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  1. #16
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    OK Head to head Superlife NZ Shares: Hellaby NZ Ryman Healthcare NZ
    Ebos NZ
    Skellerup Holdings NZ
    Auckland Int'l Airport NZ Mainfreight NZ Freightways NZ
    Fletcher Building NZ F&P Appliances NZ
    Sky Network TV NZ Westpac NZ Chorus Limited NZ
    ANZ Bank NZ Methven Limited NZ Pacific Edge NZ Sky City NZ Delegat's Group NZ
    F&P Healthcare NZ
    Abano Healthcare NZ Nuplex NZ
    Cavalier NZ
    Rakon NZ
    Oceana Gold NZ
    Cue Energy Resource Ltd
    Make NZ good and great, God defend NZ.

  2. #17
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    And Milford Growth EBOS (NZ) 4.9% Mainfreight (NZ) 1.4% Invocare (AUST) 1.0%
    Ryman Healthcare (NZ) 4.7% Cromwell Group (AUST) 1.4% Auckland Airport (NZ) 0.9%
    Diligent (NZ) 4.5% Tower (NZ) 1.3% Coca-Cola Amatil (AUST) 0.9%
    Delegatís (NZ) 2.9% APA Group (AUST) 1.3% Amcor (AUST) 0.9%
    Telecom (NZ) 2.9% Sky City (NZ) 1.3% Briscoes Group (NZ) 0.9%
    Turners Auctions (NZ) 2.4% Ecoya (NZ) 1.3% Xero (NZ) 0.9%
    Spark Infrastructure (AUST) 2.3% Ramsay Health Care (AUST) 1.3% Mirvac (AUST) 0.9%
    Chorus (NZ) 2.1% Fletcher Building (NZ) 1.2% Infratil (NZ) 0.8%
    Restaurant Brands (NZ) 1.9% Ecoya (NZ) 1.2%
    Trade Me Group (NZ) 1.7% Kauri Property Trust (NZ) 1.1% Various Other Holdings* 17.9%
    Telstra (AUST) 1.6% Tourism Holdings (NZ) 1.1% Bonds 7.1%
    Sky TV (NZ) 1.5% Oil Search (AUST) 1.1% Cash 19.4%
    Make NZ good and great, God defend NZ.

  3. #18
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    And I guess superlife Aust - though I see Milfords biggest holding is 20% CASH


    Coca-Cola Amatil Ltd 4.8%
    Monadelphous Group Ltd 4.7%
    AGL Energy AUST 4.7%
    Campbell Brothers AUST 4.6%
    Resmed INC AUST 4.6%
    Sonic Healthcare AUST 4.5%
    Woolworths AUST 4.5%
    BHP Billiton AUST 4.5%
    Wesfarmers AUST 4.4%
    ANZ AUST 4.4%
    Amcor AUST 4.3%
    Sydney Airport AUST 4.2%
    Ansell AUST 4.1%
    Westpac Banking AUST 4.0%
    QBE Insurance Group AUST 3.8%
    Silver Lake Resources AUST 3.8%
    Suncorp AUST 3.6%
    Fortescue Metals AUST 3.4%
    Brambles AUST 3.4%

  4. #19
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    Over 3 yrs Superlife NZ shares 3yrs 11.1% Aust shares 4.2% Milford Growth 10%

    Fees Superlife 1. The administration fee is a net $33 a year that is deducted at the rate of $2.75 a month.
    2. Percentage of asset fee
    The percentage of asset fee charged by SuperLife is 0.2% p.a. of assets. This is deducted off the investment return before the return is credited to your KiwiSaver Account.

    Investment management
    SuperLife implements the investment option decisions of its KiwiSaver members, by investing in the equivalent investment option under SuperLife’s superannuation scheme (“SLSS”). This is a separate registered superannuation scheme that is part of the SuperLife offering. The investment management fees are the fees under this scheme - no investment management fees are deducted from the SLKS.

    The current investment fees charged by the investment managers before the returns are paid to SuperLife's KiwiSaver scheme are:

    Pool
    Before-tax investment management fees (p.a.)

    Cash 0.30%
    NZ bonds

    0.33%
    Overseas govt. bonds 0.34%
    Overseas non-govt. bonds

    0.38%
    Property 0.40%
    NZ shares 0.40%
    Australian shares 0.40%
    Overseas shares (currency hedged) 0.36%
    Overseas shares (unhedged) 0.35%
    Milford Milford KiwiSaver Plan Fee Structure
    Milford Active Growth Fund

    Member Registry and Administration Fee
    $36 per annum

    Management Fee 1.05%
    This includes all Fund operating costs including; Trustee, custodial, accounting, unit pricing, audit and other expenses. Management Fees are rebated where the Active Growth Fund invests into the Milford Active Growth Unit Trust Fund.

    Performance Fee
    15% of the performance of the Active Growth Unit Trust Fund (after deducting the management fee) above the target return of 10.0% per annum is potentially payable to Milford.

  5. #20
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    Milford is active and Superlife passive although you can switch as often as you like between many classes so you could be active.

    I am with Superlife but could be tempted to leave it to Mr Gaynors team - if I was to be more hands off.

  6. #21
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    But on fees every year you pay 0.6% to superlife or 1.1% to Milford of your total funds

  7. #22
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    Quote Originally Posted by p2r View Post
    But on fees every year you pay 0.6% to superlife or 1.1% to Milford of your total funds
    Dont forget that Milford also takes a performance fee. Good incentive for them to do well but not well targeted in my opinion. A rising tide lifts all boats so a even if they perform well just because the NZX performs well, then they get the performance fee. Ideally it should be payable only if the fund performs over and above the index.
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  8. #23
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    I have put my 4yr old and 7yr old into a westpac kiwisaver. I did have to open an account for them and make one deposit a year but at least they have no fees. They were briefly with fisher but i could see the fees would erode the intial capital especially since im not contributing at the moment for them.

  9. #24
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    Quote Originally Posted by ScrappyO View Post
    I have put my 4yr old and 7yr old into a westpac kiwisaver. I did have to open an account for them and make one deposit a year but at least they have no fees. They were briefly with fisher but i could see the fees would erode the intial capital especially since im not contributing at the moment for them.
    I have considered to this for my baby but have decided against it at this stage. The benefit is the $1000 kick start but my view was this would be errored by inflation and fees by the time they are 18 (ie. when they start contributing) that the beneift is minimal and may have implications - ie. once in, you may not be able to elect out so he might have to do kiwisaver on his paper round.
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  10. #25
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    I am with Superlife but am starting to wonder about their investment decisions.

    They have taken part in two placements (exclusive) recently at market value - Energy Mad and Wellington Drive. Considering both are basket cases, you would expect them to get the placement at a discount!

    Any thoughts on this. Maybe I should have chosen Milford who was my second pick but I liked the flexibility to choose investment options at Superlife.
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  11. #26
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    Quote Originally Posted by CJ View Post
    I am with Superlife but am starting to wonder about their investment decisions.

    They have taken part in two placements (exclusive) recently at market value - Energy Mad and Wellington Drive. Considering both are basket cases, you would expect them to get the placement at a discount!

    Any thoughts on this. Maybe I should have chosen Milford who was my second pick but I liked the flexibility to choose investment options at Superlife.
    I totally agree. Are they are mad investing in MAD and WDT? Still, Milford recently invested in MOA!!!

    I like Piefunds aussie portfolio of small caps. Have owned many of the stocks on his list in the past. However, expect it to take an exaggerated hit on a market correction.

  12. #27
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    Noodle - Pie funds don't do Kiwisaver. I wish there was a DIY option for Kiwisaver like the Ozzies have
    Just goes to show the lack of good investments in NZ for the flood of Kiwisaver funds
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  13. #28
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    Quote Originally Posted by CJ View Post
    Noodle - Pie funds don't do Kiwisaver. I wish there was a DIY option for Kiwisaver like the Ozzies have
    Just goes to show the lack of good investments in NZ for the flood of Kiwisaver funds
    Totally agree about the self-managed funds. Perhaps if kiwisaver becomes compulsory, this might be an option. I don't like other people managing my money. Not even Brian Gaynor

    DISC: Not in Kiwisaver

  14. #29
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    Actually, I think Craigs might do a hybrid self managed kiwisaver.
    http://www.craigsip.com/Services/Kiw...RT-Select.aspx

  15. #30
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    Quote Originally Posted by noodles View Post
    Actually, I think Craigs might do a hybrid self managed kiwisaver.
    http://www.craigsip.com/Services/Kiw...RT-Select.aspx
    I did look at that but I decided not to at this point because of high fees.

    Annual fee Management fee Brokerage
    Craigs: $60 1.25% 1.25% buy and sell
    Superlife $33 0.3 - 0.77%* 0% to switch funds

    *NZ shares is 0.4% by way of comparison.

    As my fund gets bigger I might consider it but at this stage, the average fees per year would be quite high, and there would be a lot of buying small parcels (think about how much you would contribute each month - do you choose a share monthly or just wait till you get a reasonable amount ($5k+) which may take awhile at minimum contributions, even with an above average salary?).

    NOte: From memory, in Australia even the providers dont recommend a self mananged super scheme unless your fund is over $100k due to costs, though you can throw all sorts of things in like your home and get a tax benefit.
    Last edited by CJ; 19-12-2012 at 01:32 PM. Reason: Edit: I tried to format the fees as a table but it appears as if that didn't work.
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