QuayStreet KiwiSaver

Are you looking for an investment provider that will hold the reins of your retirement savings? Look no further than QuayStreet Asset Management, a boutique asset management firm under the wing of Craigs Investment Partners. With an active fund management approach and a unique Customised Fund Allocations feature, they offer six various-asset managed funds that span the full risk spectrum – from low to high. With a focus on providing outperformance with reasonable fees, QuayStreet offers KiwiSavers an attractive alternative when it comes to retirement savings. Get up to speed with the risks, returns, and fees that come with QuayStreet KiwiSaver and decide if they’re the right partner for your retirement savings.

1. Unveiling QuayStreet KiwiSaver: Who They Are and What They Offer
2. Breaking Down QuayStreet’s Fund Choices: From Low-Risk Fixed-Interest to High-Risk Shares
3. Customise Your KiwiSaver Investment: QuayStreet’s Unique Allocation Feature
4. Actively Managed Funds: Exploring QuayStreet’s Investment Philosophy and Approach
5. Investigating Fund Performances: How QuayStreet Funds Fare in Comparison
6. Decoding Fees: The Two Types of Fees You’ll Pay with QuayStreet KiwiSaver
7. The Allure of Socially Responsible Investing: QuayStreet’s Ethical Investment Fund
8. Pros, Cons, and Standout Features: Assessing QuayStreet as a KiwiSaver Provider
9. Making an Informed Decision: Factors to Consider and MoneyHub’s Review of QuayStreet KiwiSaver
10. Conclusion: Is QuayStreet KiwiSaver the Right Choice for Your Retirement Savings?
    

    Unveiling QuayStreet KiwiSaver: Who They Are and What They Offer

Meet QuayStreet Asset Management, a boutique investment firm under the wing of Craigs Investment Partners, one of New Zealand’s largest investment advisory firms. QuayStreet offers an array of active, various-asset managed funds to KiwiSaver investors – enough to tickle the fancy of everyone from conservative types to those willing to take on higher risks.

But does the QuayStreet KiwiSaver live up to its claim of delivering outperformance, and at what cost? Let’s dig in, shall we?

Breaking Down QuayStreet’s Fund Choices: From Low-Risk Fixed-Interest to High-Risk Shares

At the heart of QuayStreet’s KiwiSaver offerings are six KiwiSaver funds, which cater to different risk profiles:

1. CashPlus Fund – Ideal for the cautious investor, it targets capital preservation while providing a modest return on investment.
2. Fixed Interest Fund – A low-risk choice for investors willing to step up from cash-only investments for the potential of slightly higher returns.
3. Balanced Fund – Striking the sweet spot between risk and reward, this medium-risk option is a mix of fixed interest, shares, and cash.
4. Growth Fund – Skewing towards growth assets, this moderate-risk fund is for investors with a longer investment horizon.
5. Australian Equities Fund – With its eye on long-term capital growth, this high-risk option invests mainly in Australian shares.
6. New Zealand Equities Fund – Another high-risk option, this fund focuses solely on New Zealand-based companies.

Customise Your KiwiSaver Investment: QuayStreet’s Unique Allocation Feature

But wait, there’s more! QuayStreet offers a unique feature that allows you to carve out your own KiwiSaver investment strategy. With the Customised Fund Allocations feature, you can splice and dice up to three different funds based on your preferred ratio, so you can call the shots on your investment strategy.

Actively Managed Funds: Exploring QuayStreet’s Investment Philosophy and Approach

QuayStreet isn’t your run-of-the-mill passive fund manager that simply tracks financial indices – no siree! Their actively managed approach means they’re on a constant hunt for the best opportunities to grow your money. They do this by actively tracking market trends and analysing securities, so they can dart in-and-out of investments like ninjas when the time is ripe.

