⚖️ Balanced Performers
Funds within KiwiSaver schemes with 5-8% annual returns
70 funds within KiwiSaver schemes averaging 5-8% returns. Balanced performance with moderate risk — typical for 10-20 year timeframes.
Total Funds
70
Average Return
6.40%
Average Fees
0.99%
Why Choose 5-8% Return Funds?
✓ Suited to:
- • Investors 10-20 years from retirement
- • Ages 45-60 typically
- • Moderate risk tolerance
- • Want growth with protection
⚡ Key Benefits:
- • Balanced risk/reward ratio
- • Less volatile than growth funds
- • Better returns than conservative
- • Proven long-term track records
All funds with 5-8% returns
| Rank | Fund Name | Provider | Type | 5-Year Return | Fees | Risk |
|---|---|---|---|---|---|---|
| #1 | Stepping Stones 36-45 | Generate | Growth | 7.96% | 1.39% | 4/7 |
| #2 | Stepping Stones Growth 51-55 | Generate | Growth | 7.96% | 1.39% | 4/7 |
| #3 | Australian Shares Fund | Smartshares | Aggressive | 7.95% | 0.59% | 5/7 |
| #4 | Aggressive Fund | MAS | Aggressive | 7.90% | 0.98% | 5/7 |
| #5 | Superlife Age Steps - Age 20 | Smartshares | Aggressive | 7.89% | 0.63% | 5/7 |
| #6 | Quaystreet Socially Responsible Investment Fund | Smartshares | Balanced | 7.76% | 1.12% | 4/7 |
| #7 | Quaystreet Balanced Fund | Smartshares | Balanced | 7.71% | 1.12% | 4/7 |
| #8 | Summer Australian Equities | Summer | Aggressive | 7.63% | 0.90% | 5/7 |
| #9 | Aggressive Fund | SuperEasy | Growth | 7.51% | 0.32% | 4/7 |
| #10 | Growth Fund | ASB | Growth | 7.50% | 0.70% | 4/7 |
| #11 | Summer Global Equities | Summer | Aggressive | 7.47% | 0.89% | 5/7 |
| #12 | AE Kiwisaver Plan | Always Ethical | Balanced | 7.42% | 4.26% | 7/7 |
| #13 | Lifestages Auto Option Age 50 - 54 | SBS | Growth | 7.38% | 1.11% | 5/7 |
| #14 | Emerging Markets Equities Fund | Koura | Aggressive | 7.38% | 0.73% | 5/7 |
| #15 | Growth Fund | Simplicity | Growth | 7.23% | 0.24% | 4/7 |
| #16 | Quaystreet Altum Fund | Smartshares | Balanced | 7.12% | 1.37% | 4/7 |
| #17 | Emerging Markets Fund | Smartshares | Aggressive | 7.10% | 0.73% | 5/7 |
| #18 | Growth Fund | MAS | Growth | 7.10% | 0.98% | 4/7 |
| #19 | Sustainable Growth Fund | Mercer | Growth | 7.04% | 0.84% | 4/7 |
| #20 | Shielded Growth Fund | Booster | Aggressive | 7.00% | 1.41% | 4/7 |
| #21 | Superlife Growth Fund | AMP | Growth | 7.00% | 1.17% | 4/7 |
| #22 | Global Select Growth Fund | AMP | Growth | 6.85% | 1.27% | 4/7 |
| #23 | BNZ Kiwisaver Growth Fund | BNZ | Growth | 6.81% | 0.45% | 4/7 |
| #24 | Milford Kiwisaver Aggressive Fund | Milford | Aggressive | 6.78% | 1.15% | 5/7 |
| #25 | Growth Fund | Generate | Growth | 6.74% | 1.25% | 4/7 |
| #26 | AMP Aggressive Fund (Lifesteps) | AMP | Aggressive | 6.70% | 0.85% | 4/7 |
| #27 | AMP Aggressive Fund | AMP | Aggressive | 6.70% | 0.85% | 4/7 |
| #28 | Superlife Age Steps - Age 30 | Smartshares | Growth | 6.67% | 0.62% | 4/7 |
| #29 | Superlife High Growth Fund | Smartshares | Aggressive | 6.67% | 0.73% | 5/7 |
