Craigs KiwiSaver Scheme - Introduction to - Craigs Investment Partners
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
Introduction to Craigs KiwiSaver Scheme A flexible KiwiSaver Scheme, tailored to your goals.
IT’S ALL ABOUT INVESTMENT CHOICE Welcome This guide explains the key features of our KiwiSaver Scheme, the range of investment options available, and provides an overview of the mechanics of KiwiSaver. Contents Why KiwiSaver? / 02 Why start now? / 03 What are the benefits of KiwiSaver? / 04 How does your KiwiSaver portfolio grow? / 05 Deciding what to invest in / 06 Why Craigs KiwiSaver Scheme? / 08 Emily’s KiwiSaver Portfolio / 09 The mechanics of KiwiSaver / 11 Joining Craigs KiwiSaver Scheme / 13 What happens next? / 13 Talk to us today 0800 008 222 craigsip.com The Craigs KiwiSaver Scheme is issued and managed by Craigs Investment Partners Superannuation Management Limited. The Product Disclosure Statement is available at craigsip.com CRAIGS KIWISAVER SCHEME
Put the future of your
wealth in the hands of
the experts
Investment is our speciality. As one of the country’s leading
investment advisory and sharebroking firms we look after over
$14 billion* worth of client funds under management.
For you, this means that we have the investment and a broad range of companies, keep an eye on
expertise, resources and capabilities to provide you economic and political events, and publish timely
with quality investment services that can be tailored fact-based reports on their findings.
to your investment needs.
The research we offer clients is provided by three
core teams: private wealth, institutional, and global
Partner with a qualified investment research through our strategic alliance with
specialist – near you Deutsche Bank.
We employ over 140 investment advisers spread over
our 17 branches throughout New Zealand. Your We are bound by rules and regulations
investment adviser will listen first, ask questions and Craigs Investment Partners is a NZX Participant firm.
help you choose a service that suits your needs. This means you can invest with us knowing that we
Our investment advisers are Authorised Financial follow NZX compliance regulations. Our Authorised
Advisers (AFA)** and experienced in providing advice Financial Advisers (AFAs) must also comply with laws
to people just like you. Their credentials give you governed by the Financial Markets Authority (FMA).
confidence that you are dealing with a qualified Craigs Investment Partners Superannuation
professional who acts responsibly. Management Limited (CIPSML) is the licenced
manager of the Craigs KiwiSaver Scheme under the
Receive advice founded on sound FMC Act. New Zealand Guardian Trust Limited is the
research licenced supervisor of Craigs KiwiSaver Scheme. As a
Your adviser is backed by the expertise of our manager, CIPSML is bound by the regulations of the
investment research team; one of New Zealand’s FMC Act.
largest. We believe the quality of our research is a key
point of difference, and the advice you receive is
founded on our team’s in-depth analysis.
To ensure you have a sound basis for investment
decisions, our research analysts monitor markets
* As at February 2018 across the Craigs Investment Partners group.
** Our investment advisers are either qualified AFA (Authorised Financial
Advisers) or in the process of qualifying.
Craigs KiwiSaver Scheme Guide 07.18 / 01
Why KiwiSaver?
KiwiSaver is a Government initiative designed to encourage
New Zealanders to save for their retirement. It provides
incentives to members who are contributing to KiwiSaver.
Over 2.7 million* New Zealanders realise the benefits Why save for your retirement?
that KiwiSaver provides and are currently enrolled.
Saving for your retirement is one of the easiest
However some have not yet joined, perhaps not decisions to put off, but the longer you wait, the less
being aware of what KiwiSaver has to offer, thinking financial security you may have. The graph below
that they still have plenty of time to save or assuming shows the gap between different incomes and the NZ
that it is too late to join. Superannuation annual income. The gap is significant.
The benefits of KiwiSaver are available to most
New Zealanders between the ages of 18 and 65.
Comparing your current income vs
NZ Super income at retirement
$1,334
Without saving, $1,200
could you afford to $1,000
$942
live the lifestyle you
WEEKLY NET
$800
want in retirement? $653
$600
$400 $390
$200
$0
$40K $60K $90K NZ Super
Salary Salary Salary
This graph is based on a single person living alone from the age of
entitlement to NZ Super, currently age 65. The weekly net income
amounts for each salary level are based on the current applicable
personal tax rates at the time of publication.
