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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  
TERM FUNDS - 5 years Fund name  
ASB Bank Term Fund $10000 4.10 4.28 4.48 At Maturity
CASH FUNDS Fund name  
Nelson Building Society Lifestages PIE $10000 3.75 3.90 4.08 Annually
TERM FUNDS - 5 years Fund name  
ANZ Term Fund - 3.70 3.81 3.98 At Maturity
TERM FUNDS - 9 months Fund name  
Heartland Bank Term Deposit PIE $1000 3.70 3.85 4.02 Quarterly
TERM FUNDS - 24 months Fund name  
Westpac Term PIE Fund $10000 3.70 3.79 3.96 At Maturity
TERM FUNDS - 5 years Fund name  
BNZ Term PIE $5000 3.70 3.86 4.04 Monthly
Heartland Bank Term Deposit PIE $1000 3.70 3.85 4.02 Quarterly
TERM FUNDS - 24 months Fund name  
ASB Bank Term Fund $10000 3.65 3.81 3.98 At Maturity
TERM FUNDS - 9 months Fund name  
ANZ Term Fund - 3.60 3.70 3.87 At Maturity
TERM FUNDS - 18 months Fund name  
ANZ Term Fund - 3.60 3.70 3.87 At Maturity
TERM FUNDS - 9 months Fund name  
ASB Bank Term Fund $10000 3.60 3.75 3.92 At Maturity
BNZ Term PIE $5000 3.60 3.75 3.92 Monthly
        Equiv. gross return  
Institution   Min Advertised
Rate
30%
taxpayer
33%
taxpayer
Interest
Compounds
      ascendingdescending ascendingdescending ascendingdescending  
TERM FUNDS - 6 months Fund name  
Kiwibank Term Deposit Fund $10000 3.60 3.70 3.87 At Maturity
TERM FUNDS - 18 months Fund name  
ASB Bank Term Fund $10000 3.50 3.65 3.81 At Maturity
TERM FUNDS - 24 months Fund name  
ANZ Term Fund - 3.50 3.60 3.76 At Maturity
TERM FUNDS - 6 months Fund name  
RaboDirect Term Advantage Fund $1000 3.50 3.60 3.76 At Maturity
TERM FUNDS - 18 months Fund name  
BNZ Term PIE $5000 3.50 3.65 3.81 Monthly
TERM FUNDS - 6 months Fund name  
Co-operative Bank PIE Term Fund $5000 3.40 0.00 0.00 At Maturity
TERM FUNDS - 120 days Fund name  
Westpac Term PIE Fund $10000 3.40 3.49 3.65 At Maturity
TERM FUNDS - 12 months Fund name  
RaboDirect Term Advantage Fund $1000 3.40 3.50 3.65 At Maturity
Westpac Term PIE Fund $10000 3.40 3.49 3.65 At Maturity
Heartland Bank Term Deposit PIE $1000 3.40 3.53 3.69 Quarterly
TERM FUNDS - 6 months Fund name  
Westpac Term PIE Fund $10000 3.35 3.44 3.60 At Maturity
        Equiv. gross return  
Institution   Min Advertised
Rate
30%
taxpayer
33%
taxpayer
Interest
Compounds
      ascendingdescending ascendingdescending ascendingdescending  
TERM FUNDS - 24 months Fund name  
BNZ Term PIE $5000 3.35 3.49 3.65 Monthly
TERM FUNDS - 6 months Fund name  
ANZ Term fund - 3.35 3.45 3.60 At Maturity
TERM FUNDS - 12 months Fund name  
Kiwibank Term Deposit Fund $10000 3.35 3.44 3.60 At Maturity
ANZ Term fund - 3.35 3.45 3.60 At Maturity
TERM FUNDS - 18 months Fund name  
Heartland Bank Term Deposit PIE $1000 3.30 0.00 0.00 Quarterly
TERM FUNDS - 6 months Fund name  
Heartland Bank Term Deposit PIE $1000 3.30 3.43 3.58 Quarterly
TERM FUNDS - 24 months Fund name  
Heartland Bank Term Deposit PIE $1000 3.30 3.43 3.58 Quarterly
TERM FUNDS - 150 days Fund name  
BNZ Term PIE $5000 3.30 3.38 3.53 Monthly
ANZ Term Fund - 3.25 3.34 3.49 At Maturity
