Latest returns

Your investment returns depend on the performance of the investment option(s) you have chosen to invest your savings in. Returns may be negative, nil or positive.

Daily unit pricing

UniSaver uses daily unit pricing. When you log in to your account to view your investment balances online, you see the unit price, number of units and dollar value for your holding in each investment option.

A unit represents a share in a particular investment option. The unit price is based on the net value of all the investments held under that investment option. At the end of each trading day, we declare a unit price for each option, just like a share price. When your contributions are paid into the scheme, you effectively buy additional units based on that day’s unit price. Similarly, when you apply for a benefit, you redeem units to the value of your withdrawal based on that day’s unit price.

Taxes, investment management fees and expenses are reflected in the unit price.

Compare current and historical unit prices

When comparing unit pricing, remember superannuation is a long-term investment and past performance is not an indication of future performance.

2020 percentage interest rates 

Investment performance figures are based on the change in unit prices over a given period and are expressed as a percentage. Returns are after tax at 28% and fees.

UniSaver vs KiwiSaver

Every provider has a slightly different strategy, so it is difficult to make comparative statements against average returns. However, comparing UniSaver returns against KiwiSaver funds with a similar mix of investments provides a benchmark that’s easy to relate to.

Performance against objectives

We have set objectives for Growth, Balanced, Conservative and Cash in order to set the appropriate investment strategy for these funds and help monitor their performance. See how the investment options are tracking.

Annual interest rates

(after tax and expenses)