* As at June 2017.
Source: kiwisaver.govt.nz
02 \ CRAIGS KIWISAVER SCHEME
Why start now?
Start saving now – the longer the delay,
the higher the cost.
As demonstrated by the chart below, Sarah begins Contributing on a regular basis to KiwiSaver does not
saving 3% of her $40,000 per year salary. have to alter your lifestyle greatly, but does require
some thought, a considered plan, and some
10 years later, James starts saving 3% of his $60,000
investment discipline. The graph below highlights why
per year salary. This 10 year delay could result in a
starting early can boost the end value of your
final end balance that is $130,000 less, even though
retirement savings. The sooner you join, the better off
he contributes more each year than Sarah.
you could be.
When Sarah retires, assuming she receives an annual
salary increase of 3%, and earns an average annual
return of 5%, her additional KiwiSaver savings could The value of your KiwiSaver account
generate her an additional income of approximately at retirement
$6,800 per year, an extra $569 per month to live off in Sarah
retirement, all contributing towards a better lifestyle. $508,000 25 yr old,
KIWISAVER ACCOUNT VALUE
starting
salary of
$40k
$372,000 James
35 yr old,
starting
salary of
$60k
25 30 35 40 45 50 55 60 65
YEARS
Please note: This chart is provided as an illustration only and is not
intended to represent any indication of future performance.
This graph assumes starting salaries increase by 3% p.a. until age
65 and employees contribute 3% of their salary to their KiwiSaver
portfolio which is matched by their employer, but subject to
Employer Superannuation Contribution Tax (ESCT). This graph
includes member tax credits (Government incentive of KiwiSaver).
The graph above is an illustration using an average investment
return of 5% p.a. (after fees and taxes) and does not represent
any indication of future performance. Returns are not guaranteed
and the value of your investment may go down as well as up. Total
values have been rounded.
Source: Craigs Investment Partners
Craigs KiwiSaver Scheme Guide 07.18 / 03
What are the
benefits of KiwiSaver?
Member tax credit Your contribution
Member tax credits are a key benefit of KiwiSaver. You can contribute 3%, 4% or 8% of your gross pay,
If you’re eligible and contribute at least $1,042.86 per you choose the rate. If you are self or non-employed
annum or approximately $87 per month, the you can contribute as much or as little as you like.
government will make an additional annual Refer to page 11 for more details. You can also add
contribution of $521.43 per year. lump sums to your KiwiSaver account at any time.
Contributions from your employer
If you’re eligible, your employer will match your
contribution at a rate of 3% of your gross salary
to your KiwiSaver savings.
Benefits
Benefit type Employee Self- employed Under 18
or not employed
Member tax credit
• Up to $521.43 per KiwiSaver year
Matching employer contribution of 3%
First Home withdrawal
KiwiSaver HomeStart Grant*
• Up to $5,000 for an existing home
• Up to $10,000 for a new build
*Full details of the KiwiSaver HomeStart Grant are available at hnzc.co.nz.
All benefits mentioned are subject to eligibility criteria.
04 \ CRAIGS KIWISAVER SCHEME
How does your
KiwiSaver Portfolio grow?
KiwiSaver - a compelling investment.
James is currently earning $60,000 per annum and
contributes 3% of his salary, equating to $1,800 a year.
His employer matches this, contributing another 3% of his
gross salary. When the member tax credit of $521.43
is added it means James’ KiwiSaver account receives
$3,581.43 with him contributing just $1,800.
ANNUAL 3% ANNUAL 3% ANNUAL
EMPLOYEE EMPLOYER* MEMBER
CONTRIBUTION CONTRIBUTION TAX CREDIT TOTAL
$1,800 $1,260 $521.43 = $3,581.43
* Employer contributions are subject to Employer Superannuation
Contribution Tax (ESCT). Conditions and Criteria apply.
