QUAYSTREET KIWISAVER SCHEME
Quaystreet Income Fund
Returns
3.06%
Five Year Average Return
Returns (green) show the fund’s growth over the five years to 30 June 2025, after fees and taxes. Compare these results with the average Defensive KiwiSaver fund (light green).
Fees
0.87%
One Year Average Fees
Fees shown here (blue) represent what you would pay over a year if you had $30,000 invested in this fund. Compare them with the average fees for Defensive KiwiSaver funds (light blue).
Asset Mix
The fund’s mix of growth assets (shares, property) and income assets (bonds, cash) as of 30 June 2025. The average mix for aggressive KiwiSaver funds is shown in light blue.
Key Takeaways
Here’s the provider’s overview of the managed fund:
“ The QuayStreet Income Fund will invest in a diversified portfolio with an emphasis on income producing assets such as New Zealand and International fixed interest investments and derivatives. The fund may include an allocation to growth assets. The investment objective is to provide a level of return above the fund's benchmark over the long term. The fund aims to make quarterly distributions. ”
When can I get my money out?
This is a KiwiSaver fund, which means generally you can withdraw only to purchase a first home, after the age of 65 or in cases of financial hardship.
Asset mix
This fund's asset mix
Average for Defensive funds
Your investment mix shapes your outcome
The balance of assets you choose — your asset allocation, has the biggest impact on how your investments perform and how much their value may rise or fall along the way. Selecting that balance is crucial. By adjusting the proportion of growth-oriented investments you include, you’re effectively setting your preferred level of risk. Generally, taking on more risk can increase the potential for higher returns, but there’s never a guarantee — that’s the nature of risk. To find an allocation suited to your personal circumstances (sometimes called your risk profile), you can start with an investor risk questionnaire or a KiwiSaver-specific guide.
Top 10 investments
These assets make up 30.45% of this fund.
| Asset | Asset Class | Type | Country | % of Fund |
|---|---|---|---|---|
| CHORUS (DEC 2028) | Bonds | New Zealand fixed interest | NZ | 3.91% |
| KIWIBANK AU (OCT 2027) | Bonds | New Zealand fixed interest | NZ | 3.87% |
| AUSTRALIAN GAS NETWORKS INFLATION LINKED (AUG 2025) | Bonds | International fixed interest | AU | 3.69% |
| GOODMAN PROPERTY TRUST (SEP 2028) | Bonds | New Zealand fixed interest | NZ | 3.66% |
| LEND LEASE (MAY 2026) | Bonds | International fixed interest | AU | 2.97% |
| ASB SUBORDINATED NOTES (JUNE 2032) | Bonds | New Zealand fixed interest | NZ | 2.95% |
| CHANNEL INFRASTRUCTURE NZ (MAY 2027) | Bonds | New Zealand fixed interest | NZ | 2.53% |
| NZ GOVT INFLATION LINKED (SEP 2040) | Bonds | New Zealand fixed interest | NZ | 2.51% |
| AIR NEW ZEALAND (MAY 2026) | Bonds | New Zealand fixed interest | NZ | 2.19% |
| PROPERTY FOR INDUSTRY (OCT 2025) | Bonds | New Zealand fixed interest | NZ | 2.17% |
Fees
0.87%
This Fund
0.58%
Average Defensive Kiwisaver funds
The blue segment shows the annual fees you’d pay if you invested $30,000 in this fund. The grey segment represents the typical yearly fees for an average Defensive KiwiSaver fund, so you can compare them directly.
Smaller Fees, Bigger Potential
When it comes to investing, spending more doesn’t automatically lead to stronger results. In fact, higher fund fees can often eat into your returns. Remember, what you keep is calculated after fees and taxes are deducted. Because no one can predict how any fund will perform, it’s generally wise to look for options with lower costs whenever you can.
Fees breakdown
| Fee Type | % Over a year | Amount paid on a 30k balance |
|---|---|---|
| Management This fee is charged to you by the fund manager on the fund or an underlying fund, and is based on a percentage of your balance. | 0.64% Average: 0.47% | $192.00 Average: $141.79 |
| Other This is a summary of other potential costs not covered in the categories displayed. | 0.13% Average: 0.05% | $39.00 Average: $15.28 |
| Performance-based These fees are based on the performance of the fund or underlying fund. When the fund performs well, these will be higher. | N/A Average: 0.00% | $0.00 Average: $0.00 |
| Membership You pay this membership charge (a flat fee) each year, regardless of your balance or the fund's performance. | 0.10% Average: 0.05% | $30.00 Average: $15.54 |
| Total combined fees These are a total of management and administration charges and performance-based fees over a year. They do not necessarily include fees for activities like transferring or withdrawing. | 0.87% Average: 0.58% | $261.00 Average: $172.61 |
Returns
3.06%
This Fund
1.53%
Average Defensive Kiwisaver funds
Over the past five years, this fund delivered the average annual return shown here (in green) to investors, after fees and taxes (28% PIR) were applied. For comparison, the average return over the same period for all Defensive KiwiSaver funds is shown in grey.
Returns: Reflecting the Past
Investing is about seeking returns, but the figures shown here represent historical performance—they cannot be relied upon to continue in the future. Selecting a fund solely based on past performance is not advisable. A well-informed decision should consider factors such as an appropriate investment mix for your goals and reasonable fees.
Risks
Risk indicator
This indicator reflects how much the investment’s value has fluctuated over time. It is calculated from the fund’s five-year performance, or from a comparable market index if the fund has a shorter history.
Additional details
Manager information
| Name | CIP INVESTMENT MANAGEMENT LIMITED |
| Type | NZ Limited Company |
| Website | |
| NZBN | 9429033184531 |
| FSP Number | FSP40150 |
Fund information
| Asset liquidity ratio | 100.00% |
| Total value of fund | $487858 |
| Debt ratio | 0.06% |
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