Compare KiwiSaver Funds
Select up to 4 funds to compare side-by-side
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Click "Add Fund" above to start comparing KiwiSaver scheme funds side-by-side
How to Compare KiwiSaver Funds Effectively
1. Compare Returns
Look at 5-year average returns to see how funds have performed over time. Higher returns can significantly impact your retirement savings, but remember past performance doesn't guarantee future results.
2. Compare Fees
Annual fees reduce net-fee returns. Illustrative — sustained sub-1-percentage-point fee gaps compound across multi-decade horizons. Lower TAFC means more of your contributions remain invested.
3. Match Your Risk Profile
Choose funds that match your risk tolerance and time horizon. Conservative funds are lower risk but lower return, while aggressive funds have higher potential returns but more volatility.
4. Consider Fund Size
Larger funds may offer better diversification and lower costs due to economies of scale. However, smaller boutique funds can also perform well with specialized strategies.
Frequently Asked Questions
How many KiwiSaver scheme funds should I compare?
We recommend comparing at least 3-4 funds to get a good sense of what's available. Our tool lets you compare up to 4 funds side-by-side, which is enough to see key differences in fees, returns, and risk levels without becoming overwhelming.
What's the most important factor when comparing funds?
There's no single most important factor - it depends on your situation. For young investors with 30+ years until retirement, returns and growth potential matter most. For those nearing retirement, fees and risk levels become more important. Use our category filters above to find funds that match your priorities.
Should I compare funds within the same risk category?
Yes, it's most useful to compare funds with similar risk profiles. Comparing a conservative fund to an aggressive fund won't give you meaningful insights since they have different objectives. Use our category buttons above to browse funds by type.
How often should I compare my KiwiSaver scheme fund?
Review your KiwiSaver account at least once a year. Market conditions change, new funds launch, and your personal circumstances evolve. An annual comparison ensures you're still in a fund that fits your situation. Set a reminder each year around tax time.
Can I switch funds after comparing?
Absolutely! Switching KiwiSaver scheme funds is completely free and takes 2-3 weeks. After comparing funds here, you can apply directly with your chosen provider and they'll handle the transfer. There are no fees, penalties, or lock-in periods.
What if the funds I want to compare aren't in the category lists?
Use the search function! Click "Add Fund" and search by fund name or provider. Our database includes 470+ KiwiSaver scheme funds, so you can find and compare any registered KiwiSaver scheme fund in New Zealand.
Understanding the Comparison Metrics
5-Year Average Return
The average annual return over the past 5 years. This smooths out short-term volatility and gives you a better picture of long-term performance. Remember, past performance doesn't guarantee future results.
Annual Fee
The percentage of your balance charged each year by the fund manager. This includes management fees and other ongoing costs. A $50,000 balance with a 1% fee pays $500 per year in fees.
Risk Indicator
A number from 1-7 showing the fund's risk level. 1 is lowest risk (but lower returns), 7 is highest risk (but higher potential returns). This is based on the fund's volatility and asset allocation.
Asset Mix
The split between growth assets (shares, property) and income assets (bonds, cash). Growth assets are more volatile but offer higher long-term returns. Income assets are more stable but lower returns.
Fund Size
The total value of assets under management. Larger funds may benefit from economies of scale and better diversification. However, size alone doesn't guarantee better performance.
Popular comparisons
Side-by-side data for the most-searched KiwiSaver provider matchups.
Want personalised KiwiSaver guidance?
Use our 60-second quiz to share your situation — we'll connect you with a licensed Financial Advice Provider from our partner network. Free, no obligation.
Or find a licensed adviser directly at fma.govt.nz
Important Information
Disclaimer: This page provides general information only and does not constitute financial advice under the Financial Markets Conduct Act 2013. FundCompare.co.nz is not a licensed Financial Advice Provider (FAP).
We do not assess suitability, make recommendations, or provide personalised advice. The information shown is sourced from publicly available data and may not reflect current offerings. Past performance is not a reliable indicator of future returns. Investment returns can be negative, and you may receive back less than you invested.
Before making any decisions: Always verify current information directly with the relevant KiwiSaver provider and read their Product Disclosure Statement (PDS).
Need personalised advice? Consult a licensed Financial Advice Provider. Find advisers at fma.govt.nz
FundCompare
Compare every fund within a KiwiSaver scheme on the FMA Disclose register. Refreshed quarterly. Independent — FundCompare is not a Financial Advice Provider; general information only.