# Quarterly Fund Update — smartshares (2021-Q4)

> KiwiSaver scheme **smartshares** — Quarterly Fund Update filing covering period ending **2021-12-31**.
> Source: filed with FMA Disclose register. Canonical: https://fundcompare.co.nz/filings/qfu/smartshares/2021-q4

## Funds covered

| Fund | Fees (1y) | 1y return | 3y return | 5y avg return | AUM (NZD) | Members | Growth assets |
|------|-----------|-----------|-----------|---------------|-----------|---------|---------------|
| Asia Pacific Fund | 0.59% | 5.76% | — | 7.23% | NZD $4,157,092 | 792 | — |
| Quaystreet High Growth Fund | 0.63% | 16.38% | — | 10.21% | NZD $539,509,700 | 20,428 | — |
| Superlife Age Steps - Age 50 | 0.61% | 11.61% | — | 8.36% | — | 330 | — |
| Conservative Fund | 0.57% | 3.62% | — | 4.92% | NZD $25,968,118 | 635 | — |
| Total World Fund | 0.58% | 22.34% | — | 12.35% | NZD $8,967,930 | 650 | — |
| Nz Property Fund | 0.59% | 1.33% | — | 11.94% | NZD $9,779,821 | 1,166 | — |
| Superlife Age Steps - Age 40 | 0.62% | 12.55% | — | 8.74% | — | 270 | — |
| Nz Mid Cap Fund | 0.59% | 6.47% | — | 14.36% | NZD $8,174,989 | 990 | — |
| Australian Financials Fund | 0.59% | 24.22% | — | 4.11% | NZD $2,707,861 | 380 | — |
| Ethica Fund | 0.70% | 10.35% | — | 8.47% | NZD $59,349,120 | 1,691 | — |
| Superlife Default Fund | 0.20% | — | — | — | NZD $387,221,994 | 37,508 | — |
| Castle Point 5 Oceans Fund | 1.44% | 6.99% | — | — | NZD $1,403,574 | 57 | — |
| Superlife Age Steps - Age 30 | 0.62% | 12.55% | — | 8.74% | — | 272 | — |
| Overseas Shares (Currency Hedged) Fund | 0.58% | 22.48% | — | 10.58% | NZD $22,889,640 | 2,129 | — |
| Nz Top 10 Fund | 0.59% | -5.64% | — | 11.46% | NZD $7,325,090 | 700 | — |
| Nz Dividend Fund | 0.59% | -0.07% | — | 8.12% | NZD $4,127,505 | 440 | — |
| Global Aggregate Bond Fund | 0.59% | -3.01% | — | — | NZD $316,187 | 67 | — |
| Superlife Age Steps - Age 60 | 0.60% | 8.55% | — | 6.86% | — | 337 | — |
| Quaystreet Income Fund | 0.56% | -1.74% | — | 2.49% | NZD $203,567,733 | 16,196 | — |
| US 500 Fund | 0.54% | 35.21% | — | 16.48% | NZD $28,226,946 | 1,614 | — |
| Superlife Age Steps - Age 70 | 0.58% | 5.46% | — | 5.40% | — | 63 | — |
| Growth Fund | 0.61% | 12.77% | — | 8.64% | NZD $47,412,568 | 1,238 | — |
| Australian Mid Cap Fund | 0.59% | 21.06% | — | 13.46% | NZD $31,737,101 | 1,459 | — |
| UK Cash Fund | 0.52% | 0.47% | — | 1.29% | NZD $53,875,103 | 3,747 | — |
| Balanced Fund | 0.60% | 9.17% | — | 7.39% | NZD $64,718,105 | 1,216 | — |
| Australian Shares Fund | 0.59% | 18.11% | — | 8.85% | NZD $20,762,773 | 2,177 | — |
| Australian Property Fund | 0.59% | 20.87% | — | 9.13% | NZD $1,942,617 | 322 | — |
| Global Property Fund | 0.58% | 20.25% | — | 9.09% | NZD $18,641,150 | 2,253 | — |
| US Mid Cap Fund | 0.57% | 29.46% | — | 13.67% | NZD $3,494,349 | 658 | — |
| Australian Top 20 Fund | 0.59% | 15.71% | — | 7.66% | NZD $3,211,871 | 446 | — |
| US Large Value Fund | 0.57% | 31.78% | — | 10.42% | NZD $4,941,139 | 427 | — |
| Australian Resources Fund | 0.59% | 7.60% | — | 13.10% | NZD $10,657,924 | 1,105 | — |
| Total World (Nzd Hedged) Fund | 0.58% | 19.99% | — | — | NZD $1,795,151 | 126 | — |
| Europe Fund | 0.59% | 19.92% | — | 9.01% | NZD $4,565,401 | 552 | — |
| US Small Cap Fund | 0.57% | 22.06% | — | 11.46% | NZD $4,491,777 | 716 | — |
| Overseas Non-Government Bonds Fund | 0.54% | -1.15% | — | 2.27% | NZD $17,289,861 | 2,007 | — |
| Emerging Markets Fund | 0.73% | 4.27% | — | 7.78% | NZD $18,321,208 | 2,674 | — |
| Superlife Age Steps - Age 80 | 0.56% | 0.32% | — | 2.88% | — | — | — |
| Nz Top 50 Fund | 0.59% | 0.88% | — | 13.72% | NZD $63,965,600 | 2,859 | — |
| Overseas Bonds Fund | 0.59% | -0.92% | — | 2.74% | NZD $9,498,204 | 1,577 | — |
| Nz Shares Fund | 0.59% | 0.87% | — | 9.66% | NZD $30,214,599 | 2,641 | — |
| Superlife Age Steps - Age 20 | 0.63% | 15.60% | — | 9.92% | — | 334 | — |
| Australian Dividend Fund | 0.59% | 8.16% | — | 4.02% | NZD $1,270,238 | 141 | — |
| Overseas Shares Fund | 0.58% | 24.39% | — | 12.07% | NZD $27,041,843 | 2,146 | — |
| Nz Bonds Fund | 0.54% | -2.76% | — | 2.66% | NZD $34,382,307 | 2,985 | — |

