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Term PIE's

Term Pie Intro

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Term PIEs are term deposit 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
ANZTerm PIE - 3 months$10,000Q0%3.503.643.80
Term PIE - 6 months$10,000Q0%4.104.274.47
Term PIE - 1 year$10,000Q0%4.304.484.68
ASBTerm Fund - 3 months$10,000Z0%3.503.583.75
Term Fund - 6 months$10,000Z0%4.154.264.45
Term Fund - 9 months$10,000N0%4.454.664.87
Term Fund - 1 year$10,000N0%4.504.724.93
Term Fund - 18 months$10,000N0%4.504.724.93
Term Fund - 2 years$10,000N0%4.754.985.21
Term Fund - 3 years$10,000N0%5.005.255.49
Term Fund - 4 years$10,000N0%5.255.525.77
Term Fund - 5 years$10,000N0%5.505.806.06
BNZTerm PIE - 3 months$5,000Z0%3.503.583.75
Term PIE - 5 months$5,000M0%3.703.793.96
Term PIE - 6 months$5,000M0%4.104.284.48
Term PIE - 9 months$5,000M0%4.204.404.59
Term PIE - 1 year$5,000M0%4.304.504.70
Term PIE - 18 months$5,000M0%4.504.724.93
Term PIE - 2 years$5,000M0%4.805.045.26
Term PIE - 3 years$5,000M0%5.005.255.49
Term PIE - 4 years$5,000M0%5.305.585.83
Term PIE - 5 years$5,000M0%5.505.806.06
Heartland BankTerm Deposit PIE - 1 year$1,000Q$04.604.825.04
KiwibankNotice Saver - 32 days$2,000Z0%3.653.813.98
Notice Saver - 3 months$2,000Z0%4.354.554.76
Term Deposit Fund - 100 days$10,000Z0%3.503.583.75
Term Deposit Fund - 3 months$10,000Z0%3.753.854.02
Term Deposit Fund - 4 months$10,000Z0%3.753.854.02
Term Deposit Fund - 5 months$10,000Z0%3.753.854.02
Term Deposit Fund - 6 months$10,000Z0%4.504.614.82
Term Deposit Fund - 9 months$10,000Z0%4.004.114.29
Term Deposit Fund - 1 year$10,000Z0%4.604.734.94
RaboDirectTerm Advantage Fund - 3 months$1,000A0%3.653.753.92
Term Advantage Fund - 6 months$1,000A0%4.504.634.84
Term Advantage Fund - 1 year$1,000A0%4.654.785.00
SBS BankLifestages Term Fund - 6 months$10,000Z0%3.803.904.08
Lifestages Term Fund - 1 year$10,000Z0%4.604.734.94
WestpacTerm Fund - 3 months$10,000Z0%3.603.703.86
Term Fund - 4 months$10,000Z0%3.753.854.02
Term Fund - 5 months$10,000Z0%3.753.854.02
Term Fund - 6 months$10,000Z0%4.104.204.39
Term Fund - 9 months$10,000Z0%4.154.264.45
Term Fund - 1 year$10,000Z0%4.304.414.61
Term Fund - 18 months$10,000Z0%4.604.734.94
Term Fund - 2 years$10,000Z0%4.754.885.10
Term Fund - 3 years$10,000Z0%5.005.145.37
Term Fund - 4 years$10,000Z0%5.255.405.64
Term Fund - 5 years$10,000Z0%5.505.645.89

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 SecuritiesTerm Fund - 1 year$500Q0%4.354.544.74
Term Fund - 18 months$500Q0%4.504.704.91
Term Fund - 3 years$500Q0%5.255.505.74
Term Fund - 5 years$500Q0%5.756.036.30