SuperLife Conservative 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)	$26,135,056
Fund Start Date	15 November 2010
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)	$91,100,626
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)	$43,167,373
Fund Start Date	21 September 2010
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)	$2,701,601
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)	1.11%	10.07%	1.98%	2.57%
Market Index Return (reflects no deductions for charges and tax)	1.37%	12.76%	3.53%	4.01%

Fee	Amount
Fund Charges (estimate)	0.57% 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)	1.13%	10.17%	2.08%	2.66%
Market Index Return (reflects no deductions for charges and tax)	1.37%	12.76%	3.53%	4.01%

Fee	Amount
Fund Charges (estimate)	0.47% 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)	1.11%	10.07%	2.01%	2.61%
Market Index Return (reflects no deductions for charges and tax)	1.37%	12.76%	3.53%	4.01%

Fee	Amount
Fund Charges (estimate)	0.57% 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)	1.09%	9.89%	1.85%	2.48%
Market Index Return (reflects no deductions for charges and tax)	1.37%	12.76%	3.53%	4.01%

Fee	Amount
Fund Charges (estimate)	0.78% 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	12.99%	14.00%	0-90%
New Zealand fixed interest	21.76%	21.00%	0-50%
International fixed interest	35.22%	35.00%	0-60%
Total	69.97%	70.00%
Growth	Current %	Target %	Range
Australasian equities	3.68%	5.00%	0-30%
International equities	22.91%	22.00%	0-35%
Listed property	1.69%	1.50%	0-15%
Other	1.74%	1.50%	0-15%
Total	30.02%	30.00%

31 October 2024

Name	Type	%
Smart Global Aggregate Bond ETF	International fixed interest	19.87%
Smart Global Government Bond ETF	International fixed interest	13.92%
Smart NZ Cash ETF	Cash and cash equivalents	12.98%
Smart NZ Bond ETF	New Zealand fixed interest	10.82%
Smart S&P/NZX NZ Government Bond ETF	New Zealand fixed interest	10.54%
Smart Total World ETF	International equities	7.12%
Smart S&P/NZX 50 ETF	Australasian equities	3.55%
Smart US 500 ETF	International equities	2.44%
Smart Europe ETF	International equities	2.09%
Vanguard International Credit Securities Index Fund - AUD Hedged	International fixed interest	1.70%

Geography

31 October 2024

Country	%	Relative Weighting
New Zealand	36.76%
United States	27.64%
Japan	11.40%
Australia	6.37%
United Kingdom	2.78%
Germany	2.29%
France	2.08%
Switzerland	1.40%
Sweden	1.11%
China	0.85%
Taiwan	0.81%
Denmark	0.72%
Spain	0.68%
Canada	0.61%
Italy	0.61%
Singapore	0.59%
The Netherlands	0.57%
India	0.45%
Belgium	0.37%
Hong Kong	0.34%
South Korea	0.29%
Finland	0.25%
Norway	0.11%
Ireland	0.10%
Saudi Arabia	0.10%
Brazil	0.09%
South Africa	0.07%
Austria	0.07%
Israel	0.07%
Mexico	0.05%
Thailand	0.05%
Indonesia	0.05%
Malaysia	0.04%
United Arab Emirates	0.03%
Poland	0.03%
Chile	0.02%
Qatar	0.02%
Turkey	0.02%
Kuwait	0.02%
Philippines	0.01%
Greece	0.01%
Portugal	0.01%
Luxembourg	0.01%