FundRock KiwiSaver Scheme Review

Independent analysis of FundRock NZ Limited's KiwiSaver scheme based on FMA data, performance metrics, and fee structures. Last updated: May 2026.

Quick Summary

✅ Key Highlights

• Competitive fees: 0.52% average fees
• Good choice: 44 fund options available
• Highest 5-yr return: Aurora Balanced Strategy (5.80% over 5 years)
• Transparent fund performance
• Customizable investment plans

📊 At a Glance

• Average fees: 0.52% per year
• 5-year returns: 3.65%
• Fund options: 44 funds
• Total members: 34k+
• Assets under management: $0.6B

Fundrock delivers KiwiSaver and managed funds with transparent reporting and consistent performance.

Performance Analysis

Average 5-Year Return

3.65%

Across all funds

Average Fees

0.52%

Annual management fees

Total Assets

$0.6B

Under management

Total Members

34k+

KiwiSaver members

All Fundrock KiwiSaver Scheme Funds

Fund Name	Type	5-Year Return	Fees	Risk	Members
Aurora Balanced Strategy	Balanced	5.80%	0.38%	4/7	688
InvestNow Foundation Series Balanced Fund	Balanced	4.77%	0.36%	4/7	561
InvestNow Macquarie NZ Cash Fund	Defensive	2.58%	0.34%	2/7	384
InvestNow Mint Diversified Income Fund	Conservative	1.45%	1.01%	4/7	536
InvestNow Harbour Australasian Equity Focus Fund	Aggressive	N/A	1.20%	5/7	89
InvestNow Mercer Ethical Leaders Hedged Global Fixed Interest Index Fund	Defensive	N/A	0.44%	4/7	91
InvestNow Milford Conservative Fund	Conservative	N/A	0.93%	3/7	194
Aurora Retirementplus Age 50	Growth	N/A	1.62%	4/7	151
InvestNow Clarity Global Shares Fund	Aggressive	N/A	1.07%	5/7	255
InvestNow Mint Australasian Equity Fund	Aggressive	N/A	1.19%	5/7	90
InvestNow Foundation Series Growth Fund	Growth	N/A	0.38%	4/7	448
InvestNow Te Ahumairangi Global Equity Fund	Aggressive	N/A	0.62%	4/7	436
InvestNow Russell Investments Hedged Global Shares Fund	Aggressive	N/A	0.86%	5/7	210
InvestNow Macquarie Global Listed Real Estate Fund	Aggressive	N/A	1.35%	6/7	58
InvestNow Mercer NZ Shares Passive Fund	Aggressive	N/A	0.36%	5/7	329
InvestNow Foundation Series Hedged Total World Fund	Aggressive	N/A	0.07%	5/7	672
InvestNow Castle Point 5 Oceans Fund	Balanced	N/A	1.18%	3/7	40
InvestNow Harbour Active Growth Fund	Growth	N/A	1.03%	4/7	112
InvestNow Milford Active Growth Fund	Growth	N/A	1.05%	4/7	2,148
InvestNow Antipodes Global Value Fund	Aggressive	N/A	1.21%	4/7	411
InvestNow Pathfinder Ethical Growth Fund	Growth	N/A	1.34%	4/7	407
InvestNow Harbour T. Rowe Price Global Equity Fund	Aggressive	N/A	1.19%	5/7	579
InvestNow Mint Diversified Growth Fund	Growth	N/A	1.20%	5/7	453
InvestNow Fisher Funds Growth Fund	Growth	N/A	1.02%	4/7	966
InvestNow Salt Enhanced Property Fund	Aggressive	N/A	1.02%	5/7	162
InvestNow Harbour NZ Core Fixed Interest Fund	Defensive	N/A	0.65%	3/7	68
InvestNow Salt Sustainable Growth Fund	Growth	N/A	1.10%	4/7	477
InvestNow Smartshares Growth Fund	Growth	N/A	0.51%	4/7	618
Aurora Liquidity Fund	Defensive	N/A	0.50%	2/7	3,678
InvestNow Mercer Ethical Leaders Balanced Fund	Balanced	N/A	1.27%	4/7	67
InvestNow Generate Focused Growth Fund	Aggressive	N/A	1.39%	5/7	633
InvestNow Fisher Funds Conservative Fund	Conservative	N/A	0.93%	3/7	82
InvestNow Hunter Global Fixed Interest Fund	Defensive	N/A	0.53%	4/7	426
InvestNow Macquarie NZ Fixed Interest Fund	Defensive	N/A	0.61%	3/7	55
InvestNow Milford Balanced Fund	Balanced	N/A	1.06%	4/7	678
InvestNow Foundation Series Hedged US 500 Fund	Aggressive	N/A	0.03%	6/7	449
InvestNow Foundation Series US 500 Fund	Aggressive	N/A	0.03%	5/7	91
InvestNow Milford Aggressive Fund	Aggressive	N/A	1.15%	5/7	459
InvestNow Castle Point Trans-Tasman Fund	Aggressive	N/A	1.08%	5/7	41
InvestNow Mercer All Country Global Shares Index Fund	Aggressive	N/A	0.43%	5/7	1,277
Aurora Retirementplus Age 65	Balanced	N/A	1.49%	4/7	41
InvestNow Foundation Series Total World Fund	Aggressive	N/A	0.07%	5/7	3,126
Aurora Growth Fund	Growth	N/A	1.04%	5/7	11,157
InvestNow Russell Investments NZ Fixed Interest Fund	Defensive	N/A	0.49%	3/7	182

Considerations for FundRock

What the data shows

•Average fees below the market average
•A choice between multiple fund types

Points some investors compare

•Historical returns at other providers (for example Milford, Fisher Funds)
•Ethical and responsible-investment options
•Fund risk levels for a planned first-home withdrawal

A licensed financial adviser can help with a personal assessment.

Compare Alternatives

Other providers with comparable data:

AE KiwiSaver Limited

Always Ethical provides ethical KiwiSaver and investment funds that focus on responsible investing.

1 funds • Avg fee: 4.26%

AMP Wealth Management New Zealand Limited

AMP offers KiwiSaver and investment solutions with a strong track record and flexible options.

30 funds • Avg fee: 1.00%

ANZ New Zealand Investments Limited

ANZ provides a wide range of KiwiSaver and investment funds tailored for diverse financial goals.

21 funds • Avg fee: 0.77%

Arotahi Trust Limited

Arotahi delivers KiwiSaver and investment solutions with a focus on secure and sustainable growth.

1 funds • Avg fee: 0.76%

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Disclaimer: This analysis is based on publicly available data from the FMA and provider disclosures as of October 2025. Past performance does not guarantee future results. This is not financial advice. Please consult a licensed financial adviser before making investment decisions.

Data sources: FMA KiwiSaver Quarterly Reports, FundRock NZ Limited Product Disclosure Statements, provider websites.