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Best Aggressive KiwiSaver Funds 2025

Compare all 129 Aggressive/High Growth KiwiSaver funds ranked by 5-year returns. Based on real FMA data, updated October 2025.

Total Aggressive Funds
129
High growth options
Average Return
4.96%
5-year average
Average Fees
0.90%
Annual fees
Top Performer
18.58%
Australian Financial...

What are Aggressive KiwiSaver Funds?

Aggressive funds (also called High Growth) invest 80-100% in growth assets like shares and property, with minimal or no allocation to income assets. They target maximum long-term returns but experience the highest volatility.

✅ Best For:

  • • Ages 18-40 typically
  • • High risk tolerance
  • • 20+ years to retirement
  • • Experienced investors comfortable with volatility

⚠️ Consider Instead If:

All Aggressive Funds Ranked by Performance

RankFund NameProvider5-Year ReturnFeesRiskMembers
#1Australian Financials FundSmartshares18.58%0.69%6/71k
#2Us Large Growth FundSmartshares17.61%0.67%6/74k
#3US 500 FundSmartshares16.78%0.64%5/73k
#4Australian Mid Cap FundSmartshares16.60%0.69%6/71k
#5US Large Value FundSmartshares14.93%0.67%5/71k
#6Overseas Shares FundSmartshares14.55%0.68%5/72k
#7Us Equities FundKoura14.51%0.73%6/77k
#8US Mid Cap FundSmartshares14.13%0.67%5/71k
#9Total World FundSmartshares13.96%0.68%5/71k
#10Australian Shares FundSmartshares13.93%0.69%5/72k
#11US Small Cap FundSmartshares13.93%0.67%6/71k
#12Quaystreet International Equity FundSmartshares13.91%1.27%5/71k
#13Overseas Shares (Currency Hedged) FundSmartshares13.89%0.68%5/72k
#14Sustainable International ShareANZ13.87%0.90%5/71k
#15Goalsgetter Amova Global Shares FundNikko13.41%1.43%5/70k
#16Australian Resources FundSmartshares12.84%0.69%6/71k
#17Australian Top 20 FundSmartshares12.83%0.69%5/71k
#18AMP International Shares Fund No. 2AMP12.76%0.86%5/71k
#19Europe FundSmartshares12.58%0.69%5/71k
#20AMP International Shares FundAMP12.52%0.85%5/71k
#21Australian Dividend FundSmartshares11.86%0.69%5/70k
#22Automatic Fund (Age 20)SuperEasy11.22%0.51%5/70k
#23Superlife High Growth FundSmartshares11.13%0.73%5/721k
#24Superlife Age Steps - Age 20Smartshares10.71%0.73%5/70k
#25Milford Kiwisaver Aggressive FundMilford10.07%1.15%5/747k
#26Growth StrategyNZ Funds10.06%1.95%6/724k
#27Summer Australian EquitiesForsyth Barr9.97%1.02%5/71k
#28Stepping Stones Growth 0-50Generate9.81%1.41%5/73k
#29International Share FundANZ9.77%0.96%5/71k
#30Stepping Stones 0-35Generate9.65%1.41%5/74k
#31Focused Growth FundGenerate9.47%1.41%5/7103k
#32SBS Wealth High Growth FundSBS9.39%1.17%5/718k
#33Geared Growth FundBooster9.37%1.50%5/715k
#34Asset Class Growth FundBooster9.28%1.37%5/73k
#35Lifestages Auto Option Age 0 - 49SBS9.20%1.17%5/76k
#36Life Cycle - Age 0-54NZ Funds9.07%1.87%6/715k
#37Rest Of World Equities FundKoura9.06%0.73%5/76k
#38Shares FundMercer8.86%0.96%5/71k
#39Socially Responsible High Growth FundBooster8.85%1.35%5/719k
#40Global Equities FundMAS8.85%0.99%5/72k
#41Sustainable Shares FundMercer8.69%0.95%5/72k
#42Australian Property FundSmartshares8.62%0.69%6/71k
#43Sustainable High Growth FundMercer8.33%0.89%4/78k
#44AMP Aggressive FundAMP8.32%0.85%4/730k
#45AMP Aggressive Fund (Lifesteps)AMP8.32%0.85%4/714k
#46Emerging Markets FundSmartshares8.28%0.83%5/72k
#47High Growth FundMercer8.02%0.94%5/72k
#48Aggressive FundMAS7.90%0.98%5/74k
#49High Growth FundBooster7.86%1.41%4/730k
#50Asia Pacific FundSmartshares7.41%0.69%4/71k
#51Summer Global EquitiesForsyth Barr7.39%1.02%5/71k
#52Emerging Markets Equities FundKoura7.38%0.73%5/76k
#53Shielded Growth FundBooster7.00%1.41%4/71k
#54Nz Mid Cap FundSmartshares6.02%0.69%5/71k
#55Nz Dividend FundSmartshares5.55%0.69%5/70k
#56Nz Top 50 FundSmartshares5.47%0.69%5/72k
#57Nz Shares FundSmartshares5.15%0.69%5/72k
#58Global Property FundSmartshares4.45%0.68%6/72k
#59International Property FundANZ3.80%0.99%6/70k
#60AMP Australasian Shares FundAMP3.54%0.83%5/70k
#61Inflation StrategyNZ Funds3.36%1.52%5/721k
#62Summer New Zealand EquitiesForsyth Barr3.35%1.02%5/71k
#63Goalsgetter Amova Sri Equity FundNikko2.40%1.23%5/70k
#64New Zealand Equities FundKoura2.31%0.73%5/76k
#65Nz Top 10 FundSmartshares2.30%0.69%5/70k
