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KiwiSaver investment returns
SuperLife's recent KiwiSaver returns are summarised below. The returns in the table below are after the investment manager's fees and before tax. The returns that matter are the returns after tax and expenses, particularly over the longer periods. These more important returns after tax and expenses are what are shown on your statements.
SuperLife's KiwiSaver returns to 31 December 2011
| Investment Pool | 4 years (p.a.) | 3 years (p.a.) | 2 years (p.a.) | Last year |
|
Cash |
5.5% |
4.2% |
4.2% |
4.1% |
|
NZ Bonds |
9.2% |
8.0% |
9.5% |
10.8% |
|
OS Govt. Bonds |
10.7% |
7.6% |
9.5% |
8.7% |
|
OS Non-Govt. Bonds |
10.5% |
8.1% |
7.5% |
6.8% |
|
Property |
-3.3% |
9.7% |
8.4% |
8.9% |
|
NZ Shares |
-1.8% | 9.6% |
2.3% |
-3.7% |
|
Australian Shares |
-1.4% | 10.8% |
-1.2% |
-6.9% |
|
OS Shares Currency Hedged |
-2.7% | 15.1% |
6.2% |
-4.8% |
|
OS Shares (Unhedged) |
-5.7% | 0.4% |
-1.0% |
-6.2% |
|
Gemino |
-17.4% |
-3.1% |
-4.1% |
7.5% |
|
AIM30 |
5.7% |
7.9% |
6.4% |
4.2% |
|
AIM60 |
2.1% |
8.0% |
2.6% |
-3.4% |
|
AIM80 |
-1.0% |
8.0% |
2.6% |
-3.4% |
|
Managed30 |
- |
- |
- |
2.8% |
|
Managed60 |
2.5% |
6.8% |
4.2% |
0.8% |
|
AIMFirst Home |
8.4% |
7.1% |
8.2% |
8.5% |
|
Ethica |
4.8% |
6.3% |
4.2% |
3.0% |
|
The D fund |
6.8% |
8.3% |
7.3% |
6.1% |
*The above returns are after investment manager fees but before tax.
Note: Investment decisions should not be made on the basis of past performance. In most cases the recent past performance is a poor predictor of the likely performance in the immediate future.
SuperLife's returns and performance surveys
>> Find out why SuperLife does not participate in different gross return surveys.
Cash returns
While SuperLife does not currently submit its returns to performance surveys and has concerns about the accuracy and comparability of the returns that the surveys' quote, and the independence of many of the organisations compiling the surveys, we recognise that some members will take comfort from "surveys." The most reliable return comparisons relate to the cash sector returns. This is the sector where the practices and strategies of the different managers do not vary as much.
This article compares the cash returns of the different KiwiSaver providers. Returns are sorted by the three year average return. While part of the difference in returns relates to the investment approach of each provider, much of the differences will be explained by the fee differences.
>> See how our KiwiSaver returns compare with the returns of other KiwiSaver schemes.
Allocation of returns
The investment earnings for each investment option are generally allocated on a daily basis. Each morning the investments are valued using the latest price available (normally at the close of business the previous day). The investment income received and the change in market value of the assets is calculated and a proportional share, based on the amount a member has invested in that option, is allocated to the member. The tax payable on the portion that is taxable income is also calculated and the tax deducted each day. The amount shown on the member website, and in the statements, for a member in their KiwiSaver account is the amount that would be payable at that time if they were entitled to it.
>> Read more about allocation of investment returns.
See your own individual investment performance - online
Log in to your account to view how your investments have performed. If you haven't registered for web access to your account, phone us on 0800 27 87 37 for your PIN, then register online.