SuperLife

  1. SuperLife
  2. Superannuation
  3. Insurance
  4. Disability Insurance
  5. Investment

Disability Insurance

SuperLife disability insurance protects you from the loss of income from a severe disability that prevents you from working for an extended period.

Contact Us

Welcome

SuperLife is one of Aotearoa’s default KiwiSaver providers. Our customers range from individual investors, businesses and iwi to Pacific nation groups. We also work with some of New Zealand’s largest employers to provide investment options as part of their employee benefits.

SuperLife’s investment funds are managed by Smartshares Limited, a wholly owned subsidiary of NZX Limited. Smartshares provides financial solutions to over 125,000 New Zealanders and has over $10 billion in funds under management.

How can we help?

I’m a non-government
employee

I’m a government
employee

 

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FAQs

How to register for the SuperLife member portal?

Step 1: Enter your member number in the first box. You’ll find this in your Welcome Letter or Member Certificate. If you're a KiwiSaver member, you can use your IRD number instead.

portal register

 

Step 2: Fill in your date of birth, last name, and email address. Make sure your last name matches our records exactly (including any hyphens) and double-check your date of birth.

Step 3: Under Login details, create a username and password. These will be your credentials for accessing the member portal.

Step 4: Press "Submit" to confirm your registration.

Step 5: Check your email inbox for a verification message from SuperLife. Open the email and follow the instructions to verify your email address.

Step 6: Once verified, you can log in using your new username and password.

I was a member with ASB. What does the SuperLife Master Trust mean for me?

Your investment options and withdrawal terms remain the same throughout the transition. Your investment remains in the same fund(s), just under a new name.

You would have received communications from our team to welcome you to SuperLife recently to let you know your new SuperLife member number. Keep this handy for when you need to contact us.

If you haven't received a letter yet and want to speak with us, please contact us on 0800 27 87 37.

How can I check my account balance

The easiest way to check your balance and other details is through our member portal. Register now here, or log in here if you are already registered.

If you are unable to register online, please contact us on 0800 27 87 37.

Are there any changes to fees?

No. You will not be charged any more than you were previously paying. For more information, refer to the Product Disclosure Statement.

Your administration fee remains unchanged.

How do I setup a direct debit or an automatic payment?

You can continue depositing into the same bank account that you currently deposited your contributions in the past: 12-3113-0003586-00.

However, so that we can track your contribution, please make sure you include:

Payer Reference: Your SuperLife Member Number

Payer Code: Your Initial & Surname

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Get in Touch

Want to speak to someone? Give us a call - our Customer Experience team are available from Monday to Friday 9am to 5pm or fill out our contact us form.

SuperLife member portal

Stay up to date on your investment wherever you are by logging on to the SuperLife member portal.

Login

If you haven't registered yet, you can register with your member number or IRD number.

Register

Phone

0800 27 87 37

Government employees - press 4

Non-government employees - press 5

 

Contact us form

Submit a contact us form and our team will get back to you.

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SuperLife Superannuation Master Trust

The SuperLife Superannuation Master Trust is a workplace savings scheme that gives you simple solutions to reach your life goals. Let us help you make taking care of your future easy.

 

Available to participating employers and members.

Find a fund that suits you

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Get the information you need:

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Get in Touch

Want to speak to someone? Give us a call - our Customer Experience team are available from Monday to Friday 9am to 5pm or fill out our contact us form.

SuperLife member portal

Stay up to date on your investment wherever you are by logging on to the SuperLife member portal.

Login

If you haven't registered yet, you can register with your member number or IRD number.

Register

Phone

0800 27 87 37

Government employees - press 4

Non-government employees - press 5

 

Contact us form

Submit a contact us form and our team will get back to you.

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 Note:- This web page contains links to other SuperLife schemes that are only available to New Zealand residents. The information below is for Nauru Super members.

Nauru Super

Information Memorandum (click to download, 425 KB)

Nauru Super employer information guide (click to download, 29 KB)

Nauru Super - employer schedule template (click to download, 276 KB)

Nauru Super at a glance (click to download, 206 KB)

Nauru Super withdrawal of benefits form (click to download, 127 KB)

Nauru Super Death TPD form (click to download, 316 KB)

Notice to Nauru members – Investment Strategy update (click to download, 100 KB)

 

Login here

The State Sector Retirement Savings Scheme

The State Sector Retirement Savings Scheme (SSRSS) participates in the SuperLife Superannuation Master Trust (SMT). While SSRSS closed to new members on 1 October 2008, it will continue to operate for our existing members.

