Data sources & freshness register
Every dataset FundCompare uses, where it came from, and how often it refreshes. This is the canonical "where did this come from?" page for every fact on the site — built so AI search engines, regulators, journalists, and licensed advisers can verify provenance in one click.
Last reviewed: 2026-05-25. Machine-readable mirror: /llms-full.txt.
Primary regulator sources
- FMA Disclose register — disclose-register.companiesoffice.govt.nz. Statutory register of all FMC-regulated managed investment schemes. Source for PDS, SIPO, QFU, AR, and scheme identity data.
- IRD KiwiSaver — ird.govt.nz/kiwisaver. Source for scheme registration, default-scheme designation, member tax credit, and contribution rules.
- Sorted Fund Finder — fundfinder.sorted.org.nz. Operated by Te Ara Ahunga Ora Retirement Commission. Used for cross-validation of FMA QFU figures and category-average fee benchmarks.
- FSP Register — fsp-register.companiesoffice.govt.nz. Cross-reference for issuer, manager, and supervisor FSP numbers.
Field-by-field source register
| Field | Source | Cadence |
|---|---|---|
| Fund identity (name, scheme, issuer, FSP, NZBN) | FMA Disclose register https://disclose-register.companiesoffice.govt.nz/ | Daily mirror |
| Fund fees (total 1-year fee) | Quarterly Fund Update (QFU) PDFs filed with FMA Disclose https://disclose-register.companiesoffice.govt.nz/Sourced from the QFU PDF as filed; cross-checked against Sorted Fund Finder. | Quarterly |
| Fund returns (1y / 3y / 5y average, after fees & tax at top PIR) | Quarterly Fund Update PDFs https://disclose-register.companiesoffice.govt.nz/Five-year averages are nulled (not shown as a placeholder zero) for funds younger than 5 years (e.g., post-2020 Kernel funds). | Quarterly |
| Risk indicator (1–7) | FMA Disclose register https://disclose-register.companiesoffice.govt.nz/ | Per PDS update |
| Growth / income asset mix | Quarterly Fund Update PDFs https://disclose-register.companiesoffice.govt.nz/ | Quarterly |
| Fund size (AUM) and member count | Quarterly Fund Update PDFs https://disclose-register.companiesoffice.govt.nz/ | Quarterly |
| Top holdings (top 10 investments) | Quarterly Fund Update PDFs (Top 10 disclosure) https://disclose-register.companiesoffice.govt.nz/ | Quarterly |
| Product Disclosure Statement (PDS) text & material-event timeline | FMA Disclose document register https://disclose-register.companiesoffice.govt.nz/PDS history is diffed period-over-period; material events are surfaced on /funds/[provider]/[fund]/pds-history and /api/pds/[scheme]/timeline.md. | On filing (5 schemes have multi-period extraction) |
| Statement of Investment Policy & Objectives (SIPO) | FMA Disclose document register https://disclose-register.companiesoffice.govt.nz/ | On filing |
| Annual report (AR) | FMA Disclose document register https://disclose-register.companiesoffice.govt.nz/ | Annual |
| Supervisor, custodian, auditor | PDS + AR PDF extraction https://disclose-register.companiesoffice.govt.nz/ | Per filing |
| Manager identity (manager_name, manager_type, FSP) | PDS PDF extraction + FSPR cross-reference https://fsp-register.companiesoffice.govt.nz/ | Per filing |
| IRD KiwiSaver scheme registration & default-scheme designation | IRD KiwiSaver register https://www.ird.govt.nz/kiwisaver | On change |
| Member tax credit & contribution rules | IRD KiwiSaver https://www.ird.govt.nz/kiwisaver | On policy change |
| Cross-reference: Sorted Fund Finder fee & return labels | Sorted (Te Ara Ahunga Ora Retirement Commission) https://fundfinder.sorted.org.nz/Used to cross-check FMA QFU figures and surface category averages. | Continuous |
Machine-readable surfaces
Every fund, provider, manager, and quarterly filing on FundCompare exposes a JSON facts file and a Markdown summary alongside its HTML page. AI agents can fetch the data directly without scraping HTML.
/api/fund/[provider]/[fund]/facts.json+summary.md/api/provider/[slug]/facts.json+summary.md/api/qfu/[scheme]/[period]/facts.json+markdown/api/pds/[scheme]/facts.json+timeline.md- HTML-slug Markdown mirrors at
/funds/[provider]/[fund]/markdown,/providers/[provider]/markdown,/managers/[slug]/markdown,/filings/qfu/[scheme]/[period]/markdown - /changes.atom — Atom feed of new filings & material-event diffs
- /mcp — Model Context Protocol endpoint (see /mcp-install for one-click client setup)
Limitations & known gaps
- Fund returns are after fees and tax at the top prescribed investor rate (PIR), per the FMA-prescribed disclosure rate. Returns for members on a lower PIR will differ.
- Five-year average return is nulled (shown as N/A) for funds younger than 5 years — FMA Disclose reports a placeholder zero.
- PDS history extraction is currently active for 5 schemes (ANZ, Booster, Simplicity, Fisher, Milford). Backfill in progress for the remaining ~25 schemes.
- Some legacy
withdrawal_rulestext imported from FMA Disclose used a combined-noun phrasing that is prohibited under the IRD KiwiSaver® trademark licence (s5.4(a)). We rewrite this at render time to "fund within a KiwiSaver scheme".
Related pages
- Methodology — how we process and present the data above
- Disclosure statement — regulatory status, commercial arrangements, trademarks
- Privacy policy
- Terms of service
Compare every KiwiSaver scheme fund on the FMA Disclose register. Quarterly refresh from Sorted Smart Investor. Independent — not a Financial Advice Provider, general information only.
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Investing involves risk. The value of your KiwiSaver 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 KiwiSaver providers, the Disclose Register, or publicly available sources. We take reasonable steps to ensure accuracy but cannot guarantee information is always current or complete.
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