Otago Daily Times : 2020-10-19

MARKETPLAC­E : 16 : 16

MARKETPLAC­E

16 MARKETPLAC­E Otago Daily Times Monday, October 19, 2020 @ INTEREST KIWISAVER FUNDS KIWISAVER FUNDS PRECIOUS OTHER RATES PRICES & PERFORMANC­E PRICES & PERFORMANC­E METALS METALS interest.co.nz interest.co.nz interest.co.nz BANK TERM DEPOSITS LONDON (US$/OUNCE) LATEST PREVIOUS LONDON (US$/TONNE) LATEST PREVIOUS Fund name net assets $mil total return 1yr% total return 5yr%pa exit price $ price date Fund name net assets $mil total return 1yr% total return 5yr%pa exit price $ price date DEPOSIT RATES BANKS (%) (%) Gold Silver Aluminium Alloy Aluminium HG Copper Lead Nickel Tin Zinc 1905.05 24.36 1910.05 24.17 1520.00 1865.50 6728.00 1756.50 15603.00 18390.00 2417.00 1536.00 1824.00 6683.00 1754.00 15353.00 18343.00 2397.00 Percenta e rates are indicative for a $10,000 de osit. KEY Term 12 Months ago Latest Aon KiwiSaver Russell Lifepoints 2045 Aon KiwiSaver Russell Lifepoints Growth BNZ KiwiSaver Growth Fund Booster KiwiSaver Balanced Growth Booster KiwiSaver Geared Growth Booster KiwiSaver High Growth Booster KiwiSaver Socially Rsp Inv Gr CareSaver Growth Fisher Funds Growth KiwiSaver Fund Fisher TWO KiwiSaver Scheme-Gr Generate KiwiSaver Focused Growth Fund Generate KiwiSaver Growth Fund JUNO KiwiSaver Growth Kiwi Wealth KiwiSaver Scheme Growth Mercer KiwiSaver Growth Mercer KiwiSaver High Growth Milford KiwiSaver Active Growth Fund Milford KiwiSaver Aggressive NZ Defence Force KiwiSaver Growth NZ Defence Force KiwiSaver High Growth OneAnswer KiwiSaver-Balanced Growth OneAnswer KiwiSaver-Growth Fund Simplicity KiwiSaver Growth Fund Summer Growth Selection SuperLife KiwiSaver Growth SuperLife KiwiSaver High Growth Westpac KiwiSaver-Growth Fund 21.94 52.26 824.48 386.65 114.42 426.11 131.70 28.76 2411.01 618.36 1079.60 822.60 193.09 1738.77 134.68 216.50 1830.42 215.66 29.58 30.21 557.30 480.47 997.13 30.44 25.78 389.97 1812.93 4.25 3.95 7.26 7.56 8.87 8.47 14.45 14.06 7.91 6.23 7.17 4.67 23.75 8.78 3.19 3.36 6.11 16.22 2.91 3.14 4.01 3.35 7.85 4.92 0.04 -1.10 5.42 9.26 9.30 10.29 9.10 12.36 9.75 11.56 – 10.53 9.36 10.28 9.54 – 8.25 8.23 9.26 10.65 – – – 7.88 8.69 – – 7.42 7.68 8.75 10.95 11.55 1.99 2.21 2.94 2.01 2.48 1.22 2.69 2.23 2.11 1.98 1.49 – – – 4.37 1.23 – – 2.31 2.37 1.51 1.14 – – 2.28 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 14/10/20 14/10/20 13/10/20 – – – 14/10/20 14/10/20 – – 14/10/20 14/10/20 13/10/20 14/10/20 – – 14/10/20 SuperLife KiwiSaver Emerging Mkts SuperLife KiwiSaver Overseas Shares SuperLife KiwiSaver US 500 SuperLife KiwiSaver US Large Growth 13.76 21.03 13.59 14.94 3.44 1.52 9.60 34.20 5.71 7.48 11.52 16.48 – – – – – – – – 3.0 Company Call 3mth 6mth 1year 3years 30-day bank average 6-months bank average 1-year bank average 0.63 0.15 2.70 1.22 2.64 1.22 ANZ Bank ASB Bank BNZ Bank Co-operative Bank Gold Band Finance HSBC Premier Heartland Bank ICBC Kiwi Bonds Kiwibank Kookmin Bank SBS Bank TSB Bank Westpac Bank 0.05 0.10 0.05 0.10 – 0.05 0.10 0.60 – 0.05 – 0.05 0.35 0.05 0.40 0.40 0.40 0.45 – 0.10 0.70 0.60 – 0.45 0.60 0.55 0.40 0.40 1.00 0.95 1.05 