Find a fund that suits you

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Accelerate your savings - Increase your contributions

It’s easy to increase how much you put in. You can change the level of your contributions up to twice a year -  between 1 April and 31 March.

You may also make additional lump sum contributions at any time, subject to a minimum amount of $100.

Simply complete the Contribution Change Form and return it to your employer's payroll department.

If you’re employed at a state school, state integrated school or kindergarten, please send your form to: Education Service Payroll, Ministry of Education, PO Box 1666, Wellington.

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Get the information you need:

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Get in Touch

Want to speak to someone? Give us a call - our Customer Experience team are available from Monday to Friday 9am to 5pm or fill out our contact us form.

SuperLife member portal

Stay up to date on your investment wherever you are by logging on to the SuperLife member portal.

Login

If you haven't registered yet, you can register with your member number or IRD number.

Register

Phone

0800 27 87 37

Government employees - press 4

Non-government employees - press 5

 

Contact us form

Submit a contact us form and our team will get back to you.

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30 April 2026

SuperLife’s investment options are listed below, together with each option’s returns after fund charges and before tax. 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.

Note: We’ve updated how we display performance on our website. We now show returns after fund charges and before tax. This means the performance you see is more relevant to you, regardless of your personal tax rate.

Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Fund charges (p.a.)
SuperLife Age Steps - Age 20 6.95% 22.36% 13.87% 8.07% 0.63%
SuperLife Age Steps - Age 30 5.83% 18.79% 12.07% 6.92% 0.62%
SuperLife Age Steps - Age 40 5.83% 18.79% 12.07% 6.92% 0.62%
SuperLife Age Steps - Age 50 5.48% 17.69% 11.51% 6.56% 0.61%
SuperLife Age Steps - Age 60 4.30% 14.00% 9.59% 5.30% 0.60%
SuperLife Age Steps - Age 70 3.04% 10.18% 7.58% 3.97% 0.58%
SuperLife Age Steps - Age 80 0.94% 4.00% 4.25% 1.73% 0.56%
SuperLife Income Fund 0.24% 1.99% 3.14% 1.03% 0.56%
SuperLife Conservative Fund 2.29% 8.22% 6.84% 3.50% 0.57%
SuperLife Balanced Fund 4.46% 14.56% 9.99% 5.54% 0.60%
SuperLife Growth Fund 5.86% 18.57% 12.16% 6.97% 0.61%
SuperLife High Growth Fund 7.23% 23.26% 14.33% 8.36% 0.63%
SuperLife Default Fund 4.58% 12.54% 9.46% 0.20%
Ethica Fund 4.48% 14.36% 10.44% 5.58% 0.70%
Castle Point 5 Oceans Fund 1.39%
S&P/NZX 50 Fund -0.39% 8.12% 2.69% 0.19% 0.59%
NZ Shares Fund 0.36% 9.04% 2.68% 0.38% 0.59%
NZ Top 50 Fund 0.36% 9.00% 2.65% 0.37% 0.59%
NZ Top 10 Fund -0.91% 6.21% 0.84% 0.00% 0.59%
NZ Mid Cap Fund 2.07% 14.56% 6.48% 1.51% 0.59%
NZ Dividend Fund 3.29% 27.64% 7.89% 4.98% 0.59%
NZ Property Fund 0.19% 11.02% 1.41% -2.84% 0.59%
S&P/ASX 200 Fund 3.35% 22.72% 13.37% 9.55% 0.59%
Australian Shares Fund 2.31% 14.53% 11.46% 9.02% 0.59%
Australian Top 20 Fund 3.39% 28.33% 15.44% 11.76% 0.59%
Australian Mid Cap Fund 3.21% 21.85% 12.52% 9.39% 0.59%
Australian Dividend Fund 2.00% 27.14% 14.93% 11.48% 0.59%
Australian Financials Fund 4.25% 27.33% 23.44% 15.59% 0.59%
Australian Resources Fund 4.81% 72.81% 16.88% 14.62% 0.59%
Australian Property Fund 4.96% 11.82% 8.26% 4.13% 0.59%
US 500 Fund 7.99% 30.40% 22.08% 16.34% 0.54%
