Westpac vs Pathfinder
Side-by-side data comparison of fees, returns, and fund options
Last updated: February 2026
General Information Only: This page provides factual data for comparison purposes and does not constitute financial advice. Individual circumstances vary.Read our disclosure
Key Data Comparison
| Metric | Westpac | Pathfinder | Difference |
|---|---|---|---|
| Average 5Y Return | 2.90% | 5.05% | 2.15% diff |
| Average Fees | 0.45% | 1.25% | 0.80% diff |
| Number of Funds | 8 | 4 | 4 diff |
| Total Members | 537,941 | 11,607 | — |
| Total AUM | $12134M | $517M | — |
Data sourced from FMA and provider disclosures. Past performance is not a reliable indicator of future returns.
Top Performing Funds
Westpac Top Fund
Growth Fund
Pathfinder Top Fund
Pathfinder Kiwisaver Growth Fund
Frequently Asked Questions
How do Westpac and Pathfinder compare on fees?
Westpac has average fees of 0.45% while Pathfinderhas average fees of 1.25%. Lower fees can compound to significant savings over time, though fees are just one factor to consider alongside returns, risk level, and your individual circumstances.
What are the historical returns?
Based on 5-year average returns, Westpac shows 2.90% andPathfinder shows 5.05%. Important: Past performance is not a reliable indicator of future returns. Returns can be negative.
Can I switch between Westpac and Pathfinder?
Yes. Switching KiwiSaver providers is free and takes 2-3 weeks. Simply apply with your chosen provider online and they handle the transfer. There are no exit fees or penalties.
How is this data sourced?
All data is sourced from the Financial Markets Authority (FMA) Disclose Register and provider disclosure statements. Returns are 5-year averages where available. Data is updated quarterly.
Need Personalised Guidance?
This website provides general information only. Choosing a KiwiSaver fund depends on your individual circumstances, financial goals, risk tolerance, and investment timeframe.
If you need advice tailored to your personal situation, please consult a licensed Financial Advice Provider. Find advisers at fma.govt.nz
Important Information
Disclaimer: This page provides general information only and does not constitute financial advice under the Financial Markets Conduct Act 2013. KiwiSaverComparison.co.nz is not a licensed Financial Advice Provider (FAP).
We do not assess suitability, make recommendations, or provide personalised advice. The information shown is sourced from publicly available data and may not reflect current offerings. Past performance is not a reliable indicator of future returns. Investment returns can be negative, and you may receive back less than you invested.
Before making any decisions: Always verify current information directly with the relevant KiwiSaver provider and read their Product Disclosure Statement (PDS).
Need personalised advice? Consult a licensed Financial Advice Provider. Find advisers at fma.govt.nz