Quaystreet Kiwisaver Scheme
Quaystreet Conservative Fund
The Smiths take
Quaystreet Conservative 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 Conservative Fund fits your situation.
A 3+ years timeframe
This is a conservative KiwiSaver fund. The provider's recommended minimum holding period sits in the 3+ years range.
A moderate-risk investment
Sorted's risk indicator places this at 3 on a 1–7 scale. Smaller swings, lower long-term returns.
Mostly income assets
20% growth assets (shares, property) and 80% income assets (bonds, cash). Spread across multiple asset classes.
Snapshot
The headline numbers
Mix
20.37% / 79.63%
Growth / Income · avg 23.01% / 76.99%
Fees
0.86%
$258 on $30k · avg 3.44%
5-yr return
3.60%
Annualised, after fees & 28% PIR · avg 3.60%
What the provider says
In their own words
“The QuayStreet Conservative Fund invests in a diversified portfolio with an emphasis on conservative assets such as fixed interest investments. 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 20.37% 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.
- Sharesthis fundavg
19.67%
avg 20.31%
- Propertythis fundavg
0.70%
avg 2.07%
- Otherthis fundavg
0.00%
avg 0.63%
- Bondsthis fundavg
56.73%
avg 56.62%
- Cashthis fundavg
22.90%
avg 20.37%
What it owns
Top 10 holdings. 32.01% 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 EquivalentsNZ21.68%Nz Lgfa (Apr 2033)
Bonds
New Zealand Fixed InterestNZ1.37%Vector (Oct 2026)
Bonds
New Zealand Fixed InterestNZ1.35%Anz New Zealand Subordinated Notes (Sep 2031)
Bonds
New Zealand Fixed InterestNZ1.28%Asb (Sep 2030)
Bonds
New Zealand Fixed InterestNZ1.13%Asb (Oct 2026)
Bonds
New Zealand Fixed InterestNZ1.12%Channel Infrastructure Nz (May 2027)
Bonds
New Zealand Fixed InterestNZ1.09%Kiwibank Au (Sep 2030)
Bonds
New Zealand Fixed InterestNZ1.02%Westpac Nz (Nov 2030)
Bonds
New Zealand Fixed InterestNZ1.02%Nab Subordinated Notes (Nov 2035)
Bonds
International Fixed InterestAU0.95%
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.
0.67%
avg 0.70%
$201
avg $210
−0.03%Other
Other potential costs not in the categories below.
19.67%
avg 20.31%
-
avg -
−0.64%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.
0.86%
avg 3.44%
$258
avg $1,031
Yearly returns
3.60% 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: 3 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.
Fund details
The unsexy stats that matter
- Total fund value
- $14,230,294
- Members
- 362
- Asset liquidity ratio
- 100.00%
- Debt ratio
- 0.07%
- Default KiwiSaver fund
- No
- Fund reference
- FND825
Manager
Quaystreet Kiwisaver Scheme
Licensed with the Financial Markets Authority.
- NZBN
- 9429038512483
Smiths Health Check
Is the Quaystreet Conservative 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 →