SuperLife

Returns and Fees

30 September 2020

SuperLife’s investment options are listed below, together with each option’s returns after fund charges and tax at 28% (your tax may be lower). You can combine these options any way you choose, and change them at any time, free of charge.

Important: This does not tell you how the option will perform in the future.

If you are a SuperLife investor, you can log in to see how your investments have performed.

 

Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Est. fund charges (p.a.)
SuperLife Age Steps - Age 20 -1.54% -1.84% 4.54% 6.94% 0.63%
SuperLife Age Steps - Age 30 -1.23% -0.81% 4.49% 6.47% 0.62%
SuperLife Age Steps - Age 40 -1.23% -0.81% 4.49% 6.47% 0.62%
SuperLife Age Steps - Age 50 -1.13% -0.51% 4.47% 6.31% 0.61%
SuperLife Age Steps - Age 60 -0.83% 0.27% 4.09% 5.51% 0.60%
SuperLife Age Steps - Age 70 -0.51% 1.02% 3.75% 4.75% 0.58%
SuperLife Age Steps - Age 80 0.05% 2.10% 3.09% 3.42% 0.56%
SuperLife Income Fund 0.32% 3.11% 3.51% 3.57% 0.56%
SuperLife Conservative Fund -0.29% 1.25% 4.08% 4.95% 0.57%
SuperLife Balanced Fund -0.90% 0.54% 4.55% 6.29% 0.60%
SuperLife Growth Fund -1.28% -0.98% 4.48% 6.71% 0.61%
SuperLife High Growth Fund -1.62% -2.10% 4.55% 7.05% 0.63%
Ethica Fund -1.11% 4.38% 6.12% 6.47% 0.70%
Castle Point 5 Oceans Fund -0.91% 2.59% 1.64%
S&P/NZX 50 Fund -1.66% 0.59%
NZ Shares Fund 0.62% -0.93% 8.11% 11.83% 0.59%
NZ Top 50 Fund 0.84% 2.09% 11.70% 14.19% 0.59%
NZ Top 10 Fund -3.84% 11.70% 15.14% 15.01% 0.59%
NZ Mid Cap Fund 2.62% 0.21% 10.05% 14.05% 0.59%
NZ Dividend Fund 2.02% -12.40% 4.79% 8.82% 0.59%
NZ Property Fund 2.70% -3.31% 14.17% 0.59%
S&P/ASX 200 Fund -4.48% 0.59%
Australian Shares Fund -4.14% -10.43% 1.75% 4.65% 0.59%
Australian Top 20 Fund -4.51% -12.12% 2.01% 3.76% 0.59%
Australian Mid Cap Fund -4.03% 1.98% 6.40% 9.94% 0.59%
Australian Dividend Fund -6.48% -14.06% -1.71% -0.41% 0.59%
Australian Financials Fund -6.85% -26.38% -7.67% -1.47% 0.59%
Australian Resources Fund -6.37% -4.49% 9.48% 12.85% 0.59%
Australian Property Fund -3.02% -18.45% 2.35% 4.13% 0.59%
US 500 Fund -2.75% 7.96% 13.58% 11.07% 0.54%
US Large Growth Fund -2.86% 29.79% 22.29% 15.70% 0.57%
US Large Value Fund -1.83% -9.47% 5.45% 6.68% 0.57%
US Mid Cap Fund -0.40% 0.66% 9.32% 7.99% 0.57%
US Small Cap Fund -1.78% -4.67% 5.73% 6.33% 0.57%
Overseas Shares Fund -1.20% 0.01% 6.90% 6.94% 0.58%
Overseas Shares (Currency Hedged) Fund -2.40% -1.89% 2.59% 7.26% 0.58%
Total World Fund -1.84% 3.54% 8.20% 7.58% 0.60%
Total World (NZD Hedged) Fund -3.20% 0.58%
Asia Pacific Fund 2.52% -0.21% 4.04% 4.84% 0.59%
Emerging Markets Fund -2.72% 2.10% 2.90% 5.06% 0.73%
