Pay fund fees. No minimum investment amounts or minimum charges for your contributions.
You'll be paying fund fees, calculated daily from your investments.
Our fee
0.85
%
per annum
This covers all the features, benefits and services you get from the app, including our financial advice. This fee is deducted from your investments and reflected in the total value.
Estimated
Underlying fund fees
0.35
%
depending on mix of funds
Each Forsyth Barr Fund invests into an underlying fund, which comes with a fee charged by the fund manager. Not by Tempo. We estimate these fees will be between 0.09% to 0.75%.
Estimated
Total fee
1.20
%
depending on mix of funds
Your total fund fee includes our fee plus underlying fund fees. For a typical Tempo portfolio this is likely to be approximately 1.20%. Actual total fund charges will vary depending on your fund mix.
For more on fees, read the Forsyth Barr Funds Product Disclosure Statement (PDS).
Buy / sell spreads are applied to some Forsyth Barr Funds. This increases the issue price when you buy units and decreases the withdrawal value of a unit when you withdraw money. This is a cost to you which is retained in the fund to cover transaction costs that arise from applications, withdrawals and switches. Transaction costs include buy/sell spreads applied by underlying funds and FX transaction costs. For a typical Tempo portfolio this is likely to be 0.06% of the transaction value if the maximum spread by fund applies. The applicable spread may be less than the maximum and we may also choose to apply no spread.
Buy/sell spreads may also be applied in other circumstances. You can find more information about buy and sell spreads in the Product Disclosure Statement for the Forsyth Barr Funds.
The maximum buy/sell spreads that apply at any time are published on the Forsyth Barr Funds webpage – Forsyth Barr Funds.
An example fee scenario
After a customer's first year investing towards their goal
Initial deposit
$5,000
Regular investments
$500 / month
Buy spread (on deposits)
-$6.15
Total fund charges (fees)
-$97.88
End of year balance
$11,252
That's less than a year's worth of Netflix
Tell me more about this scenario
Tempo suits any type of investor no matter how you choose to invest. It doesn’t matter if you’re new to investing, or well-seasoned. There's no minimum amount you need to invest.
You can withdraw your money whenever you like. Even though you’re not locked in, we don’t recommend using Tempo like a bank account. Generally the longer you invest, the more opportunity your investments have to grow (or recover from dips).
