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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.
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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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22/10/2026
Our KiwiSaver Growth Fund has ranked #1 for 10-year returns in two independent surveys, by Morningstar and Melville Jessup Weaver (MJW).
investments
Published 13/08/2026
Financial markets had a bumpy July, driven more by nerves around AI and oil prices than by any real change in the economy. Check out our latest market commentary for the latest on shares, bonds, interest rates and inflation.
read more
kiwisaver
Published 12/08/2026
In this advocacy paper, Sam Stubbs is recommending that the Government consider adopting a clear institutional standard for the Chair of the Financial Markets Authority, as a matter of good governance.
education
Published 28/07/2026
You can trust financial information better once you understand the nature of it and who it's coming from. There's never been more financial information available; money advice and opinions are everywhere. That can be a good thing. The more people...
News
Published 27/07/2026
The Government has recently announced $60m of financial support to keep the Golden Bay cement manufacturing plant, owned by Fletcher Building, open. Is this really necessary corporate welfare, asks Sam Stubbs?
Published 14/07/2026
Markets steadied in June 2026 as energy prices eased, central banks raised rates, and AI continued to dominan. Read Simplicity's monthly update around financial markets.
Published 25/06/2026
Simplicity has made a $30m investment commitment to a new Kiwi deep tech and health sciences fund from Bridgewest Ventures’ (BVNZ).
Published 24/06/2026
Simplicity has been named Favourite Low-Fee Fund Manager at the 2026 MoneyHub Editor's Choice Awards. Here's what low KiwiSaver fees mean for your long-term savings.
Published 22/06/2026
National’s proposed KiwiSaver changes could mark a major shift in NZ’s retirement savings system. Sam Stubbs shares why making KiwiSaver a bigger part of the election debate could have long-term benefits for savers, the economy, and future governments.
Published 15/06/2026
Global share markets rebounded in May 2026, with the S&P 500 up 5.3% and NASDAQ surging 8.4%. Read Simplicity's monthly market update covering the US, Europe, Japan, Australia and New Zealand.
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