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Compare our funds
Compare our six funds and their key features, at a glance.
Each of the ANZ-managed KiwiSaver schemes have a choice of six 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 has a different mix of 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
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| 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
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| 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.
Selecting from our six 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.
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:
What's next?
ANZ New Zealand Investments Limited is the issuer and manager of the ANZ KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme. Important information is available under terms & conditions. Download the guide and product disclosure statement.
The suggested investment timeframe is based on the time you plan to withdraw some or all of your savings (e.g. for your first home or retirement).
Back to topANZ KiwiSaver Scheme Growth Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long term is 4.8% over inflation (allowing for a negative return 4.9 years in every 20). We cannot guarantee that each fund’s investment objectives will be achieved.
Back to topANZ KiwiSaver Scheme Balanced Growth Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long term is 4.0% over inflation (allowing for a negative return 4.7 years in every 20). We cannot guarantee that each fund’s investment objectives will be achieved.
Back to topANZ KiwiSaver Scheme Balanced Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long term is 3.2% over inflation (allowing for a negative return 4.1 years in every 20). We cannot guarantee that each fund’s investment objectives will be achieved.
Back to topANZ KiwiSaver Scheme Conservative Balanced Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long term is 2.2% over inflation (allowing for a negative return 3.7 years in every 20). We cannot guarantee that each fund’s investment objectives will be achieved.
Back to topANZ KiwiSaver Scheme Conservative Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long term is 1.4% over inflation (allowing for a negative return 3.4 years in every 20). We cannot guarantee that each fund’s investment objectives will be achieved.
Back to topKiwiSaver Scheme Cash Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long term is in line with the S&P/NZX Bank Bills 90 Day Index. We cannot guarantee that each fund’s investment objectives will be achieved.
Back to topANZ Default KiwiSaver Scheme Growth Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long term is 4.8% over inflation (allowing for a negative return 5.0 years in every 20). We cannot guarantee that each fund’s investment objectives will be achieved.
Back to topANZ Default KiwiSaver Scheme Balanced Growth Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long term is 4.0% over inflation (allowing for a negative return 4.7 years in every 20). We cannot guarantee that each fund’s investment objectives will be achieved.
Back to topANZ Default KiwiSaver Scheme Balanced Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long term is 3.2% over inflation (allowing for a negative return 4.2 years in every 20). We cannot guarantee that each fund’s investment objectives will be achieved.
Back to topANZ Default KiwiSaver Scheme Conservative Balanced Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long term is 2.2% over inflation (allowing for a negative return 3.7 years in every 20). We cannot guarantee that each fund’s investment objectives will be achieved.
Back to topANZ Default KiwiSaver Scheme Conservative Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long term is 1.4% over inflation (allowing for a negative return 3.4 years in every 20). We cannot guarantee that each fund’s investment objectives will be achieved.
Back to topANZ Default KiwiSaver Scheme Cash Fund aims to achieve a positive yearly return (after the fund charge and before tax) that over the long term is in line with the S&P/NZX Bank Bills 90 Day Index. We cannot guarantee that each fund’s investment objectives will be achieved.
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