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Interested in property?
Like to invest your KiwiSaver plan into Aotearoa's favourite investment without actually having to manage a property? Now with kōura, you can.
Get started
Kia Ora ,
Before we take you back to your kōura portfolio,
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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
Why include property in your KiwiSaver plan?
Property can be a great long-term investment, delivering recurring income with the solidity of land and buildings sitting behind it.While no-one can know what the future holds, and even the most long-standing trends can change, historically property has delivered stronger returns with lower volatility than traditional equity investments (compared to NZX50 over the past 10 years).What the fund invests in
The kōura New Zealand property fund is different to other property funds in the market. We invest in companies listed on the New Zealand stock exchange that are involved in the property market.At this stage, the fund invests in the listed Real Estate Trusts and Retirement Villages, though over time the investment universe may grow.
Key risks to consider
Property is lower risk than the alternative kōura Speciality Funds. The key risks for the fund are:Higher interest ratesHigher interest rates typically result in lower property valuations as investors require higher rental incomes to support their valuations.The retirement operating modelThere is the potential that regulatory pressure changes the current operating model for Retirement Villages, particularly around the right to occupy.Any changes may meant that operators could be required to share the capital gain or reduce their deferred management fees. If this happens, the value of the Retirement Operators that the fund invests in is likely to fall.Property market riskThe fund invests exclusively in property or property related companies, therefore any fall in value in the overall New Zealand property market will result in a fall in value of the Fund.
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.
keyboard_arrow_leftkeyboard_arrow_rightAbout 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. We’re New Zealand’s most personalised KiwiSaver scheme, and the only one that gives Kiwis access to personalised advice online. We manage investments in nine funds, and partner with some of the best names in the business – Hobson Wealth for our New Zealand funds, and Blackrock for our international funds.
With low fees (almost half the industry average*), 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.
Like to see how it works? Spend just a couple of minutes with our kōura digital advice tool to see what a 100% personalised KiwiSaver plan with kōura would look like for you. It’s as easy as that.
*Based on fee differential of 0.56% for an average KiwiSaver earning $80,000 growing with inflation and invested from the ages of 30 to 65.
The freedom to take control
We offer you the freedom to make your own investment choices. You can choose between our 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 Warren Buffet and build your own portfolio of funds or you can let the kōura digital tool do the heavy lifting for you.
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%. And if you’re under 18, we’ll waive our membership fee to help get you started on your savings journey*.
*Fees excludes facilitator fees of 0.3% if you engage the services of a facilitator
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, in safe hands
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.
