MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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SuperLife Invest and KiwiSaver Review - Making Sense of 41 Funds

SuperLife KiwiSaver Review
Updated 21 October 2021
Summary of SuperLife
  • SuperLife offers the choice of 40 KiwiSaver funds and one lifecycle investment option called Age Steps. Predominately these invest in a range of index funds offered by a company owned by the NZX. 
  • The KiwiSaver funds sit in three categories -  Managed Funds (6), Sector Funds (11) and ETF Funds (23). The 23 ETF funds invest directly in their corresponding Smartshares fund (read our Smartshares review).
  • In the 12 months to 30 June 2021, six out of the top ten top-performing KiwiSaver funds were SuperLife funds per Morningstar data.
  • With the Age Steps as the Lifecycle investment option, changes the risk profile based on your age, so is a set and forget type solution. It reduces the expected volatility as you approach retirement and the need to use the funds.    
  • It's free to switch between any SuperLife fund, and you can choose one or 'My Mix' a combination of any of the funds in any proportion and change the mix at any time. Picking can be overwhelming, so it's important to read the Product Disclosure Statements and Fund Updates to understand what you will invest in.
  • There are two fees charged - an annual fee ($30) for being a SuperLife member (whether you are actively contributing to KiwiSaver or not), and the management fee for most funds sits between 0.50% to 0.70% p.a. of the average size of your investment. For example, if your SuperLife fund's balance averaged $10,000 in 2020 and your fund fee was 0.60%, your total fees would be $90 ($30 by way of the annual fee + $60 as 0.60% of $10,000).
  • SuperLife offers a number of funds targeted at different age groups with the aim of maximising growth at younger stages of life and protecting wealth as investors get older.
  • SuperLife offers a huge range of investment options with varying degrees of risk, including Kiwi companies, global companies, emerging markets, mining, property and bonds and government debt.

Read this First: Fees, Performance and Understanding What's Best For Your Situation
A lot of media attention focuses on KiwiSaver fees, but this is only one thing to consider when picking the most suitable provider and fund for your retirement needs. Being comfortable with what you're investing in is the most important aspect of saving for your retirement. 

With 41 fund options available, SuperLife offers KiwiSaver members low-fee flexibility with its fund offering. Many of the 41 funds invest in index funds, meaning they are not actively managed by a fund manager. This helps to keep the fees low and gives investors more security about where their money is invested.
 
Our Review 
In this guide, we outline what SuperLife is, what funds they offer to KiwiSaver members and how they're different to other funds, as well as looking at alternatives and the level of fees involved.
 
Please note: MoneyHub is not a Financial Adviser, and this guide has been published to explain the investment fundamentals and outline the pros and cons of SuperLife as a KiwiSaver investment option.
​
This guide covers:
  • What is an "index fund"?
  • The Specs of SuperLife
  • Superlife KiwiSaver Funds and Fees
  • Who is SuperLife Suited to?
  • 10 Things to know about SuperLife
  • Our Conclusion

Superlife KiwiSaver Review

First Steps - What is an "index fund"?

  • An index fund is a type of investment that is established to invest in or track the components of a market index, such as the New Zealand NZX50 index (our largest 50 companies) or the Standard & Poor's 500 Index (S&P 500).
  • An index fund provides diversification, as your investment is spread over many companies within the index
  • The index fund benefits from low operating expenses and management fees because the fund follows a set of rules set by the index and therefore doesn't need fund managers to make judgments or research to make the investments.
  • An index fund is different to many other managed funds, which have investment managers working to predict market movements, pick winners and make investments on your behalf to add value to your portfolio. An index fund is based on a philosophy that to predict the future accurately and regularly over many years is less than statistically possible.
  • For more information, our guide to index funds has you covered.

