Your KiwiSaver account is more than just a retirement fund. It’s a powerful tool for building your financial future. At Aurora Capital, we believe in an approach that not only aims for strong long-term returns but also promises “same destination, smoother journey." We're dedicated to making your journey as steady as possible. So, let's explore what truly sets the Aurora Capital KiwiSaver Scheme apart: The power of many: Aurora’s global multi-manager advantage At Aurora Capital, your KiwiSaver account is shaped by the insights of some of the world’s leading investment minds. Our multi-manager strategy goes beyond a single in-house team, we work directly with top global fund managers to bring deep expertise, typically unavailable to individual investors. Here’s how this benefits you:

• A smoother investment journey: By blending styles like growth and value, we reduce reliance on any one approach, helping to smooth returns through changing markets.
• Resilience built in: Every primary manager we select has a “shadow manager” ready to step in if needed. It’s a proactive safeguard that ensures continuity, something most internal teams simply can’t match.
• Smarter positioning: With insights from hundreds of global investment experts, we’re able to anticipate market shifts and position your KiwiSaver account accordingly, rather than reacting after the fact.

Smarter investing: Active management and dynamic allocation At Aurora Capital, our portfolio is built on actively managed funds, giving us the flexibility to avoid overpriced or risky assets and favour those with greater long-term potential. Unlike passive strategies, our approach adapts to market conditions, not just tracks them. Our investment decisions are backed by deep experience. Chief Investment Officer Sean Henaghan has led over 1,500 manager research meetings across global financial centres, helping us source world-class managers rarely seen in New Zealand. We also go beyond the traditional:

• Diversification beyond the mainstream: We look beyond traditional listed public markets to find truly diversifying assets in unlisted markets. A prime example is our recent investments into New Zealand and Trans-Tasman Private Credit managers.
• Strategic style blending: Within our global equity managers, we have a top-down focused value manager, alongside bottom-up core and growth managers. Similarly, in NZ equity, we blend an active manager with an enhanced index manager. This ensures we can strategically tilt our portfolio towards the investment styles that we expect will outperform.

Our unwavering standards: Rigorous selection and responsible stewardship We don’t just select managers, we rigorously vet them. Each is chosen for their ability to deliver consistent, long-term outperformance through deep expertise, strong business alignment, and disciplined processes. Our research focuses on what matters most:

• Investment talent, assessed through hours of direct engagement.
• Business structure, built to attract and retain top performers.
• Investment process, scrutinised for discipline and risk control. Performance is viewed as evidence of process, not just past success.

We maintain high-touch oversight, engaging with all managers and their shadow counterparts at least monthly. With 14 managers in total, that’s over 300 manager meetings a year. Sustainability is fundamental. All managers must demonstrate a credible, proven approach to managing ESG risks. We believe smart investing includes protecting against environmental and social risks, and that long-term returns are stronger when we invest in companies contributing to a more sustainable future. Your personal co-pilot: Expert advice and ongoing support At Aurora Capital, your KiwiSaver journey is never a solo flight. Every client receives tailored advice and ongoing access to our financial advisers, ensuring your investment strategy stays aligned with your goals, no matter how life evolves. This guidance can make a real difference. Research shows those who receive professional advice achieve, on average, 4% higher investment returns (FSC, Money and You, 2020). That’s the power of having a trusted co-pilot by your side. Invest with confidence, build with purpose Our approach combines global expertise, careful oversight, and personal advice to deliver long-term growth for your retirement. We’re here to help you build a stronger financial future, while contributing to a more sustainable world. When you invest with Aurora Capital, you're choosing a partner in your prosperity.