Are 5-8% returns good for KiwiSaver?

Yes, 5-8% returns are solid for KiwiSaver, representing the typical range for balanced and moderate growth funds. These funds offer good growth potential with moderate risk, suitable for investors 10-20 years from retirement. They balance growth assets (shares) with defensive assets (bonds/cash).

What fund types have 5-8% returns?

Funds with 5-8% returns are typically Balanced funds (40-60% growth assets) or moderate Growth funds. They have risk indicators of 3-5 and provide a middle ground between conservative stability and aggressive growth. Good for ages 40-60 or those 10-20 years from retirement.

⚖️ Balanced Performers

KiwiSaver Funds with 5-8% Annual Returns

70 KiwiSaver funds averaging 5-8% returns. Solid balanced performance with moderate risk - ideal for 10-20 year timeframes.

Total Funds

Average Return

6.38%

Average Fees

0.99%

Why Choose 5-8% Return Funds?

✓ Best For:

• Investors 10-20 years from retirement
• Ages 45-60 typically
• Moderate risk tolerance
• Want growth with protection

⚡ Key Benefits:

• Balanced risk/reward ratio
• Less volatile than growth funds
• Better returns than conservative
• Proven long-term track records

All Funds with 5-8% Returns

Rank	Fund Name	Provider	Type	5-Year Return	Fees	Risk
#1	Ethica Fund	Smartshares	Balanced	7.99%	0.80%	4/7
#2	Stepping Stones Growth 51-55	Generate	Growth	7.96%	1.39%	4/7
#3	Stepping Stones 36-45	Generate	Growth	7.96%	1.39%	4/7
#4	Aggressive Fund	MAS	Aggressive	7.90%	0.98%	5/7
#5	High Growth Fund	Booster	Aggressive	7.86%	1.41%	4/7
#6	Quaystreet Socially Responsible Investment Fund	Smartshares	Balanced	7.76%	1.12%	4/7
#7	Growth Fund	Fisher	Growth	7.75%	1.13%	5/7
#8	Quaystreet Balanced Fund	Smartshares	Balanced	7.71%	1.12%	4/7
#9	Growth Fund	Simplicity	Growth	7.56%	0.25%	4/7
#10	Growth Fund	ASB	Growth	7.50%	0.70%	4/7
#11	Asia Pacific Fund	Smartshares	Aggressive	7.41%	0.69%	4/7
#12	AMP Growth Fund (Lifesteps)	AMP	Growth	7.39%	0.85%	4/7
#13	Summer Global Equities	Forsyth Barr	Aggressive	7.39%	1.02%	5/7
#14	AMP Growth Fund	AMP	Growth	7.39%	0.85%	4/7
#15	Growth Fund	SuperEasy	Growth	7.39%	0.51%	4/7
#16	Lifestages Auto Option Age 50 - 54	SBS	Growth	7.38%	1.11%	5/7
#17	Emerging Markets Equities Fund	Koura	Aggressive	7.38%	0.73%	5/7
#18	Pathfinder Kiwisaver Balanced Fund	Pathfinder	Balanced	7.36%	1.25%	4/7
#19	Milford Kiwisaver Balanced Fund	Milford	Balanced	7.34%	1.05%	4/7
#20	Quaystreet Altum Fund	Smartshares	Balanced	7.12%	1.37%	4/7
#21	Growth Fund	MAS	Growth	7.10%	0.98%	4/7
#22	Superlife Balanced Fund	Smartshares	Balanced	7.06%	0.70%	4/7
#23	Sustainable Growth Fund	Mercer	Growth	7.04%	0.84%	4/7
#24	Superlife Growth Fund	AMP	Growth	7.00%	1.17%	4/7
#25	Shielded Growth Fund	Booster	Aggressive	7.00%	1.41%	4/7
