Any kiwisaver scheme supervisor, manager, promoter or other person cannot charge an unreasonable fee. Your prescribed investor rate pir anz bank new zealand. The value of riskier funds tends to rise and fall more, but over long periods those funds usually grow more, too. It operates to allow you and your employer to contribute to an investment with the aim of building a nest egg sum of money for your retirement. The product disclosure statement provides you with essential information on the anz default kiwisaver scheme, including the risks and fees involved. Services include internet banking, bank accounts, credit cards, home loans, personal loans, travel and international, investment and insurance. To access the site, you will need a unique anz my portfolio user id and password. We will consider how kiwisaver scheme supervisors monitor managers. Anz new zealand investments limited anz investments is the issuer and manager of the anz kiwisaver scheme. Regulations 10 to 12 of the kiwisaver regulations 2006 set out the process requirements and relevant criteria for the fma when considering whether a kiwisaver scheme complies with the requirement that fees not be unreasonable, and there are.
Kiwisaver and you dont need to complete the application form. The westpac kiwisaver scheme is not offered, and this investment statement does not constitute an offer, in any jurisdiction other than new zealand. In other words, you have been automatically enrolled into kiwisaver and you dont need to complete the application form. Use the enrolment form at the end of the product disclosure statement to join the asb kiwisaver scheme. If you are an anz pie fund investor, please call 0800 269 296 to update your pir. Kiwisaver account calculator are you on track to have the retirement lifestyle you want. Contributions by your employer, the government and investment earnings. To view data clearly, choose fullscreen mode by pressing the f11 key. If you are contributing from your pay, your employer is generally required to also contribute 3% to your kiwisaver account. Sep 22, 2015 kiwisaver and you dont need to complete the application form. And, our easy to use calculator can help you work out whether. It is important to measure and understand the net financial benefits of an investment, to do so you need to weigh up the cost of a fund with the investment returns.
Take interest in your kiwisaver statement it really does pay to take an active interest and keep track of your investment. The kiwisaver schemes and investment funds managed by anz investments generally invest in a diverse mix of quality assets. Weve grouped kiwisaver funds based on the riskiness of their investments. A quick summary of this investment statement to help you understand the anz kiwisaver scheme what is an investment statement. The nz funds kiwisaver scheme scheme offers four investment options.
Saving for your retirement, your first home or for your children. Login will transfer you to the website of anz new zealand investments limited, the issuer, manager and scheme provider of the oneanswer kiwisaver scheme and the manager and scheme provider of the sil employer scheme. These regular reports outline the fees, returns and investment mix for each of our investment funds, as well as the funds key people and biggest investments. Apply online now or if youre registered for anz internet banking, you can complete your application faster by logging in to internet banking. Risk indicator estimated annual fund charge percentage of net asset value of the fund lifetimes option age range 1. You can make regular contributions from your pay or directly to your scheme provider. Whether you are saving towards your first home or preparing for your retirement, your investment is in good hands with the kiwi wealth kiwisaver scheme. Find out all the info you need to know about each of our investment funds with our quarterly fund updates. If youre disciplined, you may want to split your savings between kiwisaver and a regular investment account or paying off debt. To get started, you can use this online form to request a kiwisaver first home withdrawal preapproval letter. Kiwisaver early withdrawal for a first home find help anz. Employers need to check if new employees are eligible to be automatically enrolled, enrol them if they are, and make kiwisaver deductions and contributions.
Option 1 glidepath o select glidepath please tick this boxt option 2 select an investment strategy. Kiwisaver is a great way to save for your retirement and it can also help you buy your first home. The form below can be used to update your pir if you invest in a fund administered by anz investments such as in the anzs kiwisaver schemes, the anz investment funds, sil mutual scheme, sil employer scheme or mfl mutual fund. Read your member statements as well as any newsletters, to get a better understanding of how and where money is being invested on your behalf. Discover all the benefits of kiwisaver, the longterm savings initiative. Choosing kiwisaver investment options is more complex than simply depositing money at the bank. Contributions generally come directly from your beforetax pay to your kiwisaver account. Anz new zealand investments limited is the issuer and manager of the anz kiwisaver scheme and the anz default kiwisaver scheme. Anz default kiwisaver scheme product disclosure statement. The difficulty with comparing degrees of activeness with levels of members kiwisaver fees is that fees go to pay for a lot more than investment management. Kiwisaver is a voluntary savings scheme to help set you up for your retirement.