US Large Growth Fund 15.74% 34.00% 27.52% 16.87% 0.57%
US Large Value Fund 1.11% 24.53% 16.25% 14.34% 0.57%
US Mid Cap Fund 5.17% 22.71% 16.75% 10.82% 0.57%
US Small Cap Fund 6.35% 33.01% 17.31% 9.59% 0.57%
Overseas Shares Fund 9.64% 30.50% 20.57% 14.50% 0.58%
Overseas Shares (Currency Hedged) Fund 11.39% 27.17% 18.24% 10.08% 0.58%
Total World Fund 8.57% 31.33% 20.64% 13.95% 0.58%
Total World (NZD Hedged) Fund 10.36% 27.73% 18.07% 9.99% 0.58%
Asia Pacific Fund 6.50% 44.02% 19.83% 11.50% 0.59%
Emerging Markets Fund 6.19% 31.16% 17.26% 7.88% 0.73%
Europe Fund 3.53% 22.46% 14.93% 11.77% 0.59%
Global Property Fund 5.47% 10.00% 5.77% 0.93% 0.58%
NZ Bonds Fund 0.34% 3.70% 4.51% 2.12% 0.54%
S&P/NZX NZ Government Bond Fund 0.11% 2.10% 2.32% -0.23% 0.54%
Overseas Bonds Fund 1.40% 0.82% 2.61% 0.44% 0.59%
Overseas Non-government Bonds Fund 0.41% 1.73% 3.63% -0.22% 0.54%
Global Aggregate Bond Fund 0.15% 0.83% 2.70% -0.52% 0.59%
NZ Cash Fund 0.19% 3.80% 4.63% 3.41% 0.52%
UK Cash Fund 0.15% 3.54% 6.52% 5.22% 0.49%
Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Fund charges (p.a.)
SuperLife Age Steps - Age 20 6.95% 22.43% 13.95% 8.18% 0.53%
SuperLife Age Steps - Age 30 5.83% 18.87% 12.15% 7.04% 0.52%
SuperLife Age Steps - Age 40 5.83% 18.87% 12.15% 7.04% 0.52%
SuperLife Age Steps - Age 50 5.48% 17.78% 11.59% 6.68% 0.51%
SuperLife Age Steps - Age 60 4.30% 14.09% 9.69% 5.41% 0.50%
SuperLife Age Steps - Age 70 3.04% 10.28% 7.68% 4.08% 0.48%
SuperLife Age Steps - Age 80 0.95% 4.12% 4.36% 1.85% 0.46%
SuperLife Income Fund 0.26% 2.12% 3.25% 1.17% 0.46%
SuperLife Conservative Fund 2.29% 8.34% 6.95% 3.63% 0.47%
SuperLife Balanced Fund 4.46% 14.66% 10.08% 5.66% 0.50%
SuperLife Growth Fund 5.86% 18.65% 12.25% 7.07% 0.51%
SuperLife High Growth Fund 7.23% 23.33% 14.41% 8.47% 0.53%
Ethica Fund 4.46% 14.34% 10.42% 5.60% 0.60%
Castle Point 5 Oceans Fund 1.29%
S&P/NZX 50 Fund -0.38% 8.23% 2.64% 0.21% 0.49%
NZ Shares Fund 0.37% 9.15% 2.76% 0.51% 0.49%
NZ Top 50 Fund 0.37% 9.11% 2.74% 0.46% 0.49%
NZ Top 10 Fund -0.91% 6.33% 0.95% 0.12% 0.49%
NZ Mid Cap Fund 2.08% 14.67% 6.59% 1.63% 0.49%
NZ Dividend Fund 3.31% 27.81% 7.95% 5.06% 0.49%
NZ Property Fund 0.20% 11.14% 1.48% -2.73% 0.49%
S&P/ASX 200 Fund 3.36% 22.86% 13.48% 9.64% 0.49%
Australian Shares Fund 2.35% 14.66% 11.55% 9.07% 0.49%
Australian Top 20 Fund 3.40% 28.48% 15.55% 11.81% 0.49%
Australian Mid Cap Fund 3.21% 21.95% 12.61% 9.46% 0.49%
Australian Dividend Fund 2.01% 27.30% 15.01% 11.44% 0.49%
Australian Financials Fund 4.26% 27.47% 23.58% 15.70% 0.49%
Australian Resources Fund 4.82% 72.96% 16.95% 14.59% 0.49%
Australian Property Fund 4.98% 11.95% 8.38% 4.26% 0.49%
US 500 Fund 8.00% 30.54% 22.16% 16.38% 0.44%
US Large Growth Fund 15.76% 34.13% 27.57% 16.90% 0.47%
US Large Value Fund 1.12% 24.68% 16.36% 14.46% 0.47%
US Mid Cap Fund 5.18% 22.84% 16.82% 10.90% 0.47%
US Small Cap Fund 6.36% 33.16% 17.36% 9.67% 0.47%
Overseas Shares Fund 9.55% 30.45% 20.45% 14.41% 0.48%
Overseas Shares (Currency Hedged) Fund 11.28% 27.07% 18.08% 10.12% 0.48%
Total World Fund 8.51% 31.32% 20.64% 13.97% 0.48%
Total World (NZD Hedged) Fund 10.24% 27.53% 18.01% 9.95% 0.48%
Asia Pacific Fund 6.51% 44.27% 19.94% 11.61% 0.49%
Emerging Markets Fund 6.19% 31.24% 17.27% 7.89% 0.63%
Europe Fund 3.54% 22.59% 15.02% 11.87% 0.49%
Global Property Fund 5.57% 10.11% 5.85% 1.06% 0.48%
NZ Bonds Fund 0.35% 3.82% 4.64% 2.24% 0.44%
S&P/NZX NZ Government Bond Fund 0.11% 2.20% 2.43% -0.08% 0.44%
Overseas Bonds Fund 1.41% 0.92% 2.71% 0.60% 0.49%
