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How our funds are managed

When you invest in one of our schemes, the ANZ KiwiSaver Scheme or ANZ Default KiwiSaver Scheme, you can be sure your money is working every bit as hard as you do – now and in the future. Here are some of the reasons why:

  • We have an impressive track record. We are New Zealand's largest KiwiSaver scheme manager. We're pleased to have received high ratings from independent research houses. Find out more about our full awards history and ratings.
  • Proven investment knowledge and experience. Your money is looked after by some of the best in the business. Our highly experienced investment management team aims to select quality investments with a focus on long-term performance. Find out more about our investment management team
  • We never stop working for you. Markets never stand still, and neither do we. Our active approach to investing means we monitor local and global markets to identify what we believe are the best opportunities to optimise your investment. Our disciplined, rigorous investment approach has consistently delivered strong returns after fees for our members over the long term. 
  • Spread your risk. All funds except for the Cash Fund are diversified, which means they generally invest in multiple asset types, organisations, industries and countries. Diversification spreads your risk as at any one time, some assets in a fund may do well even if others don’t. Find out more about our funds.
  • Your money is invested responsibly. We’re committed to responsible investing because we believe it’s in the best long-term interests of our investors. Responsible investing is good for society, and it’s good for our investment portfolios too.

Our approach

When you invest with us, you can be confident your money is being invested responsibly. Here are some of the reasons why:

Sustainable performance


Our goal is to deliver sustainable performance in a sustainable way. When we assess investments we look at a range of both financial and non-financial criteria. We believe that environmental, social and governance factors are some of the drivers of long-term investment risks and returns.

Active ownership


We take an active, rather than passive, approach to managing your investments. This means we retain control of the investments we manage. We can act when necessary to ensure our investment funds meet, and continue to meet, our financial and non-financial criteria.

Guiding principles


We are a signatory to the Principles for Responsible Investment (PRI), a United Nations supported framework which provides aspirational global criteria for responsible investing. As part of this, we are committed to reporting on our activities and progress towards implementing the principles.

What we don’t invest in


We don’t invest in companies that are involved in manufacturing cluster munitions or anti-personnel landmines, manufacturing or testing nuclear weapons, manufacturing tobacco products, and manufacturing automatic and semi-automatic firearms, magazines or parts for civilian use.

Find out more about our responsible investing approach

Find out what the funds in the ANZ KiwiSaver Scheme and ANZ Default KiwiSaver Scheme invest in.

We're here to help

You have access to more people in more places to help you with anything from simple KiwiSaver questions, to free investment advice.

Not sure which KiwiSaver scheme you're in?

Find out how you can check.

For further information, please see the relevant guide and product disclosure statement:

The guide and product disclosure statements are available by calling 0800 736 034. The ANZ KiwiSaver Scheme guide and product disclosure statement are also available from any ANZ branch.

Issuer and manager: ANZ New Zealand Investments Limited (‘ANZ Investments’) is the issuer and manager of the ANZ KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme.

Investments are not deposits in ANZ Group: Investments in the ANZ KiwiSaver Scheme or the ANZ Default KiwiSaver Scheme are not deposits in ANZ Bank New Zealand Limited,  Australia and New Zealand Banking Group Limited, or their subsidiaries (together 'ANZ Group'), nor are they liabilities of ANZ Group. ANZ Group does not stand behind or guarantee ANZ Investments. Investments are subject to investment risk, including possible delays in repayment, and loss of income and principal invested. ANZ Group will not be liable to you for the capital value or performance of your investment.

No guarantee: Investments in the ANZ KiwiSaver Scheme and ANZ Default KiwiSaver Scheme are not guaranteed by ANZ Group, any of its directors, or any other person.

For information only: This website has been provided for information purposes only and is subject to change. The content of this website is intended to be of a general nature and does not take into account an investor’s, or potential investor’s, financial situation, investment objectives, or risk tolerance.

Not investment advice: This website is not intended to constitute, does not constitute, and should not be construed as constituting, investment advice nor is it a substitute for commercial judgment or other professional advice. Investors, or potential investors, should: (i) conduct independent due diligence on any investments; and (ii) obtain independent investment and professional advice, including tax advice, prior to acting in reliance on this website.

For specific investors only: This website is intended for investors who understand the investment risks referred to on it. Some, or all, of the investments mentioned on this website may not be suitable for certain investors. Investors, or potential investors, should consider whether: (i) an investment is appropriate for their risk profile; and (ii) they will meet the suitability requirements relating to those types of investments.

Speak to a financial adviser: This website is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult a financial adviser, please call us on 0800 269 238 and we will provide you with the contact details for a financial adviser in your area. A financial adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008.

Past performance: Past performance does not indicate future performance. The actual performance any given investor realises will depend on many things, is not guaranteed and may be negative as well as positive.

How performance is calculated: Except for in the quarterly KiwiSaver fund updates (in which investment performance is calculated after fees and at a 28% prescribed investor rate), performance is after annual fund charges, and before tax and membership fees. The funds in respect of products mentioned on this website are portfolio investment entities (PIEs). Performance for funds operating before they became PIEs on 1 October 2007 has been recalculated to be on the same (pre-tax) basis. Returns for all periods longer than 1 year are annualised.

Unit prices: The unit price is calculated in accordance with the applicable governing document (each as amended, added to or replaced) for the ANZ KiwiSaver Scheme and ANZ Default KiwiSaver Scheme. The actual unit price that applies at the time a transaction request is received and accepted may differ from the unit price shown.