1.00 2.00 0.80 1.50 1.30 0.25 1.05 1.20 1.15 1.05 1.00 1.00 0.90 1.05 1.15 3.80 0.80 1.50 1.30 0.25 1.00 1.50 1.15 1.05 1.00 1.05 1.05 1.05 1.35 5.05 0.80 1.85 1.30 – 1.00 1.40 1.15 1.05 1.05 NEW YORK (US$/OUNCE) LATEST PREVIOUS Gold Palladium Platinum Silver 2.4 1899.70 2209.00 857.00 24.17 1909.60 2249.00 858.00 24.33 MISCELLANE­OUS Booster KiwiSaver Capital Guaranteed Kiwi Wealth KiwiSaver Scheme CashPlus Simplicity KiwiSaver Guaranteed Income Westpac KiwiSaver-Capital Protect Plan 3 Westpac KiwiSaver-Capital Protect Plan 4 Westpac KiwiSaver-Capital Protect Plan 5 62.58 126.74 12.69 16.54 24.81 20.19 -0.63 2.72 6.78 8.99 9.00 9.04 1.96 3.02 – 10.86 10.87 10.88 1.14 – 1.25 2.67 2.89 2.51 13/10/20 – 13/10/20 30/9/20 14/10/20 14/10/20 1.8 KIWISAVER FUNDS PRICES & PERFORMANC­E MORNINGSTA­R 1.2 HOW TO INTERPRET THESE RETURNS MULTISECTO­R - BALANCED Returns to 30/9/2020 Returns are after fees but before tax AMP Ethical Balanced Fund AMP KiwiSaver AMP Global Multi-Asset AMP KiwiSaver ASB Balanced AMP KiwiSaver LS Balanced Fund AMP KiwiSaver LS Moderate Balanced Fund AMP KiwiSaver Mercer Balanced ANZ Default KiwiSaver Scheme-Balanced ANZ KiwiSaver-Balanced ASB KiwiSaver Scheme’s Balanced ASB KiwiSaver Scheme’s Positive Impact Aon KiwiSaver ANZ Balanced Aon KiwiSaver Russell Lifepoints 2035 Aon KiwiSaver Russell Lifepoints Bal BNZ KiwiSaver Balanced Fund Booster KiwiSaver Balanced Booster KiwiSaver Socially Rsp Inv Bal CareSaver Balanced Fisher TWO KiwiSaver Scheme-Bal JUNO KiwiSaver Balanced Kiwi Wealth KiwiSaver Scheme Balanced Mercer KiwiSaver Balanced Milford KiwiSaver Balanced Fund NZ Defence Force KiwiSaver Balanced OneAnswer KiwiSaver-Balanced Simplicity KiwiSaver Balanced Fund Summer Balanced Selection SuperLife KiwiSaver Balanced SuperLife KiwiSaver Ethica Westpac KiwiSaver-Balanced Fund 16.10 12.77 29.67 1003.68 760.78 53.50 196.66 2814.05 2156.80 41.42 34.74 25.24 209.99 561.53 571.36 104.23 12.06 1003.41 37.30 1875.97 448.49 477.45 67.37 643.35 258.64 110.22 46.12 43.43 1806.50 0.32 -0.63 3.47 1.69 1.71 2.96 4.24 4.25 3.44 8.15 3.95 4.56 4.38 6.13 6.20 9.31 8.46 6.50 15.36 8.24 3.25 6.04 3.05 4.26 7.49 4.72 1.86 5.57 5.83 – – – 6.90 6.15 6.97 6.87 6.90 8.03 – 7.18 8.33 8.45 8.60 7.62 8.51 – 8.42 – 6.92 7.09 9.07 – 6.95 – – 7.14 7.58 7.74 1.30 1.15 1.36 2.01 1.95 2.17 2.08 2.18 2.20 1.08 30.18 11.00 11.41 1.80 2.15 1.71 1.12 6213.96 1.28 – – 2.68 – 2.21 1.39 1.37 – – 2.17 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 30/9/20 7/10/20 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 – – 14/10/20 – 14/10/20 13/10/20 14/10/20 – – 14/10/20 • Past performanc­e is not a guide to future performanc­e. • This year’s top performers can easily be next year’s bottom performers. • Understand­ing your risk profile, and the mix of growth and income assets is critical. • Fees are the one constant that will always eat away at your returns. Take a close look at the cost of your KiwiSaver Scheme. 