SuperLife

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Returns and Fees

28 February 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.)
SuperLifeAge Steps - Age 20 2.95% 2.60% 9.92% 7.85% 0.63%
SuperLifeAge Steps - Age 30 2.53% 2.69% 8.81% 7.17% 0.62%
SuperLifeAge Steps - Age 40 2.53% 2.69% 8.81% 7.17% 0.62%
SuperLifeAge Steps - Age 50 2.40% 2.71% 8.46% 6.95% 0.61%
SuperLifeAge Steps - Age 60 1.90% 2.65% 7.07% 6.00% 0.60%
SuperLifeAge Steps - Age 70 1.42% 2.59% 5.72% 5.11% 0.58%
SuperLifeAge Steps - Age 80 0.60% 2.41% 3.43% 3.57% 0.56%
Ethica 2.08% 2.96% 5.31% 6.83% 0.70%
SuperLifeIncome 0.42% 2.65% 3.05% 3.49% 0.56%
SuperLife30 1.11% 3.37% 5.49% 5.03% 0.57%
SuperLife60 1.93% 2.97% 7.60% 6.38% 0.60%
SuperLife80 2.53% 2.77% 9.03% 7.50% 0.61%
SuperLife100 3.05% 2.57% 10.19% 8.02% 0.63%
NZ Cash Fund 0.13% 1.70% 1.84% 2.15% 0.52%
NZ Bonds Fund 0.33% 3.54% 3.28% 4.03% 0.54%
Overseas Bonds Fund 0.59% 2.28% 3.44% 3.53% 0.59%
Overseas Non-government Bonds Fund 0.35% 2.04% 2.20% 2.81% 0.54%
Property Fund 0.85% 14.62% 7.63% 10.36% 0.58%
NZ Shares Fund 2.94% 10.38% 11.75% 8.68% 0.59%
Australian Shares Fund 6.11% 2.03% 11.02% 7.51% 0.59%
Overseas Shares (Currency Hedged) Fund 3.48% -0.80% 11.40% 7.83% 0.58%
Overseas Shares Fund 3.34% 2.73% 9.82% 9.18% 0.58%
Emerging Markets Fund 1.04% -8.15% 9.95% 6.38% 0.73%
UK Cash Fund 1.51% 1.11% -1.82% -0.52% 0.49%
NZ Cash ETF Fund 0.13% 1.68% 2.05% 0.52%
NZ Bond ETF Fund 0.33% 3.53% 3.34% 0.54%
Global Bond ETF Fund 0.60% 2.30% 3.47% 0.59%
NZ Dividend ETF Fund 0.70% 13.25% 9.87% 0.59%
NZ Top 50 ETF Fund 3.11% 11.61% 13.74% 0.59%
NZ Top 10 ETF Fund 5.16% 9.68% 11.92% 0.59%
NZ Mid Cap ETF Fund 1.54% 12.08% 15.24% 0.59%
NZ Property ETF Fund 1.73% 19.14% 9.15% 0.59%
Australian Top 20 ETF Fund 5.25% 2.25% 9.27% 0.59%
Australian Dividend ETF Fund 6.30% -2.48% 5.95% 0.59%
Australian Financials ETF Fund 7.60% -6.55% 6.33% 0.59%
Australian Property ETF Fund 0.17% 15.26% 7.53% 0.59%
Australian Resources ETF Fund 5.68% 13.55% 28.44% 0.59%
Australian Mid Cap ETF Fund 3.78% -3.59% 11.48% 0.59%
Total World ETF Fund 3.27% 1.78% 10.17% 0.60%
US 500 ETF Fund 3.82% 7.52% 11.97% 0.54%
Europe ETF Fund 2.48% -3.96% 5.87% 0.59%
Asia Pacific ETF Fund 1.55% -4.93% 8.42% 0.59%
US Large Growth ETF Fund 4.77% 7.86% 13.15% 0.57%
US Large Value ETF Fund 3.41% 6.68% 11.15% 0.57%
US Mid Cap ETF Fund 4.75% 7.31% 10.91% 0.57%
US Small Cap ETF Fund 5.59% 10.55% 13.62% 0.57%
Emerging Markets ETF Fund 1.05% -8.37% 10.46% 0.73%
Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Est. fund charges (p.a.)
