SuperLife Balanced Fund

Asset Class	Multi-asset class
Geographic Focus	International
Market Index	The market index for the fund is a composite index. It is made up of the indices used to measure the performance of the assets that the fund invests in. The market index return for the fund is calculated using the weighted average annual return of the market indices used to measure the performance of the assets that the fund 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 ( 29/11/2024)	$77,063,765
Fund Start Date	23 February 2009
Risk Indicator ( 27/06/2024)	Lower risk Higher risk 1 2 3 4 5 6 7 Potentially lower return Potentially higher return

Fund Value ( 29/11/2024)	$522,161,543
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 ( 29/11/2024)	$346,041,695
Fund Start Date	18 February 2009
Risk Indicator ( 27/06/2024)	Lower risk Higher risk 1 2 3 4 5 6 7 Potentially lower return Potentially higher return

Fund Value ( 29/11/2024)	$9,224,008
Fund Start Date	24 July 2012
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

29 November 2024

	Last month	Last year	3 years (p.a.)	5 years (p.a.)
Return (after deductions for charges and tax)	1.81%	15.28%	3.58%	4.63%
Market Index Return (reflects no deductions for charges and tax)	2.09%	18.56%	5.43%	6.65%

Fee	Amount
Fund Charges (estimate)	0.60% 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)	1.84%	15.39%	3.67%	4.68%
Market Index Return (reflects no deductions for charges and tax)	2.09%	18.56%	5.43%	6.65%

Fee	Amount
Fund Charges (estimate)	0.50% 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).

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)	1.81%	15.29%	3.61%	4.67%
Market Index Return (reflects no deductions for charges and tax)	2.09%	18.56%	5.43%	6.65%

Fee	Amount
Fund Charges (estimate)	0.60% 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.

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)	1.80%	15.11%	3.44%	4.56%
Market Index Return (reflects no deductions for charges and tax)	2.09%	18.56%	5.43%	6.65%

Fee	Amount
Fund Charges (estimate)	0.81% 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).

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.

29 November 2024

Income	Current %	Target %	Range
Cash and cash equivalents	8.24%	8.00%	0-60%
New Zealand fixed interest	11.44%	12.00%	0-30%
International fixed interest	19.88%	20.00%	0-40%
Total	39.56%	40.00%
Growth	Current %	Target %	Range
Australasian equities	12.88%	14.00%	0-40%
International equities	41.47%	40.00%	0-50%
Listed property	3.13%	3.00%	0-20%
Other	2.96%	3.00%	0-15%
Total	60.44%	60.00%

31 October 2024

Name	Type	%
Smart Global Aggregate Bond ETF	International fixed interest	10.64%
Smart S&P/NZX 50 ETF	Australasian equities	9.36%
Smart Global Government Bond ETF	International fixed interest	7.79%
Smart Total World ETF	International equities	7.77%
Smart NZ Cash ETF	Cash and cash equivalents	6.55%
Smart NZ Bond ETF	New Zealand fixed interest	5.90%
Smart S&P/NZX NZ Government Bond ETF	New Zealand fixed interest	5.80%
Smart US 500 ETF	International equities	5.66%
Smart Europe ETF	International equities	4.98%
Smart Emerging Markets ETF	International equities	3.22%

Geography

31 October 2024

Country	%	Relative Weighting
New Zealand	32.85%
United States	30.75%
Australia	11.77%
Japan	7.12%
United Kingdom	2.01%
China	1.92%
Germany	1.65%
France	1.55%
Taiwan	1.36%
India	1.09%
Switzerland	0.98%
Sweden	0.75%
South Korea	0.65%
Canada	0.64%
Spain	0.52%
Italy	0.51%
Denmark	0.50%
The Netherlands	0.42%
Singapore	0.38%
Belgium	0.26%
Hong Kong	0.24%
Saudi Arabia	0.24%
Brazil	0.23%
Finland	0.18%
South Africa	0.18%
Mexico	0.13%
Thailand	0.12%
Indonesia	0.11%
Malaysia	0.10%
Ireland	0.09%
Norway	0.09%
United Arab Emirates	0.08%
Poland	0.07%
Austria	0.07%
Israel	0.05%
Qatar	0.05%
Turkey	0.05%
Kuwait	0.04%
Chile	0.04%
Philippines	0.03%
Greece	0.03%
Portugal	0.02%
Hungary	0.02%
Luxembourg	0.01%
Peru	0.01%
Romania	0.01%