# Quarterly Fund Update — smartshares (2025-Q3)

> KiwiSaver scheme **smartshares** — Quarterly Fund Update filing covering period ending **2025-09-30**.
> Source: filed with FMA Disclose register. Canonical: https://fundcompare.co.nz/filings/qfu/smartshares/2025-q3

## Funds covered

| Fund | Fees (1y) | 1y return | 3y return | 5y avg return | AUM (NZD) | Members | Growth assets |
|------|-----------|-----------|-----------|---------------|-----------|---------|---------------|
| Asia Pacific Fund | 0.59% | 23.94% | — | 8.97% | NZD $8,736,063 | 955 | — |
| Quaystreet High Growth Fund | 0.63% | 15.71% | — | 10.42% | NZD $767,073,710 | 20,652 | — |
| Superlife Age Steps - Age 50 | 0.61% | 12.21% | — | 7.85% | — | 307 | — |
| Conservative Fund | 0.57% | 6.48% | — | 3.49% | NZD $34,334,481 | 681 | — |
| Total World Fund | 0.58% | 26.27% | — | 14.32% | NZD $27,363,410 | 1,156 | — |
| Nz Property Fund | 0.59% | 14.06% | — | 0.16% | NZD $9,288,749 | 998 | — |
| Superlife Age Steps - Age 40 | 0.62% | 12.91% | — | 8.36% | — | 315 | — |
| Nz Mid Cap Fund | 0.59% | 16.87% | — | 3.62% | NZD $7,638,536 | 799 | — |
| Australian Financials Fund | 0.59% | 24.11% | — | 20.71% | NZD $15,521,293 | 996 | — |
| Ethica Fund | 0.70% | 9.87% | — | 6.71% | NZD $74,716,794 | 1,474 | — |
| Superlife Default Fund | 0.20% | 8.58% | — | — | NZD $721,144,272 | 55,824 | — |
| Castle Point 5 Oceans Fund | 1.28% | 8.26% | — | 4.49% | NZD $915,407 | 63 | — |
| Superlife Age Steps - Age 30 | 0.62% | 12.91% | — | 8.36% | — | 289 | — |
| Overseas Shares (Currency Hedged) Fund | 0.58% | 18.35% | — | 13.71% | NZD $30,949,917 | 1,695 | — |
| Nz Top 10 Fund | 0.59% | -0.08% | — | 0.72% | NZD $5,281,322 | 415 | — |
| Nz Dividend Fund | 0.59% | 19.56% | — | 5.74% | NZD $3,761,326 | 337 | — |
| Global Aggregate Bond Fund | 0.59% | 0.22% | — | -2.02% | NZD $1,091,471 | 99 | — |
| Superlife Age Steps - Age 60 | 0.60% | 9.86% | — | 6.10% | — | 279 | — |
| Quaystreet Income Fund | 0.56% | 2.01% | — | 0.18% | NZD $272,658,411 | 15,875 | — |
| US 500 Fund | 0.54% | 26.48% | — | 17.36% | NZD $111,091,096 | 3,270 | — |
| Superlife Age Steps - Age 70 | 0.58% | 7.40% | — | 4.29% | — | 69 | — |
| Growth Fund | 0.61% | 13.00% | — | 8.45% | NZD $79,966,828 | 1,623 | — |
| Australian Mid Cap Fund | 0.59% | 22.39% | — | 13.54% | NZD $34,181,174 | 1,467 | — |
| UK Cash Fund | 0.52% | 2.77% | — | 2.28% | NZD $67,446,296 | 3,181 | — |
| Balanced Fund | 0.60% | 10.62% | — | 6.45% | NZD $81,735,504 | 1,347 | — |
| Australian Shares Fund | 0.59% | 11.48% | — | 12.59% | NZD $23,891,669 | 1,690 | — |
| Australian Property Fund | 0.59% | 11.27% | — | 7.74% | NZD $3,868,599 | 528 | — |
| Global Property Fund | 0.58% | 3.75% | — | 3.90% | NZD $16,713,794 | 1,662 | — |
| US Mid Cap Fund | 0.57% | 20.80% | — | 13.08% | NZD $5,470,402 | 651 | — |
| Australian Top 20 Fund | 0.59% | 11.27% | — | 12.96% | NZD $6,703,414 | 606 | — |
| US Large Value Fund | 0.57% | 17.52% | — | 15.70% | NZD $12,116,039 | 821 | — |
| Australian Resources Fund | 0.59% | 10.30% | — | 11.22% | NZD $17,289,411 | 1,210 | — |
| Total World (Nzd Hedged) Fund | 0.58% | 16.14% | — | 11.83% | NZD $6,212,429 | 266 | — |
| Europe Fund | 0.59% | 22.34% | — | 12.52% | NZD $14,102,623 | 916 | — |
| US Small Cap Fund | 0.57% | 15.82% | — | 12.80% | NZD $6,087,978 | 634 | — |
| Overseas Non-Government Bonds Fund | 0.54% | 1.95% | — | -0.15% | NZD $19,137,175 | 1,564 | — |
| Emerging Markets Fund | 0.73% | 25.15% | — | 8.71% | NZD $28,413,836 | 2,520 | — |
| Superlife Age Steps - Age 80 | 0.56% | 3.34% | — | 1.25% | — | 12 | — |
| Nz Top 50 Fund | 0.59% | 7.80% | — | 2.94% | NZD $56,697,164 | 1,931 | — |
| Overseas Bonds Fund | 0.59% | 2.65% | — | 0.31% | NZD $10,276,077 | 1,240 | — |
| Nz Shares Fund | 0.59% | 7.75% | — | 2.86% | NZD $25,165,019 | 1,831 | — |
| Superlife Age Steps - Age 20 | 0.63% | 15.15% | — | 10.01% | — | 299 | — |
| Australian Dividend Fund | 0.59% | 20.03% | — | 12.21% | NZD $2,089,364 | 210 | — |
| Overseas Shares Fund | 0.58% | 26.93% | — | 15.49% | NZD $36,408,611 | 1,911 | — |
| Nz Bonds Fund | 0.54% | 4.29% | — | 1.13% | NZD $37,026,847 | 2,351 | — |

