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Superlife KiwiSaver
Superlife is a KiwiSaver provider that runs 50 KiwiSaver funds, has 142,109 members, manages $2.9 billion, or 2.1% of the KiwiSaver market.
About Superlife
Superlife was founded in 2009 and acquired by NZX in 2015, putting it under the same ownership as Smartshares. Rather than offering pre-packaged balanced funds, Superlife lets investors allocate across multiple individual asset-class funds — NZ equities, global equities, property, bonds and more — building their own portfolios from 10+ component funds. The build-your-own approach suits experienced investors who want precise control over asset allocation at low cost. Mostly passive, low fees, no advice — fully self-directed.
Key facts
- Ownership
- NZ-owned
- KiwiSaver scheme established
- 2007
- Investment approach
- Passive indexing
- KiwiSaver funds under management
- $2.9 billion (2.1% of the KiwiSaver market)
- Members
- 142,109
- Average member balance
- $20,344
- KiwiSaver funds offered
- 50
- Annual fee range
- 0.20% – 1.28%
Fund range by risk profile
- Defensive: 9 funds
- Conservative: 1 fund
- Balanced: 5 funds
- Growth: 4 funds
- Aggressive: 31 funds
How has Superlife KiwiSaver performed?
Over the last 5 years, their highest-returning fund was the High Growth Fund, at +6.7% a year after fees and tax.
| Risk profile | Fund | Return |
|---|---|---|
| Defensive | NZ Cash Fund | +2.0% |
| Conservative | Superlife Conservative Fund | +4.9% |
| Balanced | Superlife Balanced Fund | +8.2% |
| Growth | Superlife Growth Fund | +10.1% |
| Aggressive | Superlife High Growth Fund | +12.5% |
KiwiSaver funds offered by Superlife
| Fund | Risk profile | Annual fee | 1 year | 5 years p.a. |
|---|---|---|---|---|
| Global Aggregate Bond Fund | Defensive | 0.59% | +1.0% | −1.5% |
| NZ Bonds Fund | Defensive | 0.54% | +2.6% | +1.5% |
| NZ Cash Fund | Defensive | 0.52% | +2.0% | +2.4% |
| Overseas Bonds Fund | Defensive | 0.59% | +0.3% | −0.1% |
| Overseas Non-Government Bonds Fund | Defensive | 0.54% | +1.5% | −0.1% |
| S&P/NZx NZ Government Bond Fund | Defensive | 0.54% | +1.9% | −0.1% |
| Superlife Age Steps - Age 80 | Defensive | 0.56% | +2.5% | +1.0% |
| Superlife Income Fund | Defensive | 0.56% | +1.4% | +0.3% |
| Uk Cash Fund | Defensive | 0.49% | +2.4% | +3.5% |
| Superlife Conservative Fund | Conservative | 0.57% | +4.9% | +2.5% |
| Ethica Fund | Balanced | 0.70% | +7.5% | +4.3% |
| Superlife Age Steps - Age 60 | Balanced | 0.60% | +7.8% | +4.0% |
| Superlife Age Steps - Age 70 | Balanced | 0.58% | +5.8% | +2.9% |
| Superlife Balanced Fund | Balanced | 0.60% | +8.2% | +4.3% |
| Superlife Default Fund | Balanced | 0.20% | +7.1% | Not reported |
| Superlife Age Steps - Age 30 | Growth | 0.62% | +10.3% | +5.4% |
| Superlife Age Steps - Age 40 | Growth | 0.62% | +10.3% | +5.4% |
| Superlife Age Steps - Age 50 | Growth | 0.61% | +9.7% | +5.1% |
| Superlife Growth Fund | Growth | 0.61% | +10.1% | +5.5% |
| Asia Pacific Fund | Aggressive | 0.59% | +33.3% | +8.7% |
| Australian Dividend Fund | Aggressive | 0.59% | +27.3% | +10.0% |
| Australian Financials Fund | Aggressive | 0.59% | +25.1% | +14.0% |
| Australian Mid Cap Fund | Aggressive | 0.59% | +18.7% | +8.8% |
| Australian Property Fund | Aggressive | 0.59% | +8.6% | +2.7% |
| Australian Resources Fund | Aggressive | 0.59% | +59.0% | +12.7% |
| Australian Shares Fund | Aggressive | 0.59% | +15.1% | +8.6% |
| Australian Top 20 Fund | Aggressive | 0.59% | +25.2% | +10.1% |
| Castle Point 5 Oceans Fund | Aggressive | 1.28% | +7.8% | +3.5% |
| Emerging Markets Fund | Aggressive | 0.73% | +18.5% | +5.8% |
| Europe Fund | Aggressive | 0.59% | +15.3% | +10.7% |
| Global Property Fund | Aggressive | 0.58% | +5.3% | −0.1% |
| NZ Dividend Fund | Aggressive | 0.59% | +19.4% | +3.0% |
| NZ Mid Cap Fund | Aggressive | 0.59% | +6.6% | +0.4% |
| NZ Property Fund | Aggressive | 0.59% | +7.0% | −3.3% |
| NZ Shares Fund | Aggressive | 0.59% | +4.1% | −0.5% |
| NZ Top 10 Fund | Aggressive | 0.59% | +4.1% | −0.3% |
| NZ Top 50 Fund | Aggressive | 0.59% | +4.1% | −0.5% |
| Overseas Shares (Currency Hedged) Fund | Aggressive | 0.58% | +12.7% | +8.6% |
| Overseas Shares Fund | Aggressive | 0.58% | +14.1% | +11.5% |
| S&P/Asx 200 Fund | Aggressive | 0.59% | +19.2% | +8.8% |
| S&P/NZx 50 Fund | Aggressive | 0.59% | +4.3% | −0.2% |
| Superlife Age Steps - Age 20 | Aggressive | 0.63% | +12.1% | +6.4% |
| Superlife High Growth Fund | Aggressive | 0.63% | +12.5% | +6.7% |
| Total World (NZd Hedged) Fund | Aggressive | 0.58% | +12.4% | +7.6% |
| Total World Fund | Aggressive | 0.58% | +16.0% | +11.1% |
| US 500 Fund | Aggressive | 0.54% | +15.3% | +14.1% |
| US Large Growth Fund | Aggressive | 0.57% | +13.5% | +13.6% |
| US Large Value Fund | Aggressive | 0.57% | +15.9% | +13.1% |
| US Mid Cap Fund | Aggressive | 0.57% | +11.5% | +9.1% |
| US Small Cap Fund | Aggressive | 0.57% | +16.6% | +7.6% |
Figures are after fund charges and tax, sourced from the FMA Disclose Register. Past performance is not a reliable indicator of future returns.