⚡ Maximum Equity
100% Growth Assets KiwiSaver Funds
100 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
100
100% equity
Average Return
4.98%
5-year average
Average Fees
0.83%
Annual fees
Avg Growth Assets
99.1%
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
| Rank | Fund Name | Provider | Growth Assets | 5-Year Return | Fees | Risk |
|---|---|---|---|---|---|---|
| #1 | Australian Financials Fund | Smartshares | 99.5% | 18.58% | 0.69% | 6/7 |
| #2 | Us Large Growth Fund | Smartshares | 99.7% | 17.61% | 0.67% | 6/7 |
| #3 | US 500 Fund | Smartshares | 99.8% | 16.78% | 0.64% | 5/7 |
| #4 |
Other Asset Allocation Options
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.
