KiwiSaver Funds

Our funds are fully diversified, with more than 3,000 investments in 23 countries. All charge the same $30 a year membership fee, and $3.10 for every $1,000 invested. Children pay no membership fees.

 

Growth

Risk Level
1
2
3
4
5

The Growth Fund provides investors with a limited exposure to income assets, with most of its investments are in growth assets (eg. Shares). As a result, the return from the Fund is likely to be higher over the longer term (10 years or more) than the Balanced or Conservative Funds, but the value of its investments is likely to fluctuate more than the Balanced or Conservative Funds. The fund has over 3,000 investments in 23 countries.


1 year return
9.21%
Returns are after fees before tax
Risk Level
1
2
3
4
5

* The risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the fund’s assets goes up and down. A higher risk generally means higher potential returns over time, but more ups and downs along the way.

This risk indicator is not a guarantee of the fund’s future performance. As the fund has not been in existence for five years, the risk indicator is based on five-year information including actual performance figures from 1 September 2016 and market returns data for the period prior to that date. As a result of this, the risk indicator may provide a less reliable indicator of the potential future volatility of the fund. While risk indicators are usually relatively stable, they do shift from time to time. The risk indicator will continue to be updated in future fund updates. See the product disclosure statement (PDS) for more information about the risks associated with investing in this fund.
 

Balanced

Risk Level
1
2
3
4
5

The Balanced Fund provides investors with an exposure to a mix of growth investments (eg. Shares) and income earning investments. The return from the Fund is likely to be lower over the longer term (10 years or more) than the Growth Fund, but more than the Conservative fund. The value of your investment is likely to fluctuate more than the Conservative Fund, but less than the growth fund over the short and long term. The fund has over 3,000 investments in 23 countries.


1 year return
8.63%
Returns are after fees before tax
Risk Level
1
2
3
4
5

* The risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the fund’s assets goes up and down. A higher risk generally means higher potential returns over time, but more ups and downs along the way.

This risk indicator is not a guarantee of the fund’s future performance. As the fund has not been in existence for five years, the risk indicator is based on five-year information including actual performance figures from 1 September 2016 and market returns data for the period prior to that date. As a result of this, the risk indicator may provide a less reliable indicator of the potential future volatility of the fund. While risk indicators are usually relatively stable, they do shift from time to time. The risk indicator will continue to be updated in future fund updates. See the product disclosure statement (PDS) for more information about the risks associated with investing in this fund.
 

Conservative

Risk Level
1
2
3
4
5

The Conservative Fund provides investors with a limited exposure to growth assets, with most of its investments in income earning investments like fixed interest. As a result, the return from the Fund is likely to be lower over the longer term (10 years or more) than the Balanced or Growth Funds, but the value of its investments will be more stable over the short and long term. The fund has over 3,000 investments in 23 countries.


1 year return
8.03%
Returns are after fees before tax
Risk Level
1
2
3
4
5

* The risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the fund’s assets goes up and down. A higher risk generally means higher potential returns over time, but more ups and downs along the way.

This risk indicator is not a guarantee of the fund’s future performance. As the fund has not been in existence for five years, the risk indicator is based on five-year information including actual performance figures from 1 September 2016 and market returns data for the period prior to that date. As a result of this, the risk indicator may provide a less reliable indicator of the potential future volatility of the fund. While risk indicators are usually relatively stable, they do shift from time to time. The risk indicator will continue to be updated in future fund updates. See the product disclosure statement (PDS) for more information about the risks associated with investing in this fund.

 

Guaranteed Income

Risk Level
1
2
3
4
5

The Guaranteed Income Fund provides investors with a mix of growth and income assets. On retirement, it provides investors with a regular income for life, even if their original investment runs out. The return from the Fund is likely to be lower over the longer term (10 years or more) than the Growth Fund, but the value of its investments is likely to fluctuate more than Conservative Fund. Read more


1 year return
7.63%
Returns are after fees before tax
Risk Level
1
2
3
4
5

* The risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the fund’s assets goes up and down. A higher risk generally means higher potential returns over time, but more ups and downs along the way.

This risk indicator is not a guarantee of the fund’s future performance. As the fund has not been in existence for five years, the risk indicator is based on five-year information including actual performance figures from 24 October 2017 and market returns data for the period prior to that date. As a result of this, the risk indicator may provide a less reliable indicator of the potential future volatility of the fund. While risk indicators are usually relatively stable, they do shift from time to time. The risk indicator will continue to be updated in future fund updates. See the product disclosure statement (PDS) for more information about the risks associated with investing in this fund.
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