KiwiSaver Fund Returns
After-fees performance ranked by return · 31 December 2025 quarter
Showing —
Conservative
— funds
| # | Fund | 3M% | 1Yr% | 3Yr p.a. | 5Yr p.a. | 10Yr p.a. | Fee% | FUM | Members |
|---|
Fee ≤0.50%
0.51–0.99%
≥1.00%
— = no data yet
Moderate
— funds
| # | Fund | 3M% | 1Yr% | 3Yr p.a. | 5Yr p.a. | 10Yr p.a. | Fee% | FUM | Members |
|---|
Fee ≤0.50%
0.51–0.99%
≥1.00%
— = no data yet
Balanced
— funds
| # | Fund | 3M% | 1Yr% | 3Yr p.a. | 5Yr p.a. | 10Yr p.a. | Fee% | FUM | Members |
|---|
Fee ≤0.50%
0.51–0.99%
≥1.00%
— = no data yet
Growth
— funds
| # | Fund | 3M% | 1Yr% | 3Yr p.a. | 5Yr p.a. | 10Yr p.a. | Fee% | FUM | Members |
|---|
Fee ≤0.50%
0.51–0.99%
≥1.00%
— = no data yet
Aggressive
— funds
| # | Fund | 3M% | 1Yr% | 3Yr p.a. | 5Yr p.a. | 10Yr p.a. | Fee% | FUM | Members |
|---|
Fee ≤0.50%
0.51–0.99%
≥1.00%
— = no data yet
For informational purposes only. Not financial advice. Returns after fees, before tax. Past performance is not indicative of future returns.
Data as at 31 December 2025, sourced from the Disclose Register.
Consult a licensed financial adviser for personal guidance.
How to read this table
Return figures (1Yr%, 3Yr, 5Yr, 10Yr columns)
+5.2%
Positive return — fund grew in value
−1.3%
Negative return — fund lost value
—
No data yet (fund too new for this period)
Fee% column — annual fund charge colour coded
≤0.50% — low fee, keeps more of your return
0.51–0.99% — moderate fee
≥1.00% — high fee, erodes returns significantly over time
💡 Why fees matter so much
A 1% annual fee difference on a KiwiSaver balance compounds to $100,000–$300,000 less at retirement over a 40-year working life — modelled using the KiwiRates calculator across typical NZ salary and contribution scenarios.
The Fee% shown is the total annual fund charge (management fee + expenses). Returns shown are already after fees are deducted.
Fund type reference — asset allocation guide
Click any fund type below to jump to that category · For information only — not a recommendation
Conservative
~20% growth assets, ~80% income assets
Moderate
~40% growth assets, ~60% income assets
Balanced
~60% growth assets, ~40% income assets
Growth
~80% growth assets, ~20% income assets
Aggressive
~100% growth assets, minimal income assets