Investigating Fund Performances: How QuayStreet Funds Fare in Comparison

But does this active approach pay off? The verdict is a mixed bag. While some QuayStreet funds have managed to outperform their respective benchmarks, others haven’t fared quite as well. As with all investment providers, past performance is no iron-clad guarantee for future gains. So, as a savvy investor, perform your due diligence by periodically reviewing QuayStreet’s fund performances and comparing them to other KiwiSaver providers.

Decoding Fees: The Two Types of Fees You’ll Pay with QuayStreet KiwiSaver

Ah, the cost of doing business. With QuayStreet, you’ll pay two types of fees—annual fund charges and member fees. The former is a percentage of your investment, which varies depending on the fund. The latter is a flat rate of NZD 30 per year per member. While QuayStreet’s annual fees are a bit more expensive than the passive index-tracking fund providers, they’re competitive in the world of active fund management.

The Allure of Socially Responsible Investing: QuayStreet’s Ethical Investment Fund

Got a conscience longer than your arm? QuayStreet’s got your back with their Ethical Investment Fund. This fund dodges investments in industries that negatively impact society or the environment, such as weapons, tobacco, and gambling. While it’s separate from their core KiwiSaver offering, it might be worth investigating if you want to mix-and-match your investment strategy whilst maintaining a clear conscience.

Pros, Cons, and Standout Features: Assessing QuayStreet as a KiwiSaver Provider

Pros

• Unblemished reputation backed by the established and well-respected Craigs Investment Partners.
• A wide variety of six KiwiSaver funds covering the full risk spectrum.
• Customised Fund Allocation feature for a tailored investment experience.
• Active fund management approach.

Cons

• No guarantees on fund performance.
• Fees can be on the higher side compared to passive funds.

Standout Features

• Customised Fund Allocation feature.
• Ethical Investment Fund.

Making an Informed Decision: Factors to Consider and MoneyHub’s Review of QuayStreet KiwiSaver

MoneyHub, an independent New Zealand comparison and review site, praises QuayStreet’s unique Customised Fund Allocation and its alignment with Craigs Investment Partners, but suggests that their fees may be a point of concern. It’s important to weigh QuayStreet’s investment approach, fees, and fund performances when making your decision.

Conclusion: Is QuayStreet KiwiSaver the Right Choice for Your Retirement Savings?

Ultimately, QuayStreet is an attractive KiwiSaver provider if you want an active fund manager with diverse fund options and customisation features, and are willing to pay for it. However, as a prudent investor, do your homework by comparing providers and keeping an eye on your fund’s performance. Choosing the right KiwiSaver provider is a crucial part of taking control of your retirement savings, so give yourself credit for learning about the options and making an informed decision. Cheers to a secure future!

Conclusion: Is QuayStreet KiwiSaver the Right Choice for Your Retirement Savings?

In the final analysis, QuayStreet presents an alluring option if you’re seeking an actively managed KiwiSaver provider with a wide array of funds and customisation features – and are prepared to pay somewhat higher fees for the service. Nonetheless, savvy investors should perform their due diligence by comparing providers and keeping a watchful eye on their fund’s performance. Selecting the most suitable KiwiSaver provider is a pivotal component of taking charge of your retirement savings, so congratulate yourself for exploring the alternatives and making an informed decision. Here’s to a secure future!

Next Steps for the Reader

1. Evaluate your investment goals and risk tolerance: Consider factors such as your investment horizon, risk appetite, and financial objectives when deciding which fund is best for you.
2. Research and compare KiwiSaver providers: Don’t just settle for QuayStreet without investigating other options. Explore various KiwiSaver providers, their funds, fees, investment approaches, and performance.
3. Consult with a financial adviser: If you feel uncertain about your choice, seek professional advice to ensure you make the best decision for your future financial security.
4. Monitor your fund’s performance: Whichever provider you choose, remember that past performance isn’t necessarily an indication of future returns. Keep an eye on how your fund performs, and make adjustments if necessary.
5. Re-evaluate your investment strategy: As life and circumstances change, so might your financial goals and risk tolerance. Regularly reassess your KiwiSaver investment to ensure it aligns with your current situation and future plans.

By following these steps, you’ll be