Fees
KiwiSaver fees.
Every KiwiSaver fund, ranked by fee.
Compare KiwiSaver fees by fund type
Defensive KiwiSaver funds ranked by fee
Defensive funds typically charge 0.43% a year. Cash and income funds are ranked separately.
#
Cash funds 19
01
Cash Fund0.22%+2.6%01Cash Fund0.22%+2.6%03
Cash Plus Fund0.25%Too new03
Cash Fund0.25%+2.6%03
Defensive Fund0.25%Too new03
Cash Fund0.25%+2.7%07
Cash Fund0.30%+2.5%08
Cash Fund0.32%+2.4%09
NZ Cash Fund0.35%+2.4%10
Liquidity Fund0.40%Too new11
Cashplus Fund0.43%Too new11Cash Fund0.43%+2.3%13
Cash Fund0.45%+2.7%13
Wealth Cash Fund0.45%Too new15
NZ Cash Fund0.52%+2.4%16
Cash Fund0.57%+2.2%17
Cash Fund0.63%+2.2%18
Enhanced Cash Fund0.75%+2.1%19BScheme0.77%+2.5%Income funds 7
01
Cash Fund0.20%+2.6%02
Amova NZ Cash Fund0.40%+2.6%03
New Zealand Cash0.50%+2.4%04Income Fund0.56%+0.3%05
Income Fund0.80%+1.0%06Wealth Income Fund0.87%+0.3%07
Income Strategy1.12%+0.9%No funds match these filters.
Conservative KiwiSaver funds ranked by fee
Conservative funds typically charge 0.75% a year.
#
01Conservative Fund0.25%Too new01Conservative Fund0.25%+1.8%03Conservative Fund0.40%+2.6%03Conservative Fund0.40%+2.4%03Defensive Conservative Fund0.40%+2.3%06Conservative Fund0.45%+2.1%06First Home Buyer Fund0.45%+2.6%08Responsible Conservative Fund0.49%+2.2%09Core Conservative Fund0.51%+2.8%10Conservative Fund0.57%+2.5%11Conservative Fund0.60%+1.7%11Conservative Fund0.60%+1.7%13
Conservative Portfolio0.61%+2.1%14Conservative Fund0.67%+2.2%15Conservative Balanced Fund0.73%+2.3%15Conservative Balanced Fund0.73%+2.3%17Conservative Strategy0.75%Too new17Conservative Selection0.75%+2.2%19Conservative Fund0.76%+2.3%19
Conservative Fund0.76%+3.4%21
PIE KiwiSaver Conservative Fund0.78%+1.8%22Conservative Fund0.84%+2.0%23Conservative Fund0.85%+2.6%24Conservative Fund0.87%+2.4%25Lifesaver Conservative Fund0.89%+2.0%26Amova Conservative Fund0.90%+1.6%27Capital Guaranteed Fund0.91%+2.6%28
Conservative Fund0.92%+2.7%29Conservative Fund0.93%+2.0%30Global Select Conservative Fund1.00%+2.0%31First Home Buyer Strategy1.04%Too new32Conservative Fund1.08%Too new33
Conservative Fund1.10%+2.1%34Asset Class Conservative Fund1.12%+1.7%35Conservative Fund1.25%Too new
Conservative Fund0.25%Too new01Conservative Fund0.25%+1.8%03Conservative Fund0.40%+2.6%03Conservative Fund0.40%+2.4%03Defensive Conservative Fund0.40%+2.3%06Conservative Fund0.45%+2.1%06First Home Buyer Fund0.45%+2.6%08Responsible Conservative Fund0.49%+2.2%09Core Conservative Fund0.51%+2.8%10Conservative Fund0.57%+2.5%11Conservative Fund0.60%+1.7%11Conservative Fund0.60%+1.7%13Conservative Portfolio0.61%+2.1%14Conservative Fund0.67%+2.2%15Conservative Balanced Fund0.73%+2.3%15Conservative Balanced Fund0.73%+2.3%17Conservative Strategy0.75%Too new17Conservative Selection0.75%+2.2%19Conservative Fund0.76%+2.3%19Conservative Fund0.76%+3.4%21PIE KiwiSaver Conservative Fund0.78%+1.8%22Conservative Fund0.84%+2.0%23Conservative Fund0.85%+2.6%24Conservative Fund0.87%+2.4%25Lifesaver Conservative Fund0.89%+2.0%26Amova Conservative Fund0.90%+1.6%27Capital Guaranteed Fund0.91%+2.6%28Conservative Fund0.92%+2.7%29Conservative Fund0.93%+2.0%30Global Select Conservative Fund1.00%+2.0%31First Home Buyer Strategy1.04%Too new32Conservative Fund1.08%Too new33Conservative Fund1.10%+2.1%34Asset Class Conservative Fund1.12%+1.7%35Conservative Fund1.25%Too newNo funds match these filters.
