What are the funds?The main asset classes include:
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Each fund has a maximum feeEach fund has an annual fund charge that is the total fee for your investment. This fee is a percentage of the net asset value of your fund and is deducted from it. You will not pay more than this fee. You will not pay more than the annual fund charge. For more information on fees, see the guide and product disclosure statement. Investing involves risksInvesting in the funds will involve taking some risk. Your investment might not do as well as expected and you may not receive back the full amount you invested. We recommend that you talk to your financial adviser about the investment options available to you. |
You can make regular paymentsYou can make regular fortnightly, monthly or quarterly payments straight from your bank account. You can make lump sum paymentsIf you do not want to make regular payments, you can make an initial lump sum payment you first join a fund. You can also make additional lump sum payments at any time, whether or not you have a regular payment set up, by any of the following methods. Internet banking or phone banking Select ‘OneAnswer SAC Funds’ from the Bill Payee list,or make your payment to: OA Single-Asset-Class Application Account ANZ 01-0102-0706418-00 If you are invested in more than one fund, we will use the same percentage amount per fund that you chose for your last payment. If you do not want us to allocate your payment in this way, please complete and send us the transaction form at the back of the product disclosure statement. We must receive this form before we receive your payment. Otherwise your payment will be allocated to your fund(s) in the same perecentage as your last payment. ANZ Internet Banking Log into ANZ Internet Banking to transfer funds from any of your ANZ transactional accounts directly to your OneAnswer Single-Asset-Class Funds account. If you’re an ANZ customer and you have not registered for ANZ Internet Banking, visit anz.co.nz and click ‘Register’. If you’re not an ANZ banking customer visit your nearest ANZ branch to get set up with ANZ Internet Banking. You will need to provide proof of identity. Please go to anz.co.nz/id for the full list of acceptable identity documents. Cheque Make your cheque out to ‘OA Single-Asset-Class Application Account’ and send it to us along with the completed transaction form at the back of the guide and product disclosure statement. Important
For any mail you send us, our address is: ANZ InvestmentsFreepost 324 PO Box 7149 Wellesley Street Auckland 1141. Or, you can do bothThe funds are flexible enough that you can make contributions on a regular basis as well as adding a lump sum investment. For more information about payment options and how to make payments, see the product disclosure statement. You can withdraw at any timeYou can request to withdraw money from your investment as a one-off or regular withdrawal to supplement your income or support your lifestyle. We usually process your requests and make payment to your bank account within five business days of receiving your request. If your balance reaches $0 we will close your account. Unless you are making a full withdrawal, the minimum amount you can withdraw is:
If you would like to make a withdrawal, please contact your financial adviser or complete and return a Withdrawal Form to us:
For more information, including minimum withdrawal amounts, see the product disclosure statement. |
You can view your investment in ANZ Internet Banking and ANZ goMoney. This will give you up-to-date information, including your investment balance, transactions and investment performance.
How to register for ANZ Internet Banking
If you’re an ANZ banking customer, you can register online at anz.co.nz. Click on ‘Register’ and complete the online form.
If you’re not an ANZ banking customer, you can be set up in your nearest ANZ branch. You will need to provide proof of identity, please go to anz.co.nz/id for the full list of acceptable identity documents.
How to register for the ANZ goMoney app
Once your registered for ANZ internet banking, you can download the app from either the App Store (Apple) or Google Play (Android). Find out more about ANZ goMoney.
ANZ Investments reappointed manager of MFL Mutual FundThe Trustee of MFL Mutual Fund (MFL) has reappointed ANZ New Zealand Investments Limited (ANZ Investments) as investment, administration and marketing manager (Manager) of MFL for a new term. ANZ Investments has been the Manager of MFL since 1994 and we are delighted to continue that association and commitment to helping members achieve a financially secure retirement. As a member, you will have recently received a letter outlining what the new management agreement means for you. More information is in the Question and Answer sheet. The Trustee has also decided to close MFL to new members on 16 September 2016 and focus solely on meeting the needs of existing members. Note that existing members will continue to be able to make contributions. New members are still welcome to join before 16 September and to take advantage of the range of benefits available to members of MFL. Please talk to your authorised financial adviser or contact us at service@anzinvestments.co.nz or 0800 736 034 if you have any further questions. |
Welcome to the MFL Mutual Fund, an investment choice that helps you to save for you retirement.
