SuperLife Age Steps

Fund Facts

Asset Class	Multi-asset class
Geographic Focus	International
Market Index	The market index for the age step is a composite index. It is made up of the indices used to measure the performance of the assets that the age step invests in. The market index return for the age step is calculated using the weighted average annual return of the market indices used to measure the performance of the assets that the age step invests in. This is calculated by multiplying the index return for each asset class by the target asset allocation weights for each asset class

Fund Value ( 31/10/2024)	$0
Fund Start Date	15 September 2013
Risk Indicator ( 27/06/2024)	Lower risk Higher risk 1 2 3 4 5 6 7 Potentially lower return Potentially higher return

Fund Value ( 31/10/2024)	$0
Fund Start Date	28 October 2016
Risk Indicator ( 27/06/2024)	Lower risk Higher risk 1 2 3 4 5 6 7 Potentially lower return Potentially higher return

Fund Value ( 31/10/2024)	$0
Fund Start Date	15 September 2013
Risk Indicator ( 27/06/2024)	Lower risk Higher risk 1 2 3 4 5 6 7 Potentially lower return Potentially higher return

Fund Value ( 31/10/2024)	$0
Fund Start Date	15 September 2013
Risk Indicator ( 27/06/2024)	Lower risk Higher risk 1 2 3 4 5 6 7 Potentially lower return Potentially higher return

Returns and Fees

31 October 2024

	Last month	Last year	3 years (p.a.)	5 years (p.a.)
Return (after deductions for charges and tax)	1.51%	21.76%	4.06%	5.70%
Market Index Return (reflects no deductions for charges and tax)	1.53%	25.69%	5.80%	8.29%

Fee	Amount
Fund Charges (estimate)	0.62% per annum of fund's net value.
Administration fee	$30 a year (regardless of the number of investment options you invest in, or the number of times you change investment options). You do not pay the fee if you have all your money invested in the SuperLife Default Fund.

The returns are after tax at the highest prescribed investor rate (PIR) of tax for an individual New Zealand resident. Your tax may be lower. If you are a SuperLife investor, you can log in to see how your investments have performed.

	Last month	Last year	3 years (p.a.)	5 years (p.a.)
Return (after deductions for charges and tax)	1.51%	21.87%	4.14%	5.71%
Market Index Return (reflects no deductions for charges and tax)	1.53%	25.69%	5.80%	8.29%

Fee	Amount
Fund Charges (estimate)	0.52% per annum of fund's net value.
Administration fee	$12 a year (regardless of the number of investment options you invest in, or the number of times you change investment options).

	Last month	Last year	3 years (p.a.)	5 years (p.a.)
Return (after deductions for charges and tax)	1.51%	21.77%	4.09%	5.72%
Market Index Return (reflects no deductions for charges and tax)	1.53%	25.69%	5.80%	8.29%

Fee	Amount
Fund Charges (estimate)	0.62% per annum of fund's net value.
Administration fee	$12 a year (regardless of the number of investment options you invest in, or the number of times you change investment options).
Transfer fee	You will only be charged this fee if you transfer money from your member account to a KiwiSaver scheme and the transfer is to a KiwiSaver scheme other than the SuperLife KiwiSaver scheme. The fee is $50 for each transfer.

	Last month	Last year	3 years (p.a.)	5 years (p.a.)
Return (after deductions for charges and tax)	1.50%	21.59%	3.93%	5.64%
Market Index Return (reflects no deductions for charges and tax)	1.53%	25.69%	5.80%	8.29%

Fee	Amount
Fund Charges (estimate)	0.83% per annum of fund's net value.
Administration fee	$60 a year (regardless of the number of investment options you invest in, or the number of times you change investment options).

Top 10 Fund Investments

31 October 2024

SuperLife Age Steps invests in the SuperLife High Growth Fund, SuperLife Income Fund and NZ Cash Fund. As an investor’s age increases, the proportion of investments in SuperLife High Growth Fund is reduced (and proportion in the SuperLife Income Fund and NZ Cash Fund increases). To view the top 10 individual holdings, download the latest fund update at the top of this page.

Name	Type	%
Smartshares S&P/NZX 50 ETF	Australasian equities	13.19%
Smartshares Total World ETF	International equities	9.25%
Smartshares US 500 ETF	International equities	8.33%
Smartshares Europe ETF	International equities	5.81%
Smartshares Global Aggregate Bond ETF	International fixed interest	5.49%
Smartshares Global Infrastructure ETF	Other	4.06%
Smartshares Global Government Bond ETF	International fixed interest	3.98%
Smartshares NZ Cash ETF	Cash and cash equivalents	3.81%
Smartshares Asia Pacific ETF	International equities	3.60%
Smartshares US Mid Cap ETF	International equities	3.49%

Geography

31 October 2024

Country	%	Relative Weighting
New Zealand	34.16%
United States	31.30%
Australia	14.88%
China	3.58%
Japan	2.38%
Taiwan	1.69%
India	1.57%
United Kingdom	1.08%
France	1.06%
South Korea	1.02%
Germany	0.97%
Canada	0.84%
Italy	0.56%
Spain	0.42%
Switzerland	0.37%
Saudi Arabia	0.36%
Brazil	0.33%
South Africa	0.26%
The Netherlands	0.26%
Sweden	0.23%
Mexico	0.23%
Indonesia	0.21%
Thailand	0.20%
Malaysia	0.18%
Denmark	0.18%
Belgium	0.17%
United Arab Emirates	0.13%
Poland	0.12%
Austria	0.10%
Finland	0.10%
Hong Kong	0.10%
Singapore	0.09%
Ireland	0.09%
Qatar	0.08%
Norway	0.07%
Chile	0.07%
Kuwait	0.07%
Turkey	0.07%
Greece	0.06%
Philippines	0.06%
Israel	0.05%
Portugal	0.04%
Hungary	0.04%
Romania	0.03%
Czech Republic	0.03%
Peru	0.03%
Colombia	0.02%
Luxembourg	0.02%