We're so glad you're here!

Here at Simplicity, we think that KiwiSaver fees are really important, as they take money away from your future growth. That’s why we keep fees low - as a nonprofit, we’re here for members, not profits.

KiwiSaver fees

While they may appear insignificant, fees can really add up, potentially affecting your overall investment returns over time.

 

And just as the difference between 1% and 2% is actually 100%, our KiwiSaver Growth Fund fee at 0.25% is one quarter of the industry average of 1%*... so the 0.75% difference is actually 300% higher! A bigger difference than you might think, huh.

 

We’ve written a handy blog about the impact of investment fees over time, but for now, our message is simple: While you can’t control everything when it comes to your KiwiSaver investment, one thing you CAN control is choosing a provider who meets your needs AND charges low fees. So check out Simplicity, and discover what we call the Simplicity Difference!


*All Simplicity KiwiSaver funds charge the same annual 0.25% fee. The average industry fee for KiwiSaver growth funds is 1.07%, according to the Sorted Smart Investor tool as at 01/08/2025.

A few of our favourite KiwiSaver funds

High Growth Fund

Our most aggressive KiwiSaver fund for investors seeking long term growth, who can accept more ups and downs. It has 98% growth assets and 2% income assets.

Growth Fund

This fund has a high allocation of growth assets such as global and local shares and unlisted property, with a growth and income split of 80% vs 20%.

Balanced Fund

This fund invests in a mix of growth and income assets, and suits investors seeking stable, risk-adjusted returns over the medium term.

Explore the full range

We have a range of KiwiSaver funds to suit all ages and stages. Your money grows in both global and local markets, as well as investments making a difference here at home.

Minutes to join

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

Simplicity NZ Limited is the issuer of the Simplicity KiwiSaver Scheme. For a Product Disclosure Statement, please follow this link or the link at the bottom of this page. For more on our fees go to this link.