Anz investments is an active manager, so our team is working hard to manage. Whether your retirement dream is to potter in your garden, volunteer in your local community or travel the world, kiwisaver can help you get there. Invests in a high proportion of growth assets, significant ups and downs in your balance are expected. It complements the information provided on sorteds kiwisaver fundfinder tool. Find our live anz kiwisaverconservative balanced fund basic information. Kiwisaver investment options ask an authorised financial. You can find it on your payslip or by calling inland revenue on 0800 227 774 you need to read the anz kiwisaver scheme guide and product disclosure statement if you already have your kiwisaver account with anz, you can change your fund at any time. Income assets cash and bonds pay interest and unless. Both your current fisher funds two kiwisaver scheme account balance and your future contributions will be invested as per this instruction.
The form below can be used to update your pir if you invest in a fund administered by anz investments such as in the anz s kiwisaver schemes, the anz investment funds, sil mutual scheme, sil employer scheme or mfl mutual fund. Kiwisaver is a really easy way to get saving for your retirement. There are many different options such as cash, property, bonds and sharebased kiwisaver funds. Kiwisaver providers must be open and honest about fund performance, fees, and how your money is invested. The tracker uses quarterly data from kiwisaver providers via the disclose register. Market volatility welcome to anz investments new zealand. Investment statements outline the nature of the product, and provide details on how to.
Contributions that you have made by salary deduction andor voluntary transfer. Along with your letter, youll also receive a guide to using kiwisaver to buy your first home. These documents are also available from any anz branch or by calling 0800 736 034. Kiwisaver kiwisaver is the governmentrun retirement saving scheme. Anz personal banking accounts, credit cards, loans. Your money will be pooled with other investors money and invested in various investments. Download the guide and product disclosure statement. Bnz investment services limited, a wholly owned subsidiary of bnz, is the issuer and manager of the bnz kiwisaver scheme. Kiwisaver tracker is updated quarterly and users can embed it within their own websites. If youre disciplined, you may want to split your savings between kiwisaver and a. Anz kiwisaver scheme anz default kiwisaver scheme oneanswer kiwisaver scheme anz investment funds one answer multiassetclass funds one answer singleassetclass funds. For further information, please read the guide and product disclosure statement for the anz kiwisaver scheme. Whatever your goals, investment experience or financial situation, anz has investment options for you.
Investments managers must exercise care, diligence and skill with investment of scheme assets, and act in accordance with the statement of investment policy and objectives sipo. Terms used throughout this investment statement tohelpyoubetterunderstandthisinvestmentstatement,youllfind definitionsoftermsusedintheglossaryoftermsonpage53. If you do not already have login access, please click on the request a login link above and follow the prompts. Fund updates and disclosure statements kiwi wealth. This product disclosure statement relates to offers of membership in the asb kiwisaver scheme. If you have not previously registered or wish to provide any feedback on the new changes, please contact our client services team on 1800 639 330 8. New zealand limited, but you can also choose funds managed by anz new zealand.
Amp kiwisaver scheme investment statement kiwiselect. Easy to join, easy to manage, with highly rated funds. Anz offers a range of personal banking and business financial solutions. We offer great member benefits, access to financial advice and tools to raise your money knowhow. Unit pricing unit pricing errors can have adverse implications for investors. When you put money into kiwisaver, managers invest it in income or growth assets or both. Asb kiwisaver scheme document library forms asb kiwisaver scheme product disclosure statement and enrolment form. Anz nzs chief financial officer stewart taylor answers customer questions. For more information about how we manage the funds see the statement of investment policy and objectives. Dec 22, 2014 schemeasoneofthedefaultkiwisaverschemes. Disclosure statements under the financial advisers act 2008 are available on request and free of charge from any westpac financial adviser.
