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 01/07/2022
Growth $1.1113
Balanced $1.0811
Conservative $1.0323
Cash $1.0226

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].

2022 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.

Period

Growth %

Balanced %

Conservative %

Cash %

January 2022

-4.83

-3.62

-1.61

0.06

February 2022

-1.43

-1.40

-1.04

0.04

March 2022

2.13

1.13

-0.21

0.03

April 2022

-2.53

-2.22

-1.38

0.05

May 2022

-2.25

-1.57

-0.39

0.10

Year to date

-8.72

-7.51

-4.55

0.27

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.

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 Profiler [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.

UniSaver vs KiwiSaver returns

Returns for periods ended 31 March 2022 (after expenses and tax at 28%)

Graphs comparing UniSaver performance over 1, 3, 5 and 10 years with the average for KiwiSaver funds with a similar mix of assets.

Annual interest rates

Annual returns after tax and expenses.

12 months
ending 31 December

Growth %

Balanced %

Conservative %

Cash %

2021

13.35

8.72

2.62

0.38

2020

4.32

5.48

5.22

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