Skip to main content
FundCompare
⚡ Maximum Equity

100% Growth Assets KiwiSaver Scheme Funds

60 KiwiSaver scheme funds with 100% in shares and property (zero bonds/cash). Maximum long-term returns for aggressive investors with 30+ year timeframes.

⚠️Extreme Risk Warning

100% growth asset funds are the HIGHEST RISK KiwiSaver option

  • • Can lose 20-40% in market crashes
  • • Extreme volatility year-to-year
  • • ONLY for 30+ year timeframes - not suitable for anyone over 35
  • • Zero defensive assets - no cushion during downturns
  • • Not suitable for first home buyers, near-retirees, or moderate risk tolerance

Most advisers recommend 80-90% growth instead for better risk-adjusted returns

Total Funds
60
100% equity
Average Return
7.44%
5-year average
Average Fees
0.82%
Annual fees
Avg Growth Assets
99.2%
In equities

Who Should Choose 100% Growth Assets?

✓ ONLY Suitable For:

  • • Ages 18-30 (30+ years to retirement)
  • • Very high risk tolerance
  • • Won't panic during 30% market crashes
  • • Don't check balance during downturns
  • • Understand volatility = opportunity
  • • Have emergency fund outside KiwiSaver

✗ NOT Suitable For:

  • • Anyone over 35 years old
  • • Within 20 years of retirement
  • • First home buyers (any timeline)
  • • Moderate or low risk tolerance
  • • Those who panic during market drops
  • • Need money within 15 years

All 100% Growth Asset Funds Ranked

RankFund NameProviderGrowth Assets5-Year ReturnFeesRisk
#1Milford Aggressive FundAMP99.9%21.37%1.57%5/7
#2Us Large Growth FundSmartshares99.7%17.61%0.67%6/7
#3US 500 FundSmartshares99.8%16.09%0.54%5/7
#4US Large Value FundSmartshares99.7%15.20%0.57%5/7
#5Us Equities FundKoura98.9%14.51%0.73%6/7
#6Overseas Shares FundSmartshares100.0%13.95%0.58%5/7
#7Sustainable International ShareANZ100.0%13.87%0.90%5/7
#8Goalsgetter Amova Global Shares FundNikko98.5%13.41%1.43%5/7
#9Total World FundSmartshares99.9%13.32%0.58%5/7
#10Australian Financials FundSmartshares99.5%13.16%0.59%6/7
#11Asia Pacific FundSmartshares100.0%12.80%0.59%4/7
#12AMP International Shares Fund No. 2AMP99.5%12.76%0.86%5/7
#13AMP International Shares FundAMP99.5%12.52%0.85%5/7
#14Australian Resources FundSmartshares99.8%12.08%0.59%6/7
#15Europe FundSmartshares100.0%11.34%0.59%5/7
#16Overseas Shares (Currency Hedged) FundSmartshares99.9%10.71%0.58%5/7
#17US Mid Cap FundSmartshares99.6%10.50%0.57%5/7
#18US Small Cap FundSmartshares99.6%10.14%0.57%6/7
#19International Share FundANZ100.0%9.77%0.96%5/7
#20Australian Top 20 FundSmartshares99.9%9.68%0.59%5/7
#21Kernel S&P Global Dividend Aristocrats FundKernel99.9%9.63%0.25%5/7
#22Total World (Nzd Hedged) FundSmartshares98.3%9.40%0.58%5/7
#23SBS Wealth High Growth FundSBS97.7%9.39%1.17%5/7
#24Geared Growth FundBooster97.8%9.37%1.50%5/7
#25Lifestages Auto Option Age 0 - 49SBS97.5%9.20%1.17%5/7
#26Australian Dividend FundSmartshares100.0%9.11%0.59%5/7
#27Life Cycle - Age 0-54NZ Funds95.9%9.07%1.87%6/7
#28Rest Of World Equities FundKoura99.0%9.06%0.73%5/7
#29Global Equities FundMAS96.7%8.85%0.99%5/7
#30S&P/Asx 200 FundSmartshares99.9%8.77%0.69%5/7
#31Sustainable Shares FundMercer99.1%8.69%0.95%5/7
#32Australian Mid Cap FundSmartshares99.8%8.59%0.59%6/7
#33Australian Shares FundSmartshares99.8%7.95%0.59%5/7
#34Superlife Age Steps - Age 20Smartshares95.4%7.89%0.63%5/7
#35Emerging Markets Equities FundKoura99.1%7.38%0.73%5/7
#36Emerging Markets FundSmartshares100.0%7.10%0.73%5/7
#37Milford Kiwisaver Aggressive FundMilford99.9%6.78%1.15%5/7
#38Superlife High Growth FundSmartshares99.4%6.67%0.73%5/7
#39Shares FundMercer97.8%6.52%0.96%5/7
#40Goalsgetter Amova Growth FundNikko95.0%5.73%1.51%5/7
#41Castle Point 5 Oceans FundSmartshares100.0%4.25%1.26%3/7
#42International Property FundANZ100.0%3.80%0.99%6/7
#43Australian Property FundSmartshares98.4%3.36%0.59%6/7
#44Nz Dividend FundSmartshares99.9%3.20%0.59%5/7
#45Goalsgetter Amova Sri Equity FundNikko98.1%2.40%1.23%5/7
#46New Zealand Equities FundKoura99.0%2.31%0.73%5/7
#47Australasian Share FundANZ100.0%1.67%0.99%5/7
#48Growth StrategyNZ Funds99.9%1.55%2.01%6/7
#49AMP Australasian Shares FundAMP99.5%1.33%0.83%5/7
#50Nz Top 10 FundSmartshares99.8%0.91%0.59%5/7
#51Nz Mid Cap FundSmartshares99.9%0.76%0.59%5/7
#52Global Property FundSmartshares99.2%0.66%0.58%6/7
#53Nz Shares FundSmartshares99.9%0.16%0.59%5/7
#54Nz Top 50 FundSmartshares99.9%0.14%0.59%5/7
#55Australasian Property FundANZ99.7%0.14%1.01%5/7
#56S&P/Nzx 50 FundSmartshares99.7%-0.22%0.69%5/7
#57Kernel Nz Small & Mid Cap Opportunities FundKernel100.0%-1.93%0.25%5/7
#58Inflation StrategyNZ Funds96.8%-2.27%1.52%5/7
#59Kernel Nz Commercial Property FundKernel100.0%-2.75%0.25%5/7
#60Nz Property FundSmartshares100.0%-2.82%0.59%5/7

Other Asset Allocation Options

Aggressive Funds

90-100% growth assets - slightly less extreme

View Funds →

High Income Assets

70%+ bonds/cash - defensive positioning

View Funds →

Compare All Fund Types

Filter by asset allocation, risk level, returns, and fees

Compare All Funds

Data source: FMA KiwiSaver Quarterly Reports. Last updated: May 2026.

Disclaimer: 100% growth asset funds carry extreme risk and volatility. Past performance does not guarantee future results. This is not financial advice. Consult a licensed financial adviser before making investment decisions.

FinanceAdvisers.co.nz
Need personalised advice?
Find a licensed financial adviser on FinanceAdvisers.co.nz
Browse NZ-registered financial advice providers and search by speciality, location and fees.
FundCompare

Compare every fund on the FMA Disclose register. Refreshed quarterly. Independent — FundCompare is not a Financial Advice Provider; general information only.

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.

KiwiSaver

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.

© 2026 FundCompare.co.nz. All rights reserved.