Superlife KiwiSaver Review

The Specs of SuperLife

  • NZX, the New Zealand Stock Exchange owns Smartshares, the manager of four SuperLife schemes and the Smartshares Exchange Traded Funds.
  • There are 41 funds open to KiwiSaver members; and in the year to June 30 2021, the annual returns ranged from 0.67% to 44%. These figures do not indicate future returns.
  • The funds available fall into four categories:
  1. SuperLifeAge Steps (1 fund). This fund is designed to meet the needs of KiwiSaver members during their lifespan; 'managed growth' funds for younger members (i.e. overseas shares) and 'managed income' which are wealth-protection funds for those close to the retirement age (i.e. New Zealand cash deposits). To see the proportion invested in each for every age, click here.  
  2. Managed Funds (6 funds). These funds include an ethical investment fund, an income-generating fund and high growth share fund. 
  3. Sector Funds (11 funds). These funds invest in specific areas, such as Cash assets in New Zealand, shares in Australia or shares in emerging markets.  
  4. ETF Funds (23 funds). Exchange Traded Funds to choose from with their own specific New Zealand and/or international holdings. Together, the 23 ETFs offered invest across New Zealand, Australia and a broad range of global stock exchanges. The 23 ETF funds invest directly in their corresponding Smartshares fund (read our Smartshares review).  
  • The diversity in funds is enormous, and understanding what to invest in can take some time.

Superlife KiwiSaver Review

SuperLife Funds and Fees

SuperLife offers a range of funds that invest in income and growth assets. Past performances do not indicate future results, but generally the characteristics of how each fund behaves remains the same, as we explain below. 

Income assets: Income assets include cash and fixed interest deposits such as bonds and government deposits. Cash assets are low-risk and generate positive returns, but the return will be lower than returns for growth assets (such as shares) in the long-term. With fixed interest assets, the return will (usually) be above cash but still below growth assets in the long run. Investing in income assets is popular with people approaching retirement who want to protect their nest egg in relatively safe investments. Younger KiwiSaver members will be more likely to invest in growth assets.

Growth assets: Growth assets include shares and property funds, which in the long-term can be expected to provide returns higher than income assets. At times, growth asset returns can be negative over the short to medium term and New Zealand and global sharemarkets go up and down.
Life Cycle Funds - SuperLifeAge Steps
  • This fund is designed to grow your fund the most while you're young, and protect it as you near retirement age. This is to maximise the nest egg you'll have at 65 while keeping it safe when you need it.
  • The fund automatically sets the proportion of your investment in income and growth assets based on your age. As SuperLife states, "as you get older, the proportion of your investment in more volatile growth assets will be reduced, lowering the expected size of the ups and downs in the value of your investment".
  • If you are 35 for example, your investment in managed growth as proportion of total investments will be higher compared to someone who is 50 as SuperLife clearly outlines.  Fee differences are minimal and decrease as you move into older steps.
  • The proportion of your investment in growth and income assets is automatically triggered by your age so there is no need to notify SuperLife.
 
The fund has a range of fees and risk indicators depending on your age:
  1. Age 20-29 years  - Annual fund fee: 0.62%. Risk indicator = 4
  2. Age 30-39 years - Annual fund fee: 0.61%. Risk indicator = 4
  3. Age 40-49 years - Annual fund fee: 0.61%. Risk indicator = 4
  4. Age 50-59 years - Annual fund fee: 0.60%. Risk indicator = 4
  5. Age 60-69 years - Annual fund fee: 0.59%. Risk indicator = 3
  6. Age 70-79 years - Annual fund fee: 0.57%. Risk indicator = 3
  7. Age 80-89 years - Annual fund fee: 0.55%. Risk indicator = 3

