FIND OUT MORE. Juno is part of Pie Funds management limited and launched in 2018- so they’re fairly new. AMP. Getting your KiwiSaver sorted is one of the most crucial aspects of your personal finance for Kiwis. It invests 40% in fixed interest and 60% in NZ and international shares. All simplicity funds have a membership fee of $30 $20 a year, plus a fund management fee of 0.30%. 3 . Yes, as you begin to consume a SuperLife diet, the principle of pure, simplicity applies even to that salt you use. Asset Allocation Detailed Breakdown. See fees, services and returns information in the Sorted KiwiSaver fund finder. Compare four ETF/Index Fund investment in NZ. 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. Fees. In this video I'll be doing a quick review of the 2 low cost Kiwisaver providers: Simplicity and Superlife in terms of: 1. One thing I would like to point out re Simplicity’s Guaranteed Income Fund is the fees. Very low fees due to non-profit structure, invests in Vanguard ETFs . You can also change your funds as well if you wish or readjust the percentage into each.Plus you are able to add lump sums as well. You can check out the detail in this blog post. Past performance is not necessarily indicative of future performance. Superlife Kiwisaver charges $30 annual. Fisher Funds. 14th Dec 16, 7:50am. Choose an investment option where the mix of income and growth assets is automatically set based on your age. I use PocketSmith to keep track of my spending, income, networth, and budgeting all in one place. Investing. GROWTH FUND. . Here is the table. Diversified Growth Funds invest in a mixture of asset classes. 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. Superlife 30 will aim to hold around 30% of growth asset and 70% of income asset in the portfolio. 15% of our fees go to the Simplicity Charitable Trust, which supports great kiwi charities doing good %) Find out more. Cove is independent Kiwi insurance company who are competitively priced. I always make sure I get the "member tax credit" annually at the very least, - with the employer contribution, this is basically money for nothing. 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. Their job is to manage and issue ETF for New Zealand stock exchange. They are currently sitting at 8.84% since inception and 16.10% for the last six months for their growth fund. Sep 2, 2018 - We’re all told that we need to invest in financial products with a low service fee. That is Simplicity, Juno, and Superlife KiwiSaver schemes. 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. 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. Oct 11, 2019 - Superlife is a young design collective based in switzerland. Calculate, mortgage rates, insurance, retirement, budgeting or debt reduction. 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. SuperLife may pass this information to the licensed supervisor, administrators, and other third parties as required, to the extent necessary for the purposes of providing and managing your account. Mercer. I’ve written about that in my How to Invest in Vanguard post. or has lifestyle inflation of the better of me. how long it takes to switch Kiwisaver check. New Zealand Stock Exchange owns SmartShares. NZ Funds. They tend to carry higher levels of risk, yet have the potential to deliver higher returns over longer investment time frames. They have no investments in fossil fuel extraction, tobacco, weapons, landmines, alcohol, nuclear energy, adult entertainment and gambling. 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. I’m assuming with Superlife you choose the funds when you start out and it’s all automated from then on? They both have pros and cons. Juno re-invested all dividends into more shares, growing the value of your fund. Simplicity vs. Superlife Kiwisaver Funds. How much do you spend on food a week? The JUNO Balanced fund aims to prove a steady growth of capital in the range of 5-10% annually after fees and tax. The $12 annual admin fee is for Superlife invest. Now open to 65s and up. 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. Fund Platforms are services that offer you access to a variety of different funds to invest in, sometimes described as a “Fund Supermarket”. The funds sit in three main categories – Managed Funds (6), Sector Funds (11) and ETF Funds (23). So basically Superlife got the most function and investment option. Let’s take a look at the options from each issuer, and the differences between all of them: 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. I believe everyone should have at least some investment in those products. Yes, Superlife/Smartshare have many Vanguard funds that they charge much more for than the underlying fund. The comparison is below- and includes providers membership fees (if they charge one). “Remember, salt is food. 0.85 % Services. 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. 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. Superlife offer the most ETF and Index Funds investment options in New Zealand. Here is the breakdown. SmartShares will direct investor to Link Market Service to register and track their ETF holdings. Superlife is the only KiwiSaver in New Zealand that offers both low fees and a broad range of investments- 38 to be specific. The named JUNO is quite interesting, it comes from the ancient ‘protectress of funds’ – Juno Moneta. 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. It assumes a static balance during the year, and is calculated on a per annum basis. The fund aims to pay investors 5% of the funds per year at age 65 for the rest of their life after tax and fees. In 2018 it was reported that the Simplicity growth fund outperformed all other KiwiSaver growth funds in the six months prior. Growth fund type. The fund has a 0.46% per annum of fund’s net value, and a $12 yearly administration fee. Low fees, 100% online, passively managed index funds. 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. The Managed Fund is is a grouping of financial assets such as stocks, bonds, and cash equivalents. Sign up for a free account. I picked a couple of index funds and ETFs from each provider and made a comparison. JOIN OR TRANSFER. Obviously- whichever Kiwisaver provider you want to use is a personal choice- but you have to make it a personal choice. SmartShares, SuperLife, Simplicity, and InvestNow are the four investment services in New Zealand that I am currently using. The Value of Education- Net Worth and Income Statistics, July 2019 Journey to Financial Freedom update. Juno claims not to be disrupting the Kiwisaver market, rather they are creating a new one. 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. They are 100% online and they give 15% of there fee to go to the Simplicity Charitable Trust, which supports other kiwi charities. But, I’ve never really looked into some KiwiSaver providers. 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. 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