Quaystreet Kiwisaver Scheme
Quaystreet Fixed Interest Fund
The Smiths take
Quaystreet Fixed Interest 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 Fixed Interest Fund fits your situation.
A 1+ year timeframe
This is a defensive KiwiSaver fund. The provider's recommended minimum holding period sits in the 1+ year 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
0% growth assets (shares, property) and 100% income assets (bonds, cash). Spread across multiple asset classes.
Snapshot
The headline numbers
Mix
0.00% / 100.00%
Growth / Income · avg 0.36% / 99.64%
Fees
0.86%
$258 on $30k · avg 1.22%
5-yr return
1.80%
Annualised, after fees & 28% PIR · avg 1.80%
What the provider says
In their own words
“The QuayStreet Fixed Interest Fund invests in a diversified portfolio of fixed interest and derivative investments, with an emphasis on corporate bonds. The investment objective is to provide a level of return above the New Zealand corporate fixed interest market over the long term, consistent with the Fund's benchmark. The Fund aims to make quarterly distributions.”
- Fund start date
- 31 October 2009
- 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 0.00% 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
0.00%
avg 0.23%
- Propertythis fundavg
0.00%
avg 0.14%
- Otherthis fundavg
0.00%
avg 0.00%
- Bondsthis fundavg
96.79%
avg 50.54%
- Cashthis fundavg
3.21%
avg 49.09%
What it owns
Top 10 holdings. 20.56% of the fund
The rest is spread across hundreds of other positions. Full holdings live in the provider's portfolio file.
Nz Lgfa (Apr 2033)
Bonds
New Zealand Fixed InterestNZ2.76%Vector (Oct 2026)
Bonds
New Zealand Fixed InterestNZ2.72%Asb (Oct 2026)
Bonds
New Zealand Fixed InterestNZ2.25%Anz New Zealand Subordinated Notes (Sep 2031)
Bonds
New Zealand Fixed InterestNZ2.00%Asb (Sep 2030)
Bonds
New Zealand Fixed InterestNZ1.90%Westpac Nz (Nov 2030)
Bonds
New Zealand Fixed InterestNZ1.86%Cash Anznz (Nzd)
Cash
Cash and Cash EquivalentsNZ1.83%Channel Infrastructure Nz (May 2027)
Bonds
New Zealand Fixed InterestNZ1.77%Kiwibank Au (Sep 2030)
Bonds
New Zealand Fixed InterestNZ1.75%Port Of Tauranga (Nov 2028)
Bonds
New Zealand Fixed InterestNZ1.72%
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 0.47%
$201
avg $140
+0.20%Other
Other potential costs not in the categories below.
0.00%
avg 0.23%
-
avg -
−0.23%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 1.22%
$258
avg $366
Yearly returns
1.80% 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
- $1,850,387
- Members
- 82
- Asset liquidity ratio
- 100.00%
- Debt ratio
- 0.07%
- Default KiwiSaver fund
- No
- Fund reference
- FND480
Manager
Quaystreet Kiwisaver Scheme
Licensed with the Financial Markets Authority.
- NZBN
- 9429038512483
Smiths Health Check
Is the Quaystreet Fixed Interest 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 →