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deposit rates

Cash PIE and Term PIE rates

New tax rules of Portfolio Investment Entities (PIEs) provide benefits for people who pay tax at more than 30%.

If you're in the 30% or 33% tax bracket, you can potentially earn more from your investment because under the rules the fund pays tax at 30%, so investors who put money into these funds are only taxed at that rate.

        Equiv. gross return  
Institution   Min Advertised
Rate
30%
taxpayer
33%
taxpayer
Interest
Compounds
      ascendingdescending ascendingdescending ascendingdescending  
CASH FUNDS Fund name  
ANZ Call Fund $2000 3.00 3.09 3.22 Quarterly
ASB Bank Cash Fund $500 3.15 3.29 3.44 Monthly
BNZ Cash PIE $1000 3.66 3.82 3.92 Monthly
Direct Broking Call Account Call Account $1 2.80 2.92 3.05 Monthly
First Mortgage Trust PIE Trust $500 5.01 5.23 5.66 Quarterly
Forsyth Barr Cash Management Trust $3000 2.50 2.61 2.82 Annually
Forsyth Barr Cash Management Trust $20000 2.75 2.87 3.10 Annually
Forsyth Barr Cash Management Trust $50000 3.25 3.40 3.67 Annually
Forsyth Barr Cash Management Trust $250000 3.50 3.66 3.95 Annually
HSBC Premier Cash Fund $10000 2.20 2.26 2.36 Daily
Kiwibank PIE Online Call Fund - Base $2000 2.40 2.50 2.61 Monthly
Kiwibank PIE Online Call Fund - no withdrawals $2000 3.15 3.29 3.44 Monthly
Marac Call PIE $1000 4.50 4.73 4.95 Daily
National Bank Call Fund $1 3.00 3.13 3.27 Quarterly
Nelson Building Society Lifestages PIE $10000 3.75 3.90 4.08 Annually
RaboDirect Cash Advantage Fund $250 3.40 3.54 3.70 Daily
SBS Bank Lifestages $5000 3.20 3.90 4.08 Quarterly
Spicers Premium Plus $5000 2.75 2.85 2.98 Monthly
TSB Bank Cash Fund - 3.75 3.90 4.07 Quarterly
UDC Investments Call Maximiser $5000 3.00 3.12 3.26 Quarterly
Westpac Cash Plus Trust $5000 3.00 3.13 3.27 Monthly
        Equiv. gross return  
Institution   Min Advertised
Rate
30%
taxpayer
33%
taxpayer
Interest
Compounds
      ascendingdescending ascendingdescending ascendingdescending  
TERM FUNDS - 90 days Fund name  
ANZ Term Fund $5000 4.00 4.17 4.36 Quarterly
ASB Bank Term Fund $10000 3.50 3.66 3.83 At Maturity
BNZ Term PIE $5000 3.50 3.58 3.75 At Maturity
Kiwibank Term Deposit Fund $10000 3.30 3.60 3.55 At Maturity
National Bank Term Fund $5000 3.25 3.37 3.52 Quarterly
Westpac Term Fund $10000 3.25 3.34 3.49 Quarterly
TERM FUNDS - 120 days Fund name  
BNZ Term PIE $5000 3.50 3.58 3.75 Monthly
Kiwibank Term Deposit Fund $10000 3.40 3.60 3.65 At Maturity
TERM FUNDS - 150 days Fund name  
BNZ Term PIE $5000 3.60 0.00 0.00 Monthly
Kiwibank Term Deposit Fund $10000 4.40 3.91 4.73 At Maturity
TERM FUNDS - 6 months Fund name  
ASB Bank Term Fund $10000 4.40 4.52 4.72 At Maturity
BNZ Term PIE $5000 4.00 4.18 4.37 Quarterly
HSBC Premier Term Fund $10000 4.15 4.27 4.46 At Maturity
Kiwibank Term Deposit Fund $10000 3.90 4.11 4.19 At Maturity
National Bank Term Fund $5000 4.00 4.17 4.36 Quarterly
RaboDirect Term Advantage Fund $1000 4.30 4.42 4.62  
The Co-operative Bank PIE Term Fund $5000 4.25 4.37 4.57 At Maturity
Westpac Term Fund $10000 4.00 4.11 4.30 At Maturity
        Equiv. gross return  
Institution   Min Advertised
Rate
30%
taxpayer
33%
taxpayer
Interest
Compounds
      ascendingdescending ascendingdescending ascendingdescending  
TERM FUNDS - 9 months Fund name  
ASB Bank Term Fund $10000 4.35 4.55 4.75  
BNZ Term PIE $5000 4.40 4.60 4.81 Quarterly
HSBC Premier Term Fund $10000 4.15 4.27 4.46 At Maturity
Westpac Term Fund $10000 4.00 4.11 4.30 At Maturity
TERM FUNDS - 12 months Fund name  
ASB Bank Term Fund $10000 4.45 4.68 4.89 At Maturity
BNZ Term PIE $5000 4.50 4.71 4.92 Quarterly
Kiwibank Term Deposit Fund $10000 4.50 4.63 4.84 At Maturity
Marac Term Deposit PIE $1000 6.00 6.30 6.58 Quarterly
National Bank Term Fund $5000 4.10 4.27 4.47 Annually
RaboDirect Term Advantage Fund $1000 4.60 4.73 4.94  
The Co-operative Bank PIE Term Fund $5000 4.35 4.47 4.67 At Maturity
Westpac Term Fund $10000 4.25 4.44 4.64 Quarterly
        Equiv. gross return  
Institution   Min Advertised
Rate
30%
taxpayer
33%
taxpayer
Interest
Compounds
      ascendingdescending ascendingdescending ascendingdescending  
TERM FUNDS - 18 months Fund name  
ASB Bank Term Fund $10000 4.50 4.73 4.95 At Maturity
BNZ Term PIE $5000 4.50 4.71 4.92 Quarterly
UDC Investments Term Maximiser $5000 4.65 4.95 5.17 At Maturity
TERM FUNDS - 24 months Fund name  
ASB Bank Term Fund $10000 4.75 5.00 5.23 At Maturity
BNZ Term PIE $5000 4.80 5.03 5.25 Quarterly
The Co-operative Bank PIE Term Fund $5000 4.65 4.78 4.99 At Maturity
Westpac Term Fund $10000 4.80 5.03 5.25 Quarterly
TERM FUNDS - 5 years Fund name  
ASB Bank Term Fund $10000 5.50 5.80 6.06 At Maturity
BNZ Term PIE $5000 6.00 6.33 6.61 Quarterly

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Previous News
Cash PIE Rates
Institution Rate 33% 39%
ANZ 3.00 3.09 3.22
ASB Bank 3.15 3.29 3.44
BNZ 3.66 3.82 3.92
Direct Broking Call Account 2.80 2.92 3.05
First Mortgage Trust 5.01 5.23 5.66
Forsyth Barr 3.50 3.66 3.95
Forsyth Barr 3.25 3.40 3.67
Forsyth Barr 2.75 2.87 3.10
Forsyth Barr 2.50 2.61 2.82
HSBC Premier 2.20 2.26 2.36
Kiwibank 2.40 2.50 2.61
Kiwibank 3.15 3.29 3.44
Marac 4.50 4.73 4.95
National Bank 3.00 3.13 3.27
Nelson Building Society 3.75 3.90 4.08
RaboDirect 3.40 3.54 3.70
SBS Bank 3.20 3.90 4.08
TSB Bank 3.75 3.90 4.07
UDC Investments 3.00 3.12 3.26
Westpac 3.00 3.13 3.27

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