SuperLife

Invest with SuperLife

Whether you join SuperLife for your investments, KiwiSaver or overseas pension, or via your employer, you have the same broad range of investment options to choose from. The investment options can be combined in any way you choose, and changed at any time, free of charge.

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Returns and Fees

30 June 2019

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 3.12% 6.76% 10.20% 8.71% 0.63%
SuperLife Age Steps - Age 30 2.75% 6.54% 9.01% 7.92% 0.62%
SuperLife Age Steps - Age 40 2.75% 6.54% 9.01% 7.92% 0.62%
SuperLife Age Steps - Age 50 2.63% 6.46% 8.64% 7.66% 0.61%
SuperLife Age Steps - Age 60 2.13% 5.76% 7.18% 6.56% 0.60%
SuperLife Age Steps - Age 70 1.67% 5.18% 5.77% 5.53% 0.58%
SuperLife Age Steps - Age 80 0.90% 4.19% 3.36% 3.76% 0.56%
Ethica 2.71% 7.13% 5.90% 7.96% 0.70%
SuperLife Income 0.89% 4.89% 2.91% 3.68% 0.56%
SuperLife Conservative 1.43% 5.93% 5.41% 5.55% 0.57%
SuperLife Balanced 2.30% 6.37% 7.68% 7.13% 0.60%
SuperLife Growth 2.70% 6.50% 9.21% 8.21% 0.61%
SuperLife High Growth 3.21% 6.81% 10.50% 8.91% 0.63%
NZ Cash Fund 0.14% 1.74% 1.83% 2.12% 0.52%
NZ Cash ETF Fund 0.13% 1.69% 1.78% 0.52%
UK Cash Fund -1.76% -1.88% -0.35% -0.60% 0.49%
NZ Bonds Fund 0.48% 4.80% 3.41% 4.26% 0.54%
Overseas Bonds Fund 1.04% 4.71% 3.02% 3.84% 0.59%
Overseas Non-government Bonds Fund 1.05% 5.66% 2.02% 3.00% 0.54%
NZ Property Fund 5.83% 30.66% 12.77% 0.59%
Australian Property Fund 1.28% 12.49% 8.08% 0.59%
Global Property Fund 2.34% 14.38% 8.02% 10.49% 0.58%
NZ Shares Fund 4.27% 17.06% 11.70% 12.39% 0.59%
NZ Top 50 Fund 4.24% 16.75% 15.08% 0.59%
NZ Top 10 Fund 2.59% 15.17% 12.35% 0.59%
NZ Dividend Fund 6.72% 22.98% 12.45% 0.59%
NZ Mid Cap Fund 5.16% 17.71% 17.30% 0.59%
Australian Shares Fund 3.03% 6.79% 12.12% 9.09% 0.59%
Australian Top 20 Fund 2.37% 7.30% 11.76% 0.59%
Australian Dividend Fund 0.16% 1.66% 7.75% 0.59%
Australian Financials Fund 1.71% 2.20% 8.04% 0.59%
Australian Resources Fund 4.67% 9.40% 24.81% 0.59%
Australian Mid Cap Fund 0.77% -1.72% 10.76% 0.59%
Overseas Shares (Currency Hedged) Fund 3.81% 3.56% 11.38% 7.62% 0.58%
Overseas Shares Fund 1.46% 3.72% 12.19% 10.48% 0.58%
Asia Pacific Fund 1.03% -3.74% 8.95% 0.59%
Emerging Markets Fund 2.42% 4.10% 9.78% 6.27% 0.73%
Europe Fund 1.35% 0.61% 10.02% 0.59%
Total World Fund 1.53% 3.81% 12.26% 0.60%
US Large Growth Fund 1.56% 8.56% 16.97% 0.57%
US 500 Fund 1.68% 8.92% 14.90% 0.54%
US Large Value Fund 1.78% 8.11% 12.99% 0.57%
US Mid Cap Fund 1.78% 5.81% 12.97% 0.57%
US Small Cap Fund 1.24% -0.11% 13.22% 0.57%
Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Est. fund charges (p.a.)
SuperLife Age Steps - Age 20 3.14% 6.81% 0.53%
SuperLife Age Steps - Age 30 2.76% 6.59% 0.52%
SuperLife Age Steps - Age 40 2.76% 6.59% 0.52%
SuperLife Age Steps - Age 50 2.64% 6.51% 0.51%
SuperLife Age Steps - Age 60 2.14% 5.82% 0.50%
SuperLife Age Steps - Age 70 1.68% 5.24% 0.48%
SuperLife Age Steps - Age 80 0.90% 4.25% 0.46%
Ethica 2.68% 7.14% 0.60%
SuperLife Income 0.89% 4.93% 0.46%
SuperLife Conservative 1.43% 5.97% 0.47%
SuperLife Balanced 2.31% 6.42% 0.50%
SuperLife Growth 2.71% 6.55% 0.51%
SuperLife High Growth 3.23% 6.86% 0.53%
NZ Cash Fund 0.14% 1.83% 0.42%
NZ Cash ETF Fund 0.13% 1.76% 0.42%
UK Cash Fund -1.76% -1.72% 0.39%
NZ Bonds Fund 0.48% 4.84% 0.44%
Overseas Bonds Fund 1.05% 4.77% 0.49%
Overseas Non-government Bonds Fund 1.04% 5.68% 0.44%
NZ Property Fund 5.79% 30.58% 0.49%
Australian Property Fund 1.28% 12.42% 0.49%
Global Property Fund 2.32% 14.30% 0.48%
NZ Shares Fund 4.26% 16.95% 0.49%
NZ Top 50 Fund 4.23% 16.72% 0.49%
NZ Top 10 Fund 2.59% 15.14% 0.49%
NZ Dividend Fund 6.65% 22.82% 0.49%
NZ Mid Cap Fund 5.13% 17.65% 0.49%
Australian Shares Fund 3.02% 6.73% 0.49%
Australian Top 20 Fund 2.37% 7.35% 0.49%
Australian Dividend Fund 0.16% 1.61% 0.49%
Australian Financials Fund 1.72% 2.38% 0.49%
Australian Resources Fund 4.65% 9.29% 0.49%
Australian Mid Cap Fund 0.77% -1.66% 0.49%
Overseas Shares (Currency Hedged) Fund 3.89% 3.62% 0.48%
Overseas Shares Fund 1.46% 3.79% 0.48%
Asia Pacific Fund 1.03% -3.69% 0.49%
Emerging Markets Fund 2.43% 4.06% 0.63%
Europe Fund 1.36% 0.64% 0.49%
Total World Fund 1.56% 3.87% 0.50%
US Large Growth Fund 1.57% 8.60% 0.47%
US 500 Fund 1.68% 8.95% 0.44%
US Large Value Fund 1.78% 8.19% 0.47%
US Mid Cap Fund 1.79% 5.91% 0.47%
US Small Cap Fund 1.25% -0.02% 0.47%
Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Est. fund charges (p.a.)
SuperLife Age Steps - Age 20 3.13% 6.84% 10.31% 8.82% 0.53%
SuperLife Age Steps - Age 30 2.76% 6.62% 9.11% 8.02% 0.52%
SuperLife Age Steps - Age 40 2.76% 6.62% 9.11% 8.02% 0.52%
SuperLife Age Steps - Age 50 2.64% 6.54% 8.73% 7.76% 0.51%
SuperLife Age Steps - Age 60 2.14% 5.84% 7.27% 6.66% 0.50%
SuperLife Age Steps - Age 70 1.67% 5.26% 5.85% 5.62% 0.48%
SuperLife Age Steps - Age 80 0.90% 4.26% 3.44% 3.84% 0.46%
Ethica 2.69% 7.20% 5.98% 8.04% 0.60%
SuperLife Income 0.89% 4.96% 2.98% 3.75% 0.46%
SuperLife Conservative 1.43% 6.00% 5.49% 5.64% 0.47%
SuperLife Balanced 2.31% 6.46% 7.77% 7.25% 0.50%
SuperLife Growth 2.71% 6.59% 9.32% 8.31% 0.51%
SuperLife High Growth 3.22% 6.89% 10.60% 9.02% 0.53%
NZ Cash Fund 0.14% 1.83% 1.92% 2.22% 0.42%
NZ Cash ETF Fund 0.13% 1.76% 1.86% 0.42%
UK Cash Fund -1.69% -1.73% -0.07% -0.41% 0.39%
NZ Bonds Fund 0.48% 4.87% 3.49% 4.34% 0.44%
Overseas Bonds Fund 1.05% 4.79% 3.09% 3.93% 0.49%
Overseas Non-government Bonds Fund 1.04% 5.71% 2.10% 3.11% 0.44%
NZ Property Fund 5.81% 30.70% 12.76% 0.49%
Australian Property Fund 1.28% 12.53% 8.18% 0.49%
Global Property Fund 2.32% 14.44% 8.12% 10.55% 0.48%
NZ Shares Fund 4.27% 17.08% 11.79% 12.44% 0.49%
NZ Top 50 Fund 4.27% 16.87% 15.24% 0.49%
NZ Top 10 Fund 2.60% 15.25% 12.44% 0.49%
NZ Dividend Fund 6.70% 23.00% 12.46% 0.49%
NZ Mid Cap Fund 5.17% 17.87% 17.38% 0.49%
Australian Shares Fund 3.03% 6.84% 12.21% 9.16% 0.49%
Australian Top 20 Fund 2.37% 7.39% 11.66% 0.49%
Australian Dividend Fund 0.16% 1.77% 7.87% 0.49%
Australian Financials Fund 1.72% 2.31% 7.97% 0.49%
Australian Resources Fund 4.66% 9.50% 24.76% 0.49%
Australian Mid Cap Fund 0.77% -1.68% 10.83% 0.49%
Overseas Shares (Currency Hedged) Fund 3.86% 3.66% 11.44% 7.69% 0.48%
Overseas Shares Fund 1.46% 3.80% 12.29% 10.56% 0.48%
Asia Pacific Fund 1.03% -3.79% 9.04% 0.49%
Emerging Markets Fund 2.42% 4.19% 9.85% 6.29% 0.63%
Europe Fund 1.36% 0.65% 10.20% 0.49%
Total World Fund 1.56% 3.85% 12.26% 0.50%
US Large Growth Fund 1.57% 8.47% 17.06% 0.47%
US 500 Fund 1.68% 8.93% 14.99% 0.44%
US Large Value Fund 1.79% 8.10% 12.84% 0.47%
US Mid Cap Fund 1.78% 5.68% 12.98% 0.47%
US Small Cap Fund 1.22% -0.09% 13.19% 0.47%
Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Est. fund charges (p.a.)
SuperLife Age Steps - Age 20 3.12% 6.74% 10.21% 8.73% 0.64%
SuperLife Age Steps - Age 30 2.75% 6.51% 8.96% 7.90% 0.63%
SuperLife Age Steps - Age 40 2.75% 6.51% 8.96% 7.90% 0.63%
SuperLife Age Steps - Age 50 2.63% 6.44% 8.57% 7.64% 0.62%
SuperLife Age Steps - Age 60 2.13% 5.73% 7.09% 6.53% 0.61%
SuperLife Age Steps - Age 70 1.66% 5.15% 5.65% 5.47% 0.59%
SuperLife Age Steps - Age 80 0.89% 4.14% 3.18% 3.66% 0.57%
Ethica 2.68% 7.05% 5.89% 7.96% 0.71%
SuperLife Income 0.88% 4.85% 2.63% 3.51% 0.57%
SuperLife Conservative 1.42% 5.90% 5.42% 5.57% 0.58%
SuperLife Balanced 2.30% 6.35% 7.68% 7.17% 0.61%
SuperLife Growth 2.70% 6.48% 9.21% 8.22% 0.62%
SuperLife High Growth 3.21% 6.78% 10.51% 8.94% 0.64%
NZ Cash Fund 0.14% 1.67% 1.80% 2.12% 0.53%
NZ Cash ETF Fund 0.13% 1.69% 1.80% 0.53%
UK Cash Fund -1.79% -1.83% -0.26% -0.55% 0.50%
NZ Bonds Fund 0.47% 4.77% 3.41% 4.27% 0.55%
Overseas Bonds Fund 1.04% 4.70% 3.02% 3.86% 0.60%
Overseas Non-government Bonds Fund 1.03% 5.61% 2.03% 3.04% 0.55%
NZ Property Fund 5.78% 30.48% 12.68% 0.60%
