You can go to Sorted.org.nz to help you figure out what fund is right for you. I recommend Cove to insure your car. The 23 ETF funds invest directly in their corresponding Smartshares fund. See fees, services and returns information in the Sorted KiwiSaver fund finder. Fees 2. Fund Platforms are services that offer you access to a variety of different funds to invest in, sometimes described as a “Fund Supermarket”. 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. Sorted is a free service powered by CFFC (Commission for Financial Capability). SuperLife’s funds, however, stay a lot closer to their target allocation. Oct 11, 2019 - Superlife is a young design collective based in switzerland. Visit my Resources Page to find out how you can get 50% off Pocketsmith! That leaves just Sharesies and Superlife as available fund providers. Growth assets are shares and property. The JUNO Conservative fund aims to preserve capital, with some growth in the 2-5% annually after fees range. 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. InvestNow vs Simplicity . Simplicity have reduced their membership fee to $20. they are 30% plus $30 annual membership fee plus a whopping 1.30% insurance fee which amounts to 1.61%. Growth fund type. Simplicity offers a KiwiSaver scheme and InvestNow’s SmartShares funds are also used by SuperLife, a KiwiSaver provider. But what exactly is a low fee? They actively managed their fund supported by traders and analysts. Thanks for that- I’ll take another look. Growth fund type. 91 % No 5-year data yet. 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. Sharsies is more cost effective for lots of small regular transactions, so rule them out for this. I have asked why and was told because of economies of scale. Special offer for Passive Income Readers. Superlife 30 will aim to hold around 30% of growth asset and 70% of income asset in the portfolio. 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. I use PocketSmith to keep track of my spending, income, networth, and budgeting all in one place. 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%). Fees. or has lifestyle inflation of the better of me. The report compares the fees charged by active and passive funds. Oct 25, 2019 - This Pin was discovered by Naomi Carroll. An updated list of the Best Performing KiwiSaver Funds using 5 year returns after fees and before taxes as of Sep 2020. Those two funds are not PIE fund, means you will have to do your own tax return. Our focus is helping people, using class advice, based upon understanding their objectives and level of knowledge. The named JUNO is quite interesting, it comes from the ancient ‘protectress of funds’ – Juno Moneta. You can check out the detail in this blog post. We’re already with them on the rest of our investments. Yes, Superlife/Smartshare have many Vanguard funds that they charge much more for than the underlying fund. Simplicity is a non-profit, online investment manager that is owned by the Simplicity Charitable Trust. Sure Simplicity does have a lower fee- but 22% of their growth fund is in bonds and cash. .. Obviously- whichever Kiwisaver provider you want to use is a personal choice- but you have to make it a personal choice. That’s why I recommend the beginner to start with Superlife. 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. Source: Financial Markets Authority's consolidated fund updates as at 31 March 2019. Investing. It assumes a static balance during the year, and is calculated on a per annum basis. They also offer an investment option called Age Steps in case you don’t want to choose your mix of individual indexes or any of the above-diversified funds. I still haven’t decided Simplicity or Superlife yet. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through. NZX and ASX funds (top 10, top 50, etc) through Smart Shares Discussion about Sharesies vs InvestNow vs SuperLife vs something else? As you can see, most of the option’s underlying asset are Vanguard ETFs and Index Fund. The management fee can go as low as 0.04%. The most popular oversea ETF is US 500. Superlife states that it is designed for investors that want a balanced investment option, safe with an element of bank interest-beating returns. Simplicity started as a nonprofit KiwiSaver provider. They tend to carry higher levels of risk, yet have the potential to deliver higher returns over longer investment time frames. I don’t think there can be a perfect vehicle unless you open your own. Simple %) Learn more Join Now. 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