Independent KiwiSaver education for New Zealanders
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What is this money for?
When will you use it?
Your balance drops 20% in a month. You…
Your details
Your suggested fund type
Growth
Fund data last updated 30/06/2026 · How matching works
With that timeframe, short-term dips matter far less than fees and staying invested.
Picking the cheapest of these over the dearest could be worth roughly $169,280 to you over 20 years.
Growth fund with a 1.05% annual fee and 75% growth assets. Data sourced from FundCompare NZ.
In 20 years
$444,475
Why this fund appeared: matches your growth suggestion for a 13-25 years timeframe. Fee 1.05%, 10-yr return 8.9%. How matching works
Aggressive fund with a 0.25% annual fee and 100% growth assets. Data sourced from FundCompare NZ.
In 20 years
$1,237,427
Why this fund appeared: sits one step more aggressive than your growth suggestion. Fee 0.25%, 10-yr return 16.1%. How matching works
Balanced fund with a 0.25% annual fee and 60% growth assets. Data sourced from FundCompare NZ.
In 20 years
$547,349
Why this fund appeared: sits one step more defensive than your growth suggestion. Fee 0.25%, 10-yr return 10.4%. How matching works
Growth fund with a 1.39% annual fee and 80% growth assets. Data sourced from FundCompare NZ.
In 20 years
$389,863
Why this fund appeared: matches your growth suggestion for a 13-25 years timeframe. Fee 1.39%, 10-yr return 8.0%. How matching works
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Projections hold your contribution and gross employer contribution at 3.5% each throughout (current minimums from 1 April 2026); they do not model the April 2028 increase to 4% or ESCT. The government adds 25c per $1 of your own contributions, capped at $260.72 a year, with none above $180,000 annual taxable income. Salary is used as a proxy for taxable income. Full-year NZ-resident eligibility from age 16 to before 65 is assumed; part-year eligibility is not modelled. Past average returns are assumed to continue — they are not a forecast. See IRD government contribution rules. Educational information only, not financial advice. Fund figures last updated 30/06/2026.
On a $60,000 balance held for 25 years, a one-percent fee gap can quietly remove more than the price of a new car. Fees come out whether markets rise or fall.
A growth fund is not reckless if you have twenty years. It is reckless if your house deposit is due in eighteen months. The question is when you need the money.
Hundreds of thousands of New Zealanders sit in a fund a payroll form chose. It may be right. It has never once been checked against your actual plan.
The standard employee and employer minimums are 3.5% from 1 April 2026. Contribute at least $1,042.86 of your own money between 1 July and 30 June for up to $260.72 from the government if eligible: generally NZ-resident, aged 16 to under 65, with annual taxable income of $180,000 or less. Check your PIR too.
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Yes, and it is free. You apply to the new provider and they arrange the transfer — usually a couple of weeks. You can only be in one KiwiSaver scheme at a time, and switching does not reset anything.
Usually yes, once the purchase is within a few years. A growth fund that falls 20% the quarter before settlement can cost you the deposit. The trade-off is giving up some growth in exchange for certainty you actually need.
Sometimes, but not reliably. Some active managers have genuinely earned their fee over full cycles; many have not. Fees are certain, outperformance is not — so treat a high fee as something the fund has to justify.
No. This is general educational information to help you ask better questions. For advice about your own situation, talk to a licensed financial adviser.