Generate KiwiSaver Scheme

Generate’s Global Managed Fund has achieved a 27.06% annualised return over 3 years^ to 31 October 2025, putting it at the top of its category (peer average: 18.12%p.a)*. When results like this compound, your wealth grows — and our proven active management can amplify that over the long term. Investing in your future starts here — apply online Or to learn more about investing in Generate Managed Funds, talk to our friendly team — we’re here to help you grow your wealth. **Morningstar Direct report as of 31 October 2025. © 2025 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its affiliates or content providers; (2) may not be copied, adapted or distributed; (3) is not warranted to be accurate, complete or timely; and (4) does not constitute advice of any kind, whether investment, tax, legal or otherwise and 5) has been prepared for New Zealand wholesale clients of Morningstar Research Ltd, subsidiary of Morningstar, Inc and is not intended for New Zealand retail clients. Neither Morningstar nor its content providers are responsible for any damages arising from the use and distribution of this information. ^The Generate Global Managed Fund launched as a retail fund in April 2025. The 3-year returns include the performance of the Generate Global Wholesale Fund, which the retail funds exclusively invest in. The Global Wholesale Fund returns have been adjusted to reflect retail fees, to illustrate how the retail fund would have performed over the same period. Past performance is no guarantee of future results. Returns are after fees and before tax. Investing involves risks and returns can be negative as well as positive. The Generate Global Managed Fund invests primarily in international equities. It’s assets are more concentrated and returns may be more volatile than diversified funds. The Fund is designed for investors with a minimum investment timeframe of 10 years, who are comfortable with the potential for significant short-term fluctuations. It may not be suitable for all investors. Seek financial advice if you are unsure whether this Fund is suitable for you. See https://lnkd.in/gPRjtYAw for more information and the latest product disclosure statement.

Generate’s Global Managed Fund has achieved a 27.06% annualised return over 3 years^ to 31 October 2025, putting it at the top of its category (peer average: 18.12%p.a)*. When results like this compound, your wealth grows — and our proven active management can amplify that over the long term. Investing in your future starts here — apply online Or to learn more about investing in Generate Managed Funds, talk to our friendly team — we’re here to help you grow your wealth. **Morningstar Direct report as of 31 October 2025. © 2025 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its affiliates or content providers; (2) may not be copied, adapted or distributed; (3) is not warranted to be accurate, complete or timely; and (4) does not constitute advice of any kind, whether investment, tax, legal or otherwise and 5) has been prepared for New Zealand wholesale clients of Morningstar Research Ltd, subsidiary of Morningstar, Inc and is not intended for New Zealand retail clients. Neither Morningstar nor its content providers are responsible for any damages arising from the use and distribution of this information. ^The Generate Global Managed Fund launched as a retail fund in April 2025. The 3-year returns include the performance of the Generate Global Wholesale Fund, which the retail funds exclusively invest in. The Global Wholesale Fund returns have been adjusted to reflect retail fees, to illustrate how the retail fund would have performed over the same period. Past performance is no guarantee of future results. Returns are after fees and before tax. Investing involves risks and returns can be negative as well as positive. The Generate Global Managed Fund invests primarily in international equities. It’s assets are more concentrated and returns may be more volatile than diversified funds. The Fund is designed for investors with a minimum investment timeframe of 10 years, who are comfortable with the potential for significant short-term fluctuations. It may not be suitable for all investors. Seek financial advice if you are unsure whether this Fund is suitable for you. See https://lnkd.in/gPRjtYAw for more information and the latest product disclosure statement.

Join over 175,000 Kiwis, including gold medallists Dame Lisa Carrington and Finn Butcher, who trust Generate with their KiwiSaver investment. We’re focused on delivering strong long-term returns for our members, and we're proud that each of our original funds ranks highly for 10-year returns in the latest Morningstar KiwiSaver Survey to 30 June 2025: ✅ Generate Moderate Fund – 1st of 14 funds* ✅ Generate Growth Fund – 2nd of 14 funds* ✅ Generate Focused Growth Fund – 3rd of 8 funds* These funds have ranked either 1st, 2nd or 3rd for 10-year returns in their respective categories ever since they became eligible in June 2023. Ready to switch KiwiSaver providers? Join Generate in 5 mins: https://lnkd.in/gAxqssYQ Past performance does not guarantee future returns. *Source: Morningstar KiwiSaver Survey June Quarter End 2025. The Generate Moderate Fund ranked 1st out of 14 NZ Multi Sector Moderate Category Funds; the Generate Growth Fund ranked 2nd out of 14 NZ Multi Sector Growth Category Funds; and The Generate Focused Growth Fund returns ranked 3rd out of 8 NZ Multi Sector Aggressive Category Funds, all for a period of 10 years as of 30/06/2025. © 2025 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its affiliates or content providers; (2) may not be copied, adapted or distributed; (3) is not warranted to be accurate, complete or timely. The issuer is Generate Investment Management Ltd. See the Product Disclosure Statement at https://lnkd.in/gTAV4BDx .

200,000 members! This is a huge milestone, but what sits behind it is even more important. Around 90% of Generate members have joined after receiving KiwiSaver advice*, reflecting the value New Zealanders place on speaking with someone before making decisions about their retirement savings. For years, we've focused on helping Kiwis better understand their options and make informed decisions about their financial future. Reaching 200,000 members reflects that approach and the trust our members have placed in us. Thank you to everyone who has been part of the journey, and we look forward to even more Kiwis joining us in future! *Generate data as at 31 March 2026 shows 92.07% joined through an adviser. See the Product Disclosure Statement and advertising disclosures at https://lnkd.in/gPRjtYAw. The issuer is Generate Investment Management Ltd.

We're extremely proud to see Generate recognised in the latest Melville Jessup Weaver KiwiSaver Survey, with strong results across multiple funds. Congratulations to our talented Investment Team. Their expertise, disciplined investment process and long-term focus continue to make a real difference for our members. Read more here: https://lnkd.in/eW5aWcUS Thanks to Jenny Ruth and Good Returns for the coverage. *Past performance is not a reliable indicator of future performance. See the PDS at https://lnkd.in/eK-fecdV. The issuer is Generate Investment Management Ltd.

Good, honest conversations about money today can make a big difference tomorrow. That's one of the reasons we're so excited to announce our new partnership with The Curve! Hosted by Sophie Hallwright and Victoria Harris, The Curve has become a go-to platform for women seeking authentic conversations about investing, business, the markets, success, and everything in between. We believe everyone deserves the confidence to make smart financial decisions. Through our partnership with The Curve, we're looking forward to bringing even more conversations about money, investing and long-term financial wellbeing to life. 💙