Our Funds

OUR FUNDS

What can you invest in?

kōura offers investors nine different funds, which we combine to develop your personalised portfolio. All our funds are passive, meaning you can invest in thousands of underlying companies and securities.

Our passive strategy means that you are investing in the broader markets, you are not relying on kōura to pick individual stocks for you. Your investment will move in line with the market that your fund has been designed to track.

kōura invests all of its international funds exclusively into passive funds managed by the world’s largest fund managers.

kōura invests its Fixed Income and NZ Equities funds directly with the assistance of our strategic partner Hobson Wealth partners. Hobson Wealth Partners is one of New Zealand’s largest wealth managers and trusted by thousands of clients. So a great partner for kōura.

 

A quick note about the returns and fees seen in this section

Fund returns displayed here are for illustrative purposes only. When assessing Fund Performance, you should typically look at longer term returns, but the kōura Core Funds have only been in existence since October 2019 and the kōura Specialty Funds have only been in existence since May 2022 - so we are unable to provide longer returns.  And always remember, that past performance is not necessarily an indicator of future performance. 

The fund costs shown below excludes the facilitator fee of 0.3% (for clients who use the services of a facilitator) and the $30 annual administration fee (charged to all members over the age of 18).

 

Core Growth Funds

These are four different funds that are made up of higher risk, higher return funds invested in shares and other equities. These funds are intended to provide good long term growth, but may experience periods of significant volatility. 

Core Growth Funds
NZ Equities Fund
3 years returns1,4
-1.69%
Fees2
0.63%
Risk
5/7

Provides investors exposure to the New Zealand share market

Core Growth Funds
US Equities Fund
3 years returns1,4
9.14%
Fees2
0.63%
Risk
6/7

Provides exposure to the US stock market

Core Growth Funds
Emerging Markets Fund
3 years returns1,4
0.24%
Fees2
0.63%
Risk
6/7

Provide investors exposure to emerging markets including Eastern Europe, the Middle East, South America, Africa and Asia including China

Core Growth Funds
Rest of the World Fund
3 years returns1,4
7.26%
Fees2
0.63%
Risk
6/7

Provide investors exposure to share markets excluding the US, including those of Europe, Australasia, Singapore, Hong Kong, Japan, and Israel

1. Fund returns as at Apr 30, 2024 and are calculated after fees and before tax, returns over 1 year are annualised.
2. Excludes $30 annual fund administration fee and 0.3% facilitator fee for clients who use the services of a facilitator.
3. Past performance is not necessarily an indicator of future performance and return periods may differ.
4. Inception date for Core Funds was 23 October 2019, Inception date for Specialty Funds was 23 May 2022.

Core Income Funds

These are lower risk investment funds that are appropriate for investors who are close to retirement or purchasing their first home or alternatively used as a diversification tool to reduce the volatility of a broader portfolio.

Income funds typically deliver lower returns, though will have a lower likelihood (though it can still happen) of incurring a loss.

Core Income Funds
Cash Fund
3 years returns1,4
2.96%
Fees2
0.63%
Risk
1/7

Invests in bank products, term deposits and short dated money market instruments to provide a high degree of liquidity to investors.

Core Income Funds
Fixed Interest Fund
3 years returns1,4
-0.61%
Fees2
0.63%
Risk
3/7

Fixed Interest Fund Provide investors exposure to the New Zealand corporate and government bond markets.

1. Fund returns as at Apr 30, 2024 and are calculated after fees and before tax, returns over 1 year are annualised.
2. Excludes $30 annual fund administration fee and 0.3% facilitator fee for clients who use the services of a facilitator.
3. Past performance is not necessarily an indicator of future performance and return periods may differ.
4. Inception date for Core Funds was 23 October 2019, Inception date for Specialty Funds was 23 May 2022.

Specialty Growth Funds

These funds have the potential for high returns but can also be very high risk. Given the very high risk profile, a Specialty Fund is typically given a small allocation in a broader portfolio. You will be limited to investing a maximum of 10% of your investment in each Specialty Fund.

Specialty Growth Funds
Property Fund
1 year returns1,4
-0.30%
Fees2
1.1%
Risk
5/7

Property Fund provides investors with exposure to the New Zealand property market.

Specialty Growth Funds
Clean Energy Fund
1 year returns1,4
-24.50%
Fees2
1.1%
Risk
7/7

Provides investors exposure to companies exposed to the transition to clean energy.

Specialty Growth Funds
Carbon Neutral Cryptocurrency Fund
1 year returns1,4
105.98%
Fees2
1.1%
Risk
7/7

The fund provides investors exposure to Bitcoin. This is a high risk fund that only invests in Bitcoin, therefore it does not have the diversification benefits that other traditional KiwiSaver funds might have. This fund is only appropriate for investors that are willing to take on the extra risk and hold the investments for the longer term.

1. Fund returns as at Apr 30, 2024 and are calculated after fees and before tax, returns over 1 year are annualised.
2. Excludes $30 annual fund administration fee and 0.3% facilitator fee for clients who use the services of a facilitator.
3. Past performance is not necessarily an indicator of future performance and return periods may differ.
4. Inception date for Core Funds was 23 October 2019, Inception date for Specialty Funds was 23 May 2022.

kōura Fund Performance

Core Growth Funds Since Inception1,2 1 Yr Returns2 3 Yr Returns2 FUND COST3
Core Growth Funds
Since Inception1,2 1 Yr Returns1,2 3 Yr Returns1,2 FUND COST3
2.22% -1.08% -1.69% 0.63%
Since Inception1,2 1 Yr Returns1,2 3 Yr Returns1,2 FUND COST3
12.43% 30.40% 9.14% 0.63%
Since Inception1,2 1 Yr Returns1,2 3 Yr Returns1,2 FUND COST3
4.00% 8.09% 0.24% 0.63%
Since Inception1,2 1 Yr Returns1,2 3 Yr Returns1,2 FUND COST3
6.58% 15.48% 7.26% 0.63%
Core Income Funds
Since Inception1,2 1 Yr Returns1,2 3 Yr Returns1,2 FUND COST3
2.04% 4.98% 2.96% 0.63%
Since Inception1,2 1 Yr Returns1,2 3 Yr Returns1,2 FUND COST3
-0.04% 3.73% -0.61% 0.63%
Specialty Growth Funds
Since Inception1,2 1 Yr Returns1,2 3 Yr Returns1,2 FUND COST3
-9.81% -0.30% --% 1.1%
Since Inception1,2 1 Yr Returns1,2 3 Yr Returns1,2 FUND COST3
-17.13% -24.50% --% 1.1%
Since Inception1,2 1 Yr Returns1,2 3 Yr Returns1,2 FUND COST3
46.88% 105.98% --% 1.1%
1. Inception date for Core Funds was 23 October 2019, Inception date for Specialty Funds was 23 May 2022.
2. Fund returns as at Apr 30, 2024 and are calculated after fees and before tax, returns over 1 year are annualised.
3. Excludes $30 annual fund administration fee and 0.3% facilitator fee for clients who use the services of a facilitator.

Past performance is not necessarily an indicator of future performance and return periods may differ.

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