superSTART®


Our flexible superannuation solution 


With superSTART® you have a wide range of Investment Options, including the ability to personalise your portfolio by selecting your own securities from our approved list.

superSTART® also provides more flexibility than KiwiSaver as you have earlier access to your funds (from age 55) and can choose how much you contribute and how often.

View superSTART® Investment Options

Join superSTART® today
 

Who can join superSTART®?


Anyone under the age of 65 can join superSTART® either as an individual member or as an employee.
 

superSTART® is suitable for…
 
  1. Individuals wishing to save for retirement prior to the age of entitlement to New Zealand Superannuation (currently age 65) by way of:
    i. Regular or lump sum contributions
    ii. Superannuation transfers from NZ or overseas
  2. Employers wishing to create a comprehensive superannuation solution for employees.
  3. Employees wishing to take advantage of tax breaks* available via employer sponsored registered superannuation savings over and above KiwiSaver.

* Employer Superannuation Contribution Tax 'ESCT' is payable on employer contributions to registered superannuation schemes. For example, from 1 April 2009 an employee earning over $70,000 per annum could achieve a tax saving versus PAYE of 5%. Full details of the ESCT rates can be found on the Inland Revenue Department's website.

 

Product Feature Benefit To You

Personalised Portfolio Investment Option

 You have the control and flexibility to select your investments from more than 100 of Craigs Investment Partners' approved Australasian and global securities.

Defined Portfolio Investment Option

 You can choose from our range of risk based Investment Options which correspond to our Defined Portfolios unit trusts that best suit your personal needs and risk profile, and leave the management of your superSTART® portfolio to Craigs Investment Partners Investment Management Limited.

Personal Investment Advice

 You have your own personal Investment Advisor, who can help you tailor your own superSTART portfolio to meet your investment needs.

More Flexible than KiwiSaver
  • You have greater freedom to determine how much you invest, and how often.
  • You can make both regular and lump sum contributions, and alter the amount of your contributions at any time.
  • Your funds are accessible at the age of 55, unlike KiwiSaver members who cannot access their funds until the age of entitlement to New Zealand Superannuation, currently age 65.
  • Prior to age 55 you may also be able to withdraw a minimum of $10,000, up to a maximum of 20% of your total superSTART® funds, per annum.

Full Portfolio Administration

 superSTART® provides freedom from the day-to-day administration of your portfolio, saving you time and hassle. All your investment correspondence is dealt with, including the collection and automatic re-investment of dividends and end of year tax reporting. Every six months you will receive a portfolio report on the performance of your investment.

Proven Investment Philosophy and Performance

The key tenets of our investment philosophy are:

  • Minimisation of Costs
  • Focus on Quality
  • Compounding Returns
  • Buy and Monitor Approach

This ensures a balanced approach is applied to any investment portfolio. Craigs Investment Partners Investment Management Limited, backed by our award winning research team, actively monitors the composition of the Defined Portfolios unit trusts with an aim to achieve optimal performance for clients' portfolios.

Transparency of Investments

You are able to view the securities or funds you are invested in.