Managed Funds - SuperLife KiwiSaver scheme​
  1. SuperLifeIncome - Annual fund fee: 0.55%. This fund invests in income-producing assets, such as company shares that pay dividends. It is designed for investors that want to invest in both New Zealand and international fixed
    interest assets. Risk indicator = 3
  2. SuperLife30 - Annual fund fee: 0.56%. This fund invests in Invests ~70% of its money in income assets such as term deposits and bonds, and ~30% in growth assets such as shares globally. SuperLife describes the fund as a conservative investment option. Risk indicator = 3.
  3. Ethica - Annual fund fee: 0.69%. This fund invests in Invests in a mix of income and growth assets that are socially responsible - nothing that harms society or the environment will be included for example. The fund is designed for investors that want a balanced investment option. Risk indicator = 4
  4. SuperLife60 - Annual fund fee: 0.59%. This fund invests Invests in a mix of income (40%) and growth (60%) assets and is designed for investors that want a balanced investment option, i.e. safe with an element of bank interest-beating returns. in Risk indicator = 3
  5. SuperLife80 - Annual fund fee: 0.60%. This fund invests in Invests mostly in growth assets, with around 20% of the fund invested in income assets. This fund is designed for investors that want growth in their fund. Risk indicator = 4
  6. SuperLife100 - Annual fund fee: 0.62%. This fund invests in Invests in growth assets, and is designed
    for investors wanting an aggressive investment option that invests in shares and property globally.  Risk indicator = 4​
To see more details on any fund, including recent returns and the specific assets it invests in, visit SuperLife's list of funds and click on the fund name. ​
Sector Funds – SuperLife KiwiSaver scheme
  1. NZ Cash Fund - Annual fund fee: 0.52%. This fund invests in New Zealand cash and cash equivalent assets, including term deposits, and is designed for investors that want a low-risk investment option. Risk indicator = 1
  2. NZ Bonds Fund - Annual fund fee: 0.54%. This fund invests in high credit grade government and company bonds in New Zealand. Risk indicator = 2
  3. Overseas Bonds Fund - Annual fund fee: 0.59%. This fund invests in high credit grade government and company bonds around the world. Risk indicator = 3
  4. Overseas Non-government Bonds Fund - Annual fund fee: 0.54%. This fund invests in company bonds around the world, primarily in the USA, Canada and Europe. Risk indicator = 3 
  5. Property Fund - Annual fund fee: 0.58%. This fund invests in funds owning Australian (75%) and New Zealand (25%) property. Risk indicator = 4
  6. NZ Shares Fund - Annual fund fee: 0.59%. This fund invests 88% of its money in the NZX 50 (New Zealand's top 50 companies by market valuation) and 12% in other New Zealand shares. Risk indicator = 4
  7. Australian Shares Fund - Annual fund fee: 0.59%. This fund invests in Australian company shares of all sizes and operating in a number of sectors. Risk indicator = 5
  8. Overseas Shares (Currency Hedged) Fund - Annual fund fee: 0.58%. This fund invests in American, European and Asia-Pacific shares with a focus on large companies. Risk indicator = 5
  9. Overseas Shares Fund - Annual fund fee: 0.58%. This fund invests in American, European and Asia-Pacific shares with a focus on large companies. Because this fund is unhedged, if the New Zealand Dollar falls in value, the fund will increase in value as all assets are in overseas currencies. Risk indicator = 5
  10. Emerging Markets Fund - Annual fund fee: 1.04%. This fund invests in shares in a range of sectors such as financials, technology and industrial in countries such as China, India and Mexico. Risk indicator = 5
  11. UK Cash Fund - Annual fund fee: 0.49%. This fund invests in government bonds issued by the United Kingdom. The fund is also designed to make money from New Zealand Dollar and British Pound currency movements; as an example, if the British Pound gets stronger, the fund increases in value. Risk indicator = ​5
To see more details on any fund, including recent returns and the specific assets it invests in, visit SuperLife's list of funds and click on the fund name. ​
ETF Funds – SuperLife KiwiSaver scheme
  1. NZ Cash ETF Fund - Annual fund fee: 0.52%. This fund invests in New Zealand cash and cash equivalent assets such as term deposits.  Risk indicator = 2
