sharetrader
Page 7 of 12 FirstFirst ... 34567891011 ... LastLast
Results 61 to 70 of 111
  1. #61

  2. #62
    Member
    Join Date
    May 2012
    Location
    Hamilton
    Posts
    52

    Default

    Another Kiwisaver comparison using 'value of money' assessment considering both fees and investment return (rather than sole focus on fees) http://www.superratings.com.au/kiwisaver

    Superlife (my provider) only made Silver (bottom 50%) so I may have to investigate other options

  3. #63
    Advanced Member
    Join Date
    Oct 2001
    Location
    chch, , New Zealand.
    Posts
    2,494

    Default

    Quote Originally Posted by Baaarney View Post
    Another Kiwisaver comparison using 'value of money' assessment considering both fees and investment return (rather than sole focus on fees) http://www.superratings.com.au/kiwisaver

    Superlife (my provider) only made Silver (bottom 50%) so I may have to investigate other options
    May not continue to underperform though. You might risk jumping out to one that has just had its good spell, and miss the upturn in Superlife.
    Tbh most seem pretty lazy, they just stick all the cash into the vanguard ETFs

  4. #64
    Member FarmerGeorge's Avatar
    Join Date
    Jan 2007
    Location
    New Zealand
    Posts
    281

    Default

    Quote Originally Posted by smpl View Post
    I think any provider offering international equities exposure at low cost is on the right track. The website is fresh and I hope they do well.

    From their Product Disclosure Statement:



    This is the only thing missing however. Save yourselves money and offer clients the higher reward/higher risk option of no hedging - unhedged portfolios will outperform any of the other current Kiwisaver portfolios long term.



    You're already superior to Smartshares with your international equities/low cost offering. Now you could beat KiwiWealth/Gareth Morgan (who benchmark 50% hedged/50% unhedged of their 85% international equity exposure) by offering 0% hedged.

    Even better would be a service that let the client choose level of hedging...

    Nothing to add to the KS debate - but the comment above about unhedged global portfolios outperforming is incorrect on an historic basis. Over any meaningful timeframe hedged has outperformed unhedged, for NZ investors. This can be verified very easily by comparing global providers where those providers offer the same underlying product on a hedged and unhedged basis. No comment on future returns but the historic data is there for anyone to see.
    Felix, qui potest rerum cognoscere causas

  5. #65
    Senior Member
    Join Date
    Dec 2014
    Posts
    581

    Default

    Quote Originally Posted by FarmerGeorge View Post
    Nothing to add to the KS debate - but the comment above about unhedged global portfolios outperforming is incorrect on an historic basis. Over any meaningful timeframe hedged has outperformed unhedged, for NZ investors. This can be verified very easily by comparing global providers where those providers offer the same underlying product on a hedged and unhedged basis. No comment on future returns but the historic data is there for anyone to see.
    You don't mention it, but the reason for this historic outperformance is caused by the higher short term interest rates in NZ capital markets when compared to overseas markets - this is known as the hedge premium or carry.

    In order to gain from this trend the trade off is exposure to increased short term volatility caused by the positive correlation with NZD and equity markets.

    I talked to a couple of KiwiSaver providers and most took a high conviction view that the short term downside risk was worth the hedge premium over the longer term.

  6. #66
    Member
    Join Date
    Aug 2009
    Posts
    417

    Default

    I have transferred my kiwisaver to Simplicity - very low fees and index tracking attracted me. I am in the process of transferring my wife's kiwisaver as well. They now have 4500 members and 115 million under management (approximately $25,500/member) which is not bad for a new small kiwisaver provider.

  7. #67
    Legend peat's Avatar
    Join Date
    Aug 2004
    Location
    Whanganui, New Zealand.
    Posts
    6,435

    Default

    I'm with Aon Russell Lifepoints, but not set exactly to my age but as if I was ten years younger so that it stays growth oriented a bit longer.
    As per the latest morningstar report they consistently perform. Fees are slightly high yes.... oh well never mind.
    Last edited by peat; 25-04-2017 at 08:32 PM.
    For clarity, nothing I say is advice....

  8. #68
    Guru
    Join Date
    Nov 2013
    Posts
    3,025

    Default

    Quote Originally Posted by RRR View Post
    I have transferred my kiwisaver to Simplicity - very low fees and index tracking attracted me. I am in the process of transferring my wife's kiwisaver as well. They now have 4500 members and 115 million under management (approximately $25,500/member) which is not bad for a new small kiwisaver provider.
    I have just moved mine acrross to. Will give them a year, then compare to the wifes, then chat with her about moving hers.

  9. #69
    Member
    Join Date
    Jan 2013
    Location
    Wellington
    Posts
    223

    Default

    Quote Originally Posted by Harvey Specter View Post
    I have just moved mine acrross to. Will give them a year, then compare to the wifes, then chat with her about moving hers.
    Same here. I've moved to Simplicity from Milford - I will be interested in how the results (AFTER fees) compare. I might also move the children from ASB but it is a bit more hassle for minors and I'm not sure I won't everyone's KS in the same boat.

  10. #70
    Advanced Member
    Join Date
    May 2000
    Location
    , , .
    Posts
    1,866

    Default

    Got my latest Tax Certificate from Super Life with which I have my Kiwisaver Growth Fund. Total fees paid p.a. are $427.50. Seems reasonable but how does it compare to some of yours?

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •