skip to log on skip to main content

Compare our funds

Compare our 13 funds and their key features, at a glance.

How does your fund choice affect your returns?

The OneAnswer KiwiSaver Scheme has a choice of 13 different funds, so you can choose how your savings are invested.

It’s important to note that the fund you’re invested in can make a big difference to the amount you have when you retire (or when you withdraw your savings to buy your first home).

How are our funds different?

Each of our funds invest in one or more investment 'assets' (e.g. shares, property, fixed interest and cash). Each type of asset has different levels of risk and return.

Growth assets are likely to experience larger movements in value compared to income assets. However, they’re also expected to achieve higher returns over the long term.

Growth assets

Growth assets
Listed property Equities (e.g. shares)


If you’re seeking higher long-term returns, you need to be willing to accept more risk, for example by investing in a fund with more growth assets.

Income assets

Income assets icons
Cash and cash equivalents Fixed interest (e.g. bonds)


If you’re seeking lower risk, you need to be willing to accept lower long-term returns, for example by investing in a fund with more income assets.

Choosing a fund

You can choose a fund by selecting from one of two options:

Selecting our Lifetimes option

With our Lifetimes option, you don’t need to do anything – your money is automatically invested in a fund that is considered appropriate for an average person of your age.

Find out more about the Lifetimes option


Selecting from our 13 funds yourself

A good option if you’re a hands-on investor. It can also be a good option if you’re looking to use your KiwiSaver savings to buy your first home in the near future – for example, you may want to consider a lower-risk fund to get more certainty about the amount you will have available to withdraw.

Find out more about our funds

Need help?

Find out your risk profile

Understanding your tolerance for investment risk may help you choose the right fund for you.

Changing funds

You can change the fund your savings are invested in. There are a number of ways to switch between funds:

Our funds

Here is an overview of our funds. You can choose one or more of our multi-asset-class funds or our single-asset-class funds.

Multi-asset-class funds

Single-asset-class funds

What's next?

Call us

0800 736 034

Weekdays, 8am - 6pm

Email us


ANZ New Zealand Investments Limited ('ANZ Investments') is the issuer and manager of the OneAnswer KiwiSaver Scheme. Important information is available under terms & conditions. Download the guide and product disclosure statement.

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

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 736 034, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see

The timeframe is based on the time you plan to withdraw some or all of your savings (e.g. for your first home or retirement).