SuperLifeAge Steps - Age 20 2.95% 2.67% 0.53%
SuperLifeAge Steps - Age 30 2.53% 2.76% 0.52%
SuperLifeAge Steps - Age 40 2.53% 2.76% 0.52%
SuperLifeAge Steps - Age 50 2.40% 2.78% 0.51%
SuperLifeAge Steps - Age 60 1.90% 2.72% 0.50%
SuperLifeAge Steps - Age 70 1.42% 2.66% 0.48%
SuperLifeAge Steps - Age 80 0.60% 2.49% 0.46%
Ethica 2.07% 3.02% 0.60%
SuperLifeIncome 0.42% 2.71% 0.46%
SuperLife30 1.11% 3.44% 0.47%
SuperLife60 1.93% 3.04% 0.50%
SuperLife80 2.52% 2.84% 0.51%
SuperLife100 3.05% 2.64% 0.53%
NZ Cash Fund 0.14% 1.79% 0.42%
NZ Bonds Fund 0.33% 3.60% 0.44%
Overseas Bonds Fund 0.60% 2.35% 0.49%
Overseas Non-government Bonds Fund 0.36% 2.11% 0.44%
Property Fund 0.85% 14.67% 0.48%
NZ Shares Fund 2.92% 10.32% 0.49%
Australian Shares Fund 6.04% 1.99% 0.49%
Overseas Shares (Currency Hedged) Fund 3.52% -0.75% 0.48%
Overseas Shares Fund 3.34% 2.81% 0.48%
Emerging Markets Fund 1.05% -8.17% 0.63%
UK Cash Fund 1.54% 1.26% 0.39%
NZ Cash ETF Fund 0.14% 1.75% 0.42%
NZ Bond ETF Fund 0.34% 3.58% 0.44%
Global Bond ETF Fund 0.61% 2.36% 0.49%
NZ Dividend ETF Fund 0.69% 13.25% 0.49%
NZ Top 50 ETF Fund 3.08% 11.62% 0.49%
NZ Top 10 ETF Fund 5.13% 9.65% 0.49%
NZ Mid Cap ETF Fund 1.53% 12.09% 0.49%
NZ Property ETF Fund 1.72% 19.10% 0.49%
Australian Top 20 ETF Fund 5.20% 2.33% 0.49%
Australian Dividend ETF Fund 6.25% -2.49% 0.49%
Australian Financials ETF Fund 7.55% -6.35% 0.49%
Australian Property ETF Fund 0.16% 15.26% 0.49%
Australian Resources ETF Fund 5.64% 13.46% 0.49%
Australian Mid Cap ETF Fund 3.76% -3.52% 0.49%
Total World ETF Fund 3.27% 1.88% 0.50%
US 500 ETF Fund 3.82% 7.57% 0.44%
Europe ETF Fund 2.47% -3.89% 0.49%
Asia Pacific ETF Fund 1.55% -4.85% 0.49%
US Large Growth ETF Fund 4.77% 7.93% 0.47%
US Large Value ETF Fund 3.41% 6.76% 0.47%
US Mid Cap ETF Fund 4.75% 7.40% 0.47%
US Small Cap ETF Fund 5.59% 10.59% 0.47%
Emerging Markets ETF Fund 1.05% -8.25% 0.63%
Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Est. fund charges (p.a.)
