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Quaystreet Kiwisaver Scheme

Quaystreet Balanced Fund

Balanced·KiwiSaver fund·Risk 4/7
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The Smiths take

Quaystreet Balanced Fund Smiths Rating B+

Smiths' editorial rating, our internal opinion based on 10-year returns, fees, and risk band fit. Not a formal credit rating or regulated star rating.

The fund matches or beats the group average on the standard Sorted measures. Read the full breakdown below.

General information only · Past performance is not a reliable indicator of future performance · For personal advice please contact us.

At a glance

This fund is for investors seeking

Three quick reads for whether the Quaystreet Balanced Fund fits your situation.

A 5+ years timeframe

This is a balanced KiwiSaver fund. The provider's recommended minimum holding period sits in the 5+ years range.

A moderate-risk investment

Sorted's risk indicator places this at 4 on a 1–7 scale. Moderate volatility. meaningful ups and downs but not extreme.

Growth-leaning mix

56% growth assets (shares, property) and 44% income assets (bonds, cash). Spread across multiple asset classes.

Snapshot

The headline numbers

Mix

55.51% / 44.49%

Growth / Income · avg 53.54% / 46.46%

Fees

1.12%

$336 on $30k · avg 1.61%

5-yr return

8.16%

Annualised, after fees & 28% PIR · avg 8.16%

What the provider says

In their own words

“The QuayStreet Balanced Fund invests in a diversified portfolio with a balance between fixed interest and growth assets. The investment objective is to provide a level of return above the Fund's benchmark over the long term.”
Fund start date
30 September 2007
Withdrawal rules
This is a KiwiSaver fund. generally you can withdraw only to purchase a first home, after the age of 65, or in cases of significant financial hardship.

Asset mix

What this fund actually holds

Growth assets are 55.51% of the fund, income assets the rest. The mix is the latest snapshot from Sorted, with the average for this risk band's KiwiSaver funds shown alongside.

  • Shares
    this fund
    avg

    54.91%

    avg 49.40%

  • Property
    this fund
    avg

    0.60%

    avg 2.71%

  • Other
    this fund
    avg

    0.00%

    avg 1.43%

  • Bonds
    this fund
    avg

    28.39%

    avg 38.55%

  • Cash
    this fund
    avg

    16.10%

    avg 7.91%

What it owns

Top 10 holdings. 28.11% of the fund

The rest is spread across hundreds of other positions. Full holdings live in the provider's portfolio file.

  • Cash Anznz (Nzd)

    Cash

    Cash and Cash Equivalents
    NZ
    14.03%

  • Alphabet

    Shares

    International Equities
    US
    3.18%

  • Nvidia

    Shares

    International Equities
    US
    2.08%

  • Microsoft

    Shares

    International Equities
    US
    2.01%

  • Apple

    Shares

    International Equities
    US
    1.75%

  • Fisher & Paykel Healthcare

    Shares

    Australasian Equities
    NZ
    1.11%

  • Broadcom

    Shares

    International Equities
    US
    1.00%

  • Amazon.Com

    Shares

    International Equities
    US
    1.00%

  • Bhp Billiton

    Shares

    Australasian Equities
    AU
    0.99%

  • Meta Platforms

    Shares

    International Equities
    US
    0.96%

Fees breakdown

What you actually pay

Modelled on a $30,000 balance held for one full year. Each line shows this fund's % and dollar cost vs. the average for funds in the same risk band.

  • Management

    Charged by the fund manager, % of your balance.

    0.95%

    avg 0.76%

    $285

    avg $229

    +0.19%

  • Other

    Other potential costs not in the categories below.

    54.91%

    avg 49.40%

    -

    avg -

    +5.51%

  • Performance-based

    Higher when the fund (or underlying fund) performs well.

    0.00%

    avg -

    $0

    avg -

  • Membership

    A flat annual fee, regardless of balance or performance.

    0.10%

    avg 0.05%

    $30

    avg $15

    +0.05%

Total combined fees

Doesn't include fees for one-off activities like transferring or withdrawing.

1.12%

avg 1.61%

$336

avg $483

−0.49%

Yearly returns

8.16% per year over 5 years

Each bar is the 12-month return ending in March, after fees and 28% PIR. Past performance is not a reliable indicator of future performance.

Returns: living in the past

Seeking returns is the point of investing, but the ones shown above are already gone. they won't continue. Pick a fund based on the right mix for your situation and reasonable fees, not on past returns.

Risk indicator

Sorted risk rating: 4 of 7

The Sorted risk indicator is calculated from the last 5 years of price volatility. Higher = more ups and downs but typically higher long-term returns.

Lower risk · lower returnsHigher risk · higher returns
1
2
3
4
5
6
7

Fund details

The unsexy stats that matter

Total fund value
$103,807,422
Members
1,476
Asset liquidity ratio
100.00%
Debt ratio
0.09%
Default KiwiSaver fund
No
Fund reference
FND823

Manager

Quaystreet Kiwisaver Scheme

Licensed with the Financial Markets Authority.

NZBN
9429038512483

Smiths Health Check

Is the Quaystreet Balanced Fund actually the right fund for you?

Take the 90-second Health Check. We'll grade your current setup, tell you what it's costing you, and recommend the best fit from our advised panel, benchmarked against every fund in the directory, not just quaystreet.

Our directory covers every NZ KiwiSaver fund. Our advice panel is five schemes (ANZ, Booster, Fisher Funds, Generate, Milford); recommendations land on four funds across Milford and Booster — how we're paid →

Run free Health Check
Data: Sorted Smart Investor. Returns, fees and holdings refresh quarterly. General information only. Past performance is not a reliable indicator of future performance.