Your weekly Annual Employer’s Member tax Total
contribution contribution annual credit contributed
(3%) contribution for your
(3%) benefit
Employed
$40,000 $23.07 $1,200 $990 $521.43 $2,711.43
(Annual salary)
$80,000 $46.15 $2,400 $1,608 $521.43 $4,529.45
$100,000 $57.69 $3,000 $2,010 $521.43 $5,531.43
Self-employed or not employed $20.06 $1,043 - $521.43 $1,564.43
Example for self-employed or not employed member above is based on the member making the minimum payment to receive the member tax credit.
Craigs KiwiSaver Scheme Guide 07.18 / 05
Deciding what
to invest in
There are many ways to invest your KiwiSaver savings. As an
investor you need to be aware of your investment options, the
associated risks and potential returns.
Investing in funds
Funds are baskets of different assets which can As funds invest on behalf of a number of individual
include; shares, fixed income (bonds), cash and investors, they have much larger values to invest. They
property. When investing in a fund, investors purchase can hold more assets, in more industry sectors and in
a unit (a part of that fund). more markets (broader diversification) than an
individual investor could on their own.
Funds are typically named and categorised by the
investments they are made up of. Some funds are
diversified, meaning they include a combination of
Example of asset mix within a Conservative Portfolio
investments from different asset classes to cater for
varying risk appetites (e.g. Conservative, Balanced or
Growth). The risk within each of the funds is
determined by the percentage that is invested in each Cash 5%
asset class. Consequently, a Growth fund will include NZ fixed income 70%
TH
a higher percentage of shares (also referred to as a W
NZ equities 11%
GRO
growth asset) than a Balanced or Conservative fund Australian equities 6%
ME
O
INC
which will have a higher percentage of income assets Global equities 5%
(cash and bonds). Property 3%
Funds can also be focussed on a particular asset class
(Fixed Income, New Zealand Equities, Australian
Equities etc) or be designed for a specific purpose
(for example ethical investing funds or income funds). Example of asset mix within a Growth Portfolio
How funds can be used in an investment portfolio
Cash 3%
• Some investors use funds as a well-diversified
NZ fixed income 7%
foundation, suited to their individual risk profile. INCOM
NZ equities 24%
Diversified funds act as a good cornerstone which
E
Australian equities 26%
can be complemented with other investments as
GR
O
WTH
Global equities 37%
the portfolio grows.
Property 3%
• Other investors use funds to gain exposure to a
specific asset class, such as International Equities,
Australasian Equities or Fixed Income,
complementing their existing portfolio.
06 \ CRAIGS KIWISAVER SCHEME
Investing in shares Your choice of investments has a big
By investing in shares you effectively buy a small part impact on your savings at retirement
of a company. When you invest in a company you Lucas is 23 and has just joined KiwiSaver. He
can receive a return in two main ways: contributes 3% of his $45,000 salary (before tax) and
1 Dividends his employer contributes 3%. He also receives the
2 Capital Growth member tax credit from the Government each year.
A dividend may be paid to investors when a The graph below shows three very different outcomes
company has earned a profit. Companies may pay a at retirement based on how Lucas invests his
dividend regardless of how the market is performing. KiwiSaver savings until his retirement. As well as
producing different returns, each option will have
The share price is a measure of what the market different levels of risks based on its asset allocation.
deems a company to be worth. Companies that The investment achieving 8% p.a. will likely include
make a profit are not only able to increase the more growth assets (such as shares and property) but
dividend paid over time (dividend growth) but the also will experience more volatility (periods of
share price may rise over time. This provides a return negative performance).
to the investor when shares are sold for a price that
is higher than what was originally paid (capital This demonstrates the importance of choosing
growth). investments that are appropriate for you, taking into
account your investment timeframe, goals and your
The Craigs KiwiSaver Scheme allows you to invest appetite for risk.
directly in individual shares. By investing in individual
shares you have the option to tailor your portfolio to $1,400,000 Investment returns
include companies from sectors you might be Government condition
$1,200,000
interested investing in. It is important that you meet Employee contribution
with an investment adviser to discuss your $1,000,000 Employer contribution
investment options, to ensure that you build a well–
diversified portfolio suitable for you. $800,000
$600,000
$400,000
$200,000
$0
4% return p.a. 6% return p.a. 8% return p.a.