The information on this website, together with the MFL Mutual Fund (MFL) investment statement explains key facts about MFL. Before investing, we recommend you seek personalised financial advice from an authorised financial adviser.
About MFLMFL is a registered superannuation scheme that was established in 1969 as a convenient way to invest in Property Assets. Property Assets are generally defined as shares or units in listed trusts or companies that own or invest directly in commercial property, buildings or land (including ports, airports, toll roads, utility networks and retirement villages). As property is one of the major asset classes, a well-diversified investment portfolio should include an allocation to Property Assets. MFL can provide that property allocation. Investing in MFL helps free you from the time, effort and administration usually associated with investing on your own. MFL’s objective is to generate competitive returns that will increase the investment value and keep it ahead of inflation over the medium to long term. MFL is appropriate for investors seeking exposure to Property Assets. How does MFL invest?When MFL invests in Property Assets in Australia or New Zealand, it invests directly by buying shares or units of the listed asset. However, when MFL invests in Property Assets in countries other than Australia or New Zealand, it does so by buying units in underlying funds that then invest in Property Assets. For cash and fixed interest assets, MFL invests by buying units in underlying funds that then invest in cash and fixed interest assets. |
Key features of MFLAn investment in MFL helps you save for your retirement. MFL also offers you the flexibility to:
For more information see How much do I pay? under More information above. Generally, your investment is locked in until you reach age 60 when your options are to:
In limited circumstances you may be able to withdraw your investment before you reach age 60. For more information see When can you withdraw your savings? under More information above. Any questions?If you still have questions about MFL after reading the investment statement, contact your authorised financial adviser or contact us at:
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Fund updates provide information about the relevant fund, how it has performed and what fees it charged. They also list the types of assets the fund invested in, information about asset and portfolio holdings and key personnel who were involved in making investment decisions for the funds. The first fund updates for the OneAnswer KiwiSaver Scheme will be published on this page in February 2017. |
Use this form to request payment of your investment proceeds to an overseas bank account in your name.
ANZ Investments reappointed manager of SIL Mutual SchemeThe Trustee of SIL Mutual Scheme (SIL) has reappointed ANZ New Zealand Investments Limited (ANZ Investments) as investment, administration and marketing manager (Manager) of SIL for a new term. ANZ Investments has been the Manager of SIL since 1989 and we are delighted to continue that association and commitment to helping members achieve a financially secure retirement. As a member, you will have recently received a letter outlining what the new management agreement means for you. More information is in the Question and Answer sheet. The Trustee has also decided to close SIL to new members on 16 September 2016 and focus solely on meeting the needs of existing members. Note that existing members will continue to be able to make contributions. New members are still welcome to join before 16 September and to take advantage of the range of benefits available to members of SIL. Please talk to your authorised financial adviser or contact us at service@anzinvestments.co.nz or 0800 736 034 if you have any further questions. |
Welcome to the SIL Mutual Scheme, an investment choice that helps you to save for your retirement.
The information on this website, together with the SIL Mutual Scheme investment statement explains the key facts about the SIL Mutual Scheme. Before investing, we recommend you seek personalised financial advice from an authorised financial adviser.