TERM FUNDS - 12 months Fund name  
BNZ Term PIE $5000 3.25 3.38 3.53 Monthly
ASB Bank Term Fund $10000 3.20 3.33 3.48 At Maturity
        Equiv. gross return  
Institution   Min Advertised
Rate
30%
taxpayer
33%
taxpayer
Interest
Compounds
      ascendingdescending ascendingdescending ascendingdescending  
TERM FUNDS - 18 months Fund name  
Westpac Term PIE Fund $10000 3.20 3.29 3.43 At Maturity
TERM FUNDS - 6 months Fund name  
ASB Bank Term Fund $10000 3.20 3.29 3.43 At Maturity
BNZ Term PIE $5000 3.15 3.28 3.42 Monthly
TERM FUNDS - 9 months Fund name  
Westpac Term PIE Fund $10000 3.10 3.17 3.32 At Maturity
TERM FUNDS - 120 days Fund name  
ANZ Term Fund - 3.00 3.09 3.22 At Maturity
Kiwibank Term Deposit Fund $10000 3.00 3.08 3.22 At Maturity
BNZ Term PIE $5000 3.00 0.00 0.00 Monthly
TERM FUNDS - 150 days Fund name  
Kiwibank Term Deposit Fund $10000 3.00 3.08 3.22 At Maturity
TERM FUNDS - 90 days Fund name  
RaboDirect Term Advantage Fund $1000 2.85 2.93 3.06 At Maturity
TERM FUNDS - 150 days Fund name  
Westpac Term PIE Fund $10000 2.80 2.88 3.00 At Maturity
TERM FUNDS - 90 days Fund name  
BNZ Term PIE $5000 2.75 2.82 2.95 At Maturity
ANZ Term Fund $5000 2.60 2.67 2.79 At Maturity
        Equiv. gross return  
Institution   Min Advertised
Rate
30%
taxpayer
33%
taxpayer
Interest
Compounds
      ascendingdescending ascendingdescending ascendingdescending  
CASH FUNDS Fund name  
Westpac Online Bonus Saver PIE - (Potential Rate) $500 2.60 2.67 2.79 Monthly
TERM FUNDS - 90 days Fund name  
ASB Bank Term Fund $10000 2.60 2.67 2.79 At Maturity
Westpac Term PIE Fund $10000 2.50 2.56 2.67 At Maturity
Kiwibank Term Deposit Fund $10000 2.50 2.56 2.69 At Maturity
CASH FUNDS Fund name  
Heartland Bank Call PIE $1000 2.50 2.59 2.70 Monthly
SBS Bank Lifestages $5000 1.80 1.86 1.94 Quarterly
TSB Bank Cash Fund $5000 1.75 0.00 1.89 Quarterly
Kiwibank PIE Online Call Fund - no withdrawals $2000 1.75 1.81 1.89 Monthly
RaboDirect Cash Advantage Fund $250 1.50 1.55 1.62 Daily
Kiwibank PIE Online Call Fund - Base $2000 0.75 0.77 0.88 Monthly
ASB Bank Cash Fund $100000 0.70 0.72 0.75 Monthly
ASB Bank Cash Fund $50000 0.65 0.66 0.69 Monthly
ASB Bank Cash Fund $25000 0.60 0.61 0.64 Monthly
ASB Bank Cash Fund $10000 0.55 0.59 0.56 Monthly
ASB Bank Cash Fund $1 0.40 0.41 0.42 Monthly
Westpac Online Saver PIE $500 0.35 0.36 0.38 Monthly
BNZ Cash PIE $1000 0.35 0.36 0.37 Monthly
ANZ Call Fund $500 0.10 0.10 0.11 Quarterly
Westpac Online Bonus Saver PIE (base) $500 0.05 0.05 0.05 Monthly

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Cash PIE Rates
Institution Rate 30% 33%
ANZ 0.10 0.10 0.11
ASB Bank 0.40 0.41 0.42
ASB Bank 0.55 0.59 0.56
ASB Bank 0.60 0.61 0.64
ASB Bank 0.65 0.66 0.69
ASB Bank 0.70 0.72 0.75
Heartland Bank 2.50 2.59 2.70
Nelson Building Society 3.75 3.90 4.08
RaboDirect 1.50 1.55 1.62
SBS Bank 1.80 1.86 1.94
TSB Bank 1.75 - 1.89
Westpac 0.35 0.36 0.38
Westpac 0.05 0.05 0.05
Westpac 2.60 2.67 2.79

More »

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