Choose the right KiwiSaver fund

Everyone in KiwiSaver needs to make an active choice of what fund to be in, since there’s no ‘one size fits all’.

Did you know that there could be a $130k difference by retirement between a conservative and a growth fund? We’ve got the tools and resources to help you see what type of fund suits (balanced, growth, etc) and sort through funds of that type to choose one. This way you make sure your KiwiSaver is a good fit.

Find the best KiwiSaver Fund for you

Whether you are looking for a new fund or just want to see how your current one compares, this tool rates them all and lets you see how much you could pay in fees over your entire KiwiSaver experience.

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Top money hacks

Find the right type of fund for you first (eg, balanced, growth), based on how soon you’d like to use your KiwiSaver money and how comfortable you are with risking it.
Higher fees don’t always mean better service or better results – in fact, they generally limit your returns. On average, in the cheapest fund you’d pay around $3,000, whereas in the most expensive you could pay $102,000 over your KiwiSaver experience!
Don’t switch to a fund just based on how it has performed… there’s more to it, and there’s no guarantee that positive returns will continue.

Recommended for you

Here are some key guides, tools and blogs to help you sort your KiwiSaver.

Guide

Reading time: 11 minutes

How KiwiSaver works

Even if you’ve been in KiwiSaver a while, it’s good to understand how it works. Your fund type makes a big difference.

A man and women are standing in front of a home looking towards each other and smiling

Guide

Reading time: 8 minutes

Make the most of KiwiSaver

When it comes to KiwiSaver, the more you put in, the more you will get out of the scheme. To make the most of it, you need to make some important decisions along the way.

Guide

Reading time: 9 minutes

How to pick the right KiwiSaver fund for you

There are a number of fund types in KiwiSaver. Whether you’re starting out, aiming to contribute more, or nearing retirement, it’s important to select the right fund for you.

Tool

Time to complete: 5 minutes

Find out how much you can save with KiwiSaver.

Investing regularly in KiwiSaver over your working life will reap rewards. Use our calculator to get an idea of what results you could see.

Blog

Reading time: 5 minutes

Not all KiwiSaver funds cost the same

How a fund will perform in the future is difficult to predict. How much it will end up costing you is easier to see.