SuperLifeAge Steps - Age 20 2.95% 2.68% 10.03% 7.96% 0.53%
SuperLifeAge Steps - Age 30 2.53% 2.77% 8.92% 7.26% 0.52%
SuperLifeAge Steps - Age 40 2.53% 2.77% 8.92% 7.26% 0.52%
SuperLifeAge Steps - Age 50 2.40% 2.79% 8.57% 7.04% 0.51%
SuperLifeAge Steps - Age 60 1.90% 2.73% 7.17% 6.09% 0.50%
SuperLifeAge Steps - Age 70 1.42% 2.67% 5.82% 5.19% 0.48%
SuperLifeAge Steps - Age 80 0.60% 2.49% 3.51% 3.64% 0.46%
Ethica 2.08% 3.03% 5.39% 6.91% 0.60%
SuperLifeIncome 0.43% 2.72% 3.13% 3.55% 0.46%
SuperLife30 1.12% 3.43% 5.58% 5.12% 0.47%
SuperLife60 1.93% 3.05% 7.71% 6.49% 0.50%
SuperLife80 2.53% 2.86% 9.15% 7.61% 0.51%
SuperLife100 3.06% 2.65% 10.31% 8.13% 0.53%
NZ Cash Fund 0.14% 1.79% 1.93% 2.25% 0.42%
NZ Bonds Fund 0.34% 3.61% 3.36% 4.11% 0.44%
Overseas Bonds Fund 0.60% 2.35% 3.51% 3.61% 0.49%
Overseas Non-government Bonds Fund 0.36% 2.11% 2.31% 2.91% 0.44%
Property Fund 0.86% 14.72% 7.73% 10.41% 0.48%
NZ Shares Fund 2.94% 10.40% 11.82% 8.74% 0.49%
Australian Shares Fund 6.12% 2.08% 11.11% 7.57% 0.49%
Overseas Shares (Currency Hedged) Fund 3.48% -0.74% 11.52% 7.89% 0.48%
Overseas Shares Fund 3.35% 2.80% 9.91% 9.25% 0.48%
Emerging Markets Fund 1.05% -8.08% 10.00% 6.38% 0.63%
UK Cash Fund 1.52% 1.17% -1.54% -0.33% 0.39%
NZ Cash ETF Fund 0.14% 1.75% 2.08% 0.42%
NZ Bond ETF Fund 0.34% 3.60% 3.40% 0.44%
Global Bond ETF Fund 0.61% 2.36% 3.52% 0.49%
NZ Dividend ETF Fund 0.70% 13.44% 9.67% 0.49%
NZ Top 50 ETF Fund 3.11% 11.71% 13.91% 0.49%
NZ Top 10 ETF Fund 5.18% 9.72% 12.00% 0.49%
NZ Mid Cap ETF Fund 1.55% 12.22% 15.21% 0.49%
NZ Property ETF Fund 1.72% 19.18% 9.15% 0.49%
Australian Top 20 ETF Fund 5.26% 2.36% 9.18% 0.49%
Australian Dividend ETF Fund 6.34% -2.29% 6.01% 0.49%
Australian Financials ETF Fund 7.61% -6.54% 6.26% 0.49%
Australian Property ETF Fund 0.16% 15.32% 7.56% 0.49%
Australian Resources ETF Fund 5.70% 13.67% 27.64% 0.49%
Australian Mid Cap ETF Fund 3.79% -3.55% 11.57% 0.49%
Total World ETF Fund 3.28% 1.85% 10.16% 0.50%
US 500 ETF Fund 3.82% 7.53% 12.08% 0.44%
Europe ETF Fund 2.48% -3.90% 6.03% 0.49%
Asia Pacific ETF Fund 1.56% -4.97% 8.49% 0.49%
US Large Growth ETF Fund 4.78% 7.81% 13.26% 0.47%
US Large Value ETF Fund 3.42% 6.64% 11.00% 0.47%
US Mid Cap ETF Fund 4.75% 7.17% 10.92% 0.47%
US Small Cap ETF Fund 5.59% 10.60% 13.61% 0.47%
Emerging Markets ETF Fund 1.05% -8.22% 10.68% 0.63%
Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Est. fund charges (p.a.)
