Every KiwiSaver fund. Made easier to compare.
Find My Fund turns complex KiwiSaver data into clear comparisons across returns, fees, risk, and holdings. We’re independent, transparent, and don’t take commissions or referral payments.
The best fund for every risk level.
The top after-fee, after-tax performer in each KiwiSaver risk profile, for FY 2025/26.
See the data. Talk through what it means.
Rankings and returns show where each fund stands. Your next step depends on your goals, timeframe, risk comfort, and personal situation.
Find My Fund does not provide financial advice. The adviser hub connects you with licensed advisers who can explain the numbers, answer questions, and talk through your options.
Smarter investing for every New Zealander.
Your KiwiSaver is one of the biggest financial decisions you'll make. We give you the independent data and tools to make sure you're in the right fund — not just the default one.
What is KiwiSaver and why does your choice matter?
KiwiSaver is New Zealand's voluntary retirement savings scheme. When you start working, you're automatically enrolled — and your employer contributes alongside you.
The problem? Most people stay in the default fund they were assigned, often a conservative option that may not match their age, goals, or risk tolerance. Over a 30-year career, the difference between the right fund and the wrong one can be tens of thousands of dollars.
Find My Fund helps you cut through the noise. Compare providers, understand fees, and find the fund that actually fits your life.
KiwiSaver Funds Ranked by Quarterly Return
Your KiwiSaver Toolkit
Everything you need to research, compare, and optimise your retirement savings.
Not sure which fund fits your life?
Our free 2-minute quiz matches you to the right risk profile and fund type based on your age, goals, and comfort level.
Who’s ahead.
Every KiwiSaver fund, ranked by after-fee, after-tax return.Each bar is one year. Green means the fund beat its category average after fees. Grey means it didn’t. A 5/5 fund beat its category in every one of the last five financial years.
One good year can be luck. Repeating it is harder. Hit rate asks whether a manager showed up consistently, not just whether they had one standout year.
A 3-year window shows recent form. A 10-year window tests performance across a fuller cycle, including tougher markets. Switch between them to see which funds stay proven.
Who runs your money.
Every KiwiSaver provider, side by side — styles, fees, and performance.Browse and Compare KiwiSaver Providers
Compare Funds.
Select up to 4 funds to analyse historical performance side by side.Compare KiwiSaver Fund Performance Side by Side
Add at least 2 funds to compare performance
Find my fund type.
Projection Calculator.
Model how your KiwiSaver could grow — with inflation adjustments, first home withdrawals, and fund-level returns.KiwiSaver Balance Projection and Retirement Calculator
Enter your age and salary and pick a fund category to see your KiwiSaver projection
6 ways to get more from your KiwiSaver.
Quick wins and smart moves to maximise your retirement savings.
Three streams of money, one pot
Your pay, your employer's match, and the government — all flowing into your KiwiSaver fund.
Check your fund type
Never chose a fund? You're in a default balanced fund. There are 5 types — Defensive, Conservative, Balanced, Growth, and Aggressive. The right one depends on your age and when you'll need the money. A 25-year-old in a conservative fund could miss out on decades of higher growth.
Up to $260/year free
The government adds 25c for every $1 you contribute, up to $260/year. You need to put in at least $1,042.86 between 1 July and 30 June to get the full amount. Your employee payroll deductions count — but employer contributions don't. Self-employed or on a contribution holiday? You'll need to make voluntary payments directly to your provider.
~$8/week
Bumping your employee contribution from 3.5% to 4.5% on a $60k salary costs about $8 a week — less than two coffees. That extra 1% goes straight into your KiwiSaver and compounds over decades. The earlier you increase it, the bigger the difference at retirement.
Check your PIR
Your KiwiSaver returns are taxed at your Prescribed Investor Rate — 10.5%, 17.5%, or 28% based on your income. If your rate is too high, you're losing returns to unnecessary tax. IRD now reconciles this at year-end, but getting it right upfront means more money stays invested and compounding. Ask your provider or check your rate on myIR.
Is your fund delivering?
A fund charging 1% that returns 12% beats a 0.25% fund returning 6%. Don't just compare fees — compare what you actually get after all costs are deducted. That's the number that grows your balance.
Know the trade-off
After 3+ years as a member, you can withdraw most of your KiwiSaver for a first home. But pulling $30k at age 28 could mean ~$150k less at 65 due to lost compound growth. Property is also an asset that grows — just understand both sides before you decide.
6-step KiwiSaver health check
The quick version — tick these off and you've covered the essentials.
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1
Check your fund type. Never chose one? You're in a default balanced fund. Make sure it matches your age and goals.
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2
Getting the full $260? You need to contribute at least $1,042.86/yr of your own money. Payroll deductions count — employer contributions don't. If you're self-employed or on a contribution holiday, set up a $20/week auto-payment to your provider.
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3
Bump your employee contribution. Going from 3.5% to 4.5% costs about $8/week on a $60k salary — that small increase compounds into a big difference over time.
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4
Compare after-fee returns. A higher-fee fund can still outperform a low-fee fund. Focus on what you actually receive after all costs.
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5
Check your PIR. Your KiwiSaver returns are taxed at 10.5%, 17.5%, or 28% based on your income. Too high = unnecessary tax drag on your returns. IRD now reconciles at year-end, but getting it right upfront keeps more money compounding.
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6
Review your provider. Not all providers perform equally. Compare yours against others on returns, fees, and service — switching is free and takes 10–35 days.
Frequently Asked Questions.
Real questions from real New Zealanders about KiwiSaver. Tap any question to see the answer.Still have questions?
Get in touch — we're happy to help.