_Returns are after fees and tax at PIR 28%, sourced from the QFU PDF as filed with FMA Disclose._

## Source documents

- **Scheme-wide PDF**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_20.pdf
  - SHA-256: `a6f389259f0b5fa7…`
  - Ingested: 2026-05-15
- **Fund: age-steps-age-30**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_30.pdf
  - SHA-256: `29360ea721a574eb…`
  - Ingested: 2026-05-16
- **Fund: age-steps-age-40**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_40.pdf
  - SHA-256: `d7a28270dac7a88a…`
  - Ingested: 2026-05-16
- **Fund: age-steps-age-50**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_50.pdf
  - SHA-256: `5f41372b2ef8e5a2…`
  - Ingested: 2026-05-16
- **Fund: age-steps-age-60**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_60.pdf
  - SHA-256: `a5dc0d7a3f622e9a…`
  - Ingested: 2026-05-16
- **Fund: age-steps-age-70**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_70.pdf
  - SHA-256: `3c1e995e1b1d14db…`
  - Ingested: 2026-05-16
- **Fund: age-steps-age-80**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_80.pdf
  - SHA-256: `12ebdeab20deafe4…`
  - Ingested: 2026-05-16
- **Fund: asia-pacific**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_asia_pacific_fund.pdf
  - SHA-256: `846e14e896b5245c…`
  - Ingested: 2026-05-16
- **Fund: australian-dividend**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_australian_dividend_fund.pdf
  - SHA-256: `063a81c6683fcfba…`
  - Ingested: 2026-05-16
- **Fund: australian-financials**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_australian_financials_fund.pdf
  - SHA-256: `cda0ca611993e175…`
  - Ingested: 2026-05-16
- **Fund: australian-mid-cap**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_australian_mid_cap_fund.pdf
  - SHA-256: `cfbb615ae07aae28…`
  - Ingested: 2026-05-16
- **Fund: australian-property**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_australian_property_fund.pdf
  - SHA-256: `bb9b9652974b8dd0…`
  - Ingested: 2026-05-16
- **Fund: australian-resources**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_australian_resources_fund.pdf
  - SHA-256: `d04be81cb29a2649…`
  - Ingested: 2026-05-16
- **Fund: australian-shares**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_australian_shares_fund.pdf
  - SHA-256: `da3b2d118c779a98…`
  - Ingested: 2026-05-16
- **Fund: australian-top-20**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_australian_top_20_fund.pdf
  - SHA-256: `8409b89fcc636ca3…`
  - Ingested: 2026-05-16
- **Fund: balanced**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_balanced_fund.pdf
  - SHA-256: `cf7d8368d29b3137…`
  - Ingested: 2026-05-15
- **Fund: cash**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_nz_cash_fund.pdf
  - SHA-256: `bfb7176e41fc3401…`
  - Ingested: 2026-05-15
- **Fund: castle-point-5-oceans**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_castle_point_5_oceans_fund.pdf
  - SHA-256: `8e80686f4a1bb2e5…`
  - Ingested: 2026-05-16
- **Fund: conservative**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_conservative_fund.pdf
  - SHA-256: `fb7f59804a6b0f3e…`
  - Ingested: 2026-05-15
- **Fund: default**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_default_fund.pdf
  - SHA-256: `79af7023d3e08db7…`
  - Ingested: 2026-05-15
- **Fund: emerging**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_emerging_markets_fund.pdf
  - SHA-256: `d751ec6d6da34d6c…`
  - Ingested: 2026-05-16
- **Fund: ethica**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_ethica_fund.pdf
  - SHA-256: `7d2124ed1c07f284…`
  - Ingested: 2026-05-16
- **Fund: europe**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_europe_fund.pdf
  - SHA-256: `d808eb08378faf19…`
  - Ingested: 2026-05-16
- **Fund: global-aggregate-bond**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_global_aggregate_bond_fund.pdf
  - SHA-256: `f1e3c0615e105910…`
  - Ingested: 2026-05-16
- **Fund: global-property**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_global_property_fund.pdf
  - SHA-256: `4040549f6eca0154…`
  - Ingested: 2026-05-16
- **Fund: growth**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_growth_fund.pdf
  - SHA-256: `6693311cec51d37b…`
  - Ingested: 2026-05-15
- **Fund: high-growth**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_high_growth_fund.pdf
  - SHA-256: `e0338da46fcf13b0…`
  - Ingested: 2026-05-15
