KiwiSaver comparison

Compare KiwiSaver funds to find the best option for you.

NZ cash and coins.

Our compare tool lets you view KiwiSaver funds, and compare fees, returns and customer satisfaction ratings.

Here’s what you need to know before you get started.

  • Not sure how to choose a provider? Read our guide to learn about KiwiSaver basics, making contributions and more.

Fund types

You can view all funds or compare by fund type:

  • Defensive
  • Conservative
  • Balanced
  • Growth
  • Aggressive

Funds differ in where they invest your money and their level of risk. Defensive funds invest most of your money in cash and bonds. That means they’re lower risk, but the returns may also be lower. At the other end of the scale, aggressive funds are chasing high returns and are higher risk. They invest mainly in shares and property.

Fees and returns

For each fund, you can view annual fees and five-year returns data (where available). This data is sourced from the Commission for Financial Capability's website smartinvestor.sorted.org.nz.

  • Fees show what you would have paid for the year ended 31 March 2019 if you had $10,000 in the fund. This includes both fixed membership and percentage fees.

  • Five-year returns show how much the fund has grown in value on average each year over the past five years (after fees and taxes). NR = not recorded.

It’s important to bear in mind that returns show how funds have performed in the past – they’re not an indicator of how they’ll do in the future.

Satisfaction ratings

Our provider satisfaction ratings are based on a February 2019 nationally representative survey of 2072 New Zealanders, aged 18 and over.

The ratings show the proportion of respondents who scored their KiwiSaver provider 8, 9 or 10 on a scale from 0 (very dissatisfied) to 10 (very satisfied). Ratings are for providers that had 30 or more responses in our survey.

People's Choice

The People’s Choice endorsement is given to KiwiSaver providers that rate above average for customer satisfaction in our annual surveys and meet our other performance criteria.

Which KiwiSaver fund is right for you?

Compare fees, 5-year returns and customer satisfaction scores, plus find out which providers came out as our People's Choice winner.

Compare funds

Our members help keep us independent

Get unlimited access to all content and support us in staying independent.

Learn more Join Consumer Log in

KiwiSaver satisfaction

KiwiSaver satisfaction

16june kiwisaver satifaction promo default

KiwiSaver satisfaction

See what customers think of the 13 major providers in our survey.

Learn more

Got a problem?

Got a problem?

16jun assert your rights clp need more help promo default

Got a problem?

The Consumer Advice Line is available to all our members for support on any consumer-related issue. Our expert advisers can explain your rights and help you resolve problems with a retailer.

Contact us now