General Information Only
This page provides general information about KiwiSaver. It does not constitute financial advice or a recommendation. Individual circumstances vary significantly.
KiwiSaver Information for People in Their Your 40s
General information about KiwiSaver considerations for people in their 40s. Individual circumstances, goals, and risk tolerance vary significantly.
Typical Years to Retirement
20-25 years
Based on standard retirement age of 65
Risk Level Range Shown
4, 5, 6/7
A 20-25 year timeframe is generally considered medium to long-term
Fund Types in Range
For information only
General Information
People in their 40s typically have 20-25 years until standard retirement age.
Sample Funds in Risk Level 4-5-6
Examples of funds with risk indicators 4, 5, 6/7. Listed alphabetically by provider. This is not a recommendation.
AMP Aggressive Fund (Lifesteps)
AMP
Global Select Balanced Growth Fund
AMP
AMP Australasian Shares Fund
AMP
AMP International Shares Fund No. 2
AMP
Milford Balanced Fund
AMP
AMP Moderate Fund (Lifesteps)
AMP
Superlife Moderate Fund
AMP
Mercer Balanced Fund
AMP
Milford Aggressive Fund
AMP
AMP Growth Fund
AMP
About “N/A” in return figures: it means no figure is held, not a return of zero. Of the 10 funds listed, 9 have a 5-year average return. Figures are drawn from fund disclosures on the FMA Disclose register, chiefly quarterly fund updates. Each fund shows the most recent figure held; the latest quarter broadly covered across all funds is March 2026. A fund too new to report a period has no figure for it; other gaps are figures not yet captured from the updates ingested so far.
Official Resources
For information about KiwiSaver, including your rights and options, you may wish to consult these official resources:
- •Sorted.org.nz - Government-funded financial capability website with KiwiSaver information
- •FMA.govt.nz - Financial Markets Authority, the regulator of KiwiSaver schemes
- •IRD.govt.nz - Inland Revenue, which administers KiwiSaver enrolment and contributions
Need Personalised Guidance?
This website provides general information only. If you need advice tailored to your personal circumstances, goals, and financial situation, please consult a licensed Financial Advice Provider (FAP).
You can find licensed advisers through the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz
Disclaimer: This guide provides general information only and does not constitute financial advice under the Financial Markets Conduct Act 2013. Your personal circumstances, goals, and risk tolerance are unique. Consider consulting a licensed Financial Advice Provider before making KiwiSaver decisions. Fund performance data is historical and does not guarantee future results.
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The information provided on this website is not a recommendation to buy, sell, or hold any financial products. Nothing on this website constitutes financial advice for the purposes of the Financial Markets Conduct Act 2013. FundCompare.co.nz is not a licensed Financial Advice Provider.
Investing involves risk. The value of your investment can go down as well as up, and you may get back less than you put in. Past performance is not a reliable indicator of future returns.
Before making any investment decision, you should read the Product Disclosure Statement (PDS) for the fund carefully. If you have questions or are unclear about the implications of your investment decision, you should seek advice from a licensed Financial Advice Provider.
All information displayed is sourced from scheme providers, the Disclose Register, and the Sorted Smart Investor universal feed (operated by Te Ara Ahunga Ora Retirement Commission), or other publicly available sources. We take reasonable steps to ensure accuracy but cannot guarantee information is always current or complete.
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