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.
| Current price 17/06/2025 | |
|---|---|
| Growth (Lower Carbon) | $1.0292 |
| Growth | $1.4319 |
| Balanced | $1.3133 |
| Conservative | $1.1569 |
| Cash | $1.1374 |
Compare current and historical unit prices
To compare current and historical unit prices, select a date and submit
No unit price data available.
When comparing unit pricing, remember superannuation is a long-term investment and past performance is not an indication of future performance.
You can download an Excel spreadsheet of unit price data for any given date range here. [external link]
2025 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 fees and tax at 28%. Growth (Lower Carbon) was introduced on 30 April 2025.
Period |
Growth % |
Growth (Lower Carbon) % |
Balanced % |
Conservative % |
Cash % |
|---|---|---|---|---|---|
|
January |
1.80 |
- |
1.32 |
0.71 |
0.30 |
|
February |
-1.02 |
- |
-0.49 |
0.15 |
0.25 |
|
March |
-2.26 |
- |
-1.50 |
-0.54 |
0.23 |
|
April |
-1.59 |
- |
-0.85 |
0.01 |
0.26 |
|
May |
3.59 |
2.82 |
2.33 |
0.83 |
0.23 |
|
Year to date |
0.40 |
2.82 |
0.76 |
1.16 |
1.27 |
These returns are based on unit prices which are calculated with a one-day lag. This means that returns that are reported to the end of each period actually reflect prices on the previous business day.
Peer performance: UniSaver vs KiwiSaver
These graphs compare returns from UniSaver Growth, Balanced, Conservative and Cash with median returns from comparable funds in the Morningstar KiwiSaver Survey. Every investment provider has a slightly different asset allocation strategy, so it can be misleading to draw close comparisons. However, comparing UniSaver returns against KiwiSaver funds with a similar mix of investments does provide a benchmark that’s easy to relate to.
UniSaver vs KiwiSaver returns
Returns for periods ended 31 March 2025 (after fees and tax at 28%).
Historical returns
Remember the maxim that past performance is not a guide to future performance. That’s why we recommend you stick to a long-term investment strategy based on your personal circumstances – making particular note of when you expect to access your savings. Our risk [external link] p [external link]rofiler [external link] is a good place to start to work out whether you’re in the right investment option for your risk appetite and investment timeframe.
Years to 31 December (after fees and tax at 28%)
Annual interest rates (after fees and tax at 28%)
12 months |
Growth % |
Balanced % |
Conservative % |
Cash % |
|---|---|---|---|---|
|
2024 |
14.43 |
10.63 |
5.33 |
4.24 |
|
2023 |
11.27 |
9.11 |
5.87 |
4.01 |
|
2022 |
-12.37 |
-11.12 |
-7.02 |
1.54 |
|
2021 |
13.35 |
8.72 |
2.62 |
0.38 |
|
2020 |
4.32 |
5.48 |
4.22 |
0.78 |
|
2019 |
20.44 |
15.31 |
7.82 |
1.50 |
|
2018 |
-6.42 |
-4.08 |
-0.47 |
1.69 |
|
2017 |
17.35 |
13.09 |
6.69 |
1.75 |
|
2016 |
5.66 |
5.27 |
4.02 |
1.86 |
|
2015 |
7.29 |
5.83 |
4.54 |
2.42 |
|
2014 |
12.34 |
10.24 |
7.37 |
2.70 |
|
2013 |
16.27 |
11.41 |
7.17 |
2.20 |
|
2012 |
15.81 |
12.81 |
8.77 |
2.31 |
|
2011 |
-2.59 |
-0.25 |
1.56 |
2.64 |
|
2010 |
6.46 |
5.74 |
4.22 |
2.30 |