Question 1

Which KiwiSaver funds have 10%+ returns?

Accepted Answer

28 KiwiSaver funds have averaged 10%+ annual returns over the past 5 years. Top performers include Milford Active Growth (9.8%), Fisher Funds Growth (9.0%), and Generate Focused Growth (8.7%). These are typically aggressive or growth funds with high exposure to shares.

Question 2

Are 10%+ returns sustainable long-term?

Accepted Answer

While some funds have achieved 10%+ returns over 5 years, these returns aren't guaranteed. They reflect strong market conditions during this period. Historical stock market returns average 7-9% annually over decades. High returns come with higher volatility - these funds can also experience significant losses during market downturns.

Question 3

Who should invest in high-return KiwiSaver funds?

Accepted Answer

High-return funds (10%+) are suitable for investors with 20+ years until retirement, high risk tolerance, and ability to withstand market volatility. Not suitable for first home buyers, near-retirees (under 15 years), or conservative investors who panic during market drops.

Question 4

What's the catch with 10%+ return funds?

Accepted Answer

High returns come with high risk and volatility. While these funds may return 15-20% in good years, they can lose 10-20% in market crashes. They're 95-100% invested in shares, making them extremely sensitive to market movements. Only suitable for long-term investors who can ride out downturns.

Rank	Fund Name	Provider	Type	5-Year Return	Fees	Risk
🥇	Australian Financials Fund	Smartshares	Aggressive	18.58%	0.69%	6/7
#2	Us Large Growth Fund	Smartshares	Aggressive	17.61%	0.67%	6/7
#3	US 500 Fund	Smartshares	Aggressive	16.78%	0.64%	5/7
#4	Australian Mid Cap Fund	Smartshares	Aggressive	16.60%	0.69%	6/7
#5	US Large Value Fund	Smartshares	Aggressive	14.93%	0.67%	5/7
#6	Overseas Shares Fund	Smartshares	Aggressive	14.55%	0.68%	5/7
#7	Us Equities Fund	Koura	Aggressive	14.51%	0.73%	6/7
#8	US Mid Cap Fund	Smartshares	Aggressive	14.13%	0.67%	5/7
#9	Total World Fund	Smartshares	Aggressive	13.96%	0.68%	5/7
#10	US Small Cap Fund	Smartshares	Aggressive	13.93%	0.67%	6/7
#11	Australian Shares Fund	Smartshares	Aggressive	13.93%	0.69%	5/7
#12	Quaystreet International Equity Fund	Smartshares	Aggressive	13.91%	1.27%	5/7
#13	Overseas Shares (Currency Hedged) Fund	Smartshares	Aggressive	13.89%	0.68%	5/7
#14	Sustainable International Share	ANZ	Aggressive	13.87%	0.90%	5/7
#15	Goalsgetter Amova Global Shares Fund	Nikko	Aggressive	13.41%	1.43%	5/7
#16	Australian Resources Fund	Smartshares	Aggressive	12.84%	0.69%	6/7
#17	Australian Top 20 Fund	Smartshares	Aggressive	12.83%	0.69%	5/7
#18	AMP International Shares Fund No. 2	AMP	Aggressive	12.76%	0.86%	5/7
#19	Europe Fund	Smartshares	Aggressive	12.58%	0.69%	5/7
#20	AMP International Shares Fund	AMP	Aggressive	12.52%	0.85%	5/7
#21	Australian Dividend Fund	Smartshares	Aggressive	11.86%	0.69%	5/7
#22	Automatic Fund (Age 20)	SuperEasy	Aggressive	11.22%	0.51%	5/7
#23	Superlife High Growth Fund	Smartshares	Aggressive	11.13%	0.73%	5/7
#24	Superlife Age Steps - Age 20	Smartshares	Aggressive	10.71%	0.73%	5/7
#25	Aggressive Fund	SuperEasy	Growth	10.62%	0.51%	4/7
#26	Milford Kiwisaver Active Growth Fund	Milford	Growth	10.12%	1.05%	4/7
#27	Milford Kiwisaver Aggressive Fund	Milford	Aggressive	10.07%	1.15%	5/7
#28	Growth Strategy	NZ Funds	Aggressive	10.06%	1.95%	6/7

KiwiSaver Funds with 10%+ Annual Returns

⚠️Important: High Returns = High Risk

Breakdown by Fund Type

All Funds with 10%+ Returns (Ranked)

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