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⚡ Maximum Equity

100% Growth Assets KiwiSaver Funds

105 KiwiSaver funds with 100% in shares and property (zero bonds/cash). Maximum long-term returns for aggressive investors with 30+ year timeframes.

⚠️Extreme Risk Warning

100% growth asset funds are the HIGHEST RISK KiwiSaver option

  • • Can lose 20-40% in market crashes
  • • Extreme volatility year-to-year
  • • ONLY for 30+ year timeframes - not suitable for anyone over 35
  • • Zero defensive assets - no cushion during downturns
  • • Not suitable for first home buyers, near-retirees, or moderate risk tolerance

Most advisers recommend 80-90% growth instead for better risk-adjusted returns

Total Funds
105
100% equity
Average Return
4.93%
5-year average
Average Fees
0.84%
Annual fees
Avg Growth Assets
98.9%
In equities

Who Should Choose 100% Growth Assets?

✓ ONLY Suitable For:

  • • Ages 18-30 (30+ years to retirement)
  • • Very high risk tolerance
  • • Won't panic during 30% market crashes
  • • Don't check balance during downturns
  • • Understand volatility = opportunity
  • • Have emergency fund outside KiwiSaver

✗ NOT Suitable For:

  • • Anyone over 35 years old
  • • Within 20 years of retirement
  • • First home buyers (any timeline)
  • • Moderate or low risk tolerance
  • • Those who panic during market drops
  • • Need money within 15 years