About the SIL Mutual SchemeThe SIL Mutual Scheme is part of the SIL Mutual Fund (SIL). SIL is a superannuation trust that was established in 1959. SIL offers two schemes to investors, the SIL Mutual Fund Personal Lump Sum Scheme (SIL Mutual Scheme) and the SIL Mutual Fund Employer Lump Sum Scheme (SIL Employer Scheme). The information on this page is about the SIL Mutual Scheme. SIL Mutual Scheme offers you the opportunity to invest into five funds (the Funds). The Funds include one multi-asset-class Fund, and four single-asset-class Funds. See Our funds above for more information. Key features of the SIL Mutual SchemeAn investment in the SIL Mutual Scheme helps you to save for your retirement. The SIL Mutual Scheme also offers you the flexibility to:
There are minimum contribution amounts and restrictions on when you can suspend your contributions. For more information about the minimum contribution amounts and restrictions see the investment statement. Generally, your investment cannot be withdrawn until you reach age 60. At this time your options are to:
In some circumstances, you may be able to withdraw your investment before reaching age 60. For more information see When can you withdraw your savings under More information above. |
How much do you pay?You can make either:
Your authorised financial adviser may charge you an entry fee on any contributions to the SIL Mutual Scheme. The entry fee will be deducted from your contribution and paid to your authorised financial adviser. Talk to your authorised financial adviser for more information on entry fees and whether they are applicable to you. Lump sum contributionsYou can make additional lump sum contributions to the SIL Mutual Scheme at any time by completing the Additional Lump Sum Contribution Form. Lump sum contributions can be for any amount and can be paid by cheque or direct credit. Regular contributionsYou can also make regular contributions. Regular contributions can be for any amount and can be made weekly, fortnightly, monthly, quarterly, or annually. Any questions?If you still have questions about the SIL Mutual Scheme after reading the investment statement, contact your authorised financial adviser or contact us through:
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What are the funds?We offer five diversified investment funds. Each fund has a different asset class mix. This means each fund has a different level of risk and expected return. What are the main benefits?Your investment:
See the guide and product disclosure statement for more information on the main benefits. |
Each fund has a maximum feeThe annual fund charge is the total fee for your investment. The annual fund charge is a percentage of the net asset value of each fund, and is deducted from it. You will not pay more than the annual fund charge. The annual fund charge ranges from 1.21% to 1.41% of the net asset value of a fund, depending on the fund you choose. For more information on fees, see the guide and product disclosure statement. Investing involves risksInvesting in the funds will involve taking some risk. Your investment might not do as well as expected and you may not receive back the full amount you invested. We recommend that you talk to your financial adviser about the investment options available to you. |
You can make regular paymentsYou can make regular fortnightly, monthly or quarterly payments straight from your bank account. You can make lump sum paymentsIf you do not want to make regular payments, you can make an initial lump sum payment when you first join a fund. You can also make additional lump sum payments at any time, whether or not you have a regular payment set up, by any of the following methods. Internet banking or phone banking Select ‘OneAnswer MAC Funds’ from the Bill Payee list, or make your payment to: OA Multi-Asset-Class Application Account ANZ 01-1839-0154747-00 If you are invested in more than one fund, we will use the same percentage amount per fund that you chose for your last payment. If you do not want us to allocate your payment in this way, please complete and send us the transaction form at the back of the product disclosure statement. We must receive this form before we receive your payment. Otherwise your payment will be allocated to your fund(s) in the same percentage as your last payment. ANZ Internet Banking Log into ANZ Internet Banking to transfer funds from any of your ANZ transactional accounts directly to your OneAnswer Multi-Asset-Class Funds account. If you’re an ANZ customer and you have not registered for ANZ Internet Banking, visit anz.co.nz and click ‘Register’. If you’re not an ANZ banking customer visit your nearest ANZ branch to get set up with ANZ Internet Banking. You will need to provide proof of identity. Please go to anz.co.nz/id for the full list of acceptable identity documents. Cheque Make your cheque out to ‘OA Multi-Asset-Class Application Account’ and send it to us along with the completed transaction form at the back of the product disclosure statement.
Important
For any mail you send us, our address is: ANZ InvestmentsFreepost 324 PO Box 7149 Wellesley Street Auckland 1141. Or, you can do bothThe funds are flexible enough that you can make contributions on a regular basis, as well as adding a lump sum investment. For more information about payment options and how to make payments, see the guide and product disclosure statement. You can withdraw at any timeYou can request to withdraw money from your investment as a one-off or regular withdrawal to supplement your income or support your lifestyle. We usually process your requests and make payment to your bank account within five business days of receiving your request. If your balance reaches $0 we will close your account Unless you are making a full withdrawal, the minimum amount you can withdraw is:
If you would like to make a withdrawal, please contact your financial adviser or complete and return a Withdrawal Form to us:
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You can view your investment in ANZ Internet Banking and ANZ goMoney. This will give you up-to-date information, including your investment balance, transactions and investment performance.
How to register for ANZ Internet Banking
If you’re an ANZ banking customer, you can register online at anz.co.nz. Click on ‘Register’ and complete the online form.
If you’re not an ANZ banking customer, you can be set up in your nearest ANZ branch. You will need to provide proof of identity, please go to anz.co.nz/id for the full list of acceptable identity documents.
How to register for the ANZ goMoney app
Once your registered for ANZ internet banking, you can download the app from either the App Store (Apple) or Google Play (Android). Find out more about ANZ goMoney.
