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  1. #11
    IMO
    Join Date
    Aug 2010
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    Floating Anchor Shoals
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    9,696

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    Many thanks folks for your sharings.A wealth of Health to all.

  2. #12
    Member
    Join Date
    Jun 2011
    Location
    Wellington
    Posts
    106

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    Quote Originally Posted by fungus pudding View Post
    I'm well set up, but if I were younger, I' d stay well clear of Morgan.
    care to elaborate?

  3. #13
    Guru
    Join Date
    Feb 2005
    Location
    Auckland
    Posts
    3,115

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    Quote Originally Posted by smpl View Post
    care to elaborate?
    I understand that the returns from Gareth Morgan have been less than stella, despite his constant criticism of his competitors.

    However, it sounds like Fungus Pudding has such a small amount in Kiwisaver that it is not worth changing, given his proximity to retirement (access to the funds and in particular, all the government contributions) and the fact that if he moves elsewhere for such a short time, they may perform just as badly (better the devil you know ...).
    Free delivery worldwide with Book Depository http://www.bookdepository.co.uk

  4. #14
    Legend
    Join Date
    Apr 2008
    Location
    Sth Island. New Zealand.
    Posts
    6,428

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    Quote Originally Posted by smpl View Post
    care to elaborate?
    I'm not suggesting others should avoid him, but the more I listen to him, the less I like him. Just a persoanal thing. He hasn't done that well with his funds, and now sold out to Kiwibank but staying on as manager, or some such arrangement.

  5. #15
    Legend
    Join Date
    Apr 2008
    Location
    Sth Island. New Zealand.
    Posts
    6,428

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    Quote Originally Posted by CJ View Post
    I understand that the returns from Gareth Morgan have been less than stella, despite his constant criticism of his competitors.

    However, it sounds like Fungus Pudding has such a small amount in Kiwisaver that it is not worth changing, given his proximity to retirement (access to the funds and in particular, all the government contributions) and the fact that if he moves elsewhere for such a short time, they may perform just as badly (better the devil you know ...).
    That's about it. I retired many years asgo, but joined in for the tax credit till I'm 65, but paid the minimum $100 per month, so nothing to get excited about.

  6. #16
    Member
    Join Date
    Mar 2006
    Location
    , , New Zealand.
    Posts
    144

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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.

  7. #17
    Member
    Join Date
    Mar 2006
    Location
    , , New Zealand.
    Posts
    144

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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%
    Delegat’s (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.

  8. #18
    Member
    Join Date
    Mar 2006
    Location
    , , New Zealand.
    Posts
    144

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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%

  9. #19
    Member
    Join Date
    Mar 2006
    Location
    , , New Zealand.
    Posts
    144

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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.

  10. #20
    Member
    Join Date
    Mar 2006
    Location
    , , New Zealand.
    Posts
    144

    Default

    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.

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