Balanced KiwiSaver funds ranked by fee
Balanced funds typically charge 0.79% a year.
#
01Default Fund0.20%Too new02Balanced Fund0.25%Too new02Balanced Fund0.25%+4.4%02Default Fund0.25%Too new05Default Fund0.35%Too new05Default Saver Fund0.35%Too new07Default Fund0.37%Too new08Default Balanced Fund0.40%Too new08Moderate Fund0.40%+3.1%10Balanced Fund0.45%+4.4%10Moderate Fund0.45%+3.3%12Balanced Fund0.50%+4.0%13Moderate Fund0.60%+3.6%13Balanced Fund0.60%+4.3%15Balanced Fund0.65%+4.9%16Responsible Moderate Fund0.66%+3.0%17
Balanced Fund0.70%Too new17Ethica Fund0.70%+4.3%19Balanced Portfolio0.71%+4.7%20Moderate Fund0.73%+3.0%21Responsible Balanced Fund0.75%+4.0%22Moderate Balanced Fund0.76%+3.8%22Moderate Fund0.76%+3.1%22Growth Portfolio0.76%Too new25Balanced Fund0.77%+4.6%25Balanced Fund No. 20.77%+4.5%27Balanced Fund0.80%+4.0%28Balanced Fund0.88%+3.0%28Balanced Fund0.88%+3.0%30PIE KiwiSaver Balanced Fund0.89%+2.1%31Balanced Selection0.90%+3.4%32Balanced Strategy0.93%Too new33Moderate Fund0.94%+3.1%34Moderate Fund0.95%+3.6%35Balanced Fund0.98%+4.3%36Lifesaver Balanced Fund0.99%+2.8%37Balanced Strategy1.00%+2.9%38Balanced Fund1.02%+7.2%38Socially Responsible Investment Fund1.02%+6.8%40Balanced Fund1.04%+3.6%41Balanced Fund1.05%+4.9%42Moderate Fund1.08%+2.2%43Socially Responsible Moderate Fund1.09%+2.3%44Moderate Fund1.14%+3.5%44Amova Balanced Fund1.14%+2.1%46Balanced Fund1.16%+4.8%47Balanced Fund1.18%+3.6%48Asset Class Balanced Fund1.20%+3.8%49Socially Responsible Balanced Fund1.21%+4.0%50Balanced Fund1.23%+3.8%51Balanced Fund1.24%Too new52Balanced Fund1.35%+4.8%53Balanced Strategy1.40%Too new
Default Fund0.20%Too new02Balanced Fund0.25%Too new02Balanced Fund0.25%+4.4%02Default Fund0.25%Too new05Default Fund0.35%Too new05Default Saver Fund0.35%Too new07Default Fund0.37%Too new08Default Balanced Fund0.40%Too new08Moderate Fund0.40%+3.1%10Balanced Fund0.45%+4.4%10Moderate Fund0.45%+3.3%12Balanced Fund0.50%+4.0%13Moderate Fund0.60%+3.6%13Balanced Fund0.60%+4.3%15Balanced Fund0.65%+4.9%16Responsible Moderate Fund0.66%+3.0%17Balanced Fund0.70%Too new17Ethica Fund0.70%+4.3%19Balanced Portfolio0.71%+4.7%20Moderate Fund0.73%+3.0%21Responsible Balanced Fund0.75%+4.0%22Moderate Balanced Fund0.76%+3.8%22Moderate Fund0.76%+3.1%22Growth Portfolio0.76%Too new25Balanced Fund0.77%+4.6%25Balanced Fund No. 20.77%+4.5%27Balanced Fund0.80%+4.0%28Balanced Fund0.88%+3.0%28Balanced Fund0.88%+3.0%30PIE KiwiSaver Balanced Fund0.89%+2.1%31Balanced Selection0.90%+3.4%32Balanced Strategy0.93%Too new33Moderate Fund0.94%+3.1%34Moderate