Welcome to the OneAnswer KiwiSaver Scheme
The information on this website, together with the OneAnswer KiwiSaver Scheme guide and product disclosure statement, explains the choices available to you.
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KiwiSaver is a long-term savings initiative designed to help you save for your retirement. Watch our video to find out what KiwiSaver is all about.
What do I contribute?The contributions you need to make to KiwiSaver depend on your personal situation. I'm employed / self-employed If you're employed you must contribute at least 3% of your before-tax pay each pay day. If you’re self-employed and PAYE is deducted from your income you must contribute at least 3% of your before-tax pay each pay day. You are also required to pay an employer contribution of 3% to your KiwiSaver account. If you’re self-employed and don’t deduct PAYE from your income you can contribute any time and for any amount. For more information see your contributions. I have an existing superannuation scheme If you’re already in another superannuation scheme, it’s important you talk to your employer before joining KiwiSaver. Joining KiwiSaver may affect the contributions you and your employer make to your existing superannuation scheme. You can contribute any time and for any amount. See voluntary contributions for more information. What are the main benefits?KiwiSaver’s main benefits are that it helps you save for retirement and could help you buy your first home. As well as your savings, you may also receive:
How do we invest your KiwiSaver savings?Your KiwiSaver savings are invested in one or more of our 13 funds. Our funds invest in various asset classes with the aim of growing the savings in your KiwiSaver account over time. You can choose between our range of single-asset-class funds, our Lifetimes option and our range of multi-asset-class funds. Our single-asset-class funds are designed for you to invest in on the advice of your financial adviser. This investment suite is different to other KiwiSaver schemes we manage. See Our funds for more information. We invest your funds responsibly.We are committed to a responsible investing approach that aims to deliver sustainable performance in a sustainable way. As part of that we are also committed to being open and transparent about what we invest in. View a full list of our holdings here. |
When can you withdraw your KiwiSaver savings?You can withdraw savings from your KiwiSaver account when you’re 65 or older and you’ve been a member of KiwiSaver (or a complying superannuation fund) for at least five years. In limited circumstances, you may be able to withdraw some, or all, of your savings early. See accessing your savings in retirement for more information. What are the fees and costs?When it comes to fees, we have a straightforward approach. You pay fees in two ways – and these cover everything that’s involved in the management of your investment. Membership fee: This is a flat $2 a month (or $24 a year) and it helps to pay for the day-to-day administration of your KiwiSaver account. It’s deducted from your KiwiSaver account every month. Annual fund charge: This is a percentage amount based on the fund (or funds) you’ve chosen to invest in. Importantly it pays for the investment management of that fund – that is the skills and expertise of our investment team who carefully manage the money you have invested. It also pays for the supervision of our scheme by an independent third-party, and our regular communications to you. You can see both your annual fund charge and your membership fee on your account statement. For more information see our online statement guide or find out more about our fees and costs. What are the risks?Like any investment, KiwiSaver involves taking some risk. Your investment in the OneAnswer KiwiSaver Scheme might not do as well as expected and you may not receive back the full amount you contributed to your KiwiSaver account. The level of risk will vary depending on the fund your savings are invested in. You need to decide how these risks apply to your personal circumstances. Find out more about investment risks. Watch our video to find out more about the differences between savings accounts and KiwiSaver and managing your risk.
Are you prepared for market volatility?Investment market volatility is part of investing and does not have to be a cause for concern. Find out how you can be prepared for market volatility. What if you want to stop contributing?You can apply to stop contributions from your pay if you need to - but not until at least 12 months after your first KiwiSaver contribution is paid to Inland Revenue. This is called a contributions holiday. See your contributions for more information. What if you don’t want to stay in the OneAnswer KiwiSaver Scheme?You may have been automatically enrolled in the OneAnswer KiwiSaver Scheme because it’s your employer’s chosen scheme. If you were automatically enrolled and you decide KiwiSaver isn’t for you, you have between 14 - 56 days from, and including, the day you start your new job to opt out of the OneAnswer KiwiSaver Scheme. To opt out, you will need to send an Opt-out Request Form (KS10) to Inland Revenue or your employer. What if you're already in KiwiSaver?Please compare your current scheme and consider any benefits you currently receive before switching schemes. Before you join the OneAnswer KiwiSaver Scheme, we recommend you seek financial advice from a financial adviser. What if you're already a member of the OneAnswer KiwiSaver Scheme?If you’re a current OneAnswer KiwiSaver Scheme member, see the Make the most of KiwiSaver and Managing KiwiSaver sections to find out how to make your KiwiSaver account work for your retirement.