Our Mission.
Every Kiwi deserves to know exactly what their KiwiSaver is doing. Find My Fund tracks every single fund since day one — returns, fees, risk, and holdings — and puts it all in one place so you can finally see how yours stacks up against the rest.
Financial data is complicated, but understanding your KiwiSaver shouldn't be. Right now, it's incredibly hard for everyday Kiwis to know if their fund is keeping up with its peers. The data exists, but until now, there hasn't been a single place to view it all.
We built Find My Fund to be that one source of truth — taking complex data and turning it into simple, plain-English education. We aren't here to give you financial advice or tell you what to do. Our only goal is to give you the clear comparisons you need to make confident, informed decisions about your money.
We believe in total independence. It's the foundation of everything we do, and it will never change. We simply let the data speak for itself, bringing you the transparent facts so you can confidently choose what's best for you.
Contact Us.
Questions, feedback, or just want to say hello?
Send a message
Terms of Service.
By using Find My Fund, you agree to the following terms.
1. Educational tool only — not financial advice
Find My Fund is an educational comparison tool. The information provided on this platform is general in nature and does not constitute personalised financial advice under the Financial Markets Conduct Act 2013. We are not a Financial Advice Provider. Nothing on this site is a recommendation to buy, sell, switch, or hold any financial product including KiwiSaver funds. Use Find My Fund as a starting point for your own research, then seek professional advice from a licensed financial adviser if you need help making decisions.
2. Data accuracy
All fund data displayed on Find My Fund is sourced from the Disclose Register (Companies Office), which KiwiSaver providers are legally required to update quarterly. We make every effort to ensure accuracy, but we do not guarantee the completeness, accuracy, or timeliness of any data displayed. Returns shown are historical, after fees and tax, and are not a guarantee of future performance.
3. No liability
Find My Fund and its operators accept no liability for any loss, damage, or financial decisions made based on the information provided on this platform. Your investment decisions are your own responsibility. KiwiSaver investments are subject to risk, including the potential loss of principal. Past performance is not a reliable indicator of future returns.
4. Your data
You can use Find My Fund without creating an account. We collect limited personal information only when you contact us (your name, email address, and message) or when a financial adviser registers for an adviser account. We do not sell, share, or distribute your personal information to third parties. For full details on what we collect, how we store it, and your rights, see our Privacy Policy.
5. Your agreement
By using Find My Fund — including the Rankings, fund comparisons, projections calculator, fund quiz, and any other tools — you acknowledge that this platform provides educational information only and that you accept responsibility for your own financial decisions. You agree not to rely solely on the information provided here when making investment decisions.
Questions about these terms? Contact us at hello@findmyfund.co.nz
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Privacy Policy.
How we handle your data — kept simple and transparent.
1. Information we collect
You can browse Find My Fund — including the rankings, comparisons, projections, and fund quiz — without creating an account, and we don't collect personal information for those tools. Quiz answers stay in your browser and are not stored by us. Through the contact form, we collect your name, email, and message. Financial advisers who register for an adviser account provide a name, email address, and password (stored securely with encryption). We also collect anonymised usage data (pages visited, features used) via Google Analytics — only with your consent.
2. How we use your information
We use your information to respond to enquiries, provide adviser access to research tools, and improve the platform based on aggregated usage patterns. We do not sell, rent, or share your personal information with third parties for marketing purposes.
3. Data storage & security
Your data is stored securely using industry-standard encryption via Supabase (hosted in Australia). Passwords are hashed and never stored in plain text. We apply reasonable technical and organisational safeguards to protect your information.
4. Cookies
We use essential cookies to remember your preferences (and to keep advisers signed in to research mode). With your consent, we use Google Analytics cookies to understand how the site is used. You can manage your cookie preferences at any time via the banner or by clearing your browser data.
5. Your rights
Under the New Zealand Privacy Act 2020, you have the right to access, correct, or delete your personal information at any time. To make a request, contact us at hello@findmyfund.co.nz.
6. Third-party services
We use Supabase for adviser authentication and data storage, Google Analytics (via Google Tag Manager) for anonymised usage analytics, and Netlify for hosting and content delivery. These providers are contractually bound to protect your data and only process it as instructed by us.
7. Changes to this policy
We may update this policy from time to time. Significant changes will be communicated via our website. Your continued use of Find My Fund after changes constitutes acceptance of the updated policy.
Questions about your privacy? Contact us at hello@findmyfund.co.nz
Investnow Mint Diversified Income Fund
Investnow Mint Diversified Income Fund is a conservative KiwiSaver fund managed by InvestNow. It has 536 members and holds $9 million. It opened in 2020.
Fees and returns
- Annual fee
- 0.98% of your balance each year
- Return over 1 year
- −0.2% a year
- Return over 3 years
- +3.3% a year
- Return over 5 years
- +1.4% a year
Figures are after fees and before tax, as at Q3 2026, sourced from the FMA Disclose Register.
What it invests in
New zealand fixed interest 52%, australasian equities 20%, international equities 11%, international fixed interest 8%.
Largest holdings
- Mint Diversified Income Fund 100.0%
Year by year
| Financial year | Return |
|---|---|
| 2025/26 | −0.2% |
| 2024/25 | +4.3% |
| 2023/24 | +5.8% |
| 2022/23 | −2.2% |
| 2021/22 | −0.7% |
About this fund
InvestNow's wrapper access to the Mint Diversified Income Fund, managed by Mint Asset Management — a multi-asset portfolio across cash, fixed interest and equities, with a larger share allocation than most conservative funds. It has an annual fund charge of 0.98%.
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