Growth KiwiSaver scheme funds by provider

In our FMA-Disclose-sourced dataset, 31 KiwiSaver schemes offer at least one Growth fund — totalling 68 Growth fund options across all providers. Some larger schemes (Booster, SuperLife, Fisher Funds) offer multiple Growth fund variants.

Growth funds invest about 63–89% in growth assets (shares and property) and 11–37% in defensive assets (bonds and cash). Higher long-term expected returns, larger short-term drawdowns. The standard FMA risk indicator is 4–5/7. Typically considered by investors with a 15+ years time horizon.

Across the Growth funds in our snapshot the average 5-year annualised return is around 6.7%, with an average annual fund charge of 1.02%. Past performance is not a reliable indicator of future returns. Each provider's exact figures sit in the table above.

Some investors consider time horizon, tolerance for short-term falls in value, contribution pattern, and whether a first-home withdrawal may be needed within the next 3–5 years. The standard FMA risk indicator for Growth funds is 4–5/7. FundCompare does not make personal recommendations — a licensed financial adviser can give advice specific to an individual's situation.

If you want to switch funds within your current KiwiSaver scheme, log into your provider's portal — within-provider switches are usually instant and free. If you want to transfer to a different provider, complete a transfer form with the new provider — transfers between schemes take 10–15 business days. There's no penalty or tax consequence for either.