Civic Assurance has designed a superannuation package exclusively for Local Government staff which includes:

SuperEasy KiwiSaver

and SuperEasy

You can join one or both parts, structuring your retirement savings according to your individual needs and circumstances.

For full details see: www.supereasy.co.nz

Four Key Features: available on both SuperEasy KiwiSaver and SuperEasy.

Automatic Fund:  You have the option of investing in the Automatic Fund; a real advance in retirement savings.  This solves the inherent problem that exists in all other investment and superannuation funds, which is when to switch from growth (higher risk) assets to income (lower risk) assets.  As far as we are aware there is no other fund on the market that will work exactly like SuperEasy's Automatic Fund.

Low Fees:  Once you join, irrespective of your circumstance you can remain a member for as long as you choose and you will enjoy our low wholesale fees.

Lower Tax on Investment Earnings  Both SuperEasy KiwiSaver and SuperEasy are "PIE-compliant" and will allow tax flow through.  This means for example that if your income falls below a certain level you can have your earnings in the scheme taxed at 19.5% rather than the flat 30% rate that would otherwise apply.  Less tax paid on your earnings means there will be more in your account balance. 

Combining KiwiSaver and SuperEasy all in one package:  As SuperEasy is offered in two parts, you are able to join SuperEasy KiwiSaver or SuperEasy or both.  This allows you to structure your retirement savings according to your individual needs and circumstances, and you can check both account balances on the one web page.

Want more information?  If you would like more information on any aspect of SuperEasy KiwiSaver or SuperEasy this is available in the Investment Statement and Prospectus.  This can be found on the SuperEasy Website www.supereasy.co.nz, or by contacting:

Ian Brown
Superannuation Manager
Civic Assurance
Phone: (04) 978 1263
Email: ian.brown@civicassurance.co.nz

Level 9, Civic Assurance House
114-118 Lambton Quay
Wellington 6011

PO Box 5521
Wellington 6145