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mysuper easyselect
Our easyselect investment option automatically reduces your investment risk as you get older. easyselect works by investing your retirement savings in one of mysuper’s four investment funds depending on your age. You can see which mysuper investment fund you’ll be invested in using our easyselect slider tool.
16-47 years old: mysuper Growth Fund
You are saving and have many years until retirement to withstand rises and falls in the value of your retirement savings so you will have a large proportion of growth assets
Our Growth Fund is a well-diversified investment fund holding approximately 80% growth assets (like equities) and 20% lower risk income assets (like fixed interest and cash). The objective of our Growth Fund is to achieve a high level of real returns (in excess of inflation) over the medium to long term (around ten years plus), accepting that over the short term (between one to three years), investment returns could be negative.
How does our Growth Fund meet your needs?
A simple way of accessing New Zealand and international equities
Our Growth Fund uses a multi-manager approach to investing in global shares, blending together some of the world’s leading investment managers with reporting, administration and asset consulting into one investment solution. This approach provides you with the benefit of diversification and competitive returns across a range of global markets.
Broad diversification
Our Growth Fund is invested by some of the world’s leading investment managers which provide diversification across, regions, sectors and securities, with the aim of achieving growth with smoother returns by negotiating the ups and downs of the market.
Access to some of the world’s best investment managers
Our Growth Fund uses a combination of passive and active management to invest your retirement savings. Through active management we can rotate different manager styles, which enables our Growth Fund to respond quickly to changes in market conditions.
It gives you the choice to invest responsibly
Responsible investing is a way for you to direct your money toward companies that are making a positive impact on the environment and on society and away from those that cause harm.
Performance
The mysuper Growth Fund was established on 1 April 2011. mysuper investment returns are for the 12-month period to 31 July 2018 after taxes (but before fees). Average KiwiSaver data can be sourced from the Disclose Register available free from companiesoffice.govt.nz/disclose
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Understanding the risk indicator
Managed funds in New Zealand must have a standard risk indicator. The risk indicator is designed to help investors understand the uncertainties both for loss and growth that may affect their investment. You can compare Funds using the risk indicator.
The risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the Fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way.
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To help you clarify your own attitude to risk, you can seek financial advice or work out your risk profile at sorted.org.nz/calculators/investment-planner Note that even the lowest category does not mean a risk-free investment, and there are other risks (described below under the heading ‘Other specific risks’) that are not captured by this rating.
This risk indicator is not a guarantee of a Fund’s future performance. While risk indicators are usually relatively stable, they do shift from time to time.
How this fund invests your money
Unsure of what some of technical terms mean? We’ve explained them a bit more below:
Cash and Cash Equivalents
Cash and cash equivalents comprise cash on hand and demand deposits (like in a savings account in a bank), together with short-term, highly liquid investments (like term deposits). These investments are low risk, and offer a reliable return that can be used as income.
NZ Fixed Interest
Long-term, interest-earning assets, bonds in New Zealand compaines and the New Zealand Government. These investments are generally lower risk, and offer a reliable return that can be used as income.
International Fixed Interest
Long-term, interest-earning assets, bonds in non- New Zealand compaines and the non- New Zealand Governments. These investments are generally lower risk, and offer a reliable return that can be used as income.
NZ Equities
A share in the ownership of a New Zealand company and entitlement to any dividends. These are sometimes referred to as ‘equities’ or ‘stocks’ as well. These investments are generally higher risk, and offer a return that can grow your retirement savings over the longer term.
International Equities
A share in the ownership of a non- New Zealand company and entitlement to any dividends. These are sometimes referred to as ‘equities’ or ‘stocks’ as well. These investments are generally higher risk, and offer a return that can grow your retirement savings over the longer term.
What are the fees?
Fees
Download fund updates
Download the easyselect information updates for this Fund
Did you know you can take a look at how your retirement savings are shaping up by using the retirement income simulator within your mysuper account? Based on your current age, account balance, salary and fund selection it gives you an indication of what type of income you could look forward to.
Simply log into your mysuper account and you’ll find it under your member statements on the ‘Your super amount’ page.
48-59 years old: mysuper Balanced Fund
Retirement is still in the distance but approaching. It’s time to hold a more balanced mix of growth and conservative assets.
Our Balanced Fund is a well-diversified investment fund that has a balance of risk through holding approximately 55% growth assets (like equities) and 45% lower risk income assets (like fixed interest and cash). The objective of our Balanced Fund is to achieve higher positive real investment returns (in excess of inflation) over the medium term (around ten years), accepting that over the short term (between one to three years), investment returns could be negative.
How does our Balanced Fund meet your needs?
A simple way of accessing NZ and international equities
Our Balanced Fund invests in equities across NZ and the world’s share markets using a multi-manager approach. This provides you with a simple and easy way of accessing a wide range of equity investments.
Reduced risk through diversification
Our Balanced Fund takes a global approach to better position the fund to capture global market themes. Our Balanced Fund also provides diversification by region, manager and style, with the aim of delivering you with more stable returns.
