Investment options

Even if your retirement is a long way off, the financial decisions you make today can have a major effect on your lifestyle in the future.

We provide several choices for investors seeking a straightforward investment solution.

We have a team of qualified and experienced Financial Planners who are dedicated to working with investors to help them achieve their life stage goals. We provide solutions for investors seeking a straightforward and complete investment portfolio, with appropriate asset allocation, blend of investments and flexibility to meet your life stage and needs.

• Lifestages KiwiSaver Scheme
• Lifestages Deposit Portfolio (PIE Structure)
• Lifestages Unit Trust
• Lifestages Mortgage Portfolio
• Lifestages World Equity Portfolio
• Australasian Equity Portfolio

Lifestages KiwiSaver Scheme

Investors only need to make one decision to access the Lifestages KiwiSaver Scheme. The Lifestages KiwiSaver Scheme should suit most pre-retirement age investors, whatever their particular life stage or needs. The Lifestages KiwiSaver Scheme currently mirrors the investment strategy of the Lifestages Superannuation Scheme (formerly the Lifestages Capital Stable Portfolio) which is now closed to new contributions but has a strong record of maintaining capital irrespective of market ups and downs and is most suitable for investors who are seeking competitive returns over the long term but without capital volatility.

The Lifestages Superannuation Scheme was the winner of the Diversified Defensive Fund Manager of the Year Awards by research house, Fund Source, in 2002 and was runner up in the same category in 2003. When one considers that these years covered the September 11 terrorism attacks and the dot-com crash, this provides a good indication of how that portfolio fared in extreme markets (although it is not an indication of how it could perform in extreme markets in the future).

The current investment objective of the Lifestages KiwiSaver Scheme is to produce long-term capital growth from a mix of investments chosen to give a lower level of risk to investors wishing to save for their retirement. The scheme is an active superannuation scheme and its current benchmark includes investments in SBS fixed interest investments and Australasian and international equities.

Download a full portfolio statement (PDF, 36KB)

SBS Lifestages Deposit Portfolio

The SBS Lifestages Deposit Portfolio is suitable for investors who are seeking an account with a competitive rate of return and no fees, all wrapped up in a Portfolio Investment Entity (PIE) structure.  The PIE structure is a new regime of taxation for qualifying managed funds.

The SBS Lifestages Deposit Portfolio invests primarily in securities issued by SBS.  Investing in a PIE will simplify the administration of your investment.  But best of all, the PIE structure provides tax savings for many investors.  As PIE tax is a final tax, PIE income does not need to be included in your final tax return.

For more information on the SBS Lifestages Deposit Portfolio click here

Lifestages Unit Trusts

Unit trust portfolios include a wide range of fixed interest options, managed funds and directly traded investments.

Mortgage Portfolio

A unit trust investing principally in a diversified and conservatively lent portfolio of rural, commercial and residential mortgages. The loan valuation ratios that can be lent up to are: Residential (80%) Rural (60%) Commercial (60%) All mortgages are first ranking. The fund acts as a core holding in investors fixed interest portfolios. The Lifestages Mortgage Portfolio (Distributing) aims to provide investors with exposure to a diversified portfolio of mortgages managed by SBS.

Download a full portfolio statement (PDF, 36KB)

World Equity Portfolio

An active unit trust principally investing in the shares of international companies. The fund acts as a core holding in an overall investment portfolio. The Lifestages World Equity Portfolio aims to provide investors with long term capital growth through investment in quality international equities.

Past performance provides no indication of future performance. Investment performance is net of fees and taxes.

Download a full portfolio statement (PDF, 36KB)

Australasian Equity Portfolio

An active unit trust principally investing in the shares of New Zealand and Australian companies. The fund acts as a core holding in an overall investment portfolio. The Lifestages Australasian Equity Portfolio aims to provide investors with long term capital growth through investment in quality New Zealand and Australian equities.

Download a full portfolio statement (PDF, 36KB)