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Your investment is professionally managedOur highly experienced investment team has a strong record of investment performance based on a consistent and disciplined process for managing investments. Find out more about our investments team. We know and back our strengthsOur New Zealand-based investment team manages and adjusts the mix of asset classes that make up your investments. They also manage most of the Australasian assets within your investment. For international assets, we also use a small number of external fund managers who we believe are among the best in their class. See our guide and product disclosure statement for more information about our external fund managers. Your investment is actively managedWe monitor the attractiveness of each asset class, and adjust the allocation to each depending on how we believe they will perform. Your investment is diversifiedYou benefit from investing in multi-asset-class funds that spread their investments over hundreds of assets across local and international markets. Your investment will access a broad range of assets you might not be able to invest in yourself. See Our funds for more information about the assets our funds invest in. A complement to other savings and investmentsThe funds have different features that can be used to complement other types of savings or investments, such as KiwiSaver and term deposits. Your investment is more flexible than KiwiSaver and term deposits, as you can withdraw some or all of your investment at any time. |
We’re trusted by many New ZealandersWe’ve operated in New Zealand since 1989 and manage more than $25 billion on behalf of individuals, trusts, corporates, KiwiSaver schemes, superannuation schemes, government organisations and charities. We are New Zealand’s largest fund manager - more than 720,000 New Zealanders trust us to manage their investments. We have an impressive track recordThe funds are managed by ANZ Investments, ANZ's award winning fund manager. Our investment team and funds have been recognised by numerous awards and ratings from independent research houses. See our awards to view our full awards history, ratings and disclaimers. You can find helpful resources onlineOur website has valuable information and resources that can help you manage your investment. You’ll also find: View your investment onlineIf you bank with ANZ, you can use ANZ Internet Banking and/or ANZ goMoney to view your investment. You can:
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You have two options - regular and lump sum payments:
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You benefit from investing in diversified, multi-sector Funds, giving you access to a broad range of assets you might not be able to invest in yourself.
You also benefit from flexible investment and withdrawal options. You choose:
The Funds are also tax efficient, as each Fund is a Portfolio Investment Entity (PIE). This means the maximum tax is 28%. For more information, see Tax information.
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Fund updates provide information about the relevant fund, how it has performed and what fees it charged. They also list the types of assets the fund invested in, information about asset and portfolio holdings and key personnel who were involved in making investment decisions for the funds. The first fund updates for the OneAnswer Multi-Asset-Class Funds will be published on this page in February 2017. |
How to make contributionsYou can make contributions by:
Information you need to include with any lump sum contributionIf you make lump sum contributions by cheque or direct credit, please include the following information to help ANZ Investments process your payment:
If you don’t provide ANZ Investments with the correct details, ANZ Investments will be unable to credit your account with the amount you pay. When can you withdraw your savings?You can withdraw your savings in the SIL Mutual Scheme when you reach your retirement age. Your retirement age will be the age of 60, unless you are a female member who joined the SIL Mutual Scheme before 1976, in which case you will have a retirement age of 55. You don’t have to withdraw all your savings at once. You can leave some or all of your savings in your investment and continue to benefit from investment performance. You can also continue contributing to your account. You may wish to set up a regular withdrawal. You can arrange for a regular amount to be paid from your account each fortnight, month or quarter. The choice is yours. The options available to you when you reach 60 are:
You can find more information about how to make a withdrawal in the investment statement. |
What are the risks?Like any investment, an investment in the SIL Mutual Scheme involves taking some risk. The level and type of risk will vary depending on the Fund your savings are invested in, as each Fund is exposed to different levels and types of risk. You need to decide how these risks apply to your personal circumstances. In very general terms:
For the SIL Mutual Scheme, the most significant risks will usually fall into the following broad categories:
We recommend that you talk to an authorised financial adviser about the risks involved or refer to the “What are my risks” section in the SIL Mutual Scheme investment statement. How to invest?We recommend you contact your authorised financial adviser if you wish to invest in the SIL Mutual Scheme. |
You’re in controlYou, with your financial adviser, decide which fund or funds to invest in, and how much to invest in each fund. Choose from one or more of our eight single-asset-class funds. Our funds can be:
You can personalise your investment portfolioYou can:
Your investment is professionally managedThe funds are professionally managed by our highly experienced investment management team. For some international assets we also use a small number of carefully chosen professional external fund managers. They follow a consistent and disciplined process for managing investments, which we actively monitor. We use active managementAll our funds are actively managed. Through active management we look to add value to your investment both from varying the investment mix and/or from investment selection. Find out more about us, and our investment team. For more information on the external fund managers we use see the guide Build a diversified portfolioEach single-asset-class fund accesses a range of investments within its stated asset class. It is up to you and your adviser to decide how you combine each fund to ensure diversification across asset classes. |
We’re trusted by many New ZealandersWe’ve operated in New Zealand since 1989 and manage more than $20 billion on behalf of individuals, trusts, corporates, KiwiSaver schemes, superannuation schemes, government organisations and charities. We are New Zealand’s largest fund manager - more than 720,000 New Zealanders trust us to manage their investments. We have an impressive track recordThe funds are managed by ANZ Investments, ANZ’s award-winning fund manager. Our investment team and funds have been recognised by numerous awards and ratings from independent research houses. Find out more about our current and past awards. You can find helpful resources onlineOur website has valuable information and resources that can help you manage your investment. You’ll also find the latest: View your investment onlineIf you bank with ANZ, you can use ANZ Internet Banking and/or ANZ goMoney to view your investment. You can:
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We've prepared a disclosure statement for each fund in the OneAnswer KiwiSaver Scheme under the KiwiSaver (Periodic Disclosure) Regulations 2013.
The regulations are intended to provide access to information and promote transparency and comparability of KiwiSaver schemes. They provide information about the relevant fund, how it has performed and what fees it charged. They also list the types of assets the fund invested in, information about asset and portfolio holdings and key personnel who were involved in making investment decisions for the funds.
For more information about periodic disclosure, please see the periodic disclosure explained tab above. For an example of a quarterly disclosure statement with some helpful tips, see our quarterly disclosure statement guide.
You can find the Trade Allocation, Trade Execution, and Proxy Voting Practices that are applied to the OneAnswer KiwiSaver Scheme here.
The single-asset-class funds invest into underlying funds that we manage. Each underlying fund focuses its investments on a specific asset class. We believe this management structure benefits you because it creates efficiencies and we have greater control of the overall cost to you.
Our multi-asset-class Balanced Fund invests most of its assets into our underlying funds. The Balanced Fund spreads its investment over hundreds of assets in local and international markets. Our investment team monitor and adjust the asset class allocation, depending on how they believe each will perform.
You, with your financial adviser, decide which fund or funds to invest in, and how much to invest in each fund.
We are committed to a responsible investing approach that aims to deliver sustainable performance in a sustainable way. As part of that we are also committed to being open and transparent about what we invest in.
View a full list of our holdings here.
The New Zealand Fixed Interest Fund invests mainly in New Zealand fixed interest assets. Investments may include:
| Asset class | Sub-class | Target (%) | Ranges (%) |
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Fixed interest |
New Zealand |
100 |
85-100 |
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Cash and cash equivalents |
New Zealand |
0 |
0-15 |
You can find up-to-date information about the fund in our monthly fund fact sheet.
| Fund | Annual fund charge (percentage of net assets) |
|---|---|
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New Zealand Fixed Interest |
0.74% |
The International Fixed Interest Fund invests mainly in international fixed interest assets. Investments mayinclude:
| Asset class | Sub-class | Target (%) | Ranges (%) |
|---|---|---|---|
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Fixed interest |
International |
100 |
90-100 |
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Cash and cash equivalents |
New Zealand International |
0 |
0-10 |
You can find up-to-date information about the fund in our monthly fund fact sheet.
| Fund | Annual fund charge (percentage of net assets) |
|---|---|
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International Fixed Interest |
0.94% |
The Property Securities Fund invests mainly in New Zealand and Australian listed property assets. Investments may include:
| Asset class | Sub-class | Target (%) | Ranges (%) |
|---|---|---|---|
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Listed property assets |
Australasian |
100 |
85-100 |
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Equities |
Australasian | 0 | 0-100 |
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Cash and cash equivalents |
Australasian |
0 |
0-15 |
You can find up-to-date information in our monthly fund fact sheet.