Australian Property Fund 1.27% 12.37% 8.18% 0.60%
Global Property Fund 2.32% 14.22% 8.02% 10.45% 0.59%
NZ Shares Fund 4.25% 16.89% 11.66% 12.34% 0.60%
NZ Top 50 Fund 4.23% 16.70% 15.11% 0.60%
NZ Top 10 Fund 2.58% 15.06% 12.22% 0.60%
NZ Dividend Fund 6.65% 22.74% 12.32% 0.60%
NZ Mid Cap Fund 5.13% 17.58% 17.20% 0.60%
Australian Shares Fund 3.02% 6.66% 12.07% 9.06% 0.60%
Australian Top 20 Fund 2.36% 7.29% 11.71% 0.60%
Australian Dividend Fund 0.15% 1.55% 7.74% 0.60%
Australian Financials Fund 1.72% 2.31% 8.05% 0.60%
Australian Resources Fund 4.64% 9.22% 24.64% 0.60%
Australian Mid Cap Fund 0.77% -1.72% 10.75% 0.60%
Overseas Shares (Currency Hedged) Fund 3.89% 3.55% 11.30% 7.58% 0.59%
Overseas Shares Fund 1.45% 3.71% 12.21% 10.48% 0.59%
Asia Pacific Fund 1.02% -3.76% 8.97% 0.60%
Emerging Markets Fund 2.42% 4.08% 9.74% 6.21% 0.74%
Europe Fund 1.35% 0.58% 10.05% 0.60%
Total World Fund 1.55% 3.80% 12.22% 0.61%
US Large Growth Fund 1.56% 8.64% 17.09% 0.58%
US 500 Fund 1.68% 8.91% 14.90% 0.55%
US Large Value Fund 1.78% 8.12% 12.90% 0.58%
US Mid Cap Fund 1.78% 5.84% 13.01% 0.58%
US Small Cap Fund 1.24% -0.10% 13.29% 0.58%

 

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.

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 - $18 a year (you will only be charged this fee if you choose to receive statements and other SuperLife communications in paper 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).

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).
  • Entry fee - 1% of the amount transferred or $500 (whichever is greater). You will be charged this fee when you transfer money into the Scheme from a UK pension scheme or another ROPS.
  • Exit fee - 1% of the amount transferred or $500 (whichever is greater). You will be charged this fee if you transfer your investment from the Scheme to a UK pension scheme or another ROPS.

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 - $18 a year (you will only be charged this fee if you choose to receive statements and other SuperLife communications in paper form).
  • Transfer fee - $50 for each transfer (you will only be charged this fee if the PDS Supplement for your employer allows you to transfer money from your accounts to a KiwiSaver scheme and the transfer is to a KiwiSaver scheme other than the SuperLife KiwiSaver scheme).

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Smartshares

Why try to pick stocks when you can own the whole index? SuperLife lets you access the full range of Smartshares Exchange Traded Funds (ETFs).

View SuperLife's funds