- **Fund: income**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_superlife_income_fund.pdf
  - SHA-256: `5ace62ea0185f3c0…`
  - Ingested: 2026-05-15
- **Fund: nz-bonds**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_nz_bonds_fund.pdf
  - SHA-256: `b16b64cdc5fe4c11…`
  - Ingested: 2026-05-16
- **Fund: nz-dividend**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_nz_dividend_fund.pdf
  - SHA-256: `d689e2cafdad8ce7…`
  - Ingested: 2026-05-16
- **Fund: nz-mid-cap**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_nz_mid_cap_fund.pdf
  - SHA-256: `f07f07a6de9b6ee4…`
  - Ingested: 2026-05-16
- **Fund: nz-property**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_nz_property_fund.pdf
  - SHA-256: `71179a7812e870e7…`
  - Ingested: 2026-05-16
- **Fund: nz-shares**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_nz_shares_fund.pdf
  - SHA-256: `df0f763e14763a24…`
  - Ingested: 2026-05-16
- **Fund: nz-top-10**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_nz_top_10_fund.pdf
  - SHA-256: `578d908f2be969ef…`
  - Ingested: 2026-05-16
- **Fund: nz-top-50**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_nz_top_50_fund.pdf
  - SHA-256: `d0d1cadea37d5ffe…`
  - Ingested: 2026-05-16
- **Fund: overseas-bonds**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_overseas_bonds_fund.pdf
  - SHA-256: `31355304f239e759…`
  - Ingested: 2026-05-16
- **Fund: overseas-non-government-bonds**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_overseas_non-government_bonds_fund.pdf
  - SHA-256: `767462a8c611eaea…`
  - Ingested: 2026-05-16
- **Fund: overseas-shares**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_overseas_shares_fund.pdf
  - SHA-256: `e3b2b17104cb09a0…`
  - Ingested: 2026-05-16
- **Fund: overseas-shares-currency-hedged**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_overseas_shares_(currency_hedged)_fund.pdf
  - SHA-256: `23956266c62097bf…`
  - Ingested: 2026-05-16
- **Fund: s-p-asx-200**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_s_p_asx_200_fund.pdf
  - SHA-256: `4a236cfc3100f4ed…`
  - Ingested: 2026-05-16
- **Fund: s-p-nzx-50**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_s_p_nzx_50_fund.pdf
  - SHA-256: `58cabbd3eb155728…`
  - Ingested: 2026-05-16
- **Fund: s-p-nzx-nz-government-bond**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_s_p_nzx_nz_government_bond_fund.pdf
  - SHA-256: `fa7f531de8b08428…`
  - Ingested: 2026-05-16
- **Fund: total-world**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_total_world_fund.pdf
  - SHA-256: `d5a2b951626fe14f…`
  - Ingested: 2026-05-16
- **Fund: total-world-nzd-hedged**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_total_world_nzd_hedged_fund.pdf
  - SHA-256: `ac0a953db8b1dbfb…`
  - Ingested: 2026-05-16
- **Fund: us-500**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_us_500_fund.pdf
  - SHA-256: `abae363b10ef64c5…`
  - Ingested: 2026-05-16
- **Fund: us-large-value**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_us_large_value_fund.pdf
  - SHA-256: `d2a07107d4e112b5…`
  - Ingested: 2026-05-16
- **Fund: us-mid-cap**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_us_mid_cap_fund.pdf
  - SHA-256: `47fee8d7be5cf807…`
  - Ingested: 2026-05-16
- **Fund: us-small-cap**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2021-Dec/superlife%20kiwisaver%20scheme%20fund%20update_us_small_cap_fund.pdf
  - SHA-256: `d0c5e2788b2640a6…`
  - Ingested: 2026-05-16

## Data sources

- FMA Disclose register — https://disclose-register.companiesoffice.govt.nz/
- IRD KiwiSaver — https://www.ird.govt.nz/kiwisaver
- Sorted Fund Finder — https://fundfinder.sorted.org.nz/

## Machine-readable surface

- Facts JSON: https://fundcompare.co.nz/api/qfu/smartshares/2021-q4/facts.json
- Crawlable HTML: https://fundcompare.co.nz/filings/qfu/smartshares/2021-q4

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This is an informational summary published by FundCompare NZ (https://fundcompare.co.nz) using publicly available data from the FMA Disclose register, IRD KiwiSaver, and Sorted Fund Finder. It does not constitute financial advice. FundCompare NZ is not a licensed Financial Advice Provider. Past performance is not indicative of future results — read each scheme's Product Disclosure Statement and consult a licensed financial adviser before making any decision. KiwiSaver® is a registered trademark of Inland Revenue.