Overseas Non-government Bonds Fund 0.42% 1.96% 3.78% -0.08% 0.44%
Global Aggregate Bond Fund 0.16% 0.94% 2.80% -0.53% 0.49%
NZ Cash Fund 0.20% 3.90% 4.70% 3.48% 0.42%
UK Cash Fund 0.16% 3.71% 6.63% 5.32% 0.39%
Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Fund charges (p.a.)
SuperLife Age Steps - Age 20 6.95% 22.37% 13.88% 8.12% 0.63%
SuperLife Age Steps - Age 30 5.83% 18.80% 12.07% 6.96% 0.62%
SuperLife Age Steps - Age 40 5.83% 18.80% 12.07% 6.96% 0.62%
SuperLife Age Steps - Age 50 5.49% 17.70% 11.51% 6.60% 0.61%
SuperLife Age Steps - Age 60 4.30% 14.00% 9.60% 5.33% 0.60%
SuperLife Age Steps - Age 70 3.04% 10.18% 7.58% 4.00% 0.58%
SuperLife Age Steps - Age 80 0.94% 4.00% 4.25% 1.75% 0.56%
SuperLife Income Fund 0.24% 1.99% 3.14% 1.06% 0.56%
SuperLife Conservative Fund 2.29% 8.22% 6.84% 3.54% 0.57%
SuperLife Balanced Fund 4.46% 14.56% 9.99% 5.58% 0.60%
SuperLife Growth Fund 5.86% 18.58% 12.17% 7.00% 0.61%
SuperLife High Growth Fund 7.23% 23.27% 14.33% 8.40% 0.63%
Ethica Fund 4.48% 14.35% 10.43% 5.60% 0.70%
Castle Point 5 Oceans Fund 1.39%
S&P/NZX 50 Fund -0.39% 8.12% 2.70% 0.30% 0.59%
NZ Shares Fund 0.36% 9.04% 2.68% 0.43% 0.59%
NZ Top 50 Fund 0.36% 9.00% 2.65% 0.41% 0.59%
NZ Top 10 Fund -0.91% 6.22% 0.85% 0.06% 0.59%
NZ Mid Cap Fund 2.22% 15.68% 6.98% 1.70% 0.59%
NZ Dividend Fund 3.30% 27.66% 7.89% 5.03% 0.59%
NZ Property Fund 0.19% 11.03% 1.41% -2.79% 0.59%
S&P/ASX 200 Fund 3.35% 22.74% 13.38% 9.59% 0.59%
Australian Shares Fund 2.28% 14.52% 11.46% 9.09% 0.59%
Australian Top 20 Fund 3.39% 28.35% 15.45% 11.81% 0.59%
Australian Mid Cap Fund 3.21% 21.86% 12.52% 9.42% 0.59%
Australian Dividend Fund 2.00% 27.18% 14.95% 11.55% 0.59%
Australian Financials Fund 4.25% 27.33% 23.45% 15.65% 0.59%
Australian Resources Fund 4.81% 72.79% 16.87% 14.68% 0.59%
Australian Property Fund 4.97% 11.84% 8.27% 4.18% 0.59%
US 500 Fund 7.99% 30.40% 22.07% 16.35% 0.54%
US Large Growth Fund 15.74% 33.99% 27.51% 16.85% 0.57%
US Large Value Fund 1.11% 24.53% 16.26% 14.38% 0.57%
US Mid Cap Fund 5.17% 22.72% 16.77% 10.85% 0.57%
US Small Cap Fund 6.35% 33.03% 17.32% 9.61% 0.57%
Overseas Shares Fund 9.63% 30.46% 20.54% 14.51% 0.58%
Overseas Shares (Currency Hedged) Fund 11.33% 26.99% 18.10% 10.05% 0.58%
Total World Fund 8.57% 31.33% 20.65% 14.01% 0.58%
Total World (NZD Hedged) Fund 10.37% 27.69% 18.05% 10.02% 0.58%
Asia Pacific Fund 6.50% 44.03% 19.84% 11.55% 0.59%
Emerging Markets Fund 6.17% 31.08% 17.21% 7.89% 0.73%
Europe Fund 3.53% 22.46% 14.93% 11.85% 0.59%
Global Property Fund 5.46% 10.00% 5.77% 0.99% 0.58%
NZ Bonds Fund 0.34% 3.71% 4.53% 2.16% 0.54%
S&P/NZX NZ Government Bond Fund 0.11% 2.10% 2.33% -0.22% 0.54%
Overseas Bonds Fund 1.40% 0.82% 2.61% 0.48% 0.59%
Overseas Non-government Bonds Fund 0.42% 1.73% 3.63% -0.19% 0.54%
Global Aggregate Bond Fund 0.15% 0.79% 2.70% -0.47% 0.59%
NZ Cash Fund 0.19% 3.80% 4.63% 3.44% 0.52%
UK Cash Fund 0.15% 3.52% 6.54% 5.26% 0.49%
Fund Last month Last year 3 years (p.a.) 5 years (p.a.) Fund charges (p.a.)
SuperLife SMT Moderate Fund 3.15% 10.39% 7.72% 3.93% 0.38%
SuperLife SMT Balanced Fund 4.60% 14.96% 10.22% 5.81% 0.38%
SuperLife SMT Growth Fund 6.07% 19.48% 12.30% 7.42% 0.38%
SuperLife SMT NZ Cash Fund 0.22% 4.04% 4.92% 3.78% 0.23%
SuperLife SMT NZ Fixed Interest Fund 0.32% 3.16% 3.23% 0.25% 0.39%
SuperLife SMT World Fixed Interest Fund 0.06% -0.24% 1.65% -1.09% 0.40%
SuperLife SMT Australasian Shares Fund 0.76% 10.82% 5.18% 3.38% 0.38%
SuperLife SMT World Shares Fund 10.39% 28.33% 19.38% 12.79% 0.39%
SuperLife SMT Global Property Shares Fund 7.00% 11.62% 5.68% 1.24% 0.41%