Fund0.95%+3.6%35Balanced Fund0.98%+4.3%36Lifesaver Balanced Fund0.99%+2.8%37Balanced Strategy1.00%+2.9%38Balanced Fund1.02%+7.2%38Socially Responsible Investment Fund1.02%+6.8%40Balanced Fund1.04%+3.6%41Balanced Fund1.05%+4.9%42Moderate Fund1.08%+2.2%43Socially Responsible Moderate Fund1.09%+2.3%44Moderate Fund1.14%+3.5%44Amova Balanced Fund1.14%+2.1%46Balanced Fund1.16%+4.8%47Balanced Fund1.18%+3.6%48Asset Class Balanced Fund1.20%+3.8%49Socially Responsible Balanced Fund1.21%+4.0%50Balanced Fund1.23%+3.8%51Balanced Fund1.24%Too new52Balanced Fund1.35%+4.8%53Balanced Strategy1.40%Too newNo funds match these filters.
Growth KiwiSaver funds ranked by fee
Growth funds typically charge 1.02% a year.
#
01Growth Fund0.25%+6.0%02Growth Fund0.45%+5.6%03Growth Fund0.55%+4.9%04Growth Fund0.61%+5.5%05Growth Fund0.70%+6.2%06Growth Fund0.75%Too new07Growth Fund0.77%+5.9%08Responsible Growth Fund0.84%+5.1%09Growth Fund0.88%+5.1%10Growth Selection0.90%+4.5%11Balanced Growth Fund0.92%+3.7%11Balanced Growth Fund0.92%+3.7%13Growth Fund0.96%+4.5%13Growth Fund0.96%+4.5%15Growth Fund0.98%+5.5%16PIE KiwiSaver Growth Fund1.01%+1.6%17Growth Strategy1.02%Too new18Growth Fund1.05%+3.5%18Active Growth Fund1.05%+6.8%20Lifesaver Growth Fund1.09%+3.4%21Global Select Balanced Growth Fund1.10%+4.7%22Growth Fund1.13%+4.3%23Global Select Growth Fund1.19%+5.5%24Socially Responsible Growth Fund1.22%Too new25Growth Fund1.23%+4.6%26Growth Fund1.25%+5.5%27Growth Fund1.27%+9.0%28Growth Fund1.28%+5.6%29Amova Growth Fund1.29%+2.4%29Growth Fund1.29%+5.0%31Growth Fund1.50%Too new31Growth Fund1.50%+6.9%33
Plan3.33%+7.4%
Growth Fund0.25%+6.0%02Growth Fund0.45%+5.6%03Growth Fund0.55%+4.9%04Growth Fund0.61%+5.5%05Growth Fund0.70%+6.2%06Growth Fund0.75%Too new07Growth Fund0.77%+5.9%08Responsible Growth Fund0.84%+5.1%09Growth Fund0.88%+5.1%10Growth Selection0.90%+4.5%11Balanced Growth Fund0.92%+3.7%11Balanced Growth Fund0.92%+3.7%13Growth Fund0.96%+4.5%13Growth Fund0.96%+4.5%15Growth Fund0.98%+5.5%16PIE KiwiSaver Growth Fund1.01%+1.6%17Growth Strategy1.02%Too new18Growth Fund1.05%+3.5%18Active Growth Fund1.05%+6.8%20Lifesaver Growth Fund1.09%+3.4%21Global Select Balanced Growth Fund1.10%+4.7%22Growth Fund1.13%+4.3%23Global Select Growth Fund1.19%+5.5%24Socially Responsible Growth Fund1.22%Too new25Growth Fund1.23%+4.6%26Growth Fund1.25%+5.5%27Growth Fund1.27%+9.0%28Growth Fund1.28%+5.6%29Amova Growth Fund1.29%+2.4%29Growth Fund1.29%+5.0%31Growth Fund1.50%Too new31Growth Fund1.50%+6.9%33Plan3.33%+7.4%No funds match these filters.
