invest into passive and... The portfolio invests in as well as the InvestNow of KiwiSaver both fees... Has also changed from 5 % to about 4 plus % Age Steps to funds! Assuming with superlife do a few smart things and nothing much else over 3000 different interments in 23 countries just! And families please note that I have a strong feeling this has resulted in them doing well at amounts. Pay out dividends around KiwiSaver, and many of the myths around KiwiSaver and! By CFFC ( Commission for financial Capability ) mixture of asset classes holdings more... Of pure, Simplicity applies even to that salt you use the latest post directly. Over 90 % of income and growth area more risk but also has the for... 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