National Capital - Your Trusted KiwiSaver Adviser
Explore SBS Wealth KiwiSaver plan with National Capital – Your expert KiwiSaver adviser. National Capital works with SBS Wealth KiwiSaver to help ensure your investment is aligned with your financial goals.
Why National Capital for KiwiSaver Advice?
At National Capital, we simplify the KiwiSaver advice process by providing expert, unbiased recommendations tailored to your needs. Our proprietary investment selection methodology is designed to help you build trust and confidence in your investments. Through this process we thoroughly evaluate KiwiSaver funds across the below 6 pillars to determine the best providers and funds for your goals and circumstances.
1
Performance After Fees
Quality and consistency of returns
25
pts
2
Fees Alignment
Assessment of value provided for fees charged.
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pts
3
Organisational Capability
The capability of the organisation to manage your money.
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pts
4
Organisational Stability
Overall stability within a provider’s organisation.
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pts
5
Processes & Portfolio Composition
Asset allocation, investing process and style consistency.
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pts
6
Ethical Investing Considerations
Deep dive into the ethical investing claims of providers.
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pts
Start your KiwiSaver Success Journey Today
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SBS Wealth KiwiSaver Plan
Who is SBS Wealth KiwiSaver?
SBS Wealth Limited is a New Zealand-based financial services provider, operating under the umbrella of SBS Bank, which is owned by its members. This structure ensures that the organization remains focused on serving the local community.
The SBS Wealth KiwiSaver Scheme is designed to help New Zealanders achieve their retirement goals by offering a variety of investment options and personalized financial advice. The scheme’s management emphasizes transparency, client-focused service, and a commitment to responsible investing.
SBS Wealth KiwiSaver Plan
The SBS Wealth KiwiSaver Scheme offers a range of investment options tailored to meet the diverse needs of its members. Managed by SBS Wealth Limited, a wholly owned subsidiary of Southland Building Society (operating as SBS Bank), the scheme provides access to various funds, including the Focused Growth Fund, High Growth Fund, Income Fund, Cash Fund, and a Lifestages Auto Option that adjusts asset allocation based on the member’s age.
The investment team at SBS Wealth is committed to delivering long-term returns through a hands-on approach. Notably, all members of the investment team have their personal KiwiSaver funds invested in the scheme, reflecting their confidence in its performance.
How Does SBS Wealth Invest?
SBS Wealth’s investment decisions are guided by a comprehensive Statement of Investment Policy and Objectives (SIPO), which outlines the strategic asset allocations and investment guidelines for each fund. The investment team employs a disciplined approach, focusing on asset diversification and long-term growth.
The scheme offers various funds to cater to different risk appetites and investment horizons:
- Focused Growth Fund: Aims for higher-risk, long-term capital growth by investing in a concentrated selection of international growth assets.
• High Growth Fund: Targets long-term growth through a broad spread of New Zealand and international growth assets. - Income Fund: Offers a low-risk option by investing predominantly in income-producing assets such as cash and fixed-interest investments.
• Cash Fund: Provides a very low-risk investment by holding entirely income-producing assets like cash and cash equivalents. - Lifestages Auto Option: Automatically adjusts the investment mix based on the member’s age, shifting from growth-oriented assets to more conservative ones as retirement approaches.
The investment team regularly reviews and rebalances the portfolios to align with the scheme’s objectives and market conditions.
Does SBS Wealth Invest Responsibly?
SBS Wealth integrates responsible investing principles into its investment process. The organization emphasizes environmental, social, and governance (ESG) factors, aiming to foster positive outcomes for society and the environment.
Key aspects of their responsible investing approach include:
- Stewardship Principles: Focusing on driving change over time and seeking opportunities for improved ESG performance through active engagement with companies.
- ESG Integration: Considering ESG factors in investment decisions, targeting companies with lower carbon intensity and greater involvement in carbon solutions.
- Exclusion Policies: Avoiding investments in industries such as controversial weapons, nuclear weapons, and adult entertainment.
SBS Wealth’s commitment to responsible investing reflects its dedication to delivering sustainable long-term returns while contributing positively to the community and the planet.
Last updated: 7th May 2025. | Source: Provider’s website