Graph is based a person with an annual salary of $45,000 (with an
annual increase of 3% per annum) contributing 3% into KiwiSaver from
the age of 23 to retirement at age 65. This is matched by employer
contributions at 3%. Contributions are taxed at applicable rates. Graph
includes annual member tax credits of $521.43 and investment returns
assumptions of 4%, 6% and 8%.
Returns are not guaranteed and the value of your investment may go
down as well as up.
Please note: This chart is provided as an illustration only and is not
intended to represent any indication of future performance.
Source: Craigs Investment Partners
To access which investments might suit you, complete our online Risk Profiler – go to craigsip.com/risk-profiler
Alternatively talk to one of our investment advisers from our KiwiSaver Specialist Team by phoning 0800 008 222.
If you would like to attend one of our Investing Workshops or read one of our Investor Basics booklets
visit our website: craigsip.com.
Craigs KiwiSaver Scheme Guide 07.18 / 07
Why Craigs
KiwiSaver Scheme?
“You can choose your own investments. Not only can you
invest in a fund but you can also select from a range of
company shares and other securities. We’re here to help,
but the choice is yours.”
Stephen Jonas, Head of Client Services at Craigs Investment Partners.
Invest in a Scheme with the flexibility to An investment adviser is available
create your own investment portfolio to guide you along the way
We offer a flexible KiwiSaver Scheme with a range of If you are new to investing it may seem daunting at
investment options. first. As a Craigs client, you have an investment
adviser to help you through the investment process.
We have short-listed over 180 Australasian and
Your adviser can help you assess your goals, needs
international shares, funds and other securities so you
and the level of risk you are comfortable with. This will
can build your own portfolio to suit your goals, needs
then translate into a selection of investments suitable
and appetite for risk.
for you.
Range of investment options available to you:
Your investment adviser is available on an ongoing
Diversified Funds basis to answer any questions you might have or to
give you advice in relation to your investments. If your
Australasian Equities
situation changes you can amend your investments
International Equities to suit you.
Investment Trusts and Non-NZ
Managed Funds Our research can help you make
informed investment decisions
Index Funds
The advice you receive is based on thorough analysis
Listed Property
and recommendations from our Private Wealth
Cash and Cash Equivalents Research team, one of New Zealand’s largest. As a
client, you have access to our broad range of research
reports, publications and regular email updates. These
To view the range of investment options available
provide helpful information on market trends,
for you to choose from, visit our website
investment strategies to consider and updates on
craigsip.com/services/kiwisaver/investment-options
companies we research.
Craigs KiwiSaver Scheme enables you to spread your
Your investment adviser is available to answer any
contributions across multiple investments including a
questions you might have.
range of fund managers, in a cost efficient way.
Stay on top of your KiwiSaver account
online
You can check up-to-date information on your
portfolio and view your reports online or on our
mobile app – 24 hours a day, 7 days a week. The value
of your investment portfolio is updated daily.
08 \ CRAIGS KIWISAVER SCHEMEKate’s KiwiSaver Portfolio
An example of how you can start her investment portfolio. As her balance grew, she
started to add direct investments into her portfolio to
build your investment portfolio. gain additional exposure to certain sectors and
markets.
Ultimately all investment decisions are Kate’s to make
Kate* is 35, married with 2 children. She joined
but her investment adviser provides objective advice
KiwiSaver 10 years ago and has contributed 4% of her
on companies along the way to help her to make
annual salary, which is now $125,000.
informed decisions.
Initially she invested in a Growth Fund as it suited her
The chart below is for illustrative purposes only, is not advice and does
risk profile and provided a diversified base for her to not take into account your financial situation or needs.
* This is a representative example of a client only.
US
ETF’s
UK $7,500
ETF’s
$7,500
US Shares
$7,500
Growth
Fund
AU Shares
$51,000
$7,500
NZ Shares
$21,000
Alternative investment option for investors on lower tax rates
Income within Craigs KiwiSaver Scheme is taxed at a flat rate of 28%.
If your Prescribed Investor Rate (PIR) is 10.5% or 17.5% there could be tax advantages
of investing directly in the QuayStreet KiwiSaver Scheme.
QuayStreet KiwiSaver Scheme is provided by QuayStreet Asset Management Limited,
a wholly owned subsidiary of Craigs Investment Partners.