  2. NZ Bond ETF Fund - Annual fund fee: 0.54%. This fund invests in New Zealand issued corporate and government bonds, i.e. investments which give a fixed percentage of interest. Risk indicator = 2
  3. Global Bond ETF Fund - Annual fund fee: 0.59%. This fund invests in corporate and government bonds globally. Risk indicator = 3
  4. NZ Dividend ETF Fund - Annual fund fee: 0.59%. This fund invests in New Zealand's top 25 dividend paying companies, such as Meridian Energy, Spark and Contact Energy. Such companies are highly profitable and return dividends as a priority over growth. Risk indicator = 4
  5. NZ Top 50 ETF Fund - Annual fund fee: 0.59%. This fund invests in the 50 largest companies on the New Zealand sharemarket (for example, Spark, Auckland Airport and Fletcher Building). Risk indicator = 4
  6. NZ Top 10 ETF Fund - Annual fund fee: 0.59%. This fund invests in the 10 largest listed New Zealand companies (for example, Fletcher Building, Sky City and Trade Me). Risk indicator = 5
  7. NZ Mid Cap ETF Fund - Annual fund fee: 0.59%. This fund invests in  mid-sized New Zealand companies such as A2 Milk, Air New Zealand and Chorus. Risk indicator = 4
  8. NZ Property ETF Fund - Annual fund fee: 0.59%. This fund invests in New Zealand companies that own commercial property, including Goodman Property, Kiwi Property and Precinct Property. Risk indicator = 4
  9. Australian Top 20 ETF Fund - Annual fund fee: 0.59%. This fund invests in the 20 largest listed Australian companies (for example, Westpac, Commonwealth Bank and Telstra). Risk indicator = 5
  10. Australian Dividend ETF Fund - Annual fund fee: 0.59%. This fund invests in Australia's top 50 dividend paying companies, such as Rio Tinto, Wesfarmers and Westpac. Such companies are highly profitable and return dividends as a priority over growth. Risk indicator = 5
  11. Australian Financials ETF Fund - Annual fund fee: 0.59%. This fund invests primarily in shares in Australian banks and insurance companies. Risk indicator = 6
  12. Australian Property ETF Fund - Annual fund fee: 0.59%. This fund invests in Australian companies that own commercial property. Risk indicator = 5
  13. Australian Resources ETF Fund - Annual fund fee: 0.59%. This fund invests in Australian companies operating in the energy sector or the metals and mining industry. Companies include BHP, Rio Tinto and Santos. Risk indicator = 6
  14. Australian Mid Cap ETF Fund - Annual fund fee: 0.59%. This fund invests in mid-sized Australian companies such as Seek, Bluescope Steel and Bank of Queensland. Risk indicator = 5
  15. Total World ETF Fund - Annual fund fee: 0.60%. This fund invests in large American and global companies, such as Apple, Alphabet and Amazon. Risk indicator = 5
  16. US 500 ETF Fund - Annual fund fee: 0.54%. This fund invests in the American S&P 500 index, which is America's largest 500 listed companies (for example, Apple, Alphabet and Coca-Cola). Risk indicator = 5
  17. Europe ETF Fund - Annual fund fee: 0.59%. This fund invests in Europe's largest companies listed all over the EU and the UK, including Nestle, British American Tobacco and HSBC. Risk indicator = 5
  18. Asia Pacific ETF Fund - Annual fund fee: 0.59%. This fund invests in Asia and Australia's largest companies, including Samsung, Westpac and AIA Group. Risk indicator = 5
  19. US Large Growth ETF Fund - Annual fund fee: 0.57%. This fund invests in growth shares in America, often shares with low dividends and potential for higher future profits. Risk indicator = 5
  20. US Large Value ETF Fund - Annual fund fee: 0.57%. This fund invests in large American companies - the more market value, the higher the percentage of investment. Risk indicator = 
  21. US Mid Cap ETF Fund - Annual fund fee: 0.57%. This fund invests in mid-sized American companies. Risk indicator = 5
  22. US Small Cap ETF Fund - Annual fund fee: 0.57%. This fund invests in small-sized American companies. Risk indicator = 5
  23. Emerging Markets ETF Fund - Annual fund fee: 0.73%. This fund invests in companies in emerging countries such as China, Brazil, Taiwan and South Africa. Risk indicator = 5
To see more details on any fund, including recent returns and the specific assets it invests in, visit SuperLife's list of funds and click on the fund name. 

