Commentary

As of 30 November 2025

Market Overview

− Global equity markets were mixed over the month, primarily driven by corporate earnings and central banks’ interest rate stances.

− The United States S&P 500 index rose 0.1%, the Japanese Nikkei 225 fell 4.1%, the

UK FTSE 100 index was flat, the Australian ASX 200 index lost 2.7% and the MSCI World index ended the month up 0.1% (in local terms).

− The S&P/NZX 50 index ended the month down 0.4%.

Fund Highlights

− The fund ended the month down 0.9%, and behind the index return.

− News flow was dominated by earnings results for the period ended September along with Annual Shareholder Meetings for companies with June year ends.

− The fund’s foreign currency hedge was increased from 50% to 75% during the month.

− Overweight position Summerset and underweights (nil holdings) Vital Healthcare, Goodman Property added value. Overweight positions in NextDC, Spark, and Infratil detracted from value.

Performance

GoalsGetter Amova SRI Equity Fund
Open Close

Performance

at 30 November 2025
One month Three months One year Three years (p.a) Five years (p.a)
Fund performance1 -0.96% 4.00% 3.08% 6.03% 2.28%
Appropriate Market Index (AMI)2 -0.42% 4.59% 3.97% 6.14% 1.88%
  1. Returns are before tax and after the deduction of fees and expenses and including tax credits (if any).
  2. AMI: S&P/NZX 50 Index Gross with Imputation Credits.

    The Amova KiwiSaver Scheme SRI Equity Fund transitioned from core strategy to SRI strategy in February 2022.

5 year cumulative performance $10,000 invested

GoalsGetter KiwiSaver Scheme

Top 10 Holdings

Security Name Percentage
Fisher & Paykel Healthcare 14.82%
Infratil Limited 10.41%
Auckland International Airport Ltd 9.52%
Meridian Energy Ltd NPV 6.70%
Contact Energy Limited 6.49%
The A2 Milk Company Limited 5.30%
Spark New Zealand Ltd 5.01%
EBOS Group Limited 4.59%
Summerset Group Holdings Ltd 4.08%
Mainfreight Limited 4.08%