Europe Fund -1.57% -5.16% 1.23% 2.19% 0.59%
Global Property Fund -1.88% -16.76% 2.95% 4.62% 0.58%
NZ Bonds Fund 0.33% 4.10% 4.35% 3.87% 0.54%
S&P/NZX NZ Government Bond Fund 0.52% 0.54%
Overseas Bonds Fund 0.42% 3.34% 3.34% 3.54% 0.59%
Overseas Non-government Bonds Fund 0.27% 2.54% 3.05% 3.29% 0.54%
Global Aggregate Bond Fund 0.37% 0.59%
NZ Cash Fund 0.05% 0.92% 1.48% 1.68% 0.52%
UK Cash Fund -1.04% -0.41% 0.89% -3.30% 0.49%
Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Est. fund charges (p.a.)
SuperLife Age Steps - Age 20 -1.50% -1.78% 4.61% 0.53%
SuperLife Age Steps - Age 30 -1.20% -0.76% 4.56% 0.52%
SuperLife Age Steps - Age 40 -1.20% -0.76% 4.56% 0.52%
SuperLife Age Steps - Age 50 -1.10% -0.45% 4.53% 0.51%
SuperLife Age Steps - Age 60 -0.80% 0.33% 4.16% 0.50%
SuperLife Age Steps - Age 70 -0.49% 1.07% 3.82% 0.48%
SuperLife Age Steps - Age 80 0.05% 2.15% 3.15% 0.46%
SuperLife Income Fund 0.32% 3.14% 3.56% 0.46%
SuperLife Conservative Fund -0.28% 1.32% 4.15% 0.47%
SuperLife Balanced Fund -0.87% 0.61% 4.62% 0.50%
SuperLife Growth Fund -1.26% -0.85% 4.58% 0.51%
SuperLife High Growth Fund -1.58% -2.05% 4.62% 0.53%
Ethica Fund -1.10% 4.45% 6.15% 0.60%
Castle Point 5 Oceans Fund -0.90% 4.56% 1.54%
S&P/NZX 50 Fund -1.65% 0.49%
NZ Shares Fund 0.62% -0.99% 8.07% 0.49%
NZ Top 50 Fund 0.84% 2.05% 11.69% 0.49%
NZ Top 10 Fund -3.83% 11.70% 15.11% 0.49%
NZ Mid Cap Fund 2.61% 0.17% 10.03% 0.49%
NZ Dividend Fund 1.99% -12.41% 4.78% 0.49%
NZ Property Fund 2.69% -3.34% 14.13% 0.49%
S&P/ASX 200 Fund -4.47% 0.49%
Australian Shares Fund -4.08% -10.41% 1.75% 0.49%
Australian Top 20 Fund -4.46% -12.03% 2.09% 0.49%
Australian Mid Cap Fund -3.98% 1.92% 6.42% 0.49%
Australian Dividend Fund -6.26% -13.74% -1.58% 0.49%
Australian Financials Fund -6.79% -26.27% -7.54% 0.49%
Australian Resources Fund -6.26% -4.41% 9.47% 0.49%
Australian Property Fund -3.05% -18.47% 2.34% 0.49%
US 500 Fund -2.72% 8.02% 13.64% 0.44%
US Large Growth Fund -2.83% 29.54% 22.26% 0.47%
US Large Value Fund -1.80% -9.29% 5.59% 0.47%
US Mid Cap Fund -0.39% 0.75% 9.41% 0.47%
US Small Cap Fund -1.75% -4.50% 5.85% 0.47%
Overseas Shares Fund -1.17% 0.08% 6.98% 0.48%
Overseas Shares (Currency Hedged) Fund -2.29% -1.70% 2.74% 0.48%
Total World Fund -1.82% 3.62% 8.32% 0.50%
Total World (NZD Hedged) Fund -3.19% 0.48%
Asia Pacific Fund 2.50% -0.10% 4.12% 0.49%
Emerging Markets Fund -2.68% 2.09% 2.90% 0.63%
Europe Fund -1.55% -5.09% 1.31% 0.49%
Global Property Fund -1.87% -16.49% 3.07% 0.48%
NZ Bonds Fund 0.33% 4.12% 4.39% 0.44%
S&P/NZX NZ Government Bond Fund 0.52% 0.44%
Overseas Bonds Fund 0.41% 3.31% 3.37% 0.49%
Overseas Non-government Bonds Fund 0.27% 2.62% 3.11% 0.44%
