Our Story

Our why, how and what.

Where it all started, around the kitchen table.

Simplicity began in 2016 around the kitchen table, with a group of friends wanting to make a real difference for other New Zealanders.

So we set up a KiwiSaver plan focussed on low fees and keeping it simple.

And from day one, we've given 15% of all fees to the Simplicity Foundation, who distribute to worthy Kiwi charities.

We've grown fast, and now offer investment funds and low-cost first home mortgages.

And we're investing in Build to Rent (BTR) housing through funding Simplicity Living Limited, an unlisted BTR property company, Kiwi startup companies, and established family and private businesses. 

Why, how and what of Simplicity


Our Why? To give Kiwis dignity in life.

Our How? To give people more choices, because a life with choices is a life with dignity.

Our What? To make our investors money. Because more money means more choices.

 

It's simple.
Money = Choices = Dignity.

How we do it

Low fees, 

and investing for good.

We believe in most cases you can't beat the market long term, so we predominantly invest our funds passively. That helps keep our fees really low. 

And where we believe we can have a competitive advantage by investing directly and locally, we do i.e. in shares in Simplicity Living, an unlisted Build to Rent housing company, first home mortgages, and a private equity portfolio of startup and private/family companies.

Investing for the long term, with complete transparency.

Being a nonprofit fund manager helps us keep fees really low, think long term, and focus on what's best for investors and New Zealand. 

And we believe in transparency, so every member can see all their investments at any time through our Where in the world is my money? tool.

100% owned by the Simplicity Foundation

Simplicity (NZ) Ltd, the licensed fund manager, is 100% owned by the Simplicity Foundation. This ensures that we think, act and invest for the long-term benefit of our members. And by giving 15% of all fees to the Simplicity Foundation, our charitable donations grow as we do.

$9,293,677

Charitable donations so far*

15% of our fees go to the Simplicity Foundation. As we grow, our donations will too. 


* Total donations as at 31 October 2024.

What our members say

We’re here for good

Simplicity was set up with a very simple mission - to make Kiwis better off, and help make a better Aotearoa New Zealand. And because we're owned by a charity, we're here for the very long term.

By focusing on very low fees and being here for good every day, we keep it simple %)