Access to some of the world’s best investment managers
Our Balanced Fund uses a combination of passive and active management to invest your retirement savings. You benefit from exposure to a range of high quality investment managers.
It gives you the choice to invest responsibly
Responsible investing is a way for you to direct your money toward companies that are making a positive impact on the environment and on society and away from those that cause harm.
Performance
The mysuper Balanced Fund was established on 27 August 1991. mysuper investment returns are for the 12-month period to 31 July 2018 after taxes (but before fees). Average KiwiSaver data can be sourced from the Disclose Register available free from companiesoffice.govt.nz/disclose
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Understanding the risk indicator
Managed funds in New Zealand must have a standard risk indicator. The risk indicator is designed to help investors understand the uncertainties both for loss and growth that may affect their investment. You can compare Funds using the risk indicator.
The risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the Fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way.
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To help you clarify your own attitude to risk, you can seek financial advice or work out your risk profile at sorted.org.nz/calculators/investment-planner Note that even the lowest category does not mean a risk-free investment, and there are other risks (described below under the heading ‘Other specific risks’) that are not captured by this rating.
This risk indicator is not a guarantee of a Fund’s future performance. While risk indicators are usually relatively stable, they do shift from time to time.
How this fund invests your money
Unsure of what some of technical terms mean? We’ve explained them a bit more below:
Cash and Cash Equivalents
Cash and cash equivalents comprise cash on hand and demand deposits (like in a savings account in a bank), together with short-term, highly liquid investments (like term deposits). These investments are low risk, and offer a reliable return that can be used as income.
NZ Fixed Interest
Long-term, interest-earning assets, bonds in New Zealand compaines and the New Zealand Government. These investments are generally lower risk, and offer a reliable return that can be used as income.
International Fixed Interest
Long-term, interest-earning assets, bonds in non- New Zealand compaines and the non- New Zealand Governments. These investments are generally lower risk, and offer a reliable return that can be used as income.
NZ Equities
A share in the ownership of a New Zealand company and entitlement to any dividends. These are sometimes referred to as ‘equities’ or ‘stocks’ as well. These investments are generally higher risk, and offer a return that can grow your retirement savings over the longer term.
International Equities
A share in the ownership of a non- New Zealand company and entitlement to any dividends. These are sometimes referred to as ‘equities’ or ‘stocks’ as well. These investments are generally higher risk, and offer a return that can grow your retirement savings over the longer term.
What are the fees?
Fees
Download fund updates
Download the easyselect information updates for this Fund
Did you know you can take a look at how your retirement savings are shaping up by using the retirement income simulator within your mysuper account? Based on your current age, account balance, salary and fund selection it gives you an indication of what type of income you could look forward to.
Simply log into your mysuper account and you’ll find it under your member statements on the ‘Your super amount’ page.
60-66 years old: mysuper Conservative Fund
Retirement is approaching so your asset mix should now lean towards more conservative types, while still seeking growth.
Our Conservative Fund is a well-diversified investment fund primarily holding 80% lower-risk income assets (i.e. fixed interest and cash) with a 20% allocation to growth assets (like equities). The objective of our Conservative Fund is to achieve a low likelihood of negative returns over the short to medium term (between one to three years), whilst providing the opportunity for positive real returns (in excess of inflation) over the long term (around ten years plus).
How does our Conservative Fund meet your needs?
Stable returns
Our Conservative Fund provides diversification within the fixed income asset class through exposure to a range of sectors and securities around the world. It aims to deliver more stable returns by also diversifying across investment styles.
Highly diversified
Our Conservative Fund has exposure to a well-diversified portfolio of longer term fixed interest securities and smaller exposure to equities. This helps minimise risk and broaden the opportunity set.
Access to some of the world’s best investment managers
Our Conservative Fund uses a combination of passive and active management to invest your retirement savings. You benefit from exposure to a range of high quality investment managers.
It gives you the choice to invest responsibly
Responsible investing is a way for you to direct your money toward companies that are making a positive impact on the environment and on society and away from those that cause harm.
Performance
The mysuper Conservative Fund was established on 1 April 2004. mysuper investment returns are for the 12-month period to 31 July 2018 after taxes (but before fees). Average KiwiSaver data can be sourced from the Disclose Register available free from companiesoffice.govt.nz/disclose
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Understanding the risk indicator
Managed funds in New Zealand must have a standard risk indicator. The risk indicator is designed to help investors understand the uncertainties both for loss and growth that may affect their investment. You can compare Funds using the risk indicator.
The risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the Fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
To help you clarify your own attitude to risk, you can seek financial advice or work out your risk profile at sorted.org.nz/calculators/investment-planner Note that even the lowest category does not mean a risk-free investment, and there are other risks (described below under the heading ‘Other specific risks’) that are not captured by this rating.
This risk indicator is not a guarantee of a Fund’s future performance. While risk indicators are usually relatively stable, they do shift from time to time.
