Civic Financial Services Ltd manages the SuperEasy KiwiSaver scheme to provide retirement benefits for New Zealanders who have connections with the local government. SuperEasy has low fees in exchange for a membership fee of $4.50 per month and has no setup charge or switching fee.
We’ll be looking over SuperEasy’s major funds as per the most recent annual returns from the 31st of March 2023 and SuperEasy’s latest KiwiSaver Performance. This includes their returns, fees, asset allocation, and the investment distribution of each fund. The analysis will give you an idea of how SuperEasy manages their KiwiSaver Funds.
Table of Contents
Annual Return Performance of SuperEasy’s funds
Annual Return Performance of SuperEasy’s funds
| Funds |
1 year |
5 year |
10 year |
|
Conservative |
-1.37% |
2.42% |
4.49% |
|
Balanced |
-2.87% |
4.24% |
6.93% |
|
Growth |
-3.45% |
5.43% |
8.56% |
|
Aggressive |
-1.40% |
7.62% |
10.82% |
Note: The returns arise from a single payment made at the start of the year, before investment fees, tax and expenses. Any past performance is no guarantee of future performance.
Source SuperEasy’s Investment Returns
Conservative Fund
The Conservative Fund target asset allocations are 20% in growth assets and 80% in income assets. Its objective is to reduce the likelihood of negative returns over the short term while still providing an opportunity for positive actual returns by investing a smaller proportion of the Fund in growth assets.
Returns
*Source SuperEasy’s Conservative Fund Update
Fees
The total annual fees for investors in SuperEasy’s Conservative fund are 0.39% per year, along with a $54 administrative charge that accounts for the monthly membership fees.
*Source SuperEasy’s Conservative Fund Update
Investment Mix
The mix shows the type of assets that the fund invests in.
*Source SuperEasy’s Conservative Fund Update
Investment distribution
The following is the distribution of SuperEasy’s eight investments in the Conservative fund, which make up the entirety of the fund.
*Source SuperEasy’s Conservative Fund Update
Balanced Fund
The Balanced Fund target asset allocations are 50% in growth assets and 50% in income assets. It aims to reduce the likelihood of negative returns over the short to medium term while still providing a reasonable opportunity for positive returns over the longer term.
Returns
*Source SuperEasy’s Balanced Fund Update
Fees
The total annual fees for investors in SuperEasy’s Balanced fund are 0.40% per year, along with a $54 administrative charge that accounts for the monthly membership fees.
*Source SuperEasy’s Balanced Fund Update
Investment Mix
The mix shows the type of assets that the fund invests in.
*Source SuperEasy’s Balanced Fund Update
Investment distribution
The following is the distribution of SuperEasy’s eight investments in the Balanced fund, which make up the entirety of the fund.
*Source SuperEasy’s Balanced Fund Update
Growth Fund
The Growth Fund target asset allocations are 70% in growth assets and 30% in income assets. Its purpose is to achieve positive returns over the medium to long term through investment in growth assets while controlling volatility through diversification of the Fund’s assets
Returns
*Source SuperEasy’s Growth Fund Update
Fees
The total annual fees for investors in SuperEasy’s Growth fund are 0.40% per year, along with a $54 administrative charge that accounts for the monthly membership fees.
*Source SuperEasy’s Growth Fund Update
Investment Mix
The mix shows the type of assets that the fund invests in.
*Source SuperEasy’s Growth Fund Update
Investment Distribution
The following is the distribution of SuperEasy’s eight investments in the Growth fund, which make up the entirety of the fund.
*Source SuperEasy’s Growth Fund Update
Aggressive Fund
The Aggressive Fund target asset allocations are 90% in growth assets and 10% in income assets. Its objective is to achieve a high level of actual returns over the medium to long term, primarily through investment in equities.
Returns
*Source SuperEasy’s Aggressive Fund Update
Fees
The total annual fees for investors in SuperEasy’s Aggressive fund are 0.40% per year, along with a $54 administrative charge that accounts for the monthly membership fees.
*Source SuperEasy’s Aggressive Fund Update
Investment Mix
The mix shows the type of assets that the fund invests in.
*Source SuperEasy’s Aggressive Fund Update
Investment distribution
The following is the distribution of SuperEasy’s eight investments in the Aggressive fund, which make up the entirety of the fund.
*Source SuperEasy’s Aggressive Fund Update
To see if SuperEasy has the appropriate fund that aligns with your values, retirement goals and situation, complete National Capital’s KiwiSaver HealthCheck.
