Specialty Funds
Specialty Funds
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Choose Choice
We don't believe in making five million Kiwis fit into just three KiwiSaver fund types. At kōura, we offer you the freedom to make your own investment choices. Feeling hemmed in by your KiwiSaver plan? Take control today.
Build your personalised KiwiSaver plan
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Investing - it's personal
We offer investors nine different funds, which we (or you) combine to develop your personalised portfolio: a plan that's purpose-fit and personalised to you.
You can build your personalised KiwiSaver plan yourself, or you can let the kōura digital advice tool build a plan for you.
You can build your personalised KiwiSaver plan yourself, or you can let the kōura digital advice tool do the heavy lifting.
Core & Specialty Funds
Build your personalised plan with your choice of our Core Growth Funds (different global equity exposures), our Core Income Funds (Fixed Income and Cash), or our Specialty Growth Funds (Clean Energy, Cryptocurrency, or Property).
You can pretend to be a regular old Warren Buffet and build your own portfolio of funds, or you can let the kōura digital tool do the heavy lifting for you - it's your choice.
Investing in the new specialty funds involves higher risk than other koura funds. In particular, investing in cryptocurrencies carries a significant amount of risk and volatility of returns. These funds are not suitable for all investors.
Build your personalised KiwiSaver plan
Before we take you back to your kōura portfolio,
for security purposes please confirm some of your details:
Oops sorry ,
the details you’ve entered are different to the first time you filled out the kōura calculator.
For security reasons that means you’ll either have to re-enter all of your details in the advice calculator again...
OR simply click the big button in your latest email from us which will return to your portfolio.
Cheers! Kōura
Carbon Neutral Cryptocurrency Fund
The not-so-new-kid on-the-block, Crypto is an increasingly interesting asset class for KiwiSaver investors to consider. With kōura, you can invest up to 10% of your KiwiSaver plan in our Carbon Neutral Crypto Currency Fund.
But, crypto currencies are not for everyone. Investing in crypto currencies carries a significant amount of risk and volatility of returns. Before investing in crypto currencies, it is important that you have a clear understanding of the associated risks.
NZ Property Fund
Like to invest your KiwiSaver plan into Aotearoa's arguably favourite investment without actually having to manage a property? Now with kōura, you can.
Property can be a great long-term investment, delivering recurring income with the solidity of land and buildings sitting behind it. The kōura New Zealand Property Fund invests in companies listed on the New Zealand stock exchange that are involved in the property market, including Retirement operators and Real Estate Investment Trusts.
The kōura New Zealand Property Fund invests in companies listed on the New Zealand stock exchange, including Retirement operators and Real Estate Investment Trusts.
Clean Energy Fund
Like to invest in a brighter future for the planet? With kōura, you can invest your KiwiSaver plan in companies that are helping realise that transition, for a more sustainable world.
The kōura Clean Energy Fund invests in a managed fund that is listed in the US and invests in companies in the following industries: Advanced Materials; Energy Intelligence; Renewable Electricity Generation & Renewable Fuels; Energy Storage & Conversion.
Investing in the kōura Clean Energy Fund carries a significant amount of risk and volatility of returns. It is not suitable for all investors. Before investing in the Clean Energy Fund, it is important that you have a clear understanding of the associated risks.
The kōura Clean Energy Fund invests in a managed fund that is listed in the US. Investing in the Clean Energy fund carries a significant amount of risk and volatility of returns than other traditional KiwiSaver funds and is not suitable for all investors. Before investing in the Clean Energy Fund, it is important that you have a clear understanding of the associated risks.
Choice and freedom, with kōura
Low Fees
kōura's core funds are half the price of the average KiwiSaver growth fund - lower fees typically means more money for you.
You choose
We have nine funds - from traditional equities funds all the way to crypto currency - you make your own choices.
Ethical Investing
We all need to do our bit to ensure we live in a sustainable world. At kōura, we only invest in the things that we, and you, can be proud of.
On track always
With traditional KiwiSaver schemes, you invest and hope for the best. But kōura’s smart technology looks out for you - and the road ahead.
About kōura
You’re unique and so are your KiwiSaver goals. So it makes sense that your KiwiSaver plan should be 100% personalised to you and your needs. And that, in a nutshell, is why we created the kōura KiwiSaver Scheme and digital advice tool.
We opened our ‘digital doors’ in 2019 and today have over $30m funds under management. In our opinion , we’re New Zealand’s most personalised KiwiSaver scheme. We offer nine KiwiSaver funds, and partner with some of the best names in the business – Hobson Wealth for our New Zealand funds, Blackrock for our core international growth funds and Fidelity for our Cryptocurrency fund.
With low fees (almost half the industry average growth fund*), robust ethical and sustainable investment rules, exceptional digital advice tools, and unparalleled choice, kōura was born to give Kiwis more control over their KiwiSaver plan: to save smart today for a better tomorrow.
*Source: Morningstar (Q4 2021 KiwiSaver Review)
The freedom to take control
We offer you the freedom to make your own investment choices. You can choose between our Core Growth Funds (different global equity exposures), our Core Income Funds (Fixed Income and Cash), or our Specialty Growth Funds (Clean Energy, Cryptocurrency, or Property).
You can pretend to be a regular Warren Buffet and build your own portfolio of funds, or you can let the kōura digital tool do the heavy lifting for you - it's your choice.
Lower fees, so you have more
The more you pay in fees, the harder your KiwiSaver has to work to give you the retirement you expect.
At 0.63%, the kōura core fund fees are half the industry average growth fund. For our specialty funds, the fees are still a paltry 1.1%. For a client that invests in all of our specialty funds, they will still only pay 0.67%**. And if you’re under 18, we’ll waive our membership fee to help get you started on your savings journey*.
*Fees exclude facilitator fees of 0.3% if you engage the services of a facilitator
**Based on a client taking the recommended allocation of 3% of a growth portfolio (8.1% in totality). If a client maximises their allocation to specialty funds (30% in totality) they will pay 0.77% of their balance as the annual fees.
Sustainable and ethical investments you can feel good about
We’re big believers in ESG (Environmental, Social, and Governance) investing, and take it into consideration all of our investment decisions.
We use a two-step process for choosing investments: First, we completely avoid the nastiest industries (and then we only pick the most sustainable and ethical of the remaining companies. What’s more, we also take into account companies' behaviours when choosing whether to invest.
We all need to do our bit to ensure we live in a sustainable world. We only invest in the things that we, and you, can be proud of.
Your savings, invested with the best
When you trust kōura with your KiwiSaver savings, you’re also trusting some of the biggest and best names in the business. We invest our core international growth funds into BlackRock funds (the world’s largest fund managers) and we build our domestic funds with the assistance of Hobson Wealth (one of New Zealand’s largest wealth managers) and our crypto currency fund is built with Fidelity (the worlds fourth largest asset manager).
We work with the industry’s best, to deliver the best outcomes for you.
