Nikko KiwiSaver Scheme Review

Independent analysis of Nikko Asset Management New Zealand Limited's KiwiSaver scheme based on FMA data, performance metrics, and fee structures. Last updated: May 2026.

Quick Summary

✅ Key Highlights

• Good choice: 18 fund options available
• Highest 5-yr return: GoalsGetter Amova Global Shares Fund (13.41% over 5 years)
• Range of KiwiSaver & investment options
• Long-term returns focus

📊 At a Glance

• Average fees: 1.09% per year
• 5-year returns: 4.63%
• Fund options: 18 funds
• Total members: 3k+
• Assets under management: $0.1B

Nikko provides KiwiSaver and investment options with a focus on long-term returns and security.

Performance Analysis

Average 5-Year Return

4.63%

Across all funds

Average Fees

1.09%

Annual management fees

Total Assets

$0.1B

Under management

Total Members

3k+

KiwiSaver members

All Nikko KiwiSaver Scheme Funds

Fund Name	Type	5-Year Return	Fees	Risk	Members
GoalsGetter Amova Global Shares Fund	Aggressive	13.41%	1.43%	5/7	280
GoalsGetter Amova Growth Fund	Growth	5.73%	1.51%	5/7	346
GoalsGetter Amova Balanced Fund	Growth	4.47%	1.22%	4/7	147
GoalsGetter Amova NZ Cash Fund	Defensive	2.73%	0.40%	2/7	75
GoalsGetter Amova Conservative Fund	Conservative	2.52%	1.05%	3/7	63
GoalsGetter Amova SRI Equity Fund	Aggressive	2.40%	1.23%	5/7	67
GoalsGetter Amova NZ Corporate Bond Fund	Defensive	1.16%	0.80%	3/7	29
GoalsGetter Amova ARK Disruptive Innovation Fund	Aggressive	N/A	1.53%	7/7	822
GoalsGetter Harbour Active Growth Fund	Growth	N/A	1.33%	4/7	18
GoalsGetter Milford Conservative Fund	Conservative	N/A	1.05%	3/7	33
GoalsGetter Harbour Sustainable Impact Fund	Balanced	N/A	1.61%	4/7	5
GoalsGetter Salt Sustainable Growth Fund	Growth	N/A	1.38%	4/7	51
GoalsGetter Generate Thematic Fund	Aggressive	N/A	1.59%	5/7	64
GoalsGetter Milford Active Growth Fund	Growth	N/A	1.35%	4/7	353
GoalsGetter Generate Balanced Fund	Balanced	N/A	1.65%	4/7	52
GoalsGetter Generate Focused Growth Fund	Aggressive	N/A	1.71%	5/7	292
GoalsGetter Pathfinder Ethical Growth Fund	Growth	N/A	1.61%	4/7	56
GoalsGetter Milford Balanced Fund	Balanced	N/A	1.49%	4/7	73

Considerations for Nikko

What the data shows

•Average fees at or above the market average
•A choice between multiple fund types

Points some investors compare

•Fees at lower-fee providers (for example Simplicity, Kernel)
•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, Nikko Asset Management New Zealand Limited Product Disclosure Statements, provider websites.