Superlife KiwiSaver Review

Who is SuperLife suited to?

With such a diverse number of funds, there is most likely a fund for the majority of KiwiSaver members. If you're looking for an actively managed fund supported by traders and analysts, the SuperLife offering may not meet your expectations. The "Managed Funds" invest in a mix of the sector and ETF funds, so it's not an actively managed fund. 
​
Standout Features:
  1. The diverse number of funds means you can focus on particular industry sectors in specific countries, such as Australian property, New Zealand property and global emerging markets.
  2. The age-based funds combine common sense and practicality, and make a sensible option for KiwiSaver members looking for growth and protection. 
  3. It's free to change funds; the $30 annual membership fee means you can move between funds as often as you like.
  4. Fees are low - 38 of 41 funds have annual fees of between 0.50% and 0.70%.

​But be aware:
  1. Many funds that invest in overseas assets will make investments in companies trading in weapons, tobacco, nuclear and other “unethical” business. Funds investing in New Zealand may also invest in SkyCity (gambling). Only one fund, Ethica, specifically invests in assets that don't have a "negative impact on social and community outcomes" or are otherwise detrimental to the planet. 
  2. As with any investment, markets go up and down. The Dotcom bubble in the early 2000s sank global sharemarkets, as did the 2008 Global Financial Crisis. While many global sharemarkets are now at record highs, this is no guarantee of future earnings. SuperLife is clear on this fact, stating "negative annual returns may occur once in every 5-7 years on average".

Superlife KiwiSaver Review

SuperLife - What You Need to Know

1. Claims made by SuperLife:

​"Low fees and a broad range of investment options" AND
​"SuperLife's fees are among the lowest in the market" AND
"SuperLife is New Zealand’s only KiwiSaver provider offering both low fees and a broad range of investment options to suit your circumstances"

Is it True?
Yes, for the most part. The fees certainly are low - the Sorted KiwiSaver fees calculator confirms the majority of SuperLife's funds are in the lowest 30% of all KiwiSaver funds for fees. And with 41 funds to pick from, with unlimited free transfers, there is a wide choice. 

"There is no minimum investment and you can change your investment strategy any time, free of charge. You can also keep track of your KiwiSaver balance with our mobile app".“

Is it True?
Yes; SuperLife encourages online account management and tracking; your annual membership fee ($30) lets you change funds as often as you want.

"SuperLife will either invest in a fund designed to track an index or in a number of assets for the long-term".  

Is it True?
Yes; your fund has a specific objective that doesn't change, so you'll know where your money will be invested in at all times. For example, an Australian property fund will only invest in Australian property assets, a cash fund will only invest in bank and government deposits etc.  

2. The Competition – SuperLife vs Simplicity

Simplicity is another option for index fund investing; their KiwiSaver funds include a proportion of investments in cash and bonds, so they’re not 100% in shares. Also, Simplicity doesn't offer the fund diversity that SuperLife does, which limits the options for international sector investments.

3. What Others Are Saying

Personal finance journalist Mary Holm stated:  "I like its low fees, its disclosures and the way it is run" in a Herald Article in 2007.

Interest.co.nz wrote in 2012 that "SuperLife offers a diverse range of multi-sector and single-sector options and there is something to suit almost everyone's risk appetite or investment preferences".

The Bottom Line
  • Overall, SuperLife offers the most diverse number of ETFs in New Zealand some of the lowest fees when compared to other providers. In addition to that, there are no joining fees, a $30 annual membership fee and you can transfer between funds for free as many times as you want.
  • The underlying investment funds offer diversity in the sharemarket (both in New Zealand and overseas) without significant risk. While some may be classified as "active" on fund comparison sites, we see them as largely passive given there is no active trading in individual stocks and shares. 
  • SuperLife may not appeal at first - if you’re new to KiwiSaver, the choice of 41 funds may be overwhelming. To give investors some idea, each fund has a risk number (1 = lowest, 7 = highest). All SuperLife funds range from risk number 2-4, meaning no funds are overly aggressive. 

Limitations
  • If you are chasing market-beating returns, you'll probably be more suited to an actively managed fund - something with SuperLife does not offer.