| #30 | Superlife Age Steps - Age 40 | Smartshares | Growth | 6.67% | 0.62% | 4/7 |
| #31 | Milford Kiwisaver Active Growth Fund | Milford | Growth | 6.60% | 1.05% | 4/7 |
| #32 | Growth Fund | ANZ | Growth | 6.58% | 0.96% | 5/7 |
| #33 | Growth Fund | ANZ | Growth | 6.58% | 0.96% | 5/7 |
| #34 | Growth Fund | Westpac | Growth | 6.56% | 0.55% | 4/7 |
| #35 | Shares Fund | Mercer | Aggressive | 6.52% | 0.96% | 5/7 |
| #36 | Balanced Fund | Smartshares | Growth | 6.45% | 0.60% | 4/7 |
| #37 | Growth Fund | Booster | Growth | 6.42% | 1.35% | 4/7 |
| #38 | Asset Class Growth Fund | Booster | Aggressive | 6.35% | 1.37% | 5/7 |
| #39 | AMP Balanced Fund No. 2 | AMP | Balanced | 6.20% | 0.85% | 4/7 |
| #40 | Balanced Portfolio | Maritime | Balanced | 6.20% | 0.70% | 4/7 |
| #41 | High Growth Fund | Mercer | Aggressive | 6.15% | 0.86% | 5/7 |
| #42 | Stepping Stones Growth 56-60 | Generate | Balanced | 6.15% | 1.36% | 4/7 |
| #43 | Stepping Stones 46-55 | Generate | Balanced | 6.15% | 1.36% | 4/7 |
| #44 | Balanced Fund | Anglican | Balanced | 6.06% | 1.35% | 4/7 |
| #45 | AMP Growth Fund (Lifesteps) | AMP | Growth | 5.90% | 0.85% | 4/7 |
| #46 | Life Cycle - Age 65 | NZ Funds | Growth | 5.89% | 1.60% | 5/7 |
| #47 | Balanced Fund | NZ Funds | Balanced | 5.78% | 0.00% | 4/7 |
| #48 | Goalsgetter Amova Growth Fund | Nikko | Growth | 5.73% | 1.51% | 5/7 |
| #49 | High Growth Fund | Booster | Aggressive | 5.71% | 1.30% | 4/7 |
| #50 | Balanced Fund | ASB | Growth | 5.71% | 0.65% | 4/7 |
| #51 | Global Select Balanced Growth Fund | AMP | Growth | 5.65% | 1.18% | 4/7 |
| #52 | Pathfinder Kiwisaver Growth Fund | Pathfinder | Growth | 5.56% | 1.37% | 4/7 |
| #53 | Lifestages Auto Option Age 55 - 59 | SBS | Balanced | 5.53% | 1.05% | 4/7 |
| #54 | Superlife Growth Fund | Smartshares | Growth | 5.50% | 0.71% | 4/7 |
| #55 | Stepping Stones 56-60 | Generate | Balanced | 5.49% | 1.30% | 4/7 |
| #56 | Balanced Fund | MAS | Balanced | 5.48% | 0.99% | 4/7 |
| #57 | Balanced Growth Fund | ANZ | Growth | 5.37% | 0.92% | 4/7 |
| #58 | Balanced Growth Fund | ANZ | Growth | 5.37% | 0.92% | 4/7 |
| #59 | BNZ Kiwisaver Balanced Fund | BNZ | Balanced | 5.35% | 0.45% | 4/7 |
| #60 | Sustainable Balanced Fund | Mercer | Balanced | 5.35% | 0.75% | 4/7 |
| #61 | Life Cycle - Age 75 | NZ Funds | Growth | 5.28% | 1.55% | 5/7 |
| #62 | Balanced Fund | Simplicity | Balanced | 5.28% | 0.24% | 4/7 |
| #63 | Superlife Balanced Fund | AMP | Balanced | 5.27% | 1.12% | 4/7 |
| #64 | Socially Responsible Balanced Fund | Booster | Balanced | 5.25% | 1.33% | 4/7 |
| #65 | Balanced Fund | Westpac | Balanced | 5.19% | 0.50% | 4/7 |
| #66 | Ethica Fund | Smartshares | Balanced | 5.16% | 0.70% | 4/7 |
| #67 | Growth Fund | Mercer | Growth | 5.14% | 0.79% | 4/7 |
| #68 | Superlife Age Steps - Age 50 | Smartshares | Growth | 5.12% | 0.71% | 4/7 |
| #69 | Automatic Fund (Age 60) | SuperEasy | Balanced | 5.08% | 0.51% | 4/7 |
| #70 | Milford Kiwisaver Balanced Fund | Milford | Balanced | 5.04% | 1.05% | 4/7 |
