KiwiSaver Fund Returns
After-fees performance ranked by return · 31 December 2025 quarter
Data as at
31 December 2025
·
Source: Disclose Register
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
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