| Fund | Annual fund charge (percentage of net assets) |
|---|---|
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Property Securities Fund |
1.19% |
The International Property Fund invests mainly in international listed property assets. Investments may include:
| Asset class | Sub-class | Target (%) | Ranges (%) |
|---|---|---|---|
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Listed property |
International |
100 |
0 -100 |
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Equities |
International | 0 | 0-100 |
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Cash and cash equivalents |
New Zealand International |
0 |
0-10 |
You can find up-to-date information about the fund in our monthly fund fact sheet.
| Fund | Annual fund charge (percentage of net assets) |
|---|---|
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International Property Fund |
1.34% |
The New Zealand Share Fund invests mainly in New Zealand equities. Investments may include:
| Asset class | Sub-class | Target (%) | Ranges (%) |
|---|---|---|---|
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Equities |
New Zealand |
100 |
90-100 |
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Cash and cash equivalents |
New Zealand |
0 |
0-10 |
You can find up-to-date information in our monthly fund fact sheet.
| Fund | Annual fund charge (percentage of net assets) |
|---|---|
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New Zealand Share Fund |
1.19% |
Fund descriptionThe Equity Selection Fund invests mainly in New Zealand and Australasian equities. Investments may include:
Target investment mix and ranges
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You can find up-to-date information in our monthly fund fact sheet.
| Fund | Annual fund charge (percentage of net assets) |
|---|---|
|
Equity Selection Fund |
1.29% |
Fund descriptionThe Australian Share Fund invests mainly in Australian equities. Investments may include:
Target investment mix and ranges
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You can find up-to-date information in our monthly fund fact sheet.
| Fund | Annual fund charge (percentage of net assets) |
|---|---|
|
Australian Share Fund |
1.29% |
The International Share Fund invests mainly in international equities. Investments may include:
| Asset class | Sub-class | Target (%) | Ranges (%) |
|---|---|---|---|
|
Equities |
International |
100 |
90-100 |
|
Cash and cash equivalents |
New Zealand International |
0 |
0-10 |
You can find up-to-date information in our monthly fund fact sheet.
| Fund | Annual fund charge (percentage of net assets) |
|---|---|
|
International Share Fund |
1.29% |
The Balanced Fund invests mainly in growth assets (equities and listed property), with some exposure to income assets (cash and cash equivalents and fixed interest). The fund also has a small exposure to alternative assets.
| Asset class | Sub-class | Target (%) | Ranges (%) |
|---|---|---|---|
|
Cash and cash equivalents |
New Zealand International |
6 |
0-26 |
|
Fixed interest |
New Zealand |
9 |
0-24 |
|
International |
20 | 5-35 | |
|
Sub-total (cash and cash equivalents & fixed interest) |
35 | 20-50 | |
|
Listed property |
Australasian | 5 | 0-20 |
|
|
International | 5 | 0-20 |
|
Equities |
Australasian | 16 | 1-31 |
|
International |
39 | 24-54 | |
|
Other |
Alternatives | 0 | 0-15 |
|
Sub-total (listed property, equities & other) |
65 | 50-80 |
You can find up-to-date information about the fund in our monthly fund fact sheet.
| Fund | Annual fund charge (percentage of net assets) |
|---|---|
|
Balanced |
1.30% |
|
We offer a range of funds that invest in a different mix of growth assets and income assets. Depending on the mix of assets, each fund has a different risk/return profile. If you’re seeking:
We are committed to a responsible investing approach that aims to deliver sustainable performance in a sustainable way. As part of that we are also committed to being open and transparent about what we invest in. View a full list of our holdings here. Conservative FundInvests mainly in income assets (cash and cash equivalents and fixed interest), with a smaller exposure to growth assets (equities and listed property).
Conservative Balanced FundInvests mainly in income assets (cash and cash equivalents and fixed interest), with some exposure to growth assets (equities and listed property).
Balanced FundInvests in similar amounts of income assets (cash and cash equivalents and fixed interest) and growth assets (equities and listed property).
|
Balanced Growth FundInvests mainly in growth assets (equities and listed property), with some exposure to income assets (cash and cash equivalents and fixed interest).
|
|
Fund updates provide information about the relevant fund, how it has performed and what fees it charged. They also list the types of assets the fund invested in, information about asset and portfolio holdings and key personnel who were involved in making investment decisions for the funds. The first fund updates for the OneAnswer Single-Asset-Class Funds will be published on this page in February 2017. |
The table below includes the investment objective, benchmark asset class mix and permitted range for each Fund.
