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Simplicity KiwiSaver Scheme

Conservative Fund

Simplicity (NZ) Ltd

Conservative fund type

Here's what the provider says about this fund:

The Conservative Fund provides investors with a limited exposure to growth assets, but most of its investments are in income assets.

Considering switching to this fund? Read the must-knows of switching funds before you start the switching process.

Combined fees

This fund
0.55%
vs
Average
1.04%

The combined fees are how much you would have been charged for the year ended 30 June 2017 on the average KiwiSaver balance.

All the averages you see are for this same type of fund, so you’re comparing apples with apples.

Show fees breakdown

Combined fees include

Membership fees per year

This fund
$30.00
Average
$29.33

Here you’ll find the total breakdown of the combined fees. These don’t include other fees such as for switching or withdrawing.

+ Total fund fees

This fund
0.31%
Average
0.81%
Annual management fee
0.30%
0.70%
Performance-based fees
0.00%
0.00%
Other fees and costs
0.01%
0.13%

Your KiwiSaver money is invested by a professional fund manager, so there are always fees to pay. Fees can have a big impact on your nest egg, especially in the long run, so it pays to keep a close eye on how they add up.

Must-knows of KiwiSaver fees.

Combined fees example

On a conservative fund of $12,700 the annual fees would be approximately:

This fund
$69.37
Average
$132.08

Services

From the June 2017 KiwiSaver provider survey

This fund
86%
vs
Average
81%

We surveyed KiwiSaver providers on how many different ways they help their members with investment options, communicate with members, and the extra services they offer.

So this rating is more about the quantity than the quality of services. 

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Help with investment options

This fund
89%
Average
80%

Communications to members

90%
82%

Other services

73%
79%

Here ‘help’ means things like online forms, tools, calculators and information on how to optimise your KiwiSaver. 

More communication is not always better communication, but if the provider gives you options on how you like to be reached, that usually helps.

These extras include a range of additional services that are helpful.

Must-knows of KiwiSaver service

Returns

Since April 2012

This fund
No 5-year
data yet
vs
Average
5.00%

Warning about returns!

These show how funds have performed in the past, but that’s not a good guide to how they’ll perform in the future. Don’t switch funds based on past returns.

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Compare past returns

All returns shown are after total fund fees (not membership fees) and tax (28% PIR).

Last twelve months

This fund
No 1-year data yet
Average
3.55%

The last twelve months refers to July 2016 to June 2017.

In general, it’s good to look at the longest possible time period when weighing returns. After all, with retirement savings, it’s the long game that counts.

Must-knows of KiwiSaver returns.

More fund details

Conservative fund type

Which is the right type for me?

What’s in this fund

At 30 June 2017

This shows the actual mix of investments that this fund held on 30 June 2017. This mix continually changes because of market swings and managers’ rebalancing, so these percentages are a snapshot. But it will give you a good idea of where your money is being invested.

How this fund invests your money

How this fund invests your money
Cash Bonds Property Shares Other
Assets 4.95 77.76 0 17.29 0

Fund information

Number of members
290
Total value of fund
$7,989,628
Date fund started
01 Sep 2016

More information

More information can be found at:

www.simplicity.kiwi/

Top 10 investments

These assets make up 82.41% of this fund.

Top 10 investments
Kind of investment Country Percentage of the fund Name
International fixed interest AU 36.47 Vanguard Int'L Fixed Int Index Fund Hdgd
International equities AU 11.09 Vanguard Intl Share Select Excl Indx Fund (Nzd Hedged)
New Zealand fixed interest NZ 5.48 Nzgb 5% 15/03/2019
New Zealand fixed interest NZ 5.43 Nzlgfa 6.00% 05/15/2021
Cash and cash equivalents NZ 4.95 Cash On Call
New Zealand fixed interest NZ 4.9 Nzgb 5.5% 15/04/2023
New Zealand fixed interest NZ 4.36 Westpac Bank 3.775% 07/06/2022
New Zealand fixed interest NZ 3.6 Nzgb 4.50% 15/04/2027
New Zealand fixed interest NZ 3.1 Nzgb 3% 15/04/2020
New Zealand fixed interest NZ 3.03 Nzlgfa 2.75% 15/04/2025

Key personnel

Key personnel
Name Current position Time in role
Sam Stubbs Managing Director, Simplicity 1 years, 3 months
Joy Marslin Director, Simplicity 0 years, 7 months
Kirsty Campbell Director, Simplicity 1 years, 0 months
Reuben Halper (New Appointment) Director, Simplicity 0 years, 3 months
Shamubeel Eaqab (New Appointment) Director, Simplicity 0 years, 1 months