Aggressive KiwiSaver funds ranked by fee
Aggressive funds typically charge 1.10% a year.
#
01High Growth Fund0.25%Too new01High Growth Fund0.25%Too new03High Growth Fund0.45%Too new04High Growth Fund0.63%+6.7%05High Growth Fund0.70%Too new06Aggressive Fund0.75%0.0%07Aggressive Fund0.77%+6.7%08High Growth Fund0.80%Too new09Responsible High Growth Fund0.89%+5.9%10High Growth Fund0.94%+6.1%11High Growth Fund0.95%Too new11High Growth Fund0.95%Too new13Aggressive Fund0.97%+6.1%14Strategic High Growth Fund1.10%Too new15Aggressive Fund1.15%+6.4%16Wealth High Growth Fund1.17%+7.4%17Socially Responsible High Growth Fund1.23%+6.8%17Aggressive Fund1.23%Too new19Asset Class Growth Fund1.25%+6.4%19PIE KiwiSaver Aggressive Fund1.25%Too new21Focused Growth Fund1.27%+6.4%22High Growth Fund1.28%+5.7%23Shielded Growth Fund1.29%+5.1%24High Growth Fund1.31%Too new25Amova High Growth Fund1.35%Too new26Inflation Strategy1.42%−2.3%27Growth Strategy2.01%−0.9%
High Growth Fund0.25%Too new01High Growth Fund0.25%Too new03High Growth Fund0.45%Too new04High Growth Fund0.63%+6.7%05High Growth Fund0.70%Too new06Aggressive Fund0.75%0.0%07Aggressive Fund0.77%+6.7%08High Growth Fund0.80%Too new09Responsible High Growth Fund0.89%+5.9%10High Growth Fund0.94%+6.1%11High Growth Fund0.95%Too new11High Growth Fund0.95%Too new13Aggressive Fund0.97%+6.1%14Strategic High Growth Fund1.10%Too new15Aggressive Fund1.15%+6.4%16Wealth High Growth Fund1.17%+7.4%17Socially Responsible High Growth Fund1.23%+6.8%17Aggressive Fund1.23%Too new19Asset Class Growth Fund1.25%+6.4%19PIE KiwiSaver Aggressive Fund1.25%Too new21Focused Growth Fund1.27%+6.4%22High Growth Fund1.28%+5.7%23Shielded Growth Fund1.29%+5.1%24High Growth Fund1.31%Too new25Amova High Growth Fund1.35%Too new26Inflation Strategy1.42%−2.3%27Growth Strategy2.01%−0.9%No funds match these filters.
Specialist KiwiSaver funds and their fees
Funds that hold one kind of investment, like shares or bonds. Not ranked, as they aren’t like for like.