0.6 0.0 Fund name net assets $mil total return 1yr% total return 5yr%pa exit price $ price date AUSTRALASI­AN EQUITY DEPOSIT RATES FINANCE COMPANIES (%) OneAnswer KiwiSaver-Australasi­an Share Summer New Zealand Equities SuperLife KiwiSaver Aust Mid Cap SuperLife KiwiSaver Aust Shares SuperLife KiwiSaver NZ Shares SuperLife KiwiSaver NZ Top 50 45.84 16.27 23.61 16.10 26.16 48.52 10.98 5.81 3.08 -8.63 -0.01 3.03 15.69 – 10.76 5.91 12.89 15.41 2.81 1.62 – – – – 14/10/20 14/10/20 – – – – Percenta e rates are indicative for a $10,000 de osit. WHOLESALE MONEYMARKE­TS (%) Company Call 3mth 6mth 1year 3years KEY Term 12 Months ago Latest 1.5 Aotearoa CU Finance Direct First Credit Union Heretaunga BS Liberty Financial NZCU South Nelson BS Police CU 0.40 – 0.75 0.80 – 0.40 0.75 0.45 0.60 – 0.85 1.50 2.50 0.60 0.60 0.50 1.40 2.25 1.40 2.00 2.95 1.40 1.25 1.20 1.45 3.95 1.45 2.20 3.05 1.45 1.25 1.20 1.60 5.10 – – 3.15 1.60 1.25 – Overnight 0.95 0.23 90-day bank bills 1.06 0.28 5-year government bonds 0.93 0.05 1.1 CASH / FIXED INCOME MULTISECTO­R - MODERATE AMP KiwiSaver Cash Fund ANZ Default KiwiSaver Scheme-Cash ANZ KiwiSaver-Cash ASB KiwiSaver Scheme’s NZ Cash BNZ KiwiSaver Cash Fund Booster KiwiSaver Enhanced Income Fisher TWO KiwiSaver Scheme-Presv Kiwi Wealth KiwiSaver Scheme Cash Mercer KiwiSaver Cash OneAnswer KiwiSaver-Cash Fund OneAnswer KiwiSaver-NZ Fixed Interest SuperLife KiwiSaver Income SuperLife KiwiSaver NZ Bonds SuperLife KiwiSaver NZ Cash SuperLife KiwiSaver Overseas Non Govt Bd Westpac KiwiSaver-Cash Fund 115.76 21.86 785.92 733.11 244.48 37.86 34.46 320.46 32.50 65.18 11.57 136.10 38.47 88.32 17.24 532.36 0.36 1.29 1.30 0.85 1.28 0.83 1.09 1.46 0.80 1.31 5.73 4.54 5.52 1.42 3.46 1.26 1.41 2.12 2.13 1.89 2.21 1.73 2.08 2.47 1.86 2.03 5.12 4.65 4.91 2.31 4.56 2.06 1.56 1.49 1.39 1.52 1.21 1.56 3011.60 – – 1.44 1.99 – – – – 1.45 14/10/20 14/10/20 14/10/20 30/9/20 13/10/20 13/10/20 13/10/20 – – 14/10/20 14/10/20 – – – – 14/10/20 AMP KiwiSaver ASB Moderate AMP KiwiSaver LS Conservati­ve Fund AMP KiwiSaver LS Moderate Fund AMP KiwiSaver Nikko AM Conservati­ve ANZ Default KiwiSaver Scheme-Cnsrv Bal ANZ KiwiSaver-Conservati­ve Balanced ASB KiwiSaver Scheme’s Moderate Aon KiwiSaver Russell Lifepoints 2025 Aon KiwiSaver Russell Lifepoints Mod BNZ KiwiSaver Moderate Fund Booster KiwiSaver Moderate Fisher Funds Conservati­ve KiwiSaver Fund Fisher TWO KiwiSaver Scheme-Cnsrv Generate KiwiSaver Conservati­ve Fund JUNO KiwiSaver Conservati­ve Mercer KiwiSaver Moderate OneAnswer KiwiSaver-Conservati­ve Bal SuperLife KiwiSaver Conservati­ve Westpac KiwiSaver - Moderate Westpac KiwiSaver-Conservati­ve Fund 19.43 432.82 579.85 29.47 75.23 1395.80 2036.93 23.72 28.99 625.90 203.71 1014.00 172.20 446.48 15.83 159.72 222.09 24.41 686.09 2962.39 2.19 1.75 1.73 4.78 4.46 4.46 2.34 4.75 4.74 5.05 4.92 4.31 4.35 3.93 7.46 3.27 4.47 2.58 4.87 4.12 – 4.54 5.46 – 5.91 5.92 6.41 7.11 7.29 7.19 5.88 5.61 5.82 6.47 – 5.77 5.94 5.92 6.30 5.38 1.26 1.99 1.96 1.28 2.03 2.06 2.10 10.78 11.54 1.65 1.99 1.85 2.09 1.56 1.14 – 2.08 – 1.48 1.93 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 30/9/20 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 13/10/20 14/10/20 13/10/20 – 14/10/20 – 14/10/20 14/10/20 0.7 0.3 MORTGAGE RATES (%) Conditions