#66Quaystreet New Zealand Equity FundSmartshares2.21%1.37%4/71k
#67Australasian Share FundANZ1.67%0.99%5/71k
#68Summer Listed PropertyForsyth Barr0.95%1.02%5/70k
#69Australasian Property FundANZ0.14%1.01%5/71k
#70Nz Property FundSmartshares0.06%0.69%5/71k
#71Aggressive StrategyKoura0.00%0.73%5/70k
#72Kernel Nz Commercial Property FundKernel0.00%0.25%5/70k
#73Kernel Nz 50 Esg Tilted FundKernel0.00%0.25%5/70k
#74Aggressive FundFisher0.00%1.24%5/72k
#75Kernel Nz 20 FundKernel0.00%0.25%5/70k
#76Kernel S&P 500 (Nzd Hedged) FundKernel0.00%0.25%6/71k
#77BNZ Kiwisaver High Growth FundBNZ0.00%0.45%5/711k
#78Kernel Global Esg (Nzd Hedged) FundKernel0.00%0.25%6/70k
#79High Growth FundConsilium0.00%0.80%5/70k
#80Investnow Harbour T. Rowe Price Global Equity FundFundrock0.00%1.19%5/71k
#81Investnow Generate Focused Growth FundFundrock0.00%1.39%5/70k
#82Goalsgetter Generate Thematic FundNikko0.00%1.59%5/70k
#83S&P/Nzx 50 FundSmartshares0.00%0.69%5/71k
#84Quaystreet International Equity (Nzd Hedged) FundSmartshares0.00%1.27%5/70k
#85Kernel S&P 500 (Unhedged) FundKernel0.00%0.25%6/70k
#86Total World (Nzd Hedged) FundSmartshares0.00%0.68%5/70k
#87Goalsgetter Amova Ark Disruptive Innovation FundNikko0.00%1.53%7/71k
#88Kernel Global Property (Nzd Hedged) FundKernel0.00%0.25%6/70k
#89Investnow Salt Enhanced Property FundFundrock0.00%1.02%5/70k
#90Glidepath Age 25Fisher0.00%1.24%5/7N/A
#91Investnow Macquarie Global Listed Real Estate FundFundrock0.00%1.35%6/70k
#92Goalsgetter Generate Focused Growth FundNikko0.00%1.71%5/70k
#93Investnow Russell Investments Hedged Global Shares FundFundrock0.00%0.86%5/70k
#94Kernel S&P Global Clean Energy FundKernel0.00%0.45%7/70k
#95Investnow Foundation Series Hedged Us 500 FundFundrock0.00%0.03%6/70k
#96Milford Aggressive FundAMP0.00%1.57%5/72k
#97Thematic FundGenerate0.00%1.31%5/71k
#98Kernel S&P Global Dividend Aristocrats FundKernel0.00%0.25%5/70k
#99High Growth FundWestpac0.00%0.70%5/723k
#100S&P/Asx 200 FundSmartshares0.00%0.69%5/70k
#101Investnow Mercer Nz Shares Passive FundFundrock0.00%0.36%5/70k
#102Investnow Te Ahumairangi Global Equity FundFundrock0.00%0.62%4/70k
#103Global FundGenerate0.00%1.31%5/70k
#104High Growth FundSimplicity0.00%0.25%5/724k
#105Castle Point 5 Oceans FundSmartshares0.00%1.29%3/70k
#106Australasian FundGenerate0.00%1.31%5/70k
#107Investnow Antipodes Global Value FundFundrock0.00%1.21%4/70k
#108Investnow Foundation Series Us 500 FundFundrock0.00%0.03%5/71k
#109Clean Energy FundKoura0.00%1.20%7/72k
#110Sharesies Pie Global Growth 2 FundSharesies0.00%1.52%5/73k
#111Sharesies Milford Aggressive FundSharesies0.00%1.15%5/75k
#112Investnow Foundation Series Hedged Total World FundFundrock0.00%0.07%5/70k
#113Strategic High Growth FundKoura0.00%1.20%5/71k
#114Kernel Nz Small & Mid Cap Opportunities FundKernel0.00%0.25%5/70k
#115Kernel High Growth FundKernel0.00%0.25%5/77k
#116Investnow Castle Point Trans-Tasman FundFundrock0.00%1.08%5/70k
#117Investnow Milford Aggressive FundFundrock0.00%1.15%5/70k
#118Investnow Foundation Series Total World FundFundrock0.00%0.07%5/71k
#119Sharesies Us500 FundSharesies0.00%0.09%6/73k
#120Socially Responsible Geared Growth FundBooster0.00%1.46%5/74k
#121Investnow Mint Australasian Equity FundFundrock0.00%1.19%5/70k
#122Investnow Clarity Global Shares FundFundrock0.00%1.07%5/70k
#123Bitcoin FundKoura0.00%1.20%7/73k
#124Investnow Harbour Australasian Equity Focus FundFundrock0.00%1.20%5/70k
#125Investnow Mercer All Country Global Shares Index FundFundrock0.00%0.43%5/71k
#126High Growth FundANZ0.00%0.95%5/720k
#127Nz Property FundKoura0.00%1.20%6/72k
#128High Growth FundANZ0.00%0.95%5/71k
#129Aggressive FundASB0.00%0.75%5/722k

Compare Other Fund Types

Growth Funds

Slightly less aggressive, still high growth potential

View Growth Funds →

Balanced Funds

Mix of growth and income, moderate risk

View Balanced Funds →

Highest Returns

Top 50 funds by 5-year performance across all types

View Top Performers →

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Data source: FMA KiwiSaver Quarterly Reports, provider Product Disclosure Statements. Last updated: October 2025.

Disclaimer: 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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