Fund 135 fundsFee5-year return
Australasian Shares Fund0.75%+1.3%Global Fixed Interest Fund0.76%−0.5%International Shares Fund0.77%+9.9%NZ Fixed Interest Fund0.78%−0.2%Australasian Property Fund1.01%−4.2%Australasian Share Fund0.99%+0.1%International Fixed Interest Fund0.49%−0.6%International Property Fund0.99%+3.1%International Share Fund0.96%+8.3%New Zealand Fixed Interest Fund0.34%+0.7%Select International Share Fund0.90%+12.4%Geared Growth Fund1.38%+6.1%Socially Responsible Geared Growth Fund1.34%Too newLifesaver Equity Fund1.14%+3.6%Lifesaver New Zealand Fixed Income Fund0.65%+0.9%Lifesaver Preservation Fund0.51%+2.4%Lifesaver Trans Tasman Equity Fund0.93%+0.3%Australasian Fund1.19%Too newGlobal Fund1.18%Too newThematic Fund1.18%Too newAmova Ark Disruptive Innovation Fund1.45%−7.8%Amova Global Shares Fund1.35%+6.7%Amova NZ Corporate Bond Fund0.70%+1.6%Amova Sri Equity Fund1.15%+0.8%Generate Thematic Fund1.45%Too new
Antipodes Global Value Fund1.08%Too newCastle Point Trans-Tasman Fund1.08%−0.9%Clarity Global Shares Fund1.07%+13.6%Foundation Series Global Esg Fund0.10%Too newFoundation Series Hedged Total World Fund0.07%Too newFoundation Series Hedged US 500 Fund0.03%Too newFoundation Series Nasdaq-100 Fund0.15%Too newFoundation Series Total World Fund0.07%Too newFoundation Series US 500 Fund0.03%Too newFoundation Series US Dividend Equity Fund0.06%Too newHarbour Australasian Equity Focus Fund1.21%−1.4%Harbour NZ Core Fixed Interest Fund0.66%+1.1%Harbour T. Rowe Price Global Equity Fund1.21%+5.7%Hunter Global Fixed Interest Fund0.54%0.0%Macquarie NZ Cash Fund0.30%+2.5%Macquarie NZ Fixed Interest Fund0.61%+0.7%Mercer All Country Global Shares Index Fund0.43%+9.5%Mercer Global Listed Real Estate Fund1.35%+1.0%Mercer NZ Shares Passive Fund0.36%0.0%Mercer Responsible Hedged Global Fixed Interest Index Fund0.44%−0.6%Mint Australasian Equity Fund1.19%−0.3%Russell Investments Global Fixed Interest Fund0.58%−0.3%Russell Investments Global Shares Fund0.93%+11.1%Russell Investments Hedged Global Shares Fund0.92%+6.9%Russell Investments NZ Fixed Interest Fund0.49%+0.9%Salt Enhanced Property Fund1.02%−1.7%Te Ahumairangi Global Equity Fund0.62%Too newAustralia 100 Fund0.25%Too newEmerging Markets Fund0.45%Too newGlobal Esg (NZd Hedged) Fund0.25%Too newGlobal Esg Fund0.25%Too newGlobal Infrastructure (NZd Hedged) Fund0.25%Too newGlobal Infrastructure Fund0.25%Too newGlobal Property (NZd Hedged) Fund0.25%Too newNZ 20 Fund0.25%Too newNZ 50 Esg Tilted Fund0.25%Too newNZ Bond Fund0.40%Too newNZ Commercial Property Fund0.25%Too newNZ Small & Mid Cap Opportunities Fund0.25%Too newS&P 500 (NZd Hedged) Fund0.25%Too newS&P 500 (Unhedged) Fund0.25%Too newS&P Global 100 (NZd Hedged) Fund0.25%Too newS&P Global 100 Fund0.25%Too newS&P Global Clean Energy Fund0.45%Too newS&P Global Dividend Aristocrats Fund0.25%Too newUS Bond Fund0.30%Too newWorld Ex-US (NZd Hedged) Fund0.25%Too newWorld Ex-US Fund0.25%Too newBitcoin Fund1.10%Too newClean Energy Fund1.10%Too newEmerging Markets Equities Fund0.63%+6.8%Fixed Interest Fund0.63%+1.4%New Zealand Equities Fund0.63%−0.4%NZ Property Fund1.10%Too newRest Of World Equities Fund0.63%+8.0%US Equities Fund0.63%+11.6%Global Equities Fund0.98%+6.7%Responsible Shares Fund0.95%+5.8%Shares Fund0.96%+6.5%Altum Fund1.27%+7.1%Australian Equity Fund1.27%+7.1%Fixed Interest Fund0.76%+1.9%Income Fund0.76%+2.9%International Equity (NZd Hedged) Fund1.15%Too newInternational Equity Fund1.17%+13.7%New Zealand Equity Fund1.27%+0.7%Wealth Focused Growth Fund1.20%Too new