#26	BNZ Kiwisaver Growth Fund	BNZ	Growth	6.98%	0.45%	4/7
#27	Global Select Growth Fund	AMP	Growth	6.85%	1.27%	4/7
#28	Growth Fund	Mercer	Growth	6.67%	0.88%	4/7
#29	Superlife Age Steps - Age 60	Smartshares	Balanced	6.62%	0.70%	4/7
#30	Growth Fund	ANZ	Growth	6.58%	0.96%	5/7
#31	Growth Fund	ANZ	Growth	6.58%	0.96%	5/7
#32	Growth Fund	Westpac	Growth	6.56%	0.55%	4/7
#33	Growth Fund	Booster	Growth	6.42%	1.35%	4/7
#34	AE Kiwisaver Plan	Always Ethical	Balanced	6.33%	3.44%	7/7
#35	AMP Balanced Fund No. 2	AMP	Balanced	6.20%	0.85%	4/7
#36	Balanced Portfolio	Maritime	Balanced	6.20%	0.70%	4/7
#37	Stepping Stones 46-55	Generate	Balanced	6.15%	1.36%	4/7
#38	Stepping Stones Growth 56-60	Generate	Balanced	6.15%	1.36%	4/7
#39	Balanced Fund	Anglican	Balanced	6.06%	1.35%	4/7
#40	Nz Mid Cap Fund	Smartshares	Aggressive	6.02%	0.69%	5/7
#41	Life Cycle - Age 65	NZ Funds	Growth	5.89%	1.60%	5/7
#42	Balanced Fund	Fisher	Balanced	5.84%	1.04%	4/7
#43	Goalsgetter Amova Growth Fund	Nikko	Growth	5.73%	1.37%	5/7
#44	Balanced Fund	SuperEasy	Balanced	5.71%	0.51%	4/7
#45	Summer Growth Selection	Forsyth Barr	Growth	5.71%	1.02%	4/7
#46	Balanced Fund	ASB	Growth	5.71%	0.65%	4/7
#47	Asset Class Balanced Fund	Booster	Balanced	5.68%	1.32%	4/7
#48	Global Select Balanced Growth Fund	AMP	Growth	5.65%	1.18%	4/7
#49	AMP Balanced Fund (Lifesteps)	AMP	Balanced	5.57%	0.85%	4/7
#50	AMP Balanced Fund	AMP	Balanced	5.57%	0.85%	4/7
#51	Nz Dividend Fund	Smartshares	Aggressive	5.55%	0.69%	5/7
#52	Lifestages Auto Option Age 55 - 59	SBS	Balanced	5.53%	1.05%	4/7
#53	Stepping Stones 56-60	Generate	Balanced	5.49%	1.30%	4/7
#54	Balanced Fund	MAS	Balanced	5.48%	0.99%	4/7
#55	Nz Top 50 Fund	Smartshares	Aggressive	5.47%	0.69%	5/7
#56	Pie Kiwisaver Growth Fund	Pie	Growth	5.39%	0.68%	5/7
#57	Balanced Growth Fund	ANZ	Growth	5.37%	0.92%	4/7
#58	Balanced Growth Fund	ANZ	Growth	5.37%	0.92%	4/7
#59	Sustainable Balanced Fund	Mercer	Balanced	5.35%	0.75%	4/7
#60	BNZ Kiwisaver Balanced Fund	BNZ	Balanced	5.32%	0.45%	4/7
#61	Balanced Fund	Simplicity	Balanced	5.31%	0.25%	4/7
#62	Life Cycle - Age 75	NZ Funds	Growth	5.28%	1.55%	5/7
#63	Superlife Balanced Fund	AMP	Balanced	5.27%	1.12%	4/7
#64	Socially Responsible Balanced Fund	Booster	Balanced	5.25%	1.33%	4/7
#65	Balanced Fund	Westpac	Balanced	5.19%	0.50%	4/7
#66	Milford Kiwisaver Moderate Fund	Milford	Conservative	5.15%	0.95%	3/7
#67	Mercer Balanced Fund	AMP	Balanced	5.15%	1.26%	4/7
#68	Nz Shares Fund	Smartshares	Aggressive	5.15%	0.69%	5/7
#69	Automatic Fund (Age 60)	SuperEasy	Balanced	5.08%	0.51%	4/7
#70	Balanced Fund	Mercer	Balanced	5.00%	0.80%	4/7

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KiwiSaver Funds with 5-8% Annual Returns

Why Choose 5-8% Return Funds?

✓ Best For:

⚡ Key Benefits:

All Funds with 5-8% Returns

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