Pathfinder KiwiSaver Balanced Fund
Pathfinder Kiwisaver Balanced Fund is a balanced KiwiSaver fund managed by Pathfinder. It has 3,121 members and holds $141 million. It opened in 2019.
Fees and returns
- Annual fee
- 1.16% of your balance each year
- Return over 1 year
- +6.7% a year
- Return over 3 years
- +7.0% a year
- Return over 5 years
- +4.8% 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 +4.8% a year. The median for mainstream balanced funds over the same period was +3.7% a year, across 40 funds. This fund is ahead of that median, by 1.1 percentage points.
What it invests in
International equities 33%, international fixed interest 19%, new zealand fixed interest 18%, australasian equities 12%.
Largest holdings
- Cash at Bank - NZD- Westpac 7.06%
- Cash at Bank - NZD- ANZ 4.48%
- Microsoft Corporation 1.45%
Year by year
| Financial year | Return |
|---|---|
| 2025/26 | +6.7% |
| 2024/25 | +2.8% |
| 2023/24 | +11.8% |
| 2022/23 | −1.9% |
| 2021/22 | +5.0% |
| 2020/21 | +21.6% |
About this fund
The Pathfinder KiwiSaver Balanced Fund is an actively managed, ethically screened balanced fund with a roughly even split between growth assets (international and Australasian shares) and income assets (fixed interest and cash). It follows Pathfinder's values-based approach, selecting companies that meet its ethical standards and some private companies with real-world impact. Suggested for a minimum timeframe of five years, it has operated since 2019 and carries an annual fund charge of 1.16%.