The QuayStreet KiwiSaver Scheme has been registered as a Portfolio Investment Entity (PIE) to ensure that your
KiwiSaver investment earnings are taxed at your PIR rather than your Resident Withholding Tax rate (RWT).
For full details of the QuayStreet KiwiSaver Scheme please refer to the Product Disclosure Statement at quaystreet.com
or discuss with an investment adviser from the QuayStreet KiwiSaver Specialist team by phoning 0800 008 222.
QuayStreet KiwiSaver Scheme is issued and managed by QuayStreet Asset Management Limited.
Craigs KiwiSaver Scheme Guide 07.18 / 09My KiwiSaver portfolio lets me invest in
companies that I want to support. For
me the ethical aspect is really important.
I decide what to invest in but my Adviser
gives me recommendations along the way
and answers any questions I might have.
Peter / Nelson
Craigs KiwiSaver
Scheme Client
10 \ 10 \ CRAIGS
CRAIGS KIWISAVER
KIWISAVER
SCHEME
SCHEMEThe mechanics
of KiwiSaver
Who can join? Can I take a break from making
To become a KiwiSaver member you need to be: contributions?
• a New Zealand citizen or entitled to permanent If you’re an employee and have been a member of
residence; KiwiSaver for at least 12 months, you can apply to the
• living in New Zealand; and IRD to stop making contributions to the Scheme by
• under 65 (the current qualifying age for New taking a “contributions holiday”. You might be able to
Zealand Superannuation). take one sooner if you are suffering or likely to suffer
from financial hardship.
You can join KiwiSaver regardless of whether you are
employed, self-employed or not employed. If you are self-employed or not employed, you can take
a break from making contributions whenever you
What do I need to contribute? choose by notifying your provider. However to qualify
for the maximum Member Tax Credits of $521.43, you
Employed? must personally contribute $1,042.86 to your KiwiSaver
You can contribute 3%, 4% or 8% of your before tax portfolio before the end of each KiwiSaver year
pay, you choose the rate you want to contribute, which (1 July - 30 June).
is deducted from your pay.
When can I access my KiwiSaver savings?
You can also make lump sum contributions to your
KiwiSaver account, perhaps to invest other retirement KiwiSaver is designed to help people save for
savings you might have. retirement. Your KiwiSaver account balance is generally
locked in until you have been a member of KiwiSaver
Self-employed or not employed? for five years and you reach the qualifying age for New
You decide the timing and how much you would like to Zealand Superannuation, which is currently 65.
contribute, either as a regular contribution or a lump However, there are a few exceptions to this. The
sum amount. We recommend you contribute at least KiwiSaver rules allow you to take out some, or all, of
$1,042.86 per year (approx. $87 per month), to qualify your KiwiSaver savings earlier in some specific
for the maximum member tax credit of $521.43. circumstances.
Changing the amount that I contribute These include when:
You can change the rate at which you contribute to • you are buying your first home;
your KiwiSaver portfolio by notifying your employer. • you suffer serious illness;
• you suffer significant financial hardship;
• you have permanently emigrated; or
• you have to pay tax or make a student loan
repayment which arises from a foreign
superannuation scheme withdrawal. The table over
the page summarises the permitted withdrawals
from the Scheme. Please refer to the Product
Disclosure Statement available at:
craigsip.com/services/kiwisaver for full information.
Craigs KiwiSaver Scheme Guide 07.18 / 11Withdrawals from the Scheme
Permitted withdrawals Your Your Member tax Government
(as referred to in the KiwiSaver Act contributions employer’s credits kick-start
2006) and returns contributions payment*
and returns
Retirement
First home
Serious illness
Significant financial hardship
Permanent emigration - to countries
other than Australia
Permanent emigration - to Australia
Death of member
Transfer to another KiwiSaver Scheme
To pay tax which arises from a foreign
superannuation scheme withdrawal
* Only applicable to members who joined KiwiSaver before 2pm on 21 May 2015 and received a kick-start incentive payment
into their KiwiSaver account.
