Compare KiwiSaver Providers
Compare all 12+ KiwiSaver providers in New Zealand. View fees, returns, investment styles, and key features to find the right provider for your retirement savings.
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Use our comparison tool to see detailed fee and return data for any KiwiSaver provider.
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All KiwiSaver Providers
| Provider | Style | Live data |
|---|---|---|
| ANZ Investments | Full range | View FUM, fees + funds → |
| ASB | Full range | View FUM, fees + funds → |
| Booster | Diversified | View FUM, fees + funds → |
| BNZ | Bank funds | View FUM, fees + funds → |
| Fisher Funds | Active managed | View FUM, fees + funds → |
| Generate | ESG focused | View FUM, fees + funds → |
| Kernel | Index funds | View FUM, fees + funds → |
| Kiwi Wealth | Diversified | View FUM, fees + funds → |
| Milford | Active managed | View FUM, fees + funds → |
| Pie Funds | Active NZ | View FUM, fees + funds → |
| Simplicity | Non-profit index | View FUM, fees + funds → |
| Westpac | Bank funds | View FUM, fees + funds → |
Compare by Category
Providers with the Lowest Published Fees
Index fund providers with fees under 0.35%: Simplicity and Kernel offer the lowest total costs in NZ.
Compare low-fee providers →Higher-Returning Providers
Active managers like Milford and Fisher Funds have delivered strong historical returns across fund types.
Compare historical performance →Bank Providers
ANZ, ASB, BNZ, and Westpac offer KiwiSaver as part of their banking services with convenient integration.
Compare bank providers →ESG/Ethical Providers
Generate, Simplicity, and others offer funds that exclude harmful industries and focus on responsible investing.
Compare ethical providers →Frequently Asked Questions
How many KiwiSaver providers are there in New Zealand?
There are over 30 licensed KiwiSaver providers in New Zealand. The largest by funds under management are ANZ Investments, ASB, Westpac, and Kiwi Wealth. Other popular providers include Simplicity, Milford, Fisher Funds, Generate, Kernel, and Booster.
What should I compare when choosing a KiwiSaver provider?
Key factors to compare include: total fees (management + admin), historical 5-year returns by fund type, investment style (active vs passive/index), fund options available, customer service and online tools, and ethical/ESG investment options.
Is it free to switch KiwiSaver providers?
Yes, switching KiwiSaver providers is completely free. There are no exit fees, transfer fees, or penalties. The process takes 2-3 weeks and your new provider handles the paperwork.
Which KiwiSaver providers have the lowest published fees in NZ?
Per FMA Disclose, Simplicity (0.10-0.31% total fees) and Kernel (0.25-0.27% total fees) are among the lowest-published-fee KiwiSaver providers. Both offer passive index fund strategies. Low published fees compound over time.
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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.
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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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