Anz default kiwisaver scheme annual report pdf 548kb our latest annual report gives you a summary of our investment performance, membership numbers and key changes relating to the scheme. For example, for the same annual fee some managers are providing access to financial advisers, financial planning software, research on responsible investing, and superior client. Once youve been a kiwisaver member for at least three years, you may be able to use your kiwisaver savings to help buy your first home. Weigh up the net financial benefits of an investment. You will need to check with your software provider which one is preferred for. In addition to kiwisaver almost all of us need an additional savings program. For more information, including an explanation of the terms used in your account statement, please choose your scheme or fund below. Were 100% kiwiowned and operated and our team is based right here in new zealand. Kiwi wealth kiwisaver scheme 100% kiwi owned and managed. Mustknows of kiwisaver fund finder powered by sorted. Why the amp kiwisaver scheme is a smart place for your savings. Amount that your kiwisaver account increased for the year to 31 march 2019. Anz kiwisaver scheme statement of investment policy and. How to choose a kiwisaver fund what to look for canstar.
Download a copy of the bnz kiwisaver scheme product disclosure statement pdf 871kb, or pick up a copy from your local bnz branch investments made in the bnz kiwisaver scheme do not represent deposits or other liabilities of bnz or any other member of the national. Like kiwibank, were ultimately owned by the nz super fund, acc and nz post, so our profits stay in new. Investment solutions kiwisaver fund updates nz funds. These different options have varying types of risk and possible returns suitable for different types of investors.
Anz new zealand investments limited anz kiwisaver scheme this product disclosure statement replaces the product disclosure statement dated 10 august 2018. You can choose between them by selecting our lifetimes option where your savings are moved. Our kiwisaver scheme invests with world class global managers so that members get professionally managed local and international investments. These investment options are summarised in the table on page 4. Find our live anz kiwisaver conservative balanced fund basic information. Learn about easy and secure ways to manage your money. For help enabling javascript, give us a call on 33 50 international callers. Follow the steps below to join the anz kiwisaver scheme in anz. This document gives you important information about this investment to help you decide whether you want to invest. Investment switch details you may invest in any one of the following investment options.
An investment statement is a document that is legally required by the securities act 1978 for most securities offered to the public. Asb kiwisaver scheme product disclosure statement and. For further information on any of the portfolios included on the nz funds website or to request a copy of the nz funds advised portfolio service product disclosure statement, the nz funds managed superannuation service product disclosure statement, the nz funds kiwisaver scheme product disclosure statement, or the nz funds wealthbuilder product. These include international and local equities shares, listed property, fixed interest bonds, and cash and cash equivalents.
Important information guardian trust superannuation trustees limited gtstl is the trustee and currently the issuer, onepath nz limited onepath is the scheme. Axa kiwisaver scheme portfolios up to two times a year free of charge. Anz new zealand investments limited is the issuer and manager of the anz kiwisaver scheme, the anz default kiwisaver scheme, the oneanswer kiwisaver scheme, the anz investment funds, the oneanswer multiassetclass funds and the oneanswer singleassetclass funds. While its great to save as much as you can, kiwisaver typically locks away your cash until youre 65. Along with your letter, youll also receive a guide to using kiwisaver to buy your first home, as well as an application form so you can take. Within anz internet banking some functions such as viewing an online statement or viewing a detailed bill, which involve a new window opening, will be blocked if you have javascript disabled. As at the date of this investment statement, no switching fees.
1083 899 125 515 635 539 871 65 1061 423 937 541 664 1391 927 383 367 138 536 426 13 1011 1193 262 826 902 1212 273 443 117 922 1079 1296 623 1152 180 886 401 1071 821 1426 953