What can I access when buying my Can I bring back my Australian Super?
first home? Talk to us about consolidating your Australian
If you’ve been a member of KiwiSaver for at least Superannuation into your KiwiSaver account. There
three years, you may be able to withdraw some of your may be a number of benefits in doing so, including
KiwiSaver savings. However, you must retain a only having one fund to manage, reduced costs and
minimum balance of $1,000 in your KiwiSaver account. simplified reporting.
The value of the property you are purchasing is not
taken into account. Can I bring back my UK Pension?
You may also qualify for a KiwiSaver HomeStart grant Currently, KiwiSaver Schemes cannot accept UK
from Housing New Zealand of up to $5,000 for an pension transfers. However our Superannuation
existing/older home or $10,000 for a new home. There Scheme can accept transfers. We offer a
are additional criteria that apply. To find out more complimentary UK Pension Transfer Information
details of this grant see the Product Disclosure Service which can help you understand your UK
Statement or visit the Housing New Zealand website Pension Scheme and the options available to you.
hnzc.co.nz For more information, call 0800 008 222 to talk to an
adviser from our KiwiSaver specialist team.
Do I need to withdraw my KiwiSaver
savings when I retire?
You have options when it comes to accessing your
KiwiSaver savings. Just because you turn 65 does not
mean you have to withdraw your savings. Talk to us to
ensure your nest egg is looked after to help you enjoy
your retirement.
For full information on KiwiSaver and our Scheme refer to the Craigs KiwiSaver Scheme Product Disclosure
Statement available on our website craigsip.com/kiwisaver
12 \ CRAIGS KIWISAVER SCHEMEJoining
Craigs KiwiSaver
Scheme
You can join KiwiSaver
if you are a New Zealand
citizen, if you usually
live in, or are entitled
What
to permanently live in
New Zealand and if you happens
next?
are aged under 65.
To join Craigs KiwiSaver Scheme, follow
five simple steps:
1 Decide which rate you want to contribute.
2 Call 0800 008 222 to discuss your investment
goals, your risk profile and to learn more about our
When we receive your application we
KiwiSaver Scheme and your investment options.
will open an account in your name and
Visit our website craigsip.com for more details.
let you know the details.
3 Read the Craigs KiwiSaver Scheme Product
Disclosure Statement. When we receive your first investment payment we
will buy the securities or funds you have chosen.
4 Apply online at craigsip.com or complete the hard • If you send us a lump sum amount, we buy on the
copy form in the back of the Product Disclosure next available investment day*.
Statement.
• If you are transferring from a different Scheme it
5 Return the completed hard copy form to your may take up to 35 days for your KiwiSaver provider
investment adviser or to the Craigs KiwiSaver to release your funds to us. We will buy the
team. The address is at the top of the form. Make securities or funds at the next investment day
sure you include the documents listed in the following receipt of your funds.
Identity Verification Requirements section.
When we make the first purchase, we will send you a
portfolio and transaction statement.
*Investment dates are the 5th, 10th, 15th, 20th, and the 25th of
each month, or the next available business day if a date falls on a
weekend or public holiday.
For more details on Craigs KiwiSaver Scheme
including fees, risks and other important information
please refer to the Product Disclosure Statement
available on our website craigsip.com
Craigs KiwiSaver Scheme Guide 04.18 / 13Speak with one
of our advisers,
we’ll do the rest.
No matter how much or how little experience
you have with investing, one of our qualified
investment advisers can help you make the
most of our services.
Our experienced investment advisers have
helped more than 50,000 clients with their
investments: individuals, families, trusts, and
businesses; investors with high net worth, and
those just starting out. We’re right beside
you on your journey, so let’s get started.
Call us on 0800 008 222
or email kiwisaver@craigsip.com
14 \ CRAIGS KIWISAVER SCHEMEMonitor the
performance of
your investments
in KiwiSaver on any
device, anytime
anywhere.
