Low fee, diversified funds with
full access to your money

The same fees and investments as our KiwiSaver funds, with full access to all of your money at any time.

Paying
too much?

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 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.



Annual fees on $50,000 invested in a diversified fund.

* This assumes a 5.33% annual return.
Okay, got it

$125

Our fee for all diversified funds

Average competitor fee for Conservative funds

* Average balanced funds fee of 1.10%
Okay, got it

$487
Average competitor fee for Balanced Funds

* Average growth funds fee of 1.30%
Okay, got it

$544
Average competitor fee for Growth Funds

* Average growth funds fee of 1.40%
Okay, got it

$692

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 02/05/2024. 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.

Diversified Funds

High Growth

This fund invests mostly in growth assets.

Growth

This fund invests mostly in growth assets, with a limited exposure to income assets.

Balanced

This fund invests in a mix of growth and income assets.

Conservative

This fund is mostly invested in income assets, with a limited exposure to growth assets.

Defensive

This fund is mostly invested in income assets, with very limited exposure to growth assets.

New

Homes and Income

This fund invests in a mix of growth and income assets.


Performance

Fund Name

1 Month

3 Months

1 Year

2 Years Annualised

3 Years Annualised

5 Years Annualised

High Growth Fund

2.20%

2.85%

16.77%

Growth Fund

1.92%

2.33%

14.23%

9.42%

4.75%

8.26%

Balanced Fund

1.61%

1.78%

11.00%

7.05%

2.85%

5.84%

Conservative Fund

1.14%

0.90%

5.80%

3.16%

-0.21%

1.87%

Defensive Fund

0.76%

0.63%

2.69%

Homes and Income Fund

0.54%

1.44%

* These returns are to 31-05-2024 and are before tax and after fund management fees. Past performance is not necessarily an indicator of future performance and return periods may differ.

Single Sector Funds

NZ Share

This fund invests in shares listed on the New Zealand Stock Exchange.

NZ Bond

This fund invests in New Zealand government and investment grade bonds issued in New Zealand dollars.

Hedged Global Share

This fund invests in listed company shares in developed markets and is designed to be part of a diversified investment portfolio.

Unhedged Global Share

This fund invests in listed company shares in developed markets and is designed to be part of a diversified investment portfolio.

Hedged Global Bond

This fund invests in investment grade bonds in developed markets and is designed to be part of a diversified investment portfolio.


Performance

Fund Name

1 Month

3 Months

1 Year

2 Years Annualised

3 Years Annualised

5 Years Annualised

NZ Share Fund

-0.69%

1.11%

1.04%

3.29%

-0.26%

3.77%

NZ Bond Fund

0.90%

0.79%

2.78%

1.58%

-1.99%

-0.78%

Hedged Global Share Fund

4.40%

3.85%

24.57%

Unhedged Global Share Fund

1.05%

2.68%

21.45%

Hedged Global Bond Fund

0.86%

-0.15%

1.82%

* These returns are to 31-05-2024 and are before tax and after fund management fees. Past performance is not necessarily an indicator of future performance and return periods may differ.

Our member website


Forecasting Tools

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Linked Accounts

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Total Transparency

A complete breakdown of all investments, contributions, fees, taxes and returns.


Easy Switching

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