PIE Global Growth 2 Fund1.49%Too newUS500 Fund0.09%Too newAustralian Equities0.90%+8.0%Global Equities0.90%+6.9%Global Fixed Interest0.75%+0.2%Listed Property0.90%−2.7%New Zealand Equities0.90%+1.5%New Zealand Fixed Interest0.75%+1.2%Asia Pacific Fund0.59%+8.7%Australian Dividend Fund0.59%+10.0%Australian Financials Fund0.59%+14.0%Australian Mid Cap Fund0.59%+8.8%Australian Property Fund0.59%+2.7%Australian Resources Fund0.59%+12.7%Australian Shares Fund0.59%+8.6%Australian Top 20 Fund0.59%+10.1%Castle Point 5 Oceans Fund1.28%+3.5%Emerging Markets Fund0.73%+5.8%Europe Fund0.59%+10.7%Global Aggregate Bond Fund0.59%−1.5%Global Property Fund0.58%−0.1%NZ Bonds Fund0.54%+1.5%NZ Dividend Fund0.59%+3.0%NZ Mid Cap Fund0.59%+0.4%NZ Property Fund0.59%−3.3%NZ Shares Fund0.59%−0.5%NZ Top 10 Fund0.59%−0.3%NZ Top 50 Fund0.59%−0.5%Overseas Bonds Fund0.59%−0.1%Overseas Non-Government Bonds Fund0.54%−0.1%Overseas Shares (Currency Hedged) Fund0.58%+8.6%Overseas Shares Fund0.58%+11.5%S&P/Asx 200 Fund0.59%+8.8%S&P/NZx 50 Fund0.59%−0.2%S&P/NZx NZ Government Bond Fund0.54%−0.1%Total World (NZd Hedged) Fund0.58%+7.6%Total World Fund0.58%+11.1%Uk Cash Fund0.49%+3.5%US 500 Fund0.54%+14.1%US Large Growth Fund0.57%+13.6%US Large Value Fund0.57%+13.1%US Mid Cap Fund0.57%+9.1%US Small Cap Fund0.57%+7.6%No funds match these filters.
Lifecycle KiwiSaver funds and their fees
Funds that change their mix as you get older. Not ranked, as they aren’t like for like.
Fund 45 fundsFee5-year return
Aggressive Fund (Lifesteps)0.77%+6.7%Balanced Fund (Lifesteps)0.77%+4.6%Conservative Fund (Lifesteps)0.76%+2.3%Growth Fund (Lifesteps)0.77%+5.9%Moderate Balanced Fund (Lifesteps)0.76%+3.8%Moderate Fund (Lifesteps)0.76%+3.1%Retirementplus Age 501.50%Too newRetirementplus Age 651.38%Too newRetirementplus Age 751.29%Too newGlidepath Age 251.23%Too newGlidepath Age 301.05%+3.5%Glidepath Age 401.21%Too newGlidepath Age 501.03%+3.3%Glidepath Age 551.11%+3.7%Glidepath Age 600.98%+2.7%Glidepath Age 650.91%Too newGlidepath Age 750.94%+2.1%Glidepath Age 750.84%Too newStepping Stones 0-351.27%+6.7%Stepping Stones 36-451.25%+5.5%Stepping Stones 46-551.24%+4.3%Stepping Stones 56-601.19%+4.0%Stepping Stones 61-641.14%+3.5%Stepping Stones 65-751.11%Too newStepping Stones 76+1.08%Too newStepping Stones Growth 0-501.27%+7.0%Stepping Stones Growth 51-551.25%+5.5%Stepping Stones Growth 56-601.24%+4.3%Stepping Stones Growth 61-751.14%Too newStepping Stones Growth 76+1.08%Too newLife Cycle - Age 0-541.91%−0.8%Life Cycle - Age 651.57%−0.7%Life Cycle - Age 751.50%−0.6%Lifestages Auto Option Age 0 - 491.17%+7.3%Lifestages Auto Option Age 50 - 541.11%+5.9%Lifestages Auto Option Age 55 - 591.05%+4.5%Lifestages Auto Option Age 60 - 640.99%+3.1%Lifestages Auto Option Age 65+0.96%+2.4%Age Steps - Age 200.63%+6.4%Age Steps - Age 300.62%+5.4%Age Steps - Age 400.62%+5.4%Age Steps - Age 500.61%+5.1%Age Steps - Age 600.60%+4.0%Age Steps - Age 700.58%+2.9%Age Steps - Age 800.56%+1.0%No funds match these filters.