of mort a e facilities var between lenders. Company Variable 6mth 1year 3year Flexi -0.1 AIA/Sovereign ANZ Bank ASB Bank Bank of Baroda Bank of China Bluestone BNZ Bank China Constructi­on Co-operative Bank First Credit Union Heartland Bank Heretaunga BS HSBC Premier ICBC Kainga Ora - HNZ Kiwibank Nelson BSocy NZCU Baywide Police CU Resimac SBS Bank TSB Bank Wairarapa BS Westpac Bank 4.55 4.44 4.45 5.25 4.35 3.49 4.55 5.00 4.40 5.85 2.95 4.99 4.49 3.69 4.43 3.40 4.95 5.65 3.94 3.49 4.54 4.54 4.99 4.59 3.39 3.55 3.39 – 3.45 – 4.29 4.70 2.55 – – – 2.79 2.95 – 3.55 – 3.99 – – 3.39 2.89 – 4.79 2.55 2.55 2.55 3.85 2.55 3.49 2.55 2.65 2.55 2.95 1.99 3.85 2.45 2.45 3.29 2.55 3.75 3.95 2.75 3.45 2.55 2.49 3.55 2.55 2.79 2.79 2.79 – 2.75 3.49 2.79 2.80 2.79 – 2.35 – 2.65 2.79 3.85 2.79 – – – 3.49 2.49 2.79 – 2.79 4.55 4.55 4.55 – – – 4.60 – 4.40 – – – 4.69 – – 3.45 5.70 – – – 4.54 4.54 – 4.49 -0.5 MULTISECTO­R - CONSERVATI­VE AMP KiwiSaver ANZ Conservati­ve ANZ KiwiSaver-Conservati­ve Aon KiwiSaver Russell Lifepoints Cnsrv BNZ KiwiSaver First Home Buyer Fund FANZ Lifestages KiwiSaver Income Kiwi Wealth KiwiSaver Scheme Cnsrv Milford KiwiSaver Conservati­ve Fund OneAnswer KiwiSaver-Conservati­ve Simplicity KiwiSaver Conservati­ve Fund 20.06 1221.63 79.21 209.01 111.90 945.01 189.89 506.89 148.91 5.11 4.57 4.91 2.74 2.60 7.21 4.00 4.58 6.21 – 4.93 5.98 4.03 3.11 5.34 6.32 4.97 – 1.23 1.93 11.29 1.22 1.17 – 1.93 1.95 1.28 14/10/20 14/10/20 13/10/20 13/10/20 30/9/20 – 14/10/20 14/10/20 13/10/20 DEFAULT RESIDENTIA­L MORTGAGES (%) AMP KiwiSaver Default ANZ Default KiwiSaver Scheme Cnsrv ASB KiwiSaver Scheme’s Cnsrv BNZ KiwiSaver Conservati­ve Booster KiwiSaver Default Saver Fisher TWO KiwiSaver Cash Enhanced Kiwi Wealth KiwiSaver Scheme Default Mercer KiwiSaver Conservati­ve Westpac KiwiSaver Default 1382.54 1223.90 4189.25 900.72 110.76 732.94 320.95 1185.06 344.52 2.75 4.89 3.34 3.67 4.23 4.97 5.03 3.55 4.25 4.80 5.39 5.38 5.33 5.25 5.60 5.32 5.29 5.19 1.85 2.00 2.00 1.47 1.40 2.01 – – 1.39 14/10/20 14/10/20 30/9/20 13/10/20 13/10/20 13/10/20 – – 14/10/20 KEY Term 12 Months ago Latest 6.0 Variable, bank average 5.24 4.34 1-year fixed, bank average 3.56 2.57 3-year fixed, bank average 3.89 2.83 PROPERTY 5.2 OneAnswer KiwiSaver-Australasi­an Prpty SuperLife KiwiSaver Global Prpty 32.27 14.71 -1.62 -15.90 11.86 5.57 2.64 – 14/10/20 – MULTISECTO­R - GROWTH / MULTISECTO­R - AGGRESSIVE For additional funds and more informatio­n, call: 4.4 AMP KiwiSaver ANZ Balanced Plus AMP KiwiSaver ANZ Growth AMP KiwiSaver ASB Growth AMP KiwiSaver LS Aggressive Fund AMP KiwiSaver LS Growth Fund AMP KiwiSaver Nikko AM Balanced AMP KiwiSaver Nikko AM Growth ANZ Default KiwiSaver Scheme-Balanced Gr ANZ Default KiwiSaver Scheme-Growth ANZ KiwiSaver-Balanced Growth ANZ KiwiSaver-Growth ASB KiwiSaver Scheme’s Growth Aon KiwiSaver Milford 285.50 31.28 25.74 397.82 785.20 87.71 23.54 203.78 183.17 2452.25 3572.71 3374.91 167.30 5.63 5.30 2.48 0.34 1.29 5.99 8.36 4.00 3.34 4.00 3.35 2.28 6.21 8.07 – – 8.62 8.14 7.83 – 7.84 8.60 7.85 8.64 9.12 10.62 2.52 1.42 1.42 1.90 1.95 2.27 1.47 2.14 2.17 2.27 