The benchmark asset class mix is used as a starting point for how much a Fund invests in each asset class. The actual asset class mix will vary from the benchmark asset class mix. ANZ Investments might vary the asset class mix to manage risk, increase potential investment performance, or manage cash flow. The ‘ranges’ state how far from the benchmark asset class mix the actual asset class mix can be. The Funds gain exposure to the asset classes by investing in underlying funds. Because the underlying funds also hold assets, the Funds may, in certain circumstances, have cash assets that exceed these ranges.
You can find more information about the underlying funds that the SIL Mutual Scheme invests in, in the investment statement. Check out historical unit prices, current unit prices, fund performance, benchmark ranges and actual asset class mixes for the Funds.
| Fund | Asset Class | Benchmark | Ranges |
|---|---|---|---|
| SIL Balanced Plus Fund | Shares and property securities | 65% | 50-80% |
| Cash assets and fixed interest assets | 35% | 20-50% | |
| The investment objective is to generate capital growth and mitigate risk by diversifying across different asset categories and markets. | |||
| SIL New Zealand Fixed Interest Fund | Fixed interest assets | 100% | 90 -100% |
| Cash assets | 0% | 0-10% | |
| The investment objective is to generate returns by investing primarily in New Zealand Government bonds, State Owned Enterprise bonds and corporate bonds, debentures, short term money market and other debt securities. The SIL New Zealand Fixed Interest Fund may also invest in international debt securities issued in New Zealand by international companies, international fixed interest securities (fully hedged back to the New Zealand dollar) and cash. | |||
| SIL New Zealand Share Fund | Shares | 100% | 90-100% |
| Cash assets | 0% | 0-10% | |
| The investment objective is to generate capital growth and provide competitive returns ahead of inflation by investing primarily, directly or indirectly, in shares listed (or in the process of listing) on the New Zealand Stock Exchange characterised by proven management, a strong market position, prudent financial practices and strong financial performance (balance sheet and cash flow). | |||
| SIL International Share Fund | Shares | 100% | 90-100% |
| Cash assets | 0% | 0-10% | |
| The investment objective is to generate capital growth and returns ahead of inflation by investing directly or indirectly in securities issued by entities listed on stock exchanges around the world which entities are characterised by experienced and prudent management, strong cash flows and prudent debt levels. The SIL International Share Fund provides exposure to securities listed on major American, UK, European, Japanese and emerging country sharemarkets. | |||
| SIL Cash Plus Fund | Cash assets | 100% | 100% |
| The investment objective is to protect the value of members' investments and provide competitive returns by investing directly or indirectly in a range of cash, short term debt securities, term deposits and floating rate notes. | |||
ANZ Investments can change the objectives and policies of each fund from time to time.
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We've prepared an annual fund update for each fund in the SIL Mutual Scheme. They provide information about the relevant fund, how it has performed and what fees it charged. They also list the types of assets the fund invested in, information about asset and portfolio holdings and key personnel who were involved in making investment decisions for the funds.
It’s easy to join. All you need to do is:
Remember to provide your email address, so we can keep you up-to-date with your investment.
If you’re a joint investor or a company, trust, partnership or estate, you may need to complete one or more additional forms. Please see Documents and forms for more information and copies of these forms.
If you still have questions about the funds after reading the guide and product disclosure statement contact your financial adviser or contact us at service@anzinvestments.co.nz or on 0800 736 034.
It’s easy to join. All you need to do is:
Remember to provide your email address, so we can keep you up-to-date with your investment.
If you’re a joint investor or a company, trust, partnership or estate, you may need to complete one or more additional forms. Please see Documents and forms for more information and copies of these forms.
If you still have questions about the funds after reading the guide and product disclosure statement contact your financial adviser or contact us at service@anzinvestments.co.nz or on 0800 736 034.
Our registry will be closed between 31 March and 3 April 2014 while we complete tax year-end procedures. That means we'll be holding all customer requests (for things like contributions, withdrawals, switches or direct debits) during this period.
From Friday 4 April, we'll action your request as soon as possible. Thank you for your patience.
