Funds

Kōura KiwiSaver Rest Of World Equities Fund

Total Ethical Concerns: 8.57%

The average total concerns of all KiwiSaver aggressive funds is 10.67%.

Companies of Concern

  • Animal Cruelty 6.55%

    • Air Liquide
      1.36%
      1.36%
    • Hermès International Sca
      1.02%
      1.02%
    • Shin-Etsu Chemical Co., Ltd.
      0.63%
      0.63%
    • Givaudan SA
      0.49%
      0.49%
    • Otsuka Holdings Co., Ltd.
      0.35%
      0.35%
    • Henkel AG & Co. Kgaa
      0.27%
      0.27%
    • Kao Corp.
      0.26%
      0.26%
    • Novozymes A/S
      0.26%
      0.26%
    • Kering SA
      0.19%
      0.19%
    • Symrise AG
      0.17%
      0.17%
    • Beiersdorf AG
      0.16%
      0.16%
    • Covestro AG
      0.14%
      0.14%
    • Rentokil Initial
      0.14%
      0.14%
    • Akzo Nobel Nv
      0.13%
      0.13%
    • Mowi Asa
      0.11%
      0.11%
    • Unicharm Corp.
      0.11%
      0.11%
    • Nippon Paint Holdings Co., Ltd.
      0.09%
      0.09%
    • Shiseido Co., Ltd.
      0.09%
      0.09%
    • Kikkoman Corp.
      0.08%
      0.08%
    • Mitsubishi Gas Chemical Co., Inc.
      0.08%
      0.08%
    • Evonik Industries AG
      0.07%
      0.07%
    • Ricoh Co., Ltd.
      0.07%
      0.07%
    • Croda International PLC
      0.06%
      0.06%
    • Seiko Epson Corp.
      0.06%
      0.06%
    • The Swatch Group AG
      0.06%
      0.06%
    • Yakult Honsha Co., Ltd.
      0.06%
      0.06%
    • Yara International Asa
      0.06%
      0.06%
  • Human Rights Violations 0.65%

    • 0.21%
  • Social Harm 0.15%

  • Fossil Fuels 0.57%

    • Dassault Systèmes Se
      0.31%
      0.31%
    • Acs Actividades De Construcción Y Servicios SA
      0.13%
      0.13%
    • Intertek Group PLC
      0.13%
      0.13%
  • Weapons 0.23%

    • Mtu Aero Engines AG
      0.23%
      0.23%
  • Environmental Harm 0.55%

    • 0.34%
    • Mowi Asa
      0.11%
      0.11%
    • Wh Group
      0.10%
      0.10%

From the Fund Provider

  • About this fund

    About this Fund

    This Fund provides exposure to the share markets of Europe, Australasia, Singapore, Hong Kong, Japan and Israel. The Fund will invest in underlying funds to provide this desired exposure. The Fund expects to deliver a negative return once in every 3-4 years

    Value $38.4M NZD
    Period of data report 31st March 2025
    Members 5,886
    Fund started 23rd Oct. 2019
    Total annual fund fees 0.63%
    Total performance based fees 0.0%
    Manager's basic fee 0.51%
    Other management and administration charges 0.12%
    Total other charges 30.0
    Total other charges currency NZD

    Warren Couillault

    Currently: Chairman, Investment Committee Member (5 years, 11 months)
    Previously: CEO, Hobson Wealth (6 years, 8 months)

    Rupert Carlyon

    Currently: Managing Director , Investment Committee Member (6 years, 7 months)
    Previously: Director, KPMG (2 years, 0 months)

    David Moore

    Currently: Investment Committee Member (5 years, 11 months)
    Previously: Executive Director, UBS AG (29 years, 6 months)

    Nigel Scott

    Currently: Director, Investment Committee Member (4 years, 4 months)
    Previously: Non Executive-Director, Hobson Wealth (3 years, 8 months)

    This information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st March 2025.

  • Past Returns

    Past Returns

    Past annual returns for this fund are after fees and taxes. Please note that higher past returns do not always mean higher future returns.

    Year Market Average Fund Annual Return
    2025 4.37% 3.9%
    2024 16.75% 20.64%
    2023 -4.84% 7.25%
    2022 3.55% -4.01%
    2021 33.87% 25.44%

    The market average is the average return for funds of the same risk category, sourced from the Commission for Financial Capability's Sorted website. The fund information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st March 2025.

  • Investments

    Top 10 Investments

    • Ishares ESG Advanced Msci Eafe ETF

      United States International Equities

      99.33%
    • BNZ NZD Account

      New Zealand Cash and Equivalents AA-

      0.66%
    • BNZ USD Account

      New Zealand Cash and Equivalents AA-

      0.01%
    Type Target Actual
    Cash and Cash Equivalents 1.0% 0.67%
    New Zealand Fixed Interest 0.0% 0.0%
    International Fixed Interest 0.0% 0.0%
    Australasian Equities 0.0% 0.0%
    International Equities 99.0% 99.33%
    Listed Properties 0.0% 0.0%
    Unlisted Properties 0.0% 0.0%
    Other 0.0% 0.0%
    Commodities 0.0% 0.0%

    Investment Mix

    How the money in this fund is invested by asset type.

    This information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st March 2025.

This data is compiled by Mindful Money from the fund information and portfolios that each KiwiSaver fund has filed with the Disclose register to 31st March 2025 and Mindful Money analysis of funds within those portfolios. The list of companies of concern has been drawn from ratings agencies and public sources, including the Norwegian Sovereign Fund, NZ Super Fund, Sustainalytics and research organisations.

