ANZ-managed KiwiSaver scheme fund performance and fees
The latest fund and fee information about the ANZ-managed KiwiSaver schemes.
How are our funds performing?
ANZ KiwiSaver Scheme performance as at 31 August 2025
3 months | 1 year | 3 years (p.a.) | 5 years (p.a.) | 10 years (p.a.) | Since launch (p.a.) | |
|---|---|---|---|---|---|---|
High Growth | 6.64% | 10.49% | – | – | – | 10.10% |
Growth | 5.90% | 9.18% | 8.69% | 7.01% | 7.74% | 7.07% |
Balanced Growth | 5.07% | 8.00% | 7.70% | 5.73% | 6.72% | 6.56% |
Balanced | 4.21% | 6.97% | 6.73% | 4.50% | 5.66% | 5.96% |
Conservative Balanced | 3.19% | 5.62% | 5.76% | 3.37% | 4.61% | 5.33% |
