High Income Assets KiwiSaver Funds
82 KiwiSaver scheme funds with 70%+ income assets (bonds & cash). Maximum stability and capital preservation for first home buyers, near-retirees, and conservative investors.
Why Choose High Income Asset Funds?
✓ Perfect For:
- • First home buyers - protect deposit within 1-3 years
- • Near-retirees - within 5 years of age 65
- • Conservative investors - low risk tolerance
- • Capital preservation - need money soon
- • Risk-averse - panic during market drops
⚡ Key Benefits:
- • Minimal volatility - very stable
- • Rare negative returns (usually 0-5%)
- • Protects capital for short-term goals
- • Peace of mind during market crashes
- • Suitable for short timeframes (1-5 years)
💡 Important: Long-Term Trade-off
While high income asset funds are stable and safe, they deliver lower returns (2-5% vs 7-10%) over long periods. If you have 10+ years until retirement, consider Balanced funds or Growth funds for better long-term wealth building. High income funds are designed for short-term stability, not long-term growth.
All High Income Asset Funds Ranked
| Rank | Fund Name | Provider | Income Assets | 5-Year Return | Fees | Risk |
|---|---|---|---|---|---|---|
| #1 | Superlife Conservative Fund | Smartshares | 70.5% | 4.02% | 0.67% | 4/7 |
| #2 | Conservative Portfolio | Maritime | 81.7% | 3.53% | 0.61% | 4/7 |
| #3 | Quaystreet Conservative Fund | Smartshares | 80.0% | 3.53% | 0.86% | 3/7 |
Other Asset Allocation Options
Data source: FMA KiwiSaver Quarterly Reports. Last updated: May 2026.
Disclaimer: While high income asset funds are lower risk, they are not risk-free. Past performance does not guarantee future results. This is not financial advice. Consult a licensed financial adviser.
