About the Fund. Funds here have been grouped by how much of the more risky investments they hold, like shares and property ("growth assets"). Comparing Sharesies vs Investnow vs Hatch and more, Top 10 New Zealand Personal Finance Experts, Trusted Insurance Brokers in Christchurch, American Express Airpoints Platinum Review, Best Foreign Currency Debit & Credit Cards, TransferWise International Money Transfer Review, Renting Directly to Tenants vs Using an Agent, Trusted Mortgage Brokers in Napier and Hastings, Fixed or Floating Mortgage Rate Calculator, How to Check Your KiwiSaver Contributions, New Zealand Defence Force KiwiSaver Scheme, 65+ Best Online Shopping Websites in New Zealand, The Complete Guide to Renting in New Zealand, Hardship Assistance - Urgent Costs and Living Expense Assistance, Student Job Interview Questions and Answers. Simplicity offers four index-based funds, with fees fixed at $30/year + 0.10% (NZ Bond Fund, NZ Share Fund) or 0.31% (Conservative Fund, Balanced Fund, Growth Fund) of the funds invested. Exchange Traded Funds (ETFs) are one of the fastest growing investment products in the world. Bond (fixed interest) funds are generally less expensive than share funds, while stock exchange listed and index funds are most often cheaper than their unlisted cousins. Click here to read our PIR tax rate guide. PO Box 105262, Auckland City 1143, SuperLife for KiwiSaver SuperLife for Investments SuperLife for UK pension transfers, How Can We Help You? To view the top 10 individual holdings of the underlying funds, download the latest fund update at the top of this page. These funds are based on the S&P 500 or contain many of the stocks in that index. Invest in NZ's 20 largest listed companies through the Kernel NZ 20 Index Fund - Find out more about the Fund holdings, performance, dividends & risk. View our TWH Stock Quote Smartshares S&P/NZX NZ Government Bond ETF (NGB) They also repackage ETFs and index funds … Fee estimates for PIE funds reflect the total expense ratio in the Fund Updates provided to the Disclose Register (note that this figure includes GST and any performance-based fees), unless we have been advised of a more recent change. Frequently Asked Questions Articles and Guides. The funds below are largely growth-focused investing in New Zealand and/or overseas and are seen as long-term investments that carry a varying degree of risk. Many of the lowest-fee index funds follow the S&P 500 in part, and some index funds follow niche sectors. Articles and GuidesFrequently Asked QuestionsLegal Documents, Workplace savings (superannuation)KiwiSaverInsurance. $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). Index funds have become one of the most popular ways for New Zealanders to use due to their low-cost, diversity and returns that typically beat active funds. On 7 November 2016, the NZX 50 Portfolio Index Fund was resettled as the Smartshares NZ Top 50 ETF. To view the top 10 individual holdings of the underlying fund, download the latest fund update at the top of this page. Put your money in a bank account or term depositand get paid interest according to the interest rate being offered. It is also a widely accepted fact that, in the long-term, no individual fund can outperform an index … NZ Funds Trust Investment Series Fund Update, Dec 2019 - NZ Funds Dynamic Local and International Balanced Portfolio Fund Update, Dec 2019 - NZ Funds Dynamic Local and International Growth Portfolio Fund Update, Dec 2019 - NZ Funds Dynamic Local and International High Growth Portfolio Fund Update, Sept 2019 - NZ Funds Dynamic Local and International Balanced Portfolio Fund … SuperLife offers reduced premiums for insurance that puts you in control. By popularity, these were: Kiwisaver (67 per cent) Life insurance (37 per cent) Alternative superannuation (14 per cent) Managed funds or unit trusts … New winner Tie with InvestNow and Smartshares (NZG fund) … ​Our priority is accurate information. Buying into an index fund is usually a lot easier than picking individual shares. If you've been a member of KiwiSaver for 3 years you may be able to withdraw some of your KiwiSaver savings to put towards purchasing your first home. $12 a year (regardless of the number of investment options you invest in, or the number of times you change investment options). Given you should have a more diverse portfolio than that, it makes more sense to use global/US numbers for returns, inflation, and so on, and then just tweak anything specific to your situation. Click here to learn more. You can invest in almost anything with index funds. MoneyHub's Guide to low-fee NZ index funds is sponsored by our friends at. One example is the Simplicity NZ Fund, which tracks the NZX 50 and charges 0.10% p.a. To be included in MSCI ESG Fund Ratings, 65% of the fund’s gross weight must come from securities covered by MSCI ESG Research (certain cash positions and other asset types deemed not relevant for ESG analysis by MSCI are removed prior to calculating a fund’s gross weight; the absolute values of short positions are included but