Compare KiwiSaver Scheme Funds
Compare over 200 KiwiSaver scheme funds from all NZ providers. Filter by fund type, fees, returns, and risk level to find the right fund for your retirement goals.
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Select any funds to compare fees, returns, risk indicators, and historical performance.
Open Comparison ToolBrowse by Fund Type
Growth Funds
High growth potential with 70-90% growth assets
Balanced Funds
Mix of growth and defensive assets (50-70%)
Conservative Funds
Lower risk with 20-40% growth assets
Aggressive Funds
Maximum growth with 90%+ growth assets
Defensive Funds
Capital preservation with 0-20% growth assets
Default Funds
Funds for auto-enrolled members
Popular Fund Comparisons
Browse Funds by Category
FundCompare publishes a live page for every fund category. Each category page lists every fund within the category, sourced from FMA Disclose and refreshed automatically when providers publish revised PDS / fund updates. Past performance is not a reliable indicator of future returns.
Frequently Asked Questions
How many KiwiSaver scheme funds are there in New Zealand?
There are over 200 KiwiSaver scheme funds in New Zealand across 30+ providers. These are categorised into Defensive, Conservative, Balanced, Growth, and Aggressive fund types.
What is the difference between Growth and Balanced funds?
Growth funds have 70-90% in growth assets with higher potential returns but more volatility. Balanced funds have 50-70% growth assets, offering moderate returns with less volatility.
Which KiwiSaver scheme fund has the lowest fees?
Passive index-fund providers typically offer the lowest Total Annual Fund Charge in NZ KiwiSaver. View the live ranked list at funds with TAFC under 0.5%, sourced from FMA Disclose.
Should I choose the fund with the strongest historical returns?
Not necessarily. Compare funds of the same type, consider fees, and match risk level to your timeframe. Past returns do not guarantee future performance.
Can I switch between KiwiSaver scheme funds?
Yes. Switching within your provider is usually instant and free. Switching providers takes 2-3 weeks and is also free with no penalties.
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Use our free comparison tool to compare any KiwiSaver scheme funds side-by-side.
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.
Prefer to browse yourself? Find a licensed financial adviser in the FinanceAdvisers.co.nz directory, or check the full register 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
Compare every fund on the FMA Disclose register. Refreshed quarterly. Independent — FundCompare is not a Financial Advice Provider; general information only.
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Important Information and Disclosure
The information provided on this website is not a recommendation to buy, sell, or hold any financial products. Nothing on this website constitutes financial advice for the purposes of the Financial Markets Conduct Act 2013. FundCompare.co.nz is not a licensed Financial Advice Provider.
Investing involves risk. The value of your investment can go down as well as up, and you may get back less than you put in. Past performance is not a reliable indicator of future returns.
Before making any investment decision, you should read the Product Disclosure Statement (PDS) for the fund carefully. If you have questions or are unclear about the implications of your investment decision, you should seek advice from a licensed Financial Advice Provider.
All information displayed is sourced from scheme providers, the Disclose Register, and the Sorted Smart Investor universal feed (operated by Te Ara Ahunga Ora Retirement Commission), or other publicly available sources. We take reasonable steps to ensure accuracy but cannot guarantee information is always current or complete.
FundCompare.co.nz may receive referral fees or commissions from scheme providers if you sign up via links on this website. These payments do not influence the order, ranking, or inclusion of products displayed.
For more information, please see our Terms of Service, Privacy Policy, and Disclosure Statement.
This website is operated by FundCompare.co.nz and is not endorsed by, or affiliated with, the New Zealand government or Inland Revenue. FundCompare.co.nz is using the KiwiSaver trade mark and logo under licence from Inland Revenue. To view the official New Zealand government KiwiSaver website, please click here.
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