A KiwiSaver plan that's
simply better
Simplicity is NZ’s nonprofit KiwiSaver plan, charging members low, low fees. The savings really add up. We call it the Simplicity Difference.
Paying
too much?
Our Conservative, Balanced and Growth funds all charge the same low fee - 0.31% p.a., or $3.10 for every $1000 invested.
The fee savings we call the Simplicity Difference. Find yours below.
Fund types
Default
The Default Fund (like the Balanced Fund) provides investors with an exposure to a mix of growth investments (eg. Shares) and income earning investments.
Conservative
The Conservative Fund provides investors with a limited exposure to growth assets, with most of its investments in income earning investments like fixed interest.
Balanced
The Balanced Fund provides investors with an exposure to
a mix of growth investments (eg. Shares) and income
earning investments.
Growth
The Growth Fund provides investors with a limited exposure to income assets, with most of its investments are in growth assets (eg. Shares).
KiwiSaver Scheme Performance
| Fund Name |
1 Month | 3 Months | 1 Year | 2 Years Annualised | 3 Years Annualised | 5 Years Annualised |
|---|---|---|---|---|---|---|
| KiwiSaver Growth Fund | -3.64% | 2.53% | -14.71% | -2.11% | 2.33% | 5.21% |
| KiwiSaver Balanced Fund | -3.04% | 2.01% | -13.54% | -3.56% | 0.98% | 3.87% |
| KiwiSaver Conservative Fund | -2.01% | 1.10% | -11.50% | -5.78% | -1.39% | 1.56% |
| KiwiSaver Default Fund | -3.03% | 2.02% | -13.73% |
* These returns are to 31-12-2022 and are before tax and after fund management fees. Past performance is not necessarily an indicator of future performance and return periods may differ.
Our most frequently asked KiwiSaver questions
Yes, it is easy to switch funds. Just log on to your Simplicity account and click on the Switch tab.
There is no cost to switch funds. We do recommend you do some research first. Our Fund Selector can help or check out Sorted.org.nz
Currently, you can only have one fund type with Simplicity KiwiSaver.
We don't have a membership fee, we only charge a management fee.
Every diversified fund has the same annual management fee: $3 for every $1000 invested (0.30%). In our Product Disclosure Statement (PDS) we show an additional 0.01% as an estimate of any additional charges incurred within the Vanguard funds we invest into.
Although this is an annual management fee it is calculated and charged daily, based on the value of the fund each day.
Look who's chosen us
Make us your KiwiSaver provider and we’ll help your employees understand the simple truths about money. Our free online and workplace seminars teach the basics about KiwiSaver and personal finance.
And because we’re a nonprofit there’s no product flogging. See our Learn section here for more details.
Our member website
Forecasting Tools
See how different fund types and contributions will impact your projected returns.
Linked Accounts
One central login can give you access to all you, and your family's, accounts.
Total Transparency
A complete breakdown of all investments, contributions, fees, taxes and returns.
Easy Switching
You're in charge. You can change the funds you're invested in online at no charge.
Minutes to join
Grab your IRD number and driver licence or passport, and fill in the form. We’ll do everything else %)