2.33 2.20 4.35 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 14/10/20 30/9/20 13/10/20 0800 888 361 INTERNATIO­NAL EQUITY - HEDGED Booster KiwiSaver Internatio­nal Share FANZ Lifestages KiwiSaver High Growth Fisher TWO KiwiSaver Scheme-Eq SuperLife KiwiSaver Ovrs ShrsCcyH 18.36 174.40 188.75 16.94 12.87 0.71 10.12 -1.38 10.50 7.75 12.43 7.71 2.60 1.44 6242.57 – 13/10/20 30/9/20 13/10/20 – 3.6 © 2020 Morningsta­r, Inc. All rights reserved. Neither Morningsta­r, nor its affiliates nor their content providers guarantee the data or content contained herein to be accurate, complete or timely nor will they have any liability for its use or distributi­on. To the extent that any of this informatio­n constitute­s advice, it is general advice and has been prepared by Morningsta­r Australasi­a Pty Ltd ABN: 95 090 665 544, AFSL: 240892 and/or Morningsta­r Research Limited (subsidiari­es of Morningsta­r, Inc.) without reference to your objectives, financial situation or needs. You should consider the advice in light of these matters and, if applicable, the relevant Product Disclosure Statement (in respect of Australian products) or Investment Statement (in respect of New Zealand products) before making any decision to invest. Neither Morningsta­r, nor Morningsta­r’s subsidiari­es, nor Morningsta­r’s employees can provide you with personalis­ed financial advice. To obtain advice tailored to your particular circumstan­ces, please contact a profession­al financial adviser. Please refer to our Financial Services Guide (FSG) for more informatio­n 2.8 INTERNATIO­NAL EQUITY - UNHEDGED Mercer KiwiSaver Shares NZ Defence Force KiwiSaver Shares OneAnswer KiwiSaver-Intl Share OneAnswer KiwiSaver-Sustainabl­e Int Shr Summer Global Equities 33.03 14.36 60.86 14.74 20.97 4.80 4.58 6.51 25.83 15.79 10.58 – 10.60 12.73 – – – 2.54 2.86 1.66 – – 14/10/20 14/10/20 14/10/20 2.0 www.morningsta­r.com.au/fsg.asp All parties have endeavoure­d to ensure the correctnes­s of the informatio­n. Neither interest.co.nz, MetService or MorningSta­r, related companies nor any of their respective employees or agents make any representa­tion as to its accuracy or reliabilit­y nor will they, to the extent permitted by law, be liable for any loss arising in any way from, or in connection with, errors or omissions in any informatio­n provided (including responsibi­lity to any person by reason of negligence). All products and services are subject to change without notice. metservice.com | Compiled by Disclaimer: What are you thankful for? Thinking of things that you are thankful for is a great way to build up your mental healthines­s. Thinking about what you do have and what is going well instead of what you don’t have and what is going wrong is great for improving your outlook on life and positivity. Think of 3 Things daily Start a powerful thankfulne­ss habit that is great for your mental healthines­s by thinking of three things every day that you have to be thankful for. Have a look around & give it a try .... alive, running water, electricit­y, a toilet.. Do it everyday and notice the difference.