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 23/09/2021
Growth $1.2323
Balanced $1.1876
Conservative $1.0972
Cash $1.0174

Compare current and historical unit prices

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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.

2021 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. Returns in brackets are negative.

Period

Growth %

Balanced %

Conservative %

Cash %

Period

January 2021

Growth %

(0.23)

Balanced %

(0.22)

Conservative %

(0.20)

Cash %

0.03

Period

February 2021

Growth %

0.81

Balanced %

0.12

Conservative %

(0.57)

Cash %

0.03

Period

March 2021

Growth %

4.13

Balanced %

2.91

Conservative %

1.09

Cash %

0.03

Period

April 2021

Growth %

2.17

Balanced %

1.55

Conservative %

0.65

Cash %

0.03

Period

May 2021

Growth %

0.25

Balanced %

0.17

Conservative %

0.17

Cash %

0.04

Period

June 2021

Growth %

2.04

Balanced %

1.56

Conservative %

0.69

Cash %

0.03

Period

July 2021

Growth %

0.62

Balanced %

0.70

Conservative %

0.65

Cash %

0.00

Period

August 2021

Growth %

1.64

Balanced %

1.14

Conservative %

0.35

Cash %

0.05

Period

Year to date

Growth %

11.93

Balanced %

8.16

Conservative %

2.86

Cash %

0.24

Peer performance: UniSaver vs KiwiSaver

These graphs compare returns from our three main investment options with median returns from comparable funds in the Mercer 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 investment returns

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

(after tax and expenses)

12 months
ending 31 December

Growth %

Balanced %

Conservative %

Cash %

12 months
ending 31 December

2020

Growth %

4.32

Balanced %

5.48

Conservative %

5.22

Cash %

0.78

12 months
ending 31 December

2019

Growth %

20.44

Balanced %

15.31

Conservative %

7.82

Cash %

1.50

12 months
ending 31 December

2018

Growth %

(6.42)

Balanced %

(4.08)

Conservative %

(0.47)

Cash %

1.69

12 months
ending 31 December

2017

Growth %

17.35

Balanced %

13.09

Conservative %

6.69

Cash %

1.75

12 months
ending 31 December

2016

Growth %

5.66

Balanced %

5.27

Conservative %

4.02

Cash %

1.86

12 months
ending 31 December

2015

Growth %

7.29

Balanced %

5.83

Conservative %

4.54

Cash %

2.42

12 months
ending 31 December

2014

Growth %

12.34

Balanced %

10.24

Conservative %

7.37

Cash %

2.70

12 months
ending 31 December

2013

Growth %

16.27

Balanced %

11.41

Conservative %

7.17

Cash %

2.20

12 months
ending 31 December

2012

Growth %

15.81

Balanced %

12.81

Conservative %

8.77

Cash %

2.31

12 months
ending 31 December

2011

Growth %

(2.59)

Balanced %

(0.25)

Conservative %

1.56

Cash %

2.64

12 months
ending 31 December

2010

Growth %

6.46

Balanced %

5.74

Conservative %

4.22

Cash %

2.30