MSF KiwiSaver Scheme

MSF KiwiSaver Scheme is a registered KiwiSaver scheme under the KiwiSaver Act 2006. It is a defined contribution superannuation scheme and has been established under an umbrella trust alongside Security Mutual Fund principally for the purpose of providing retirement benefits directly or indirectly in its scheme members. The scheme was established by deed on 21 December 2007.

Our aim

To achieve positive investment and good capital growth over the medium to longer term for our scheme members, through a range of asset classes including international and New Zealand shares, fixed interest securities, property and cash.

International shares
New Zealand shares
Fixed interest securities
Cash
Property

Our investment philosophy

To protect scheme members savings with us
To grow scheme members savings

Our investment strategy

Invest for the medium to long term
Diversification and income

MSF KiwiSaver Scheme Asset class Y/E 2011	Current Holdings

Fixed interest securities	33%
Unit interest in Security Mutual Fund	52%
Cash	12%
Other	3%
Total	100%

Diversification

Diversification is a powerful antidote to uncertainty, that is why our approach is careful, meaningful, measured diversification across asset classes to give our scheme members the best insurance against uncertainty.

MSF KiwiSaver Scheme investment allocations may vary at any time within the following asset classes:

New Zealand shares
International shares
New Zealand fixed interest securities
Property
Cash

Income

During uncertain times it becomes a great deal more tolerable if your investment is paying a dividend. This is why we aim to seek consistent returns and reduce volatility.

Investment performance

Because of financial market uncertainty in recent times MSF KiwiSaver Scheme has invested in fixed interest securities, cash and a unit interest in Security Mutual Fund. We will resume our investment strategy when we believe the market has settled sufficiently.

The following are the audited percentage returns before tax and membership activities:

Year	YE 2011	YE 2009
Return %	4.38%	(0.15%)

The returns shown above are expressed as a percentage of Net Assets Available for Benefits.

Why join MSF KiwiSaver Scheme?

Mutual Superannuation Fund Ltd (MSF) has been helping its contributors grow their money for over 41 years. MSF has:

A wealth of experience in superannuation,
A proven track record in investment, and
Has produced above average returns for its investors over the long term

MSF KiwiSaver Scheme gives its investors:

The opportunity to join a KiwiSaver Scheme which can gain from the benefit of MSF's experience and track record in the superannuation industry.
Respect - because we care about our investors and the funds that have been entrusted with us, and
Because we aim to achieve positive investment with good capital growth to ensure you retire with savings which have kept pace with, or exceeded inflation.

How to join our scheme

There are three ways to join our scheme:

By automatic enrolment when you start a new job
Through another KiwiSaver provider
Through your employer

What you need to know KiwiSaver (External Links)

(The links below will open into a new window)

The MSF KiwiSaver Scheme Prospectus

The MSF KiwiSaver Scheme Prospectus is available here:- MSF KiwiSaver Scheme Prospectus