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.


Choosing a fund

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

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. 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).

Growth Fund

May be appropriate if you plan to access your savings in

30+ years

Investment mix:

  • 80% growth assets
  • 20% income assets

Annual fund charge:

  • 1.08%  

Lifetimes option age range:

  • 0-35

Balanced Growth Fund

May be appropriate if you plan to access your savings in

20-29 years

Investment mix:

  • 65% growth assets
  • 35% income assets

Annual fund charge:

  • 1.03% 

Lifetimes option age range:

  • 36-45

Balanced Fund

May be appropriate if you plan to access your savings in

10-19 years

Investment mix:

  • 50% growth assets
  • 50% income assets

Annual fund charge:

  • 0.98%  

Lifetimes option age range:

  • 36-45

Conservative Balanced Fund

May be appropriate if you plan to access your savings in

5-9 years

Investment mix:

  • 35% growth assets
  • 65% income assets

Annual fund charge:

  • 0.78%

Lifetimes option age range:

  • 56-60

Conservative Fund

May be appropriate if you plan to access your savings in

1-4 years

Investment mix:

  • 20% growth assets
  • 80% income assets

Annual fund charge:

  • 0.64%  

Lifetimes option age range:

  • 61-64

Need help? Find out your risk profile

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


From overseas: +64 9 356 4000

Changing funds

There are two ways to change the fund your savings are invested in:

Important information

ANZ New Zealand Investments Limited ('ANZ Investments') is the issuer and manager of the OneAnswer KiwiSaver Scheme. Important information is available under terms and 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 anz.co.nz/fapdisclosure