BCF KiwiSaver Scheme
Bcf Kiwisaver Scheme is a defensive KiwiSaver fund managed by BCF. It has 728 members and holds $20 million. It opened in 2011.
Fees and returns
- Annual fee
- 0.77% of your balance each year
- Return over 1 year
- +2.7% a year
- Return over 3 years
- +3.3% a year
- Return over 5 years
- +2.5% a year
Figures are after fees and tax, as at Q3 2026, sourced from the FMA Disclose Register.
How it compares
Over the last five years this fund returned +2.5% a year. The median for cash funds over the same period was +2.5% a year, across 13 funds. This fund is level with that median.
What it invests in
Cash and cash equivalents 91%, new zealand fixed interest 9%.
Largest holdings
- Tsb Term Deposit 26.54%
- Asb Term Deposit 25.21%
- Kiwibank Term Deposit 22.35%
Year by year
| Financial year | Return |
|---|---|
| 2025/26 | +2.7% |
| 2024/25 | +3.7% |
| 2023/24 | +3.4% |
| 2022/23 | +1.8% |
| 2021/22 | +0.7% |
| 2020/21 | +1.2% |
| 2019/20 | +1.7% |
| 2018/19 | +2.1% |
| 2017/18 | +1.3% |
| 2016/17 | +1.4% |
About this fund
The BCF KiwiSaver Scheme is a restricted scheme open only to members of the Brethren Christian Fellowship. It is a defensive fund invested principally in term deposits with New Zealand-registered banks, with a small exposure to related-party investments — businesses owned by Fellowship members and arm's-length loans to Fellowship members or organisations. It has an annual fund charge of 0.77%.