_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/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_20.pdf
  - SHA-256: `dd8ee89dd34b0213…`
  - Ingested: 2026-05-15
- **Fund: age-steps-age-30**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_30.pdf
  - SHA-256: `5e86c103be12dfb4…`
  - Ingested: 2026-05-16
- **Fund: age-steps-age-40**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_40.pdf
  - SHA-256: `93dfc79c0a55a053…`
  - Ingested: 2026-05-16
- **Fund: age-steps-age-50**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_50.pdf
  - SHA-256: `c920027013a568f5…`
  - Ingested: 2026-05-16
- **Fund: age-steps-age-60**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_60.pdf
  - SHA-256: `66209c015fb1c87f…`
  - Ingested: 2026-05-16
- **Fund: age-steps-age-70**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_70.pdf
  - SHA-256: `7af3868e76d16a53…`
  - Ingested: 2026-05-16
- **Fund: age-steps-age-80**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_age_steps_-_age_80.pdf
  - SHA-256: `ea85f6a7c6f6853d…`
  - Ingested: 2026-05-16
- **Fund: asia-pacific**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_asia_pacific_fund.pdf
  - SHA-256: `c1ee346089db811e…`
  - Ingested: 2026-05-16
- **Fund: australian-dividend**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_australian_dividend_fund.pdf
  - SHA-256: `e4327c2c1468ea0d…`
  - Ingested: 2026-05-16
- **Fund: australian-financials**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_australian_financials_fund.pdf
  - SHA-256: `12dd05c2ea62479a…`
  - Ingested: 2026-05-16
- **Fund: australian-mid-cap**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_australian_mid_cap_fund.pdf
  - SHA-256: `9c1d7ef44060ad9f…`
  - Ingested: 2026-05-16
- **Fund: australian-property**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_australian_property_fund.pdf
  - SHA-256: `ad555779a4ce5cfb…`
  - Ingested: 2026-05-16
- **Fund: australian-resources**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_australian_resources_fund.pdf
  - SHA-256: `d499b11ebf8ed022…`
  - Ingested: 2026-05-16
- **Fund: australian-shares**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_australian_shares_fund.pdf
  - SHA-256: `50aa4a1ee5ef7123…`
  - Ingested: 2026-05-16
- **Fund: australian-top-20**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_australian_top_20_fund.pdf
  - SHA-256: `b977e5fdc58f38ad…`
  - Ingested: 2026-05-16
- **Fund: balanced**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_balanced_fund.pdf
  - SHA-256: `e68fb924eb4e14ec…`
  - Ingested: 2026-05-15
- **Fund: cash**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_nz_cash_fund.pdf
  - SHA-256: `2572f42c5c0e9df7…`
  - Ingested: 2026-05-16
- **Fund: castle-point-5-oceans**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_castle_point_5_oceans_fund.pdf
  - SHA-256: `0ba2fc1b10af89d8…`
  - Ingested: 2026-05-16
- **Fund: conservative**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_conservative_fund.pdf
  - SHA-256: `f6e743f8ce2b0796…`
  - Ingested: 2026-05-15
- **Fund: default**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_default_fund.pdf
  - SHA-256: `e6555a8ba6a907e5…`
  - Ingested: 2026-05-16
- **Fund: emerging**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_emerging_markets_fund.pdf
  - SHA-256: `144775ef8df63ae3…`
  - Ingested: 2026-05-16
- **Fund: ethica**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_ethica_fund.pdf
  - SHA-256: `b12ad5fe16cb3cff…`
  - Ingested: 2026-05-16
- **Fund: europe**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_europe_fund.pdf
  - SHA-256: `e8d0342fdf97b9ce…`
  - Ingested: 2026-05-16
- **Fund: global-aggregate-bond**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_global_aggregate_bond_fund.pdf
  - SHA-256: `9b8d0c4bb8753b45…`
  - Ingested: 2026-05-16
- **Fund: global-property**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_global_property_fund.pdf
  - SHA-256: `de791ee2ac73a3c8…`
  - Ingested: 2026-05-16