Superlife KiwiSaver Review

10 Things to Know About SuperLife

Superlife KiwiSaver Review

SuperLife isn’t just a KiwiSaver scheme; the funds are open to everyone

You won't be limited to one scheme with SuperLife if you want to invest in other funds outside of KiwiSaver. What's available to KiwiSaver members is available to everyone, so you can invest in separate fund(s) or contribute more to your KiwiSaver fund.
SuperLife Review NZ

It doesn't matter what your employer's default KiwiSaver provider or fund is - you can select SuperLife and the fund you want

An employer's default provider is often mistaken for the only option available, but any of the 25+ providers and their funds are available to you. SuperLife may be unknown to your employer, but you're 100% entitled to pick it as your provider.
SuperLife Review NZ

SuperLife offers excellent investment diversification

An investment in one SuperLife fund means you’re putting money into a number of companies, so if one doesn’t perform as expected the strength of other companies will balance out the bad eggs. For example, the NZ Top 50 ETF Fund invests in the 50 largest New Zealand listed companies, so you are well diversified. Other funds invest in 500 or more companies, meaning you are even more diversified.
SuperLife Review NZ

There is no minimum investment and it's easy to take contribution holidays

As a SuperLife member, you'll pay the $30 annual membership fee. This gives you the freedom to invest as you like. And if you want to contribute above your fixed salary contribution, you can do this as little as often as you like.
SuperLife Review NZ

The performance of SuperLife is transparent

You can check the 1 month, 12 month, 1 year, 3 year and 5 year return on any SuperLife fund at any time by visiting the SuperLife investor report web page.  You'll be able to see the fees for each fund.
SuperLife Review NZ

Dividends your fund(s) receive are reinvested, meaning more cash is invested on your behalf

Many of the shares your ETF invests in pay dividends. These cash payments represent the profits from companies returning it to the shareholders, i.e. you. When a company declares a dividend, your fund will receive money and it is re-invested, growing the value of your fund. With KiwiSaver funds, there is no option to take this money as cash until you turn 65, whereby you can invest it in the SuperLife's NZ Cash fund.
SuperLife Review NZ

SuperLife offers a proven investment model by investing in index funds

Index funds historically outperform managed funds. According to Fortune Magazine, the S&P 500 (a major American sharemarket index) outperformed more than 82% of all active funds over a 15-year period. Given the low fees an index fund charges and the reliability in outperforming active funds, it's a relatively conservative approach to investment for your retirement.
SuperLife Review NZ

SuperLife isn't the only KiwiSaver index fund provider on the market

Simplicity is just one example of a provider specialising in index and/or passive funds - many others compete with SuperLife for your KiwiSaver contributions. The fees between providers vary, and as more entrants come to the market, we expect the fees charged to fall as competition heats up.
SuperLife Review NZ

SuperLife makes its investment philosophy clear

To make sure KiwiSaver members don't participate in a fund that doesn't suit their investment needs, SuperLife outlines the principles that underlie the Scheme’s broad investment philosophy as: 
  1. Passive: SuperLife believes "a passive approach to investing will deliver better long-term results...and that they "do not think that constantly changing our investments (that is, trading regularly and seeking short-term gains), consistently adds value to investors".
  2. Cost-effective: SuperLife makes "decisions based on what is practical, sensible and for the long-term. All decisions must be cost-effective – the return to you is improved by the careful management of costs".
  3. Diversified: SuperLife believes that "better and more consistent outcomes result from diversification....investing in a number of investments and reducing your risk by doing so". 
  4. Simple: SuperLife "aims to keep things simple".
SuperLife Review NZ

​Signing up isn't Complicated, but you’ll need to decide what fund(s) to invest in first

Signing up to SuperLife is relatively simple, but you’ll need to decide you fund first. If you're not sure of want to have a range of options to pick from, look at Sorted's FundFinder tool.

Superlife KiwiSaver Review

Our Conclusion​

  • We like that SuperLife charges $30 per year to be a member and charges relatively low fees for KiwiSaver funds as a whole.  
  • The 41 funds offer diversity - from specialist asset classes (i.e. property, ethical and cash) to specific indexes (i.e. New Zealand sharemarket, Australian sharemarket, emerging markets), there is something for anyone looking for a low-fees fund that can perform alongside the actively managed funds that command higher fees. 
  • SuperLife has extensive guidance on its website covering a range of topics which builds up an investor-friendly knowledge bank. 
  • The SuperLife app compliments the scheme's commitment to KiwiSaver investing being transparent and cost-effective.
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    • Introduction to Investing
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          • Other Coins
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  • Loans & Finance
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  • Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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        • MAS Review
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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  • Mobile & SIM
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