Platform KiwiSaver funds and their fees
Funds offered through a platform and run by another manager. Not ranked, as they aren’t like for like.
Fund 37 fundsFee5-year return
Milford Active Growth Fund1.49%Too newMilford Aggressive Fund1.49%Too newMilford Balanced Fund1.35%Too newMilford Conservative Fund1.25%Too newGenerate Balanced Fund1.49%Too newGenerate Focused Growth Fund1.51%Too newMilford Active Growth Fund1.25%Too newMilford Aggressive Fund1.35%Too newMilford Balanced Fund1.25%Too newMilford Conservative Fund1.05%Too newPathfinder Ethical Growth Fund1.51%Too newSalt Capital Growth Fund1.30%Too newCastle Point 5 Oceans Fund1.18%+3.9%Fisher Funds Conservative Fund0.93%Too newFisher Funds Growth Fund1.02%Too newFoundation Series Balanced Fund0.36%+4.8%Foundation Series Growth Fund0.38%+6.3%Foundation Series High Growth Fund0.37%Too newGenerate Focused Growth Fund1.39%Too newHarbour Balanced Growth Fund1.04%Too newMercer Responsible Balanced Fund1.27%+3.4%Milford Active Growth Fund1.05%Too newMilford Aggressive Fund1.15%Too newMilford Balanced Fund1.06%+4.7%Milford Conservative Fund0.87%+2.5%Mint Diversified Growth Fund1.20%+2.4%Mint Diversified Income Fund0.98%+1.4%Pathfinder Ethical Growth Fund1.34%Too newSalt Capital Growth Fund1.10%Too newSmart Growth Fund0.51%Too newFisher Funds Growth Fund1.20%Too newGenerate Focused Growth Fund1.31%Too newMilford Aggressive Fund1.15%Too newPathfinder Ethical Growth Fund1.35%Too newSmartshares Balanced Fund0.50%Too newSmartshares Conservative Fund0.47%Too newSmartshares Growth Fund0.51%Too newNo funds match these filters.
How much does a 1% fee cost?
A small yearly fee adds up over a working life. But the fee is only half the story.
Fee higher by
$46,000less at 65, from a fee 1% higher each year
Both earn the same return before fees. Example: age 30, earning $75,000, $25,000 saved, 3.5% plus 3.5% from their employer, in a Balanced fund. In today’s dollars.
What reaches your balance is the return after fees, so a fund that earns more can be worth a higher fee. Compare returns after fees on KiwiSaver rankings.
Common questions
What is a good KiwiSaver fee?
There’s no single number. Funds with more shares usually cost more to run, so compare a fund with others of the same type. The typical fees above are a good place to start.
What does the fee include?
It’s the fund’s total annual fund charge, as a share of your balance, from the FMA Disclose Register. Some providers also charge a small yearly member fee in dollars, which isn’t included.
Are fees already taken off the returns?
Yes. Every return on this site is after fees and tax, so a fund’s return already shows what its fees cost.
Is a lower fee always better?
Not on its own. What reaches your balance is the return after fees. Fund check shows how your fund is doing against funds like it.
Fees and returns are from the FMA Disclose Register. They show what funds charge, not which fund is right for you, so nothing on this page is financial advice. Advice is given only inside Digital KiwiSaver Advice, based on your answers.