KiwiSaver Advice

KiwiSaver is a voluntary work-based savings scheme, introduced to help New Zealanders save for
retirement. KiwiSaver was designed as a long-term savings plan and Highgate Partners fully
encourages all eligible investors to join.
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There are differences in the terms, conditions, fees, and investment approaches of the various KiwiSaver scheme providers. Highgate Partners has surveyed the available KiwiSaver schemes in light of the Highgate Partners investment philosophy, and we make recommendations relating to the following KiwiSaver schemes:

1. 1. The Booster KiwiSaver Scheme (Asset Class Funds);
2. 2. The KiwiWRAP KiwiSaver Scheme operated by Consilium New Zealand Limited. The KiwiWRAP KiwiSaver Scheme is an advice-based scheme designed for investors with a KiwiSaver balance greater than $50,000 and is generally most suitable for investors with a PIR (Prescribed Investor Rate) of 28%. Unlike other KiwiSaver schemes, the KiwiWRAP KiwiSaver Scheme allows for ongoing advice and reviews specific to the investor's situation.
3. 3. The SuperLife KiwiSaver Scheme.

All of the above KiwiSaver schemes allow us to apply the same evidence-based investment principles used to
construct Highgate Partners Classic and Socially Responsible Investment portfolios.

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