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Cash PIE's

Cash Pie Intro

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Cash PIEs are at-call funds that offer investors the tax advantages of the Portfolio Investment Entity regime, and they pay tax on investment income based on the prescribed investor rate (PIR) of their investors, rather than at the entity's tax rate. Savers who'll benefit the most are those on a 30% or 33% income tax rate, because a PIE caps your tax rate at 28%.  Use our Deposit Calculator to work out the after-tax savings that will apply to you.

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Banks

Issuer Account name Minimum deposit Interest compounds Fees Advertised Rate % p.a. Equivalent gross return for a 30% taxpayer Equivalent gross return for a 33% taxpayer
ANZCall Fund$500Q$03.003.113.25
ASBCash Fund $1$1M$02.752.832.96
Cash Fund $10,000$10,000M$03.153.243.39
Cash Fund $25,000$25,000M$03.253.343.49
Cash Fund $50,000$50,000M$03.353.453.60
Cash Fund $100,000$100,000M$03.453.553.71
BNZCash PIE$1,000M0%3.703.864.04
Heartland BankCall PIE$1,000M$04.004.184.37
KiwibankOn-line Call - base$2,000M$02.402.482.60
On-line Call - bonus rate$2,000M$03.153.283.42
RaboDirectCash Advantage Fund $250D$03.503.663.82
SBS BankLifestages Call Fund$5,000Q$03.253.373.52
TSB BankCash Fund$5,000Q$03.503.633.80
WestpacOnline Saver PIE$500M$03.153.283.42
Online Bonus Saver PIE (base)$500M$00.100.100.11
Online Bonus Saver PIE (potential rate)$500M$04.354.554.76

Building Societies

Issuer Account name Minimum deposit Interest compounds Fees Advertised Rate % p.a. Equivalent gross return for a 30% taxpayer Equivalent gross return for a 33% taxpayer
NelsonLifestages$10,000A$03.753.904.08

Brokers

Issuer Account name Minimum deposit Interest compounds Fees Advertised Rate % p.a. Equivalent gross return for a 30% taxpayer Equivalent gross return for a 33% taxpayer
SpicersPremium Plus $5,000M$02.752.852.98

Finance Companies

Issuer Account name Minimum deposit Interest compounds Fees Advertised Rate % p.a. Equivalent gross return for a 30% taxpayer Equivalent gross return for a 33% taxpayer
Medical SecuritiesCall Fund (Membership Criteria Apply$500M$03.253.383.53
UDC FinanceCall Maximizer$5,000Q$03.003.113.25

Trustees

Issuer Account name Minimum deposit Interest compounds Fees Advertised Rate % p.a. Equivalent gross return for a 30% taxpayer Equivalent gross return for a 33% taxpayer
Guardian TrustCash Fund$1,000$02.953.033.17