How to choose a KiwiSaver fund?

When choosing a KiwiSaver fund, it is important to consider the following steps:

Assess your investment goals

Are you saving for retirement, a first home, or another major purchase? Knowing your goals will help you determine the type of fund that is best for you.

Evaluate your risk tolerance

Are you comfortable with the potential for significant fluctuations in the value of your investment? If not, you may want to consider a lower-risk fund.

Research fund performance and fees

Look at the performance history of the funds you're interested in and compare the fees associated with each one.

Look into the investment style of the fund manager

Understand the fund manager's approach to investing and the sectors they invest in.

Consultation with a financial adviser

You can consult with a financial adviser for expert advice on choosing a KiwiSaver fund.

Compare the different KiwiSaver

Compare the different KiwiSaver providers and their funds, visit their websites and read the information they provide on their funds.

It's important to:

  • remember that past performance is not a guarantee of future performance, and diversifying your investments is a good practice to minimise risk; and
  • review your KiwiSaver fund regularly and make changes if necessary based on your current financial situation and goals.

Important information and disclaimer

  • Any advice on this publication is of a general nature only and has not been tailored to your specific circumstances. Before taking action on this information, please seek your personal advice. Past performance is not a reliable guide for future returns. The information on this page reflects our understanding of the existing legislation, standards, etc.

    In some cases, the information has been provided to us by third parties. While the information is believed to be accurate and reliable, but this is not guaranteed in any way.

  • Neither AIFP nor its responsible persons or employees give any warranty of accuracy, nor accept any responsibility for errors or omissions in the information provided on this page.