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KiwiSaver Funds
High Growth Fund
This fund invests mostly in growth assets.
Growth Fund
This fund invests mostly in growth assets, with a limited exposure to income assets.
Balanced Fund
This fund is invested in a mix of growth and income assets.
Default Fund
Conservative Fund
This fund is mostly invested in income assets, with a limited exposure to growth assets.
Defensive Fund
This fund is mostly invested in income assets, with very limited exposure to growth assets.
Investment Funds
Our Investment Funds
Diversified and Thematic Funds
This fund invests in a mix of growth and income assets.
Homes and Income Fund
Single Sector Funds
NZ Share Fund
This fund invests in shares listed on the New Zealand Stock Exchange.
NZ Bond Fund
This fund invests in New Zealand government and investment grade bonds issued in New Zealand dollars.
NZ Cash Fund
This fund invests in a portfolio of cash, short term bonds and other debt securities.
Hedged Global Share Fund
This fund invests in listed company shares in developed markets and is designed to be part of a diversified investment portfolio.
Unhedged Global Share Fund
Hedged Global Bond Fund
This fund invests in investment grade bonds in developed markets and is designed to be part of a diversified investment portfolio.
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Join
22/08/2025
This will be our seventh fee cut since we began in 2016, as we continue to pass on the benefits of scale to our members. Get all the details of this change in our blog.
kiwisaver
Published 25/08/2025
Thinking about switching KiwiSaver providers? Good news is, it’s a lot easier than most people think. So we've a simple step-by-step guide to help you transfer your KiwiSaver account from one provider to another.
read more
News
Published 22/08/2025
investments
We regularly review our investments to ensure they meet our ethical and sustainability standards. Following this review, we have chosen to divest from Israeli Government Bonds in accordance with our Responsible Investment Policy.
simplicity living
Published 14/08/2025
Simplicity Living has bought a 6.1-hectare site on Ladies Mile in Queenstown, where it plans to build up to 600 high-quality homes for long-term rent - its first development outside Auckland and its largest to date.
Published 08/08/2025
July was a complex interplay of economic resilience, policy caution, and geopolitical risk. Markets remained optimistic and returns reflected this, while navigating a landscape shaped by ongoing inflation pressures, trade dynamics, and central bank decisions.
We’ve got 10 one-year subscriptions to Consumer NZ magazine to give away.
property investment
Published 05/08/2025
The days of living off the efforts of our forebearers is coming to an end. Anyone travelling on congested roads, old trains - or unable to drink tap water - knows we need to upgrade much of our infrastructure.
Published 01/08/2025
Simplicity Living’s latest Build-to-Rent project in Northcote will deliver 93 sustainable homes, funded by Simplicity members and supporting the regeneration of a thriving Auckland community.
education
Published 29/07/2025
Mortgages can be boring, confusing and generally something we only think about once we have to. But understanding how they work - and the different types available - can make a big difference.
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