A future better for you,
and New Zealand

KiwiSaver | Investment Funds | Home Loans

Why Simplicity?

Investing with purpose

We invest so members profit, and help with some of the biggest issues facing Aotearoa.

Low, low fees

As a nonprofit, we aim for the lowest possible fees.

Ethically invested

All our funds are ethically invested. It's the right thing to do.

Paying it forward

15% of our fees go to great Kiwi charities. Over $8 million donated so far %)

Our products


Switch in minutes. Grab your IRD number and driver’s licence or passport. We’ll do the rest. Simple %)

Investment Funds

Same low fees as our KiwiSaver funds, with full access to your money at any time. Sign up in minutes.

First Home Loans

Our 6.40% floating rate (with no early repayment fees) means our members can get out of debt faster.

How we invest for a future better Aotearoa.

Most of the money we manage is invested passively in local and global financial markets. And we believe that our local knowledge and long term focus allows us to make members money and help solve some the biggest problems facing Aotearoa.

Simplicity Living

First Home Mortgages

Community Housing

Homegrown start-ups

Private / Family Companies

Listed Shares and Bonds

What our members say

We have 157,227 members for a reason, we love helping them.

It is important to me to use what money I have to support potential social justice projects. Not only has Simplicity achieved this, they have done it and helped my savings grow quite significantly. What's not to love! I am also impressed by their clear and frequent communication and the quality of their web based info. I love their transparency and feel in control of my money.

Jan Flinn

Simplicity’s message resonated with me. A simple approach, focusing on using passively managed funds and ethical investing, kiwi owned and operated and with low fees. What's not to love and the returns consistently speak for themselves. It's great to be able to support a company doing the right thing and doing it well!

John O'Hara

I have loved being a part of Simplicity from the minute I joined. What is better than kiwis helping kiwis? Feel especially proud when details of the donations are released (such as the recent flood responses). Kia kaha Simplicity!

Paul Jamieson

Inside our member site

Forecasting Tools

See how different fund types and contributions will impact your projected returns.

Linked Accounts

One central login can give you access to your and your family's accounts.

Total Transparancy

A complete breakdown of every investment, contribution, fee, tax and return, and all returns updated daily.

Easy Switching

Change the funds you're invested in online, at no charge.

Useful stuff

Frequently asked questions

Answers to all our members' most common questions.

Tools and calculators

Understand the impact of your saving and investment decisions.

Learning centre

Checkout our classrooms or sign up your workplace for a talk.

News & media

All our latest news and views.

Minutes to join

Grab your IRD number and driver licence or passport, and fill in the form. We’ll do everything else %)