Global Aggregate Bond Fund 0.38% 0.49%
NZ Cash Fund 0.06% 0.98% 1.56% 0.42%
UK Cash Fund -1.04% -0.26% 1.02% 0.39%
Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Est. fund charges (p.a.)
SuperLife Age Steps - Age 20 -1.49% -1.82% 4.60% 7.04% 0.53%
SuperLife Age Steps - Age 30 -1.18% -0.78% 4.55% 6.56% 0.52%
SuperLife Age Steps - Age 40 -1.18% -0.78% 4.55% 6.56% 0.52%
SuperLife Age Steps - Age 50 -1.09% -0.48% 4.53% 6.41% 0.51%
SuperLife Age Steps - Age 60 -0.79% 0.31% 4.16% 5.60% 0.50%
SuperLife Age Steps - Age 70 -0.48% 1.07% 3.82% 4.84% 0.48%
SuperLife Age Steps - Age 80 0.06% 2.17% 3.17% 3.50% 0.46%
SuperLife Income Fund 0.33% 3.19% 3.59% 3.65% 0.46%
SuperLife Conservative Fund -0.28% 1.31% 4.14% 5.04% 0.47%
SuperLife Balanced Fund -0.88% 0.59% 4.62% 6.39% 0.50%
SuperLife Growth Fund -1.25% -0.94% 4.56% 6.82% 0.51%
SuperLife High Growth Fund -1.56% -2.09% 4.61% 7.15% 0.53%
Ethica Fund -1.11% 4.49% 6.20% 6.55% 0.60%
Castle Point 5 Oceans Fund -0.90% 2.60% 1.54%
S&P/NZX 50 Fund -1.63% 0.49%
NZ Shares Fund 0.63% -0.86% 8.17% 11.88% 0.49%
NZ Top 50 Fund 0.85% 2.16% 11.79% 14.32% 0.49%
NZ Top 10 Fund -3.83% 11.78% 15.22% 15.16% 0.49%
NZ Mid Cap Fund 2.79% 0.75% 10.32% 14.16% 0.49%
NZ Dividend Fund 2.02% -12.36% 4.88% 8.79% 0.49%
NZ Property Fund 2.71% -3.24% 14.23% 0.49%
S&P/ASX 200 Fund -4.47% 0.49%
Australian Shares Fund -4.15% -10.37% 1.80% 4.74% 0.49%
Australian Top 20 Fund -4.50% -12.04% 2.10% 3.63% 0.49%
Australian Mid Cap Fund -4.03% 2.05% 6.46% 10.02% 0.49%
Australian Dividend Fund -6.46% -14.09% -1.63% -0.22% 0.49%
Australian Financials Fund -6.83% -26.22% -7.57% -1.38% 0.49%
Australian Resources Fund -6.36% -4.47% 9.53% 12.25% 0.49%
Australian Property Fund -3.01% -18.39% 2.40% 4.19% 0.49%
US 500 Fund -2.73% 8.03% 13.60% 11.29% 0.44%
US Large Growth Fund -2.85% 29.91% 22.34% 15.77% 0.47%
US Large Value Fund -1.82% -9.39% 5.43% 6.73% 0.47%
US Mid Cap Fund -0.40% 0.79% 9.35% 8.04% 0.47%
US Small Cap Fund -1.77% -4.58% 5.82% 6.35% 0.47%
Overseas Shares Fund -1.19% 0.07% 6.98% 7.03% 0.48%
Overseas Shares (Currency Hedged) Fund -2.22% -2.04% 2.60% 7.35% 0.48%
Total World Fund -1.83% 3.60% 8.31% 7.65% 0.50%
Total World (NZD Hedged) Fund -3.19% 0.48%
Asia Pacific Fund 2.52% -0.15% 4.08% 4.95% 0.49%
Emerging Markets Fund -2.71% 2.17% 2.97% 5.14% 0.63%
Europe Fund -1.56% -5.10% 1.31% 2.69% 0.49%
Global Property Fund -1.91% -16.67% 3.02% 4.71% 0.48%
NZ Bonds Fund 0.33% 4.18% 4.42% 3.95% 0.44%
S&P/NZX NZ Government Bond Fund 0.52% 0.44%
Overseas Bonds Fund 0.42% 3.42% 3.41% 3.62% 0.49%
Overseas Non-government Bonds Fund 0.28% 2.61% 3.11% 3.39% 0.44%
Global Aggregate Bond Fund 0.38% 0.49%
NZ Cash Fund 0.06% 0.99% 1.56% 1.76% 0.42%
