Compare KiwiSaver Funds
Select up to 4 funds to compare side-by-side
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Click "Add Fund" above to start comparing KiwiSaver funds side-by-side
How to Compare KiwiSaver Funds Effectively
1. Compare Returns
Look at 5-year average returns to see how funds have performed over time. Higher returns can significantly impact your retirement savings, but remember past performance doesn't guarantee future results.
2. Compare Fees
Annual fees can eat into your returns. Even a 0.5% difference in fees can cost you thousands over your lifetime. Lower fees mean more money stays in your account.
3. Match Your Risk Profile
Choose funds that match your risk tolerance and time horizon. Conservative funds are lower risk but lower return, while aggressive funds have higher potential returns but more volatility.
4. Consider Fund Size
Larger funds may offer better diversification and lower costs due to economies of scale. However, smaller boutique funds can also perform well with specialized strategies.
Frequently Asked Questions
How many KiwiSaver funds should I compare?
We recommend comparing at least 3-4 funds to get a good sense of what's available. Our tool lets you compare up to 4 funds side-by-side, which is enough to see key differences in fees, returns, and risk levels without becoming overwhelming.
What's the most important factor when comparing funds?
There's no single most important factor - it depends on your situation. For young investors with 30+ years until retirement, returns and growth potential matter most. For those nearing retirement, fees and risk levels become more important. Use our category filters above to find funds that match your priorities.
Should I compare funds within the same risk category?
Yes, it's most useful to compare funds with similar risk profiles. Comparing a conservative fund to an aggressive fund won't give you meaningful insights since they have different objectives. Use our category buttons above to browse funds by type.
How often should I compare my KiwiSaver fund?
Review your KiwiSaver at least once a year. Market conditions change, new funds launch, and your personal circumstances evolve. An annual comparison ensures you're still in the best fund for your situation. Set a reminder each year around tax time.
Can I switch funds after comparing?
Absolutely! Switching KiwiSaver funds is completely free and takes 2-3 weeks. After comparing funds here, you can apply directly with your chosen provider and they'll handle the transfer. There are no fees, penalties, or lock-in periods.
What if the funds I want to compare aren't in the category lists?
Use the search function! Click "Add Fund" and search by fund name or provider. Our database includes 470+ KiwiSaver funds, so you can find and compare any registered KiwiSaver fund in New Zealand.
Understanding the Comparison Metrics
5-Year Average Return
The average annual return over the past 5 years. This smooths out short-term volatility and gives you a better picture of long-term performance. Remember, past performance doesn't guarantee future results.
Annual Fee
The percentage of your balance charged each year by the fund manager. This includes management fees and other ongoing costs. A $50,000 balance with a 1% fee pays $500 per year in fees.
Risk Indicator
A number from 1-7 showing the fund's risk level. 1 is lowest risk (but lower returns), 7 is highest risk (but higher potential returns). This is based on the fund's volatility and asset allocation.
Asset Mix
The split between growth assets (shares, property) and income assets (bonds, cash). Growth assets are more volatile but offer higher long-term returns. Income assets are more stable but lower returns.
Fund Size
The total value of assets under management. Larger funds may benefit from economies of scale and better diversification. However, size alone doesn't guarantee better performance.