treated as uncovered), the fund… Invest in NZ's 20 largest listed companies through the Kernel NZ 20 Index Fund - Find out more about the Fund holdings, performance, dividends & risk. While the difference seems small, over time it adds up when considering the, total income including PIE is < $48,000 PIR is 10.5%, total income including PIE is < $70,000 PIR is 17.5%, total income including PIE is > $70,000 PIR is 28%, For every dollar of income up to $14,000 apply tax rate 10.5%, Between  $14,000  and  up to $48,000 apply tax rate 17.5%, Between $48,000 and up to $70,000 apply tax rate of 30%. This avoids the need to purchase the shares individually. Sign up and deposit now to grab your bonus! If you're looking to invest in the world's most recognisable index funds, this guide helpfully takes you through the entire process of what you need to know. 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 returns are after tax at the highest prescribed investor rate (PIR) of tax for an individual New Zealand resident. Click here to view the returns and fees for all of SuperLife's funds. Because there is a wide variety of index funds to choose from, it's important for investors to understand with index funds are best … The transfer fee is stated net of an income tax deduction applied in calculating your PIE tax payable (the deduction is paid to us). An index fund is a mutual fund which tracks the … Index funds within NZ have actually held up better, historically - assuming you invest only within NZ and then need to spend that money here. We are a journalistic online resource with the aim of providing New Zealanders with the best money guides, tips and tools. Trusted by more than 60,000 Kiwis, buying US shares has never been more accessible. If you need to decide, for managed funds try this. The S&P/NZX 10 Index is made up of ten of the largest financial products listed on the NZX Main Board, but excludes products issued by non-New Zealand issuers. The relevant gross fee is calculated using your PIR. Remember that the Simplicity and NZG funds track the index without a company cap, so bear that in mind if you go with those funds. The sector funds invest in the Smartshares Exchange Traded Funds, managed investment products managed by third parties or directly held financial products (such as shares). SuperLife lets you access the full range of Smartshares Exchange Traded Funds (ETFs). Here are 11 of the best index funds to buy for a variety of financial goals. The S&P/NZX 50 Portfolio Index is made up of the same financial products as the S&P/NZX 50 Index, but with a 5% cap on the weight of each product. $60 a year (regardless of the number of investment options you invest in, or the number of times you change investment options). Click here to learn about SuperLife's income reinvestment and investment strategy rebalancing options. Yet it can be hard to know where to start. You will be charged this fee if you transfer your investment from the Scheme to a UK pension scheme or another ROPS. Fee estimates for PIE funds reflect the total expense ratio in the Fund Updates provided to the Disclose Register (note that this figure includes GST and any performance-based fees), unless we have been advised of a more recent change. But which of these are working best for everyday New Zealanders? The fund aims to produce attractive long term returns by investing in quality companies chosen by our Investment Team. They issue the ETF for local share markets such as NZ Top 50 (FNZ), NZ Top 10 (TNZ), NZ MID CAP (MDZ) and NZ Bond (NZB). The SmartDIVIDEND funds are made up of some of the highest dividend paying companies listed in New Zealand and Australia. Note: some fund … We believe it's a three-step process, which we outline in detail: When you’re choosing where to buy an index fund, consider, there are a few things to consider: MoneyHub does not offer or publish financial advice, so the best approach is to do your own research as to what fund is most appropriate for your needs. Click here to view all previous fund updates. Fee Amount; Fund Charges: 0.49% per annum of fund's net value. The index fund directly invests into companies that fall within its investment criteria. Invest in environmentally and socially responsible global equities, megatrends and passive global bonds for the first time with Smartshares. Things to consider include: Low fees and index funds go hand-in-hand and are one of the reasons so many people invest in them. The best index funds for 2021 are those that are inexpensive and widely diversified. The FMA and Colmar Brunton surveyed 1,000 New Zealanders on their investing, finding that that 899 have at least one kind of investment. The fund aims to produce attractive long term returns by investing in quality companies chosen by our Investment Team. Click here to learn more. Click here to learn how NZ Super works and the current rates. This means there isn’t a fund manager actively buying and selling shares trying to pick winners, so the costs are much lower. The best index funds have low expenses and diversified portfolios that can stand the test of time. Click here to learn about SuperLife Invest, our most flexible investments/savings scheme. Here are two of the cheapest mutual funds tracking small-cap stock indices: Northern Small Cap Index … In New Zealand, index funds have another advantage, too. This list consists mostly of ETFs but includes a few mutual fund options (including mutual fund versions of ETFs). superlife@superlife.co.nz 0800 27 87 37 We can't guarantee everything contained on this website will be perfect - you use the information contained on our website and all social channels at your own risk.