SuperLifeAge Steps - Age 20 2.94% 2.62% 9.94% 7.88% 0.64%
SuperLifeAge Steps - Age 30 2.52% 2.71% 8.78% 7.16% 0.63%
SuperLifeAge Steps - Age 40 2.52% 2.71% 8.78% 7.16% 0.63%
SuperLifeAge Steps - Age 50 2.39% 2.73% 8.41% 6.93% 0.62%
SuperLifeAge Steps - Age 60 1.89% 2.66% 7.00% 5.97% 0.61%
SuperLifeAge Steps - Age 70 1.41% 2.59% 5.62% 5.05% 0.59%
SuperLifeAge Steps - Age 80 0.59% 2.40% 3.26% 3.47% 0.57%
Ethica 2.05% 2.94% 5.31% 6.84% 0.71%
SuperLifeIncome 0.42% 2.65% 2.78% 3.32% 0.57%
SuperLife30 1.10% 3.38% 5.51% 5.06% 0.58%
SuperLife60 1.92% 2.98% 7.62% 6.42% 0.61%
SuperLife80 2.52% 2.78% 9.04% 7.53% 0.62%
SuperLife100 3.04% 2.59% 10.22% 8.05% 0.64%
NZ Cash Fund 0.12% 1.65% 1.82% 2.16% 0.53%
NZ Bonds Fund 0.33% 3.54% 3.29% 4.05% 0.55%
Overseas Bonds Fund 0.59% 2.28% 3.44% 3.55% 0.60%
Overseas Non-government Bonds Fund 0.35% 2.05% 2.24% 2.85% 0.55%
Property Fund 0.85% 14.61% 7.65% 10.34% 0.59%
NZ Shares Fund 2.91% 10.27% 11.71% 8.65% 0.60%
Australian Shares Fund 6.03% 1.93% 10.97% 7.47% 0.60%
Overseas Shares (Currency Hedged) Fund 3.52% -0.81% 11.38% 7.78% 0.59%
Overseas Shares Fund 3.33% 2.75% 9.83% 9.19% 0.59%
Emerging Markets Fund 1.04% -8.14% 9.89% 6.30% 0.74%
UK Cash Fund 1.53% 1.16% -1.71% -0.45% 0.50%
NZ Cash ETF Fund 0.13% 1.68% 2.02% 0.53%
NZ Bond ETF Fund 0.33% 3.67% 3.37% 0.55%
Global Bond ETF Fund 0.60% 2.30% 3.44% 0.60%
NZ Dividend ETF Fund 0.69% 13.18% 9.56% 0.60%
NZ Top 50 ETF Fund 3.08% 11.62% 13.81% 0.60%
NZ Top 10 ETF Fund 5.12% 9.59% 11.80% 0.60%
NZ Mid Cap ETF Fund 1.53% 12.03% 15.07% 0.60%
NZ Property ETF Fund 1.71% 19.05% 9.09% 0.60%
Australian Top 20 ETF Fund 5.20% 2.29% 9.22% 0.60%
Australian Dividend ETF Fund 6.24% -2.54% 5.88% 0.60%
Australian Financials ETF Fund 7.54% -6.41% 6.33% 0.60%
Australian Property ETF Fund 0.15% 15.48% 7.57% 0.60%
Australian Resources ETF Fund 5.63% 13.40% 27.52% 0.60%
Australian Mid Cap ETF Fund 3.75% -3.57% 11.49% 0.60%
Total World ETF Fund 3.26% 1.82% 10.13% 0.61%
US 500 ETF Fund 3.82% 7.51% 11.98% 0.55%
Europe ETF Fund 2.46% -3.95% 5.89% 0.60%
Asia Pacific ETF Fund 1.54% -4.90% 8.43% 0.60%
US Large Growth ETF Fund 4.77% 7.95% 13.26% 0.58%
US Large Value ETF Fund 3.41% 6.69% 11.06% 0.58%
US Mid Cap ETF Fund 4.74% 7.34% 10.95% 0.58%
US Small Cap ETF Fund 5.59% 10.77% 13.68% 0.58%
Emerging Markets ETF Fund 1.05% -8.31% 10.57% 0.74%

 

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 ETF funds