Funds

OneAnswer KiwiSaver Sustainable International Share Fund

Total Ethical Concerns: 12.68%

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

Companies of Concern

  • Animal Cruelty 5.83%

    • 1.26%
    • Unilever PLC
      0.59%
      0.59%
    • 3M
      0.50%
      0.50%
    • Ecolab, Inc.
      0.50%
      0.50%
    • Hermès International Sca
      0.49%
      0.49%
    • Kimberly-Clark Corp.
      0.45%
      0.45%
    • The Clorox Co.
      0.41%
      0.41%
    • Colgate-Palmolive Co.
      0.38%
      0.38%
    • L'Oréal SA
      0.38%
      0.38%
    • PPG Industries, Inc.
      0.38%
      0.38%
    • Exxon Mobil Corp.
      0.24%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.24%
    • Givaudan SA
      0.23%
      0.23%
    • The Sherwin-Williams Co.
      0.03%
      0.03%
  • Human Rights Violations 1.81%

    • 1.37%
    • 0.44%
  • Social Harm 0.43%

  • Fossil Fuels 4.27%

    • Enel
      0.49%
      1.5°C
      This company is on a 1.5°C pathway
      0.49%
    • Equinor Asa
      0.46%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.46%
    • Valero Energy Corp.
      0.46%
      0.46%
    • Itochu Corp.
      0.43%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.43%
    • The Williams Cos., Inc.
      0.41%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.41%
    • Endesa SA
      0.39%
      1.5°C
      This company is on a 1.5°C pathway
      0.39%
    • Marathon Petroleum Corp.
      0.37%
      0.37%
    • Cheniere Energy, Inc.
      0.31%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.31%
    • Dassault Systèmes Se
      0.27%
      0.27%
    • Exxon Mobil Corp.
      0.24%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.24%
    • Keyera Corp.
      0.24%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.24%
    • Halliburton Co.
      0.12%
      0.12%
    • 0.04%
    • Contact Energy Ltd.
      0.02%
      1.5°C
      This company is on a 1.5°C pathway
      0.02%
    • Duke Energy Corp
      0.02%
      0.02%
  • Weapons 0.07%

    • 0.07%
  • Environmental Harm 1.62%

    • Unilever PLC
      0.59%
      0.59%
    • 3M
      0.50%
      0.50%
    • Danone
      0.44%
      0.44%
    • Fonterra
      0.07%
      0.07%
    • Duke Energy Corp
      0.02%
      0.02%

Fund Provider Response

At ANZ, our approach to responsible investment includes ESG integration, stewardship, and exclusions. We integrate ESG considerations in our evaluation of companies and selection of external investment managers. We demonstrate stewardship through direct engagement and proxy voting and indirectly through the expectations we have of our external managers. We also exclude some companies and industries based on their involvement in specified activities, or for breaching global norms. Please see our website for further information on our approach to responsible investment: https://www.anz.co.nz/personal/investing-kiwisaver/about-anz-investments/responsible-investing/

From the Fund Provider

  • About this fund

    About this Fund

    The Sustainable International Share Fund invests mainly in international equities with a focus on environmental, social and governance (ESG) considerations. Investments may include: Equities in companies that are listed on a recognised stock exchange, and cash and cash equivalents. The Sustainable International Share Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long-term outperforms the relevant market index.

    Value $55.4M NZD
    Period of data report 31st March 2025
    Members 869
    Fund started 25th Aug. 2008
    Total annual fund fees 0.91%
    Total performance based fees 0.0%
    Manager's basic fee 0.85%
    Other management and administration charges 0.06%
    Total other charges 0.0
    Total other charges currency NZD

    George Crosby

    Currently: Chief Investment Officer (1 years, 1 months)
    Previously: General Manager Portfolio Completion, New Zealand Superannuation Fund (2 years, 9 months)

    Mathew Young

    Currently: Deputy Chief Investment Officer (1 years, 0 months)
    Previously: Head of FX Strategy and Implementation, ANZ Bank New Zealand Limited (5 years, 1 months)

    Qing Ding

    Currently: Head of Asset Allocation (0 years, 7 months)
    Previously: Portfolio Manager, New Zealand Superannuation Fund (2 years, 2 months)

    Paul Gregory

    Currently: Head of Investment Partnerships (1 years, 0 months)
    Previously: Executive Director, Response and Enforcement, Financial Markets Authority (3 years, 4 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% 8.96%
    2024 16.75% 27.31%
    2023 -4.84% 2.23%
    2022 3.55% 11.7%
    2021 33.87% 35.57%
    2020 -6.10% 13.29%
    2019 10.35% 8.4%
    2018 6.95% 8.14%
    2017 10.40% 7.67%
    2016 4.51% 1.58%

    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

    • Apple Inc

      United States International Equities

      5.64%
    • Nvidia Corporation

      United States International Equities

      4.58%
    • Microsoft Corporation

      United States International Equities

      3.41%
    • Alphabet Inc

      United States International Equities

      3.14%
    • Amazon.Com Inc

      United States International Equities

      2.35%
    • Jpmorgan Chase & Co

      United States International Equities

      1.68%
    • Meta Platforms Inc

      United States International Equities

      1.37%
    • Procter & Gamble Co

      United States International Equities

      1.26%
    • Home Depot Inc

      United States International Equities

      1.08%
    • Abbvie Inc

      United States International Equities

      1.02%
    Type Target Actual
    Cash and Cash Equivalents 0.0% 0.02%
    New Zealand Fixed Interest 0.0% 0.0%
    International Fixed Interest 0.0% 0.0%
    Australasian Equities 0.0% 0.0%
    International Equities 100.0% 99.98%
    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