​. In rare instances, a provider will change a price or product before we've had a chance to update our information; double check prices first before making any decision. 1% of the amount transferred or $500 (whichever is greater). Click here to learn more. In 2019, nearly 30% of any money invested in the USA tracked indexes, and we believe New Zealand is moving (slowly) in that direction. These index funds will track small-cap indices like the Russell 2000 Index or the S&P SmallCap 600 index. The Morningstar five-star-rated iShares Select Dividend ETF (DVY, $99.71) is a great index fund for investors seeking higher-than-average yield and a portfolio of stocks that have met … Historic information for the period prior to 7 November 2016 relates to the NZX 10 Fund. What Happens If Your Investing Platform Shuts Down? Transfer to a low fee KiwiSaver provider that offers the flexibility you’re used to. Click here to learn more. Two funds that have the same investment profile, like following the NZX 50, may have different management fees: While the NZX continues to power ahead, there are many other index funds on offer to anyone resident in New Zealand. ​We cannot accept liability for any decision made based on our information. Investments are ‘passive’. Click here for an overview of your options when you reach your KiwiSaver retirement age. However, not all index funds are ‘cheap’. The Fisher Funds New Zealand Growth Fund is our flagship fund and was launched in August 1998. or even more. We welcome your stories, tips and any feedback via. The relevant gross fee is calculated using your PIR. You will be charged this fee when you transfer money into the Scheme from a UK pension scheme or another ROPS. $30 a year (regardless of the number of investment options you invest in, or the number of times you change investment options). Each of the Funds invests almost entirely in the equivalent Smartshares Exchange Traded Fund. ​. The Smartshares range of ETFs includes socially responsible … $12 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). Choosing the right type of fund for you is a way to dial your risk up or down. Click here for information on choosing your investment strategy. SuperLife disability insurance protects you from the loss of income from a severe disability that prevents you from working for an extended period. See Commonwealth Australia/New Zealand Fund performance, holdings, fees, … Combine your KiwiSaver with low fees and a passive investment strategy. Those ETFs cover Austraila, Europe, Asia Pacific, US, emerging markets and world markets. 10 Top Investments for Young New Zealanders, Investing in the US Stock Market from New Zealand, Barefoot Investor-Friendly Financial Products in New Zealand. Management fee: 0.42% p.a. Click here to learn more about KiwiSaver for members under age 18. Your tax may be lower. A mutual fund is a collection of stocks. ETFs typically contain a portfolio of … Strongest S&P 500-based Index Funds … Click here to learn about SuperLife's myFutureFund. Why try to pick stocks when you can own the whole index? To make sure you invest in an appropriate fund, we suggest making a few additional considerations: Our values statement is simple: MoneyHub exists to give every New Zealander the information they need to make better financial decisions. The paper statements fee is stated net of an income tax deduction applied in calculating your PIE tax payable (the deduction is paid to us). Click here to learn more about the UK's rules for recognised overseas pensions (ROPs). Click here to view our sector and ETF funds. The funds … There are many paths to a comfortable retirement in New Zealand. It is also a widely accepted fact that, in the long-term, no individual fund can outperform an index fund. Kiwisaver, PIE Funds, and term deposits all play their part in helping Kiwis generate wealth for their later years. There's no minimum age to join KiwiSaver. For Australian funds, the fee estimate has been taken from the latest Product Disclosure Statement for each fund. See Commonwealth Australia/New Zealand Fund (CNZLX) mutual fund ratings from all the top fund analysts in one place. Typically the fund will be invested in 15 to 20 companies in at any one time. The NZ Top 10 Fund invests in the Smartshares Exchange Traded Funds' NZ Top 10 Fund. We have listed five index fund providers that have some of the lowest fees. They also repackage ETFs and index funds from oversea to sell to New