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⚡ Maximum Equity

100% Growth Assets KiwiSaver Scheme Funds

59 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
59
100% equity
Average Return
7.21%
5-year average
Average Fees
0.81%
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
#1Us Large Growth FundSmartshares99.7%17.61%0.67%6/7
#2US 500 FundSmartshares99.8%16.09%0.54%5/7
#3US Large Value FundSmartshares99.7%15.20%0.57%5/7
#4Us Equities FundKoura98.9%14.51%0.73%6/7
#5Overseas Shares FundSmartshares100.0%13.95%0.58%5/7
#6Sustainable International ShareANZ100.0%13.87%0.90%5/7
#7Goalsgetter Amova Global Shares FundNikko98.5%13.41%1.43%5/7
#8Total World FundSmartshares99.9%13.32%0.58%5/7
#9Australian Financials FundSmartshares99.5%13.16%0.59%6/7
#10Asia Pacific FundSmartshares100.0%12.80%0.59%4/7
#11AMP International Shares Fund No. 2AMP99.5%12.76%0.86%5/7
#12AMP International Shares FundAMP99.5%12.52%0.85%5/7
#13Australian Resources FundSmartshares99.8%12.08%0.59%6/7
#14Europe FundSmartshares100.0%11.34%0.59%5/7
#15Overseas Shares (Currency Hedged) FundSmartshares99.9%10.71%0.58%5/7
#16US Mid Cap FundSmartshares99.6%10.50%0.57%5/7
#17US Small Cap FundSmartshares99.6%10.14%0.57%6/7
#18International Share FundANZ100.0%9.77%0.96%5/7
#19Australian Top 20 FundSmartshares99.9%9.68%0.59%5/7
#20Kernel S&P Global Dividend Aristocrats FundKernel99.9%9.63%0.25%5/7
#21Total World (Nzd Hedged) FundSmartshares98.3%9.40%0.58%5/7
#22SBS Wealth High Growth FundSBS97.7%9.39%1.17%5/7
#23Geared Growth FundBooster97.8%9.37%1.50%5/7
#24Lifestages Auto Option Age 0 - 49SBS97.5%9.20%1.17%5/7
#25Australian Dividend FundSmartshares100.0%9.11%0.59%5/7
#26Life Cycle - Age 0-54NZ Funds95.9%9.07%1.87%6/7
#27Rest Of World Equities FundKoura99.0%9.06%0.73%5/7
#28Global Equities FundMAS96.7%8.85%0.99%5/7
#29S&P/Asx 200 FundSmartshares99.9%8.77%0.69%5/7
#30Sustainable Shares FundMercer99.1%8.69%0.95%5/7
#31Australian Mid Cap FundSmartshares99.8%8.59%0.59%6/7
#32Australian Shares FundSmartshares99.8%7.95%0.59%5/7
#33Superlife Age Steps - Age 20Smartshares95.4%7.89%0.63%5/7
#34Emerging Markets Equities FundKoura99.1%7.38%0.73%5/7
#35Emerging Markets FundSmartshares100.0%7.10%0.73%5/7
#36Milford Kiwisaver Aggressive FundMilford99.9%6.78%1.15%5/7
#37Superlife High Growth FundSmartshares99.4%6.67%0.73%5/7
#38Shares FundMercer97.8%6.52%0.96%5/7
#39Goalsgetter Amova Growth FundNikko95.0%5.73%1.51%5/7
#40Castle Point 5 Oceans FundSmartshares100.0%4.25%1.26%3/7
#41International Property FundANZ100.0%3.80%0.99%6/7
#42Australian Property FundSmartshares98.4%3.36%0.59%6/7
#43Nz Dividend FundSmartshares99.9%3.20%0.59%5/7
#44Goalsgetter Amova Sri Equity FundNikko98.1%2.40%1.23%5/7
#45New Zealand Equities FundKoura99.0%2.31%0.73%5/7
#46Australasian Share FundANZ100.0%1.67%0.99%5/7
#47Growth StrategyNZ Funds99.9%1.55%2.01%6/7
#48AMP Australasian Shares FundAMP99.5%1.33%0.83%5/7
#49Nz Top 10 FundSmartshares99.8%0.91%0.59%5/7
#50Nz Mid Cap FundSmartshares99.9%0.76%0.59%5/7
#51Global Property FundSmartshares99.2%0.66%0.58%6/7
#52Nz Shares FundSmartshares99.9%0.16%0.59%5/7
#53Nz Top 50 FundSmartshares99.9%0.14%0.59%5/7
#54Australasian Property FundANZ99.7%0.14%1.01%5/7
#55S&P/Nzx 50 FundSmartshares99.7%-0.22%0.69%5/7
#56Kernel Nz Small & Mid Cap Opportunities FundKernel100.0%-1.93%0.25%5/7
#57Inflation StrategyNZ Funds96.8%-2.27%1.52%5/7
#58Kernel Nz Commercial Property FundKernel100.0%-2.75%0.25%5/7
#59Nz 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 →

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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.

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