Cook Islands National Superannuation Fund

Choose the right investment for you…

The Cook Islands National Superannuation provides you with three different investment options (or Funds). To help you choose the right Fund, we’ve put together this simple questionnaire as a guide to selecting the Fund most suited to you based on your answers.

The members handbook…

The Cook Islands National Superannuation provides information about the Fund, how it works, who is responsible for looking after the members, the benefits, and the investment options for members in full detail in the new Members Handbook.

6.8%

2020 Declared Rate

Conservative

$186,788,109

Balance at 30 June 2021

0.5%

YTD Interim Crediting Rate.

Interim Crediting Rate is Net of fees & costs.

The Conservative Fund invests in a high proportion of income assets (like bonds). This means that returns are likely to be lower over the longer term than a fund with a larger proportion of growth assets (like shares). There may be some movements up or down in the value of your retirement savings. Returns can vary and at times may be low or negative. An investment in the Conservative Fund is usually best if you have a short time until you retire, or a low tolerance for risk.

8.1%

2020 Declared Rate

Balanced

$15,406,461

Balance at 30 June 2021

3.5%

YTD Interim Crediting Rate

Interim Crediting Rate is Net of fees & costs.

The Balanced Fund invests in a higher proportion of growth assets (like shares). This means that there will be more movements up or down in the value of your retirement savings than an investor in the Conservative Fund will have. Returns can vary and at times may be low or negative. An investment in the Balanced Fund may be preferable if you have seven to ten years until retirement.

9.7%

2020 Declared Rate

Growth

$4,824,124

Balance at 30 June 2021

5.5%

YTD Interim Crediting Rate

Interim Crediting Rate is Net of fees & costs.

The Growth Fund invests in a high proportion of growth assets (like shares). This means that there will be more movements up or down in the value of your investments, but with bigger potential gains than the other funds over the long term (10 years plus). Returns will vary and be low or negative at times. The Growth Fund may be preferable if you have a long time to retirement, or an appetite for higher risk.

Te vaitata ai nei koe i te koi moni pakari. Taniuniu mai ia matou +682 25515

Choose the right investment for you…

The members handbook…

6.8%

Conservative

$186,788,109

0.5%

8.1%

Balanced

$15,406,461

3.5%

9.7%

Growth

$4,824,124

5.5%

Latest News

Fund Performance as at 30th June 2021

CINSF Change to Contribution Rates July 2021

CINSF Annual Report and Financial Accounts 2020

Fund Performance as at 31 May 2021

Fund Performance as at 30 April 2021

Fund Performance as at 31 March 2021

Changes to Pensioner Benefits

Fund Performance as at 28 February 2021