The same fees and investments as our KiwiSaver funds, with full access to all of your money at any time.
All diversified funds charge the same low fee - 0.25% p.a., or $2.50 for every $1000 invested.
Nothing else.
Our Global Share and Bond funds charge a very low - 0.15% p.a., or $1.50 for every $1000 invested. Like all our funds there are no entry or exit fees.
Our NZ Cash, NZ Share and NZ Bond funds charge even less - 0.1% p.a., or $1.00 for every $1000 invested.
The fee savings we call the Simplicity Difference. Find yours below.
Source: Simplicity diversified fund fees are as at 01/02/2024. The average industry fees for diversified Investment funds are from Sorted Smart Investor as at 01/11/2024. Annual fee amounts are calculated based on a static investment balance of $50,000. The average industry fees may change, and actual fees paid may vary based on investor balance over a given year.
This fund invests mostly in growth assets.
This fund invests mostly in growth assets, with a limited exposure to income assets.
This fund invests in a mix of growth and income assets.
This fund is mostly invested in income assets, with a limited exposure to growth assets.
Fund Name |
1 Month |
6 Months |
1 Year |
2 Years Annualised |
3 Years Annualised |
5 Years Annualised |
|---|---|---|---|---|---|---|
High Growth Fund |
4.37% |
12.08% |
25.87% |
|||
Growth Fund |
3.76% |
10.73% |
22.13% |
15.23% |
6.37% |
8.20% |
Balanced Fund |
3.08% |
9.20% |
18.00% |
12.27% |
4.58% |
5.96% |
Conservative Fund |
1.73% |
6.33% |
11.09% |
7.32% |
1.52% |
2.16% |
Homes and Income Fund |
0.43% |
2.89% |
5.81% |
* These returns are to 30-11-2024 and are before tax and after fund management fees. Past performance is not necessarily an indicator of future performance and return periods may differ. From 01-07-2024 the Defensive Fund became the NZ Cash Fund, its past performance is not provided above.
This fund invests in shares listed on the New Zealand Stock Exchange.
This fund invests in New Zealand government and investment grade bonds issued in New Zealand dollars.
This fund invests in a portfolio of cash, short term bonds and other debt securities.
This fund invests in listed company shares in developed markets and is designed to be part of a diversified investment portfolio.
This fund invests in listed company shares in developed markets and is designed to be part of a diversified investment portfolio.
This fund invests in investment grade bonds in developed markets and is designed to be part of a diversified investment portfolio.
Fund Name |
1 Month |
6 Months |
1 Year |
2 Years Annualised |
3 Years Annualised |
5 Years Annualised |
|---|---|---|---|---|---|---|
NZ Share Fund |
3.16% |
9.63% |
14.83% |
6.79% |
1.43% |
3.28% |
NZ Bond Fund |
0.61% |
4.97% |
8.04% |
4.63% |
0.69% |
-0.38% |
NZ Cash Fund ** |
0.41% |
3.23% |
5.81% |
|||
Hedged Global Share Fund |
5.16% |
12.47% |
29.68% |
|||
Unhedged Global Share Fund |
5.50% |
16.67% |
34.34% |
|||
Hedged Global Bond Fund |
1.22% |
4.67% |
6.51% |
* These returns are to 30-11-2024 and are before tax and after fund management fees. Past performance is not necessarily an indicator of future performance and return periods may differ.
** Changed from the Defensive Investment Fund, performance provided from 1 July 2024.
See how different fund types and contributions will impact your projected returns.
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A complete breakdown of all investments, contributions, fees, taxes and returns.
You're in charge. You can change the funds you're invested in online at no charge.
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