- **Fund: growth**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_growth_fund.pdf
  - SHA-256: `b26e91b0e118cbdb…`
  - Ingested: 2026-05-16
- **Fund: high-growth**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_high_growth_fund.pdf
  - SHA-256: `3bb45d7feaea616c…`
  - Ingested: 2026-05-16
- **Fund: income**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_superlife_income_fund.pdf
  - SHA-256: `3246271a7f94fc59…`
  - Ingested: 2026-05-15
- **Fund: nz-bonds**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_nz_bonds_fund.pdf
  - SHA-256: `b99e38be65bd2a33…`
  - Ingested: 2026-05-16
- **Fund: nz-dividend**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_nz_dividend_fund.pdf
  - SHA-256: `ade3c4e9fb9d3a0d…`
  - Ingested: 2026-05-16
- **Fund: nz-mid-cap**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_nz_mid_cap_fund.pdf
  - SHA-256: `68ba4f8599c90ae5…`
  - Ingested: 2026-05-16
- **Fund: nz-property**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_nz_property_fund.pdf
  - SHA-256: `f9e564df3894cf8e…`
  - Ingested: 2026-05-16
- **Fund: nz-shares**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_nz_shares_fund.pdf
  - SHA-256: `a9b0a5daf7540d22…`
  - Ingested: 2026-05-16
- **Fund: nz-top-10**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_nz_top_10_fund.pdf
  - SHA-256: `c9ab7fa0ac4cd1b2…`
  - Ingested: 2026-05-16
- **Fund: nz-top-50**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_nz_top_50_fund.pdf
  - SHA-256: `c3dc50504b47eac9…`
  - Ingested: 2026-05-16
- **Fund: overseas-bonds**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_overseas_bonds_fund.pdf
  - SHA-256: `743f79cc6c8c5bb9…`
  - Ingested: 2026-05-16
- **Fund: overseas-non-government-bonds**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_overseas_non-government_bonds_fund.pdf
  - SHA-256: `50f3030bb0e6d214…`
  - Ingested: 2026-05-16
- **Fund: overseas-shares**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_overseas_shares_fund.pdf
  - SHA-256: `40416c4315d26e5b…`
  - Ingested: 2026-05-16
- **Fund: overseas-shares-currency-hedged**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_overseas_shares_(currency_hedged)_fund.pdf
  - SHA-256: `1adb8e9ab2313daf…`
  - Ingested: 2026-05-16
- **Fund: s-p-asx-200**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_s&p_asx_200_fund.pdf
  - SHA-256: `4374ae7769636905…`
  - Ingested: 2026-05-16
- **Fund: s-p-nzx-50**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_s&p_nzx_50_fund.pdf
  - SHA-256: `8d00c1e37c92256e…`
  - Ingested: 2026-05-16
- **Fund: s-p-nzx-nz-government-bond**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_s&p_nzx_nz_government_bond_fund.pdf
  - SHA-256: `1c0a874fc438b9cb…`
  - Ingested: 2026-05-16
- **Fund: total-world**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_total_world_fund.pdf
  - SHA-256: `28214b27c91646f6…`
  - Ingested: 2026-05-16
- **Fund: total-world-nzd-hedged**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_total_world_(nzd_hedged)_fund.pdf
  - SHA-256: `501623afa245c87d…`
  - Ingested: 2026-05-16
- **Fund: us-500**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_us_500_fund.pdf
  - SHA-256: `de7b1d6c99cd1e40…`
  - Ingested: 2026-05-16
- **Fund: us-large-value**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_us_large_value_fund.pdf
  - SHA-256: `178c620e0b9c6093…`
  - Ingested: 2026-05-16
- **Fund: us-mid-cap**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_us_mid_cap_fund.pdf
  - SHA-256: `b32ab3096c968dff…`
  - Ingested: 2026-05-16
- **Fund: us-small-cap**
  - Original PDF: https://www.superlife.co.nz/files/LegalDocs/SLKS-FundUpdates/2025-Sep/superlife%20kiwisaver%20scheme%20fund%20update_us_small_cap_fund.pdf
  - SHA-256: `d574ef8b35cc3269…`
  - 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/2025-q3/facts.json
- Crawlable HTML: https://fundcompare.co.nz/filings/qfu/smartshares/2025-q3

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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.