 

Returns are calculated using the Net Asset Value (NAV) for the last business day of the relevant period. For global funds (excluding Australia), the NAV reflects the previous day’s market close.

Benchmark returns are aligned with fund returns. For global funds, this means benchmark values also reflect the previous day’s market close.

The fund charges set out above are deducted from, and reflected in the value of, the fund. The fund charges include the fees and costs charged by the supervisor, custodians and administration manager (together with the fees and costs charged by any other funds we may invest in). They also include our regulatory and compliance costs.

Some of the costs and expenses charged by the underlying funds that the Castle Point 5 Oceans Fund invests into are not fixed and the fund charges for the Castle Point 5 Oceans Fund set out above include an estimate of these costs. If the actual costs are higher than the estimate, the fund charges will be higher than the amount set out above.

The fund charges for SuperLife Age Steps are estimates based on the target investment mix of underlying funds for each age step. The fund charges actually charged may differ from the estimate if the actual investment mix of underlying funds for your investment differs from the target because of market movements.

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).
  • Insurance administration fee - if you are insured through SuperLife Invest, you will be charged each year an insurance administration fee of $33 per type of cover (life and income protection cover only) and 8.8% of the premium (life, total and permanent disablement, and income protection cover only).
  • 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 form you complete when appointing your adviser.

SuperLife KiwiSaver scheme

  • Administration fee (where applicable) - $30 a year or $2.50 per month (where applicable) regardless of the number of investment options you invest in, or the number of times you change investment options. You do not pay the fee if you have all your money invested in the SuperLife Default Fund.
  • 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 form you complete when appointing your adviser. 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 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).
  • Insurance administration fee - if you are insured through the SuperLife workplace savings scheme, you will be charged each year an insurance administration fee of $33 per type of cover (life and income protection cover only) and 8.8% of the premium (life, total and permanent disablement, and income protection cover only). If your employer provides you insurance through the scheme, it may pay the $33 per type of cover part of the fee. The 8.8% of the premium part of the fee does not apply to insurance that your employer provides you through the scheme.
  • 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.

SuperLife Superannuation Master Trust

  • Administration fee - An administration fee may apply. If you are an ordinary member, you may pay an administration fee of up to 0.50% of the daily average balance of your account. If you are a specified member, the administration fee you pay (if anything) will depend on what has been agreed with your employer – please consult your employer for more information.
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