See the value and performance
of your investments
& portfolio holdings
Access to extensive research
across NZ, Australia & global
markets
Comprehensive market data
& dynamic charting
For more information,
talk to an investment adviser
or visit craigsip.com/client-portal
Craigs KiwiSaver Scheme Guide 07.18 / 15This page is left intentionally blank 16 \ CRAIGS KIWISAVER SCHEME
This page is left intentionally blank
Craigs KiwiSaver Scheme Guide 07.18 / 17HEAD OFFICE - TAURANGA ROTORUA BLENHEIM
Craigs Investment Partners House First Floor 2 Alfred Street
158 Cameron Road 1196 Whakaue Street PO Box 678, Blenheim 7240
PO Box 13155, Tauranga 3141 PO Box 1148, Rotorua 3040 P. 03 577 7410 F. 03 577 7440
E. headoffice@craigsip.com P. 07 348 1860 F. 07 348 1863 E. blenheim@craigsip.com
E. rotorua@craigsip.com
KERIKERI CHRISTCHURCH
Hobson House GISBORNE Level 3
14 Hobson Avenue 75 Childers Road Craigs Investment Partners House
PO Box 841, Kerikeri 0245 PO Box 153, Gisborne 4040 76 Victoria Street
P. 09 407 7926 F. 09 407 7429 P. 06 868 1155 F. 06 868 1154 PO Box 90, Christchurch 8140
E. kerikeri@craigsip.com E. gisborne@craigsip.com P. 03 379 3433 F. 03 379 5687
E. christchurch@craigsip.com
WHANGAREI NEW PLYMOUTH
QUEENSTOWN
1 Robert Street First Floor, 9 Young Street
Level 1, Five Mile Centre
PO Box 573, Whangarei 0140 PO Box 8011, New Plymouth 4340
Grant Road, Frankton
P. 09 438 1988 F. 09 438 5167 P. 06 759 0015 F. 06 759 0016
PO Box 2487, Wakatipu
E. whangarei@craigsip.com E. newplymouth@craigsip.com
Queenstown 9349
P. 03 901 0170 F. 03 901 0179
AUCKLAND WHANGANUI E. queenstown@craigsip.com
Level 32, Vero Centre 17 Drews Avenue
48 Shortland Street PO Box 63, Whanganui 4541 DUNEDIN
PO Box 1196, Auckland 1140 P. 06 349 0030 F. 06 348 5523 Level 4, 229 Moray Place
P. 09 919 7400 F. 09 303 2520 E. whanganui@craigsip.com PO Box 5545, Dunedin 9058
E. auckland@craigsip.com P. 03 477 5900 F. 03 477 6743
PALMERSTON NORTH E. dunedin@craigsip.com
HAMILTON First Floor
Level 4, PwC Centre Cnr Broadway Avenue & Vivian Street GORE
Cnr Anglesea & Ward Streets PO Box 1543, Palmerston North 4440 120 Main Street
PO Box 1282, Hamilton 3240 P. 06 953 3460 F. 06 953 0640 PO Box 317, Gore 9740
P. 07 838 1818 F. 07 838 0828 E. palmerstonnorth@craigsip.com P. 03 208 9310 F. 03 208 4161
E. hamilton@craigsip.com E. gore@craigsip.com
WELLINGTON
TAURANGA Level 4, 20 Customhouse Quay INVERCARGILL
Craigs Investment Partners House PO Box 10556, Wellington 6143 Level 2, 20 Don Street
158 Cameron Road P. 04 917 4330 F. 04 917 4350 PO Box 1246, Invercargill 9840
PO Box 13155, Tauranga 3141 E. wellington@craigsip.com P. 03 214 9939 F. 03 214 9933
P. 07 577 6049 F. 07 578 8416 E. invercargill@craigsip.com
E. tauranga@craigsip.com
0800 272 442 / craigsip.com
Craigs Investment Partners is a NZX Participant Firm. Adviser Disclosure Statements are available on request and free of charge. Visit craigsip.com
The Craigs KiwiSaver Scheme (Craigs KiwiSaver) is issued and managed by Craigs Investment Partners Superannuation Management Limited.
The New Zealand Guardian Trust Company Limited is the supervisor of Craigs KiwiSaver. None of The New Zealand Guardian Trust Company Limited,
Craigs Investment Partners Superannuation Management Limited (or any director of those entities) or any other person, guarantees the performance
or returns of Craigs KiwiSaver, or the return of capital. Investments made in Craigs KiwiSaver are subject to investment and other risks (including those
set out in the Craigs KiwiSaver Scheme Product Disclosure Statement) and are not guaranteed by the manager, the supervisor or any other person.You can also read
