Independent KiwiSaver education for New Zealanders
Find your KiwiSaver fit in 60 seconds
Find potential fund matches for your timeframe and goals, then compare KiwiSaver fees, past returns and risk. For a first home, retirement or a fresh look at your current fund.
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How potential matches are selectedGuided fund check
Start with your goal, timeframe and comfort with market falls. These are educational matches, not recommendations; compare the fund details before deciding.
Five quick answers
No sign-up or email required to compare. Contact details and results are stored only if you submit an optional results or adviser request.
What is this money for?
When will you use it?
Your balance drops 20% in a month. You…
Your details
Your suggested fund type
Growth
Fund data last updated 30/06/2026 · How matching works
With that timeframe, short-term dips matter far less than fees and staying invested.
Picking the cheapest of these over the dearest could be worth roughly $135,520 to you over 20 years.
Growth fund with a 1.05% annual fee and 75% growth assets. Data sourced from FundCompare NZ.
In 20 years
$444,475
Why this fund appeared: matches your growth suggestion for a 13-25 years timeframe. Fee 1.05%, 10-yr return 8.9%. How matching works
Aggressive fund with a 0.25% annual fee and 98% growth assets. Data sourced from FundCompare NZ.
In 20 years
$990,640
Why this fund appeared: sits one step more aggressive than your growth suggestion. Fee 0.25%, 10-yr return 14.6%. How matching works
Balanced fund with a 0.25% annual fee and 60% growth assets. Data sourced from FundCompare NZ.
In 20 years
$547,349
Why this fund appeared: sits one step more defensive than your growth suggestion. Fee 0.25%, 10-yr return 10.4%. How matching works
Growth fund with a 1.39% annual fee and 80% growth assets. Data sourced from FundCompare NZ.
In 20 years
$389,863
Why this fund appeared: matches your growth suggestion for a 13-25 years timeframe. Fee 1.39%, 10-yr return 8.0%. How matching works
Get your suggested fund type and shortlist in your inbox, with a link back to this exact comparison — handy when you're ready to talk to a provider.
Projections hold your contribution and gross employer contribution at 3.5% each throughout (current minimums from 1 April 2026); they do not model the April 2028 increase to 4% or ESCT. The government adds 25c per $1 of your own contributions, capped at $260.72 a year, with none above $180,000 annual taxable income. Salary is used as a proxy for taxable income. Full-year NZ-resident eligibility from age 16 to before 65 is assumed; part-year eligibility is not modelled. Past average returns are assumed to continue — they are not a forecast. See IRD government contribution rules. Educational information only, not financial advice. Fund figures last updated 30/06/2026.
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Comparing your bank with another provider? Read our KiwiSaver provider comparison checklist for fees, risk, returns and a worked example.
On a $60,000 balance held for 25 years, a one-percent fee gap can quietly remove more than the price of a new car. Fees come out whether markets rise or fall.
Growth funds can have substantial short-term falls, even with a long investment horizon. Money needed soon for a house deposit has less time to recover. Consider both when you need the money and how much volatility you can tolerate.
A default fund is a starting point, not a personalised choice. Check its investment mix, fees and risk against your goals rather than assuming it is right or wrong for you.
The standard employee and employer minimums are 3.5% from 1 April 2026. Contribute at least $1,042.86 of your own money between 1 July and 30 June for up to $260.72 from the government if eligible: generally NZ-resident, aged 16 to under 65, with annual taxable income of $180,000 or less. Check your PIR too.
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Start with funds in a comparable risk band, then check annual fees, returns over the same period, investment approach and service. The directory lets you shortlist funds side by side; the guided finder offers potential matches from your timeframe and goals, not a personalised recommendation.
There is no single best fund for everyone. Your withdrawal timeframe, tolerance for balance changes, fees and investment preferences all matter. A fund with the highest past return may not suit your goals, and past performance does not predict future returns.
Yes. You apply to the new provider and they arrange the transfer — usually a couple of weeks. Your money stays inside KiwiSaver, so there is no tax event and switching does not reset anything. Check with your current provider first: IRD warns some may charge a transfer fee.
If you expect to withdraw soon, review how much of your deposit is exposed to market falls. Defensive and conservative funds generally have less volatility than growth funds, but can still lose value. The right timing depends on your plans and ability to absorb a fall; consider licensed advice if unsure.
Sometimes, but not reliably. Some active managers have genuinely earned their fee over full cycles; many have not. Fees are certain, outperformance is not — so treat a high fee as something the fund has to justify.
No. This is general educational information to help you ask better questions. For advice about your own situation, talk to a licensed financial adviser.