NZ Funds Life Cycle - Age 75
Life Cycle - Age 75 is a balanced KiwiSaver fund managed by NZ Funds. It has 32 members and holds $2 million. It opened in 2010.
Fees and returns
- Annual fee
- 1.50% of your balance each year
- Return over 1 year
- +5.6% a year
- Return over 3 years
- +5.2% a year
- Return over 5 years
- −0.6% a year
Figures are after fees and tax, as at Q3 2026, sourced from the FMA Disclose Register.
What it invests in
International equities 29%, cash and cash equivalents 24%, australasian equities 18%, new zealand fixed interest 10%.
Largest holdings
- Goldman Sachs Futures 6.94%
- Westpac Cash 4.03%
- Westpac Bank Bill 2.49% 13/04/2026 3.77%
Year by year
| Financial year | Return |
|---|---|
| 2025/26 | +5.6% |
| 2024/25 | +1.5% |
| 2023/24 | +8.6% |
| 2022/23 | −8.3% |
| 2021/22 | −8.9% |
| 2020/21 | +44.1% |
| 2019/20 | −3.5% |
| 2018/19 | +4.0% |
| 2017/18 | +3.4% |
| 2016/17 | +6.3% |
About this fund
The NZ Funds Life Cycle Age 75 Fund is a lifecycle option that automatically allocates across the scheme's three underlying Strategies by age. At age 75 the allocation is 35% to the Income Strategy, 34% to the Inflation Strategy and 31% to the Growth Strategy, giving it a more income-weighted, balanced-risk profile. Life Cycle is used by most NZ Funds members. It has operated since 2010 and carries an annual fund charge of 1.5%.