All 100% Growth Asset Funds Ranked

RankFund NameProviderGrowth Assets5-Year ReturnFeesRisk
#1Australian Financials FundSmartshares99.5%18.58%0.69%6/7
#2Us Large Growth FundSmartshares99.7%17.61%0.67%6/7
#3US 500 FundSmartshares99.8%16.78%0.64%5/7
#4Australian Mid Cap FundSmartshares99.8%16.60%0.69%6/7
#5US Large Value FundSmartshares99.7%14.93%0.67%5/7
#6Overseas Shares FundSmartshares100.0%14.55%0.68%5/7
#7Us Equities FundKoura98.9%14.51%0.73%6/7
#8US Mid Cap FundSmartshares99.6%14.13%0.67%5/7
#9Total World FundSmartshares99.9%13.96%0.68%5/7
#10US Small Cap FundSmartshares99.6%13.93%0.67%6/7
#11Australian Shares FundSmartshares99.8%13.93%0.69%5/7
#12Overseas Shares (Currency Hedged) FundSmartshares99.9%13.89%0.68%5/7
#13Sustainable International ShareANZ100.0%13.87%0.90%5/7
#14Goalsgetter Amova Global Shares FundNikko98.5%13.41%1.43%5/7
#15Australian Resources FundSmartshares99.8%12.84%0.69%6/7
#16Australian Top 20 FundSmartshares99.9%12.83%0.69%5/7
#17AMP International Shares Fund No. 2AMP99.5%12.76%0.86%5/7
#18Europe FundSmartshares100.0%12.58%0.69%5/7
#19AMP International Shares FundAMP99.5%12.52%0.85%5/7
#20Australian Dividend FundSmartshares100.0%11.86%0.69%5/7
#21Superlife High Growth FundSmartshares99.4%11.13%0.73%5/7
#22Superlife Age Steps - Age 20Smartshares95.4%10.71%0.73%5/7
#23Milford Kiwisaver Aggressive FundMilford99.9%10.07%1.15%5/7
#24Growth StrategyNZ Funds99.9%10.06%1.95%6/7
#25Summer Australian EquitiesForsyth Barr97.2%9.97%1.02%5/7
#26International Share FundANZ100.0%9.77%0.96%5/7
#27SBS Wealth High Growth FundSBS97.7%9.39%1.17%5/7
#28Geared Growth FundBooster97.8%9.37%1.50%5/7
#29Lifestages Auto Option Age 0 - 49SBS97.5%9.20%1.17%5/7
#30Life Cycle - Age 0-54NZ Funds95.9%9.07%1.87%6/7
#31Rest Of World Equities FundKoura99.0%9.06%0.73%5/7
#32Shares FundMercer97.8%8.86%0.96%5/7
#33Global Equities FundMAS96.7%8.85%0.99%5/7
#34Sustainable Shares FundMercer99.1%8.69%0.95%5/7
#35Australian Property FundSmartshares98.4%8.62%0.69%6/7
#36Emerging Markets FundSmartshares100.0%8.28%0.83%5/7
#37High Growth FundBooster96.5%7.86%1.41%4/7
#38Asia Pacific FundSmartshares100.0%7.41%0.69%4/7
#39Summer Global EquitiesForsyth Barr96.5%7.39%1.02%5/7
#40Emerging Markets Equities FundKoura99.1%7.38%0.73%5/7
#41Nz Mid Cap FundSmartshares99.9%6.02%0.69%5/7
#42Nz Dividend FundSmartshares99.9%5.55%0.69%5/7
#43Nz Top 50 FundSmartshares99.9%5.47%0.69%5/7
#44Nz Shares FundSmartshares99.9%5.15%0.69%5/7
#45Global Property FundSmartshares99.2%4.45%0.68%6/7
#46International Property FundANZ100.0%3.80%0.99%6/7
#47AMP Australasian Shares FundAMP99.5%3.54%0.83%5/7
#48Inflation StrategyNZ Funds96.8%3.36%1.52%5/7
#49Summer New Zealand EquitiesForsyth Barr97.7%3.35%1.02%5/7
#50Goalsgetter Amova Sri Equity FundNikko98.1%2.40%1.23%5/7
#51New Zealand Equities FundKoura99.0%2.31%0.73%5/7
#52Nz Top 10 FundSmartshares99.8%2.30%0.69%5/7
#53Australasian Share FundANZ100.0%1.67%0.99%5/7
#54Summer Listed PropertyForsyth Barr98.3%0.95%1.02%5/7
#55Australasian Property FundANZ99.7%0.14%1.01%5/7
#56Nz Property FundSmartshares100.0%0.06%0.69%5/7
#57Investnow Te Ahumairangi Global Equity FundFundrock96.0%0.00%0.62%4/7
#58High Growth FundWestpac98.9%0.00%0.70%5/7
#59Aggressive FundASB96.3%0.00%0.75%5/7
#60BNZ Kiwisaver High Growth FundBNZ99.7%0.00%0.45%5/7
#61Kernel Global Esg (Nzd Hedged) FundKernel99.9%0.00%0.25%6/7
#62Global FundGenerate97.7%0.00%1.31%5/7
#63Goalsgetter Generate Thematic FundNikko96.4%0.00%1.59%5/7
#64S&P/Nzx 50 FundSmartshares99.7%0.00%0.69%5/7
#65High Growth FundSimplicity96.3%0.00%0.25%5/7
#66Australasian FundGenerate97.7%0.00%1.31%5/7
#67Total World (Nzd Hedged) FundSmartshares98.3%0.00%0.68%5/7
#68Clean Energy FundKoura99.4%0.00%1.20%7/7
#69Kernel Global Property (Nzd Hedged) FundKernel100.0%0.00%0.25%6/7
#70Investnow Foundation Series Hedged Total World FundFundrock100.0%0.00%0.07%5/7
#71Kernel Nz Commercial Property FundKernel100.0%0.00%0.25%5/7
#72Kernel Nz 50 Esg Tilted FundKernel100.0%0.00%0.25%5/7
#73Strategic High Growth FundKoura98.3%0.00%1.20%5/7
#74Kernel Nz Small & Mid Cap Opportunities FundKernel100.0%0.00%0.25%5/7
#75Investnow Foundation Series Hedged Us 500 FundFundrock99.7%0.00%0.03%6/7
#76Kernel Nz 20 FundKernel100.0%0.00%0.25%5/7
#77Thematic FundGenerate96.5%0.00%1.31%5/7
#78Kernel S&P 500 (Nzd Hedged) FundKernel99.5%0.00%0.25%6/7
#79Kernel S&P Global Dividend Aristocrats FundKernel99.9%0.00%0.25%5/7
#80S&P/Asx 200 FundSmartshares99.9%0.00%0.69%5/7
#81Investnow Harbour T. Rowe Price Global Equity FundFundrock98.2%0.00%1.19%5/7
#82Kernel High Growth FundKernel98.2%0.00%0.25%5/7
#83Investnow Foundation Series Total World FundFundrock100.0%0.00%0.07%5/7
#84Investnow Salt Enhanced Property FundFundrock99.0%0.00%1.02%5/7
#85Castle Point 5 Oceans FundSmartshares100.0%0.00%1.29%3/7
#86Socially Responsible Geared Growth FundBooster97.6%0.00%1.46%5/7
#87Investnow Antipodes Global Value FundFundrock97.1%0.00%1.21%4/7
#88Investnow Foundation Series Us 500 FundFundrock99.7%0.00%0.03%5/7
#89Milford Aggressive FundAMP99.9%0.00%1.57%5/7
#90Sharesies Milford Aggressive FundSharesies99.9%0.00%1.15%5/7
#91Investnow Mint Australasian Equity FundFundrock99.1%0.00%1.19%5/7
#92Kernel S&P Global Clean Energy FundKernel99.9%0.00%0.45%7/7
#93Investnow Castle Point Trans-Tasman FundFundrock98.4%0.00%1.08%5/7
#94Investnow Milford Aggressive FundFundrock99.9%0.00%1.15%5/7
#95Investnow Clarity Global Shares FundFundrock98.7%0.00%1.07%5/7
#96Sharesies Us500 FundSharesies100.0%0.00%0.09%6/7
#97Investnow Russell Investments Hedged Global Shares FundFundrock98.9%0.00%0.86%5/7
#98Kernel S&P 500 (Unhedged) FundKernel99.7%0.00%0.25%6/7
#99Bitcoin FundKoura99.7%0.00%1.20%7/7
#100Investnow Macquarie Global Listed Real Estate FundFundrock99.4%0.00%1.35%6/7
#101Goalsgetter Amova Ark Disruptive Innovation FundNikko96.3%0.00%1.53%7/7
#102Investnow Harbour Australasian Equity Focus FundFundrock98.8%0.00%1.20%5/7
#103Nz Property FundKoura98.4%0.00%1.20%6/7
#104Investnow Mercer All Country Global Shares Index FundFundrock97.0%0.00%0.43%5/7
#105Investnow Mercer Nz Shares Passive FundFundrock98.3%0.00%0.36%5/7

Other Asset Allocation Options

Aggressive Funds

90-100% growth assets - slightly less extreme

View Funds →

High Income Assets

70%+ bonds/cash - defensive positioning

View Funds →

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Data source: FMA KiwiSaver Quarterly Reports. Last updated: October 2025.

Disclaimer: 100% growth asset funds carry extreme risk and volatility. Past performance does not guarantee future results. This is not financial advice. Consult a licensed financial adviser before making investment decisions.

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