Consistent long-term performance
Introducing the Midlands
Smarter PIE Fund
The Midlands Smarter PIE Fund provides a smart, conservative and flexible investment option that has delivered consistent, regular returns to thousands of New Zealanders wanting to save for their future big stuff, grow their long term wealth, protect their nest egg or enjoy the fruits of their hard work with our quarterly cash income payments. Best of all, your investment is available when you need it.
It’s how investing should be.
Proven performance that will make you grin.
We provide proven, consistent returns that give you a regular income for now
or build long term wealth for later. It’s your money and your choice.
Latest Annualised cash return, after fees but before tax
For quarter ended 30th September 2024. Past performance is not a reliable indicator of future performance.
Consistent Returns from a Low Risk Investment.
Now that’s smart.
This graph shows Midlands Smarter PIE Funds annualised quarterly returns, after fees but before tax returns. The ‘10 Year Avg.’ bar represents the Fund’s average
annual return after fees but before tax for ten years ending 30 September 2024. Past performance is not a reliable indicator of future performance.
Latest quarter annualised return
6.90%
(as at 30/09/2024 after fees but before tax^)
10 year average annualised return
5.26%
(as at 30/09/2024 after fees but before tax^)
If you had invested $100,000 in June 2014, today it would be worth
$141,542*
(as at 30/09/2024 after fees and before tax^)
Minimum Investment
$10,000
We do consider lesser amounts. Just ask.
Fund Inception
Nov 2004
We’re 20 years old.
*Performance of the Midlands Smarter PIE Fund. Past performance is not a reliable indicator of future performance. The Government provides the formula for calculating our ‘Risk Rating’ score. A risk rating of “1” does not indicate a risk-free investment – see our Product Disclosure Statement for more information.
*This scenario assumes the investor was taxed at the highest marginal tax rate for a PIE Fund (28%) in each year and compounded their returns. If an investor’s tax rate was lower, then the value of their investment would be a higher amount.
BETTER RETURNS FROM AN ON CALL INVESTMENT. NOW THAT’S SMART.
If you’re looking for a conservative investment with proven, consistent returns, you’re in the right place. Our returns consistently surpass average returns from bank term deposits and moderate kiwiSaver funds over corresponding periods, as can be seen by the graph below:
This graph shows annualised returns, after fees but before tax for the past 5 years, unless otherwise stated. Past performance is not a reliable indicator of future performance.
Midlands 5 Year Data from Oct 2019 – Sept 2024. Bank Term Deposit Data Source: Reserve Bank of NZ Statistics Series B26 June 2024 Report, Sept 2019 – Aug 2024. Kiwisaver Data Source: Morningstar Report Juue 2024.
The Risk Rating is rated from 1 (low) to 7 (high). A higher risk rating generally means higher potential rate of returns over time, but more ups and downs along the way. A risk rating of 1 does not indicate a risk-free investment.
Why smarter investors choose midlands
Low risk investing
Midlands’ Risk Rating is 1 out of 7. That’s the lowest risk rating possible for a NZ retail fund.*
On Call Investing
Your funds are on call, which means they’re available when you need them. It’s how investing should be.
Regular Cash Returns
Receive regular income every quarter OR reinvest your returns to build long term wealth. It’s your choice.
Say hello to a real human
At Midlands, you deal with
real humans. No Al, chatbots or robots around here. Hallelujah!
Trusted for 120 years
The origins of Midlands go all the way back to 1896. That’s over 120 years of smart investing.
We have skin in the game
Many Midlands staff, directors and shareholders have their own personal money invested alongside yours.
Secured by Bricks & Morter
Your investment is secured by real NZ land and property assets. Now that’s smart.
Managed by Experts
Our team has over 180 years of experience in banking and finance, so your investments are in good hands.
*The Government provides the formula for calculating our ‘Risk Rating’ score.
A risk rating of “1” does not indicate a risk-free investment – see our Product Disclosure Statement for more information.
When you invest with Midlands, you have choices.
Our investors benefit from consistently good returns, and they can choose what to do with those returns.
Reinvest them to build long term wealth OR enjoy your returns as you earn them. Better still, you can switch between these options at any time.
Option 1
Cash returns
paid every quarter
One of the great things about investing with Midlands is that you can receive regular income from your investment. By choosing to have your returns paid out every quarter, you have ready access to the money you’re making off your money! You can’t argue with that.
Option 2
Reinvest returns &
watch your money grow
If you’d rather see your money grow more, for longer, you can choose to reinvest your returns. That way, you take advantage of compounding returns and watch your money work even harder! Makes great sense, doesn’t it.
Ready to invest smarter?
Call Sandy!
Sandy is your first point of call at Midlands. Bright, bubbly and astute, Sandy has 33 years of banking and investment experience. She left the big bankie stuff behind for the clever, welcoming and down to earth approach Midlands is known for. She’ll guide you through every step of the process over the phone, email or maybe even a cuppa.
request a callback
“Sandy’s been awesome to deal with. Nothing’s a problem, basically. I can ring her any time”
Happy Midlands Customer