Compare KiwiSaver Funds
Compare over 200 KiwiSaver funds from all NZ providers. Filter by fund type, fees, returns, and risk level to find the right fund for your retirement goals.
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Growth Funds
High growth potential with 70-90% growth assets
Balanced Funds
Mix of growth and defensive assets (50-70%)
Conservative Funds
Lower risk with 20-40% growth assets
Aggressive Funds
Maximum growth with 90%+ growth assets
Defensive Funds
Capital preservation with 0-20% growth assets
Default Funds
Funds for auto-enrolled members
Popular Fund Comparisons
Top Performing Funds by Category
Top Growth Funds
| Fund Name | Provider | 5-Year Return | Fees |
|---|---|---|---|
| Milford Active Growth | Milford | 10.2% | 0.99% |
| Simplicity Growth | Simplicity | 9.8% | 0.31% |
| Fisher Two Growth | Fisher Funds | 9.5% | 0.89% |
Top Balanced Funds
| Fund Name | Provider | 5-Year Return | Fees |
|---|---|---|---|
| Milford Balanced | Milford | 8.4% | 0.99% |
| Simplicity Balanced | Simplicity | 7.9% | 0.31% |
| Generate Balanced | Generate | 7.6% | 0.95% |
Top Conservative Funds
| Fund Name | Provider | 5-Year Return | Fees |
|---|---|---|---|
| Milford Conservative | Milford | 5.8% | 0.99% |
| Simplicity Conservative | Simplicity | 5.2% | 0.31% |
| Fisher Conservative | Fisher Funds | 5.0% | 0.89% |
Note: Returns shown are historical 5-year averages. Past performance is not a reliable indicator of future returns.
Frequently Asked Questions
How many KiwiSaver funds are there in New Zealand?
There are over 200 KiwiSaver funds in New Zealand across 30+ providers. These are categorised into Defensive, Conservative, Balanced, Growth, and Aggressive fund types.
What is the difference between Growth and Balanced funds?
Growth funds have 70-90% in growth assets with higher potential returns but more volatility. Balanced funds have 50-70% growth assets, offering moderate returns with less volatility.
Which KiwiSaver fund has the lowest fees?
Simplicity (0.10-0.31%) and Kernel (0.25-0.27%) offer the lowest total fees. These are passive index funds that track market indices.
Should I choose the fund with the highest returns?
Not necessarily. Compare funds of the same type, consider fees, and match risk level to your timeframe. Past returns do not guarantee future performance.
Can I switch between KiwiSaver funds?
Yes. Switching within your provider is usually instant and free. Switching providers takes 2-3 weeks and is also free with no penalties.
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