Please note that companies may breach more than one of these areas of concern.

The listing of companies of concern is based on definitions used in Mindful Money's methodology. These definitions may be different from the exclusions policy and definitions applied by the fund provider.

Mindful Money uses the term Mindful Funds as our standard for ethical investment and responsible investment. This does not imply that other funds are unethical or that the fund providers that do not meet these standards are unethical providers.

Issues of Concern

  • 6.55% Animal Cruelty
  • 0.65% Human Rights Violations
  • 0.15% Social Harm
  • 0.57% Fossil Fuels
  • 0.23% Weapons
  • 0.55% Environmental Harm

Companies of Concern

  • Animal Cruelty

    • Air Liquide
      1.36%
      1.36%
    • Hermès International Sca
      1.02%
      1.02%
    • Shin-Etsu Chemical Co., Ltd.
      0.63%
      0.63%
    • Givaudan SA
      0.49%
      0.49%
    • Otsuka Holdings Co., Ltd.
      0.35%
      0.35%
    • Henkel AG & Co. Kgaa
      0.27%
      0.27%
    • Kao Corp.
      0.26%
      0.26%
    • Novozymes A/S
      0.26%
      0.26%
    • Kering SA
      0.19%
      0.19%
    • Symrise AG
      0.17%
      0.17%
    • Beiersdorf AG
      0.16%
      0.16%
    • Covestro AG
      0.14%
      0.14%
    • Rentokil Initial
      0.14%
      0.14%
    • Akzo Nobel Nv
      0.13%
      0.13%
    • Mowi Asa
      0.11%
      0.11%
    • Unicharm Corp.
      0.11%
      0.11%
    • Nippon Paint Holdings Co., Ltd.
      0.09%
      0.09%
    • Shiseido Co., Ltd.
      0.09%
      0.09%
    • Kikkoman Corp.
      0.08%
      0.08%
    • Mitsubishi Gas Chemical Co., Inc.
      0.08%
      0.08%
    • Evonik Industries AG
      0.07%
      0.07%
    • Ricoh Co., Ltd.
      0.07%
      0.07%
    • Croda International PLC
      0.06%
      0.06%
    • Seiko Epson Corp.
      0.06%
      0.06%
    • The Swatch Group AG
      0.06%
      0.06%
    • Yakult Honsha Co., Ltd.
      0.06%
      0.06%
    • Yara International Asa
      0.06%
      0.06%
  • Human Rights Violations

    • 0.21%
  • Fossil Fuels

    • Dassault Systèmes Se
      0.31%
      0.31%
    • Acs Actividades De Construcción Y Servicios SA
      0.13%
      0.13%
    • Intertek Group PLC
      0.13%
      0.13%
  • Weapons

    • Mtu Aero Engines AG
      0.23%
      0.23%
  • Environmental Harm

    • 0.34%
    • Mowi Asa
      0.11%
      0.11%
    • Wh Group
      0.10%
      0.10%

About this Fund

This Fund provides exposure to the share markets of Europe, Australasia, Singapore, Hong Kong, Japan and Israel. The Fund will invest in underlying funds to provide this desired exposure. The Fund expects to deliver a negative return once in every 3-4 years

Value $38.4M NZD
Period of data report 31st March 2025
Members 5,886
Fund started 23rd Oct. 2019
Total annual fund fees 0.63%
Total performance based fees 0.0%
Manager's basic fee 0.51%
Other management and administration charges 0.12%
Total other charges 30.0
Total other charges currency NZD

Warren Couillault

Currently: Chairman, Investment Committee Member (5 years, 11 months)
Previously: CEO, Hobson Wealth (6 years, 8 months)

Rupert Carlyon

Currently: Managing Director , Investment Committee Member (6 years, 7 months)
Previously: Director, KPMG (2 years, 0 months)

David Moore

Currently: Investment Committee Member (5 years, 11 months)
Previously: Executive Director, UBS AG (29 years, 6 months)

Nigel Scott

Currently: Director, Investment Committee Member (4 years, 4 months)
Previously: Non Executive-Director, Hobson Wealth (3 years, 8 months)

This information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st March 2025.

Past Returns

Past annual returns for this fund are after fees and taxes. Please note that higher past returns do not always mean higher future returns.

Year Market Average Fund Annual Return
2025 4.37% 3.9%
2024 16.75% 20.64%
2023 -4.84% 7.25%
2022 3.55% -4.01%
2021 33.87% 25.44%

The market average is the average return for funds of the same risk category, sourced from the Commission for Financial Capability's Sorted website. The fund information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st March 2025.

Top 10 Investments

  • Ishares ESG Advanced Msci Eafe ETF

    United States International Equities

    99.33%
  • BNZ NZD Account

    New Zealand Cash and Equivalents AA-

    0.66%
  • BNZ USD Account

    New Zealand Cash and Equivalents AA-

    0.01%
Type Target Actual
Cash and Cash Equivalents 1.0% 0.67%
New Zealand Fixed Interest 0.0% 0.0%
International Fixed Interest 0.0% 0.0%
Australasian Equities 0.0% 0.0%
International Equities 99.0% 99.33%
Listed Properties 0.0% 0.0%
Unlisted Properties 0.0% 0.0%
Other 0.0% 0.0%
Commodities 0.0% 0.0%

Investment Mix

How the money in this fund is invested by asset type.

This information has been sourced from the quarterly data that each KiwiSaver fund has filed with Disclose register to 31st March 2025.