Zealand investor. Those funds can be one of the best, low-cost ways to invest in those areas. SuperLife medical insurance lets you insure against part or all of your medical expenses; from doctors' visits and prescriptions, to surgery and hospital care. No p, Getting started and investing in index funds, Check out our guide to investing in shares. New Zealand Stock Exchange owns SmartShares. For Australian funds, the fee estimate has been taken from the latest Product Disclosure Statement for each fund. … Hatch is free to join and offers a $20 top up on your initial $100 deposit. The information on this website does not constitute financial advice in any form. Click here to read our frequently asked questions on "MTCs". Best index funds for December 2020. What is an index fund? If you’re a long-term investor, i.e. Difficulty:Easy Potential risk & return:Low Bank deposits are as easy as it gets. An index fund is a form of passive investing with a portfolio constructed to match or track the components of a market index. The Fisher Funds New Zealand Growth Fund is our flagship fund and was launched in August 1998. There are funds for all of that, and a lot more. $250 for all funds, or $50 with regularly scheduled contributions. They issue the ETF for local share markets such as NZ Top 50 (FNZ), NZ Top 10 (TNZ), NZ MID CAP (MDZ) and NZ Bond (NZB). Click here to learn more. For this reason, we have cultivated some of the best index funds for 2021 to purchase for long-term holding and investing purposes. The same NZG fund with Sharesies is not as good due to their high administration fees. Administration fee: $12 a year (regardless of the number of investment options you invest in, or the number of times you change … Click here to learn about SuperLife Age Steps. When investors buy an index fund, they get a diverse selection of many shares in one bundle. For KiwiSaver funds, this will help. ETFs are bought and sold on stock exchanges like regular shares. Fidelity ZERO Large Cap Index (FNILX) The Fidelity ZERO Large Cap Index mutual fund is part of … If you are a SuperLife investor, you can, Single asset class - Australasian equities. Other NZX 50-tracking funds charge 0.35% p.a. All of SuperLife's funds can be combined in any way you choose, and changed at any time free of charge. MoneyHub believes Hatch delivers transparent fee trading to all levels of investors. The relevant gross fee is calculated using your PIR. These 50 companies make up over 90 per cent of the value in the New Zealand stock market. The sector funds invest in the Smartshares Exchange Traded Funds, managed investment products managed by third parties or directly held financial products (such as shares). Index funds are best for many individual investors, and these four choices can provide a solid base By Vince Martin , InvestorPlace Contributor Sep 24, 2020, 1:55 pm EST September 24, 2020 Click here to view the returns (after fees and taxes) and fees for all of SuperLife's funds. Click here to view our frequently asked questions on investing. About the Fund. The administration fee is stated net of an income tax deduction applied in calculating your PIE tax payable (the deduction is paid to us). Want to invest in the Australian share market, top 500 America companies, or New Zealand's top 20 companies? We link to other websites throughout this website, but take no responsibility for the content they publish. Discover Benzinga's picks for the best index funds you can buy for December 2020 based on 1 and 5 year returns, expense ratios and more. Typically the fund … Bank deposits will give you low returns, but are low risk, making them ideal for saving money for the short-term or for s… The fund is 100% hedged to New Zealand dollars, so it is designed to track the return of the FTSE Global All Cap Index (100% Hedged to the New Zealand Dollar). On 7 November 2016, the NZX 10 Fund was resettled as the Smartshares NZ Top 10 ETF. SmartShares NZ Dividend ETF (DIV) Invests in financial products listed on … The gross fee is calculated using your PIR. Many of the lowest-fee index funds follow the S&P 500 in part, and some index funds follow niche sectors. looking to build up savings over five, ten or even twenty years, index funds can deliver strong returns. Those funds can be one of the best, low … The relevant gross fee is calculated using your PIR. But not all index funds are diversified, and some are not ideal for long-term investing. We're committed to making the transfer process as simple as possible. Institution Rate 33% 39%; ANZ Term Fund - 90 days: 0.35 : 0.36 : 0.37: ANZ Term fund - 12 months: 0.85 : 0.87 : 0.91: ANZ Term Fund - 120 days: 0.45 : 0.46 : 0.48 1% of the amount transferred or $500 (whichever is greater). $18 a year (you will only be charged this fee if you choose to receive statements and other SuperLife communications in paper form). New Zealand Stock Exchange owns SmartShares. Because of the way they are run, they don't have to pay tax on their capital gains, whereas active funds do. 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