UK Cash Fund -1.07% -0.36% 0.97% -3.06% 0.39%
Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Est. fund charges (p.a.)
SuperLife Age Steps - Age 20 -1.54% -1.65% 4.60% 7.00% 0.64%
SuperLife Age Steps - Age 30 -1.23% -0.66% 4.54% 6.49% 0.63%
SuperLife Age Steps - Age 40 -1.23% -0.66% 4.54% 6.49% 0.63%
SuperLife Age Steps - Age 50 -1.14% -0.36% 4.51% 6.32% 0.62%
SuperLife Age Steps - Age 60 -0.83% 0.37% 4.11% 5.49% 0.61%
SuperLife Age Steps - Age 70 -0.51% 1.08% 3.76% 4.71% 0.59%
SuperLife Age Steps - Age 80 0.05% 2.09% 3.06% 3.31% 0.57%
SuperLife Income Fund 0.32% 3.07% 3.48% 3.40% 0.57%
SuperLife Conservative Fund -0.29% 1.26% 4.07% 4.97% 0.58%
SuperLife Balanced Fund -0.90% 0.62% 4.56% 6.33% 0.61%
SuperLife Growth Fund -1.29% -0.87% 4.51% 6.75% 0.62%
SuperLife High Growth Fund -1.62% -1.91% 4.61% 7.12% 0.64%
Ethica Fund -1.11% 4.27% 6.04% 6.43% 0.71%
Castle Point 5 Oceans Fund -0.90% 2.60% 1.65%
S&P/NZX 50 Fund -1.64% 0.60%
NZ Shares Fund 0.62% -0.94% 8.03% 11.77% 0.60%
NZ Top 50 Fund 0.84% 2.08% 11.66% 14.20% 0.60%
NZ Top 10 Fund -3.84% 11.64% 15.05% 14.97% 0.60%
NZ Mid Cap Fund 2.62% 0.19% 9.98% 13.91% 0.60%
NZ Dividend Fund 2.01% -12.37% 4.75% 8.68% 0.60%
NZ Property Fund 2.70% -3.32% 14.11% 0.60%
S&P/ASX 200 Fund -4.48% 0.60%
Australian Shares Fund -4.13% -10.41% 1.70% 4.64% 0.60%
Australian Top 20 Fund -4.49% -12.03% 2.04% 3.64% 0.60%
Australian Mid Cap Fund -4.02% 2.02% 6.38% 9.94% 0.60%
Australian Dividend Fund -6.38% -13.51% -1.50% -0.15% 0.60%
Australian Financials Fund -6.77% -26.04% -7.49% -1.32% 0.60%
Australian Resources Fund -6.33% -4.35% 9.44% 12.19% 0.60%
Australian Property Fund -3.00% -18.36% 2.42% 4.17% 0.60%
US 500 Fund -2.75% 7.99% 13.58% 11.21% 0.55%
US Large Growth Fund -2.86% 29.70% 22.32% 15.73% 0.58%
US Large Value Fund -1.82% -9.37% 5.51% 6.75% 0.58%
US Mid Cap Fund -0.40% 0.62% 9.33% 8.00% 0.58%
US Small Cap Fund -1.76% -4.40% 5.90% 6.44% 0.58%
Overseas Shares Fund -1.20% 0.07% 6.91% 6.97% 0.59%
Overseas Shares (Currency Hedged) Fund -2.41% -1.33% 2.81% 7.41% 0.59%
Total World Fund -1.84% 3.60% 8.26% 7.61% 0.61%
Total World (NZD Hedged) Fund -3.20% 0.59%
Asia Pacific Fund 2.52% -0.14% 4.05% 4.89% 0.60%
Emerging Markets Fund -2.72% 2.11% 2.88% 5.04% 0.74%
Europe Fund -1.57% -5.12% 1.25% 2.58% 0.60%
Global Property Fund -1.87% -16.90% 2.85% 4.57% 0.59%
NZ Bonds Fund 0.33% 4.08% 4.32% 3.87% 0.55%
S&P/NZX NZ Government Bond Fund 0.51% 0.55%
Overseas Bonds Fund 0.42% 3.29% 3.31% 3.53% 0.60%
Overseas Non-government Bonds Fund 0.27% 2.48% 3.00% 3.30% 0.55%
Global Aggregate Bond Fund 0.38% 0.60%
NZ Cash Fund 0.05% 0.91% 1.43% 1.66% 0.53%
UK Cash Fund -1.05% -0.33% 0.92% -3.18% 0.50%