How this fund invests your money
Unsure of what some of technical terms mean? We’ve explained them a bit more below:
Cash and Cash Equivalents
Cash and cash equivalents comprise cash on hand and demand deposits (like in a savings account in a bank), together with short-term, highly liquid investments (like term deposits). These investments are low risk, and offer a reliable return that can be used as income.
NZ Fixed Interest
Long-term, interest-earning assets, bonds in New Zealand compaines and the New Zealand Government. These investments are generally lower risk, and offer a reliable return that can be used as income.
International Fixed Interest
Long-term, interest-earning assets, bonds in non- New Zealand compaines and the non- New Zealand Governments. These investments are generally lower risk, and offer a reliable return that can be used as income.
NZ Equities
A share in the ownership of a New Zealand company and entitlement to any dividends. These are sometimes referred to as ‘equities’ or ‘stocks’ as well. These investments are generally higher risk, and offer a return that can grow your retirement savings over the longer term.
International Equities
A share in the ownership of a non- New Zealand company and entitlement to any dividends. These are sometimes referred to as ‘equities’ or ‘stocks’ as well. These investments are generally higher risk, and offer a return that can grow your retirement savings over the longer term.
What are the fees?
Fees
Download fund updates
Download the easyselect information updates for this Fund
Did you know you can take a look at how your retirement savings are shaping up by using the retirement income simulator within your mysuper account? Based on your current age, account balance, salary and fund selection it gives you an indication of what type of income you could look forward to.
Simply log into your mysuper account and you’ll find it under your member statements on the ‘Your super amount’ page.
67-75 years old: mysuper Cash Fund
You want to achieve modest, stable returns with a very low level of investment risk - in exchange there will be no significant short-term movements up and down in the value of your investments.
Our Cash Fund is an investment fund invested in 100% cash (like term deposits) and short-term bank securities. The objective of our Cash Fund is to achieve modest, stable returns.
How does our Cash Fund meet your needs
Proven track record
Our Cash Fund is managed by AMP Capital’s New Zealand Fixed Income team based in Wellington. The team has over 50 years’ combined investment experience.
AMP Capital has one of the most experienced teams in the management of cash investments and has a proven track record in delivering returns above the market index.
Selection expertise
AMP Capital’s investment team considers economic fundamentals, market sentiment, fund flows and relative value between the cash rate and other securities along the yield curve in determining the selection of suitable securities.
Extremely low levels of volatility
Our Cash Fund provides liquidity and extremely low levels of volatility. There are, however, opportunities for active management to add value through a combination of interest rate and credit strategies.
It gives you the choice to invest responsibly
Responsible investing is a way for you to direct your money toward companies that are making a positive impact on the environment and on society and away from those that cause harm.
Performance
The mysuper Cash Fund was established on 1 October 2016. mysuper investment returns are for the 12-month period to 31 July 2018 after taxes (but before fees). Average KiwiSaver data can be sourced from the Disclose Register available free from companiesoffice.govt.nz/disclose
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- 4
- 5
- 6
- 7
Understanding the risk indicator
Managed funds in New Zealand must have a standard risk indicator. The risk indicator is designed to help investors understand the uncertainties both for loss and growth that may affect their investment. You can compare Funds using the risk indicator.
The risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the Fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
To help you clarify your own attitude to risk, you can seek financial advice or work out your risk profile at sorted.org.nz/calculators/investment-planner Note that even the lowest category does not mean a risk-free investment, and there are other risks (described below under the heading ‘Other specific risks’) that are not captured by this rating.
This risk indicator is not a guarantee of a Fund’s future performance. While risk indicators are usually relatively stable, they do shift from time to time.
How this fund invests your money
Unsure of what some of technical terms mean? We’ve explained them a bit more below:
Cash and Cash Equivalents
Cash and cash equivalents comprise cash on hand and demand deposits (like in a savings account in a bank), together with short-term, highly liquid investments (like term deposits). These investments are low risk, and offer a reliable return that can be used as income.
NZ Fixed Interest
Long-term, interest-earning assets, bonds in New Zealand compaines and the New Zealand Government. These investments are generally lower risk, and offer a reliable return that can be used as income.
International Fixed Interest
Long-term, interest-earning assets, bonds in non- New Zealand compaines and the non- New Zealand Governments. These investments are generally lower risk, and offer a reliable return that can be used as income.
NZ Equities
A share in the ownership of a New Zealand company and entitlement to any dividends. These are sometimes referred to as ‘equities’ or ‘stocks’ as well. These investments are generally higher risk, and offer a return that can grow your retirement savings over the longer term.
International Equities
A share in the ownership of a non- New Zealand company and entitlement to any dividends. These are sometimes referred to as ‘equities’ or ‘stocks’ as well. These investments are generally higher risk, and offer a return that can grow your retirement savings over the longer term.
What are the fees?
Fees
Download fund updates
Download the easyselect information updates for this Fund
Did you know you can take a look at how your retirement savings are shaping up by using the retirement income simulator within your mysuper account? Based on your current age, account balance, salary and fund selection it gives you an indication of what type of income you could look forward to.
Simply log into your mysuper account and you’ll find it under your member statements on the ‘Your super amount’ page.