  • 5.83% Animal Cruelty
  • 1.81% Human Rights Violations
  • 0.43% Social Harm
  • 4.27% Fossil Fuels
  • 0.07% Weapons
  • 1.62% Environmental Harm

Companies of Concern

  • Animal Cruelty

    • 1.26%
    • Unilever PLC
      0.59%
      0.59%
    • 3M
      0.50%
      0.50%
    • Ecolab, Inc.
      0.50%
      0.50%
    • Hermès International Sca
      0.49%
      0.49%
    • Kimberly-Clark Corp.
      0.45%
      0.45%
    • The Clorox Co.
      0.41%
      0.41%
    • Colgate-Palmolive Co.
      0.38%
      0.38%
    • L'Oréal SA
      0.38%
      0.38%
    • PPG Industries, Inc.
      0.38%
      0.38%
    • Exxon Mobil Corp.
      0.24%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.24%
    • Givaudan SA
      0.23%
      0.23%
    • The Sherwin-Williams Co.
      0.03%
      0.03%
  • Human Rights Violations

    • 1.37%
    • 0.44%
  • Fossil Fuels

    • Enel
      0.49%
      1.5°C
      This company is on a 1.5°C pathway
      0.49%
    • Equinor Asa
      0.46%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.46%
    • Valero Energy Corp.
      0.46%
      0.46%
    • Itochu Corp.
      0.43%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.43%
    • The Williams Cos., Inc.
      0.41%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.41%
    • Endesa SA
      0.39%
      1.5°C
      This company is on a 1.5°C pathway
      0.39%
    • Marathon Petroleum Corp.
      0.37%
      0.37%
    • Cheniere Energy, Inc.
      0.31%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.31%
    • Dassault Systèmes Se
      0.27%
      0.27%
    • Exxon Mobil Corp.
      0.24%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.24%
    • Keyera Corp.
      0.24%
      !!
      This company is expanding their fossil fuel production and
      is off track with the UN target to limit global temperature
      rise to 1.5°C
      0.24%
    • Halliburton Co.
      0.12%
      0.12%
    • 0.04%
    • Contact Energy Ltd.
      0.02%
      1.5°C
      This company is on a 1.5°C pathway
      0.02%
    • Duke Energy Corp
      0.02%
      0.02%
  • Weapons

    • 0.07%
  • Environmental Harm

    • Unilever PLC
      0.59%
      0.59%
    • 3M
      0.50%
      0.50%
    • Danone
      0.44%
      0.44%
    • Fonterra
      0.07%
      0.07%
    • Duke Energy Corp
      0.02%
      0.02%

Fund Provider Response

At ANZ, our approach to responsible investment includes ESG integration, stewardship, and exclusions. We integrate ESG considerations in our evaluation of companies and selection of external investment managers. We demonstrate stewardship through direct engagement and proxy voting and indirectly through the expectations we have of our external managers. We also exclude some companies and industries based on their involvement in specified activities, or for breaching global norms. Please see our website for further information on our approach to responsible investment: https://www.anz.co.nz/personal/investing-kiwisaver/about-anz-investments/responsible-investing/

About this Fund

The Sustainable International Share Fund invests mainly in international equities with a focus on environmental, social and governance (ESG) considerations. Investments may include: Equities in companies that are listed on a recognised stock exchange, and cash and cash equivalents. The Sustainable International Share Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long-term outperforms the relevant market index.

Value $55.4M NZD
Period of data report 31st March 2025
Members 869
Fund started 25th Aug. 2008
Total annual fund fees 0.91%
Total performance based fees 0.0%
Manager's basic fee 0.85%
Other management and administration charges 0.06%
Total other charges 0.0
Total other charges currency NZD

George Crosby

Currently: Chief Investment Officer (1 years, 1 months)
Previously: General Manager Portfolio Completion, New Zealand Superannuation Fund (2 years, 9 months)

Mathew Young

Currently: Deputy Chief Investment Officer (1 years, 0 months)
Previously: Head of FX Strategy and Implementation, ANZ Bank New Zealand Limited (5 years, 1 months)

Qing Ding

Currently: Head of Asset Allocation (0 years, 7 months)
Previously: Portfolio Manager, New Zealand Superannuation Fund (2 years, 2 months)

Paul Gregory

Currently: Head of Investment Partnerships (1 years, 0 months)
Previously: Executive Director, Response and Enforcement, Financial Markets Authority (3 years, 4 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% 8.96%
2024 16.75% 27.31%
2023 -4.84% 2.23%
2022 3.55% 11.7%
2021 33.87% 35.57%
2020 -6.10% 13.29%
2019 10.35% 8.4%
2018 6.95% 8.14%
2017 10.40% 7.67%
2016 4.51% 1.58%

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

  • Apple Inc

    United States International Equities

    5.64%
  • Nvidia Corporation

    United States International Equities

    4.58%
  • Microsoft Corporation

    United States International Equities

    3.41%
  • Alphabet Inc

    United States International Equities

    3.14%
  • Amazon.Com Inc

    United States International Equities

    2.35%
  • Jpmorgan Chase & Co

    United States International Equities

    1.68%
  • Meta Platforms Inc

    United States International Equities

    1.37%
  • Procter & Gamble Co

    United States International Equities

    1.26%
  • Home Depot Inc

    United States International Equities

    1.08%
  • Abbvie Inc

    United States International Equities

    1.02%
Type Target Actual
Cash and Cash Equivalents 0.0% 0.02%
New Zealand Fixed Interest 0.0% 0.0%
International Fixed Interest 0.0% 0.0%
Australasian Equities 0.0% 0.0%
International Equities 100.0% 99.98%
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.