 

The fund charges set out above are a percentage per annum of the investment option’s net asset value and are deducted from, and reflected in the value of, the option. The fund charges include the fees and costs charged by the supervisor and custodians (together with the fees and costs charged by any other funds we invest in). They also include our regulatory and compliance costs. Some of these costs are not fixed, so the fund charges set out above include an estimate of these costs.

Some of the underlying funds that the Castle Point 5 Oceans Fund invests in (via the Castle Point Funds Scheme’s Castle Point 5 Oceans Fund) charge performance fees. We cannot make a reasonable estimate of these performance fees, so the fund charge set out above is an estimate.

 

The following fees also apply:

SuperLife Invest

  • Administration fee - $12 a year (regardless of the number of investment options you invest in, or the number of times you change investment options).
  • Paper statements fee - you will only be charged this fee if you choose to receive statements and other SuperLife communications in paper form. The fee is $18 a year.
  • Insurance administration fee – if you insure yourself through the Scheme, you will be charged each year an insurance administration fee of $33 per type of cover (life and total and permanent disablement, or income protection) and 8.8% of the premium.
  • The administration fee, paper statements fee and fixed dollar amount part of the insurance administration fee are stated net of an income tax deduction applied in calculating your PIE tax payable (the deduction is paid to us). The relevant gross fee is calculated using your PIR.
  • Financial adviser fee - you will only be charged this fee if you have a financial adviser and have agreed with your adviser that he/she will be paid a fee for providing you financial advice. The amount of this fee is to be agreed between you and your financial adviser and set out in the application form.

SuperLife KiwiSaver scheme

  • Administration fee - $30 a year (regardless of the number of investment options you invest in, or the number of times you change investment options). The administration fee is stated net of an income tax deduction applied in calculating your PIE tax payable (the deduction is paid to us). The gross fee is calculated using your PIR.
  • Financial adviser fee - you will only be charged this fee if you have a financial adviser and have agreed with your adviser that he/she will be paid a fee for providing you financial advice. The amount of this fee is to be agreed between you and your financial adviser and set out in the application form. The maximum financial adviser fee you can agree with your financial adviser is: (a) 0.50% per annum of your account balance; or (b) $500 per annum.

SuperLife UK pension transfer scheme

  • Administration fee - $60 a year (regardless of the number of investment options you invest in, or the number of times you change investment options). The administration fee is stated net of an income tax deduction applied in calculating your tax payable (the deduction is paid to us). The gross fee is calculated using a 28% tax rate.
  • Entry fee - you will be charged this fee when you transfer money into the Scheme from a UK pension scheme or another ROPS. The fee is 1% of the amount transferred or $500 (whichever is greater).
  • Exit fee - you will be charged this fee if you transfer your investment from the Scheme to a UK pension scheme or another ROPS. The fee is 1% of the amount transferred or $500 (whichever is greater).
  • Financial adviser fee - you will only be charged this fee if you have a financial adviser and have agreed with your adviser that he/she will be paid a fee for providing you financial advice. The amount of this fee is to be agreed between you and your financial adviser and set out in the application form. The maximum financial adviser fee you can agree with your financial adviser is: (a) 1.00% per annum of the amount transferred into the Scheme from a UK pension scheme or ROPS or, after a year, your account balance; or (b) $500 per annum.

SuperLife workplace savings scheme

  • Administration fee - $12 a year (regardless of the number of investment options you invest in, or the number of times you change investment options).
  • Paper statements fee - you will only be charged this fee if you choose to receive statements and other SuperLife communications in paper form. The fee is $18 a year.
  • Insurance administration fee – if you insure yourself through the Scheme (over and above any insurance through your employer), you will be charged each year an insurance administration fee of $33 per type of cover (life and total and permanent disablement, or income protection) and 8.8% of the premium.
  • Transfer fee – you will only be charged this fee if you transfer money from your member account to a KiwiSaver scheme and the transfer is to a KiwiSaver scheme other than the SuperLife KiwiSaver scheme. The fee is $50 for each transfer.
  • The administration fee, paper statements fee, fixed dollar amount part of the insurance administration fee and transfer fee are stated net of an income tax deduction applied in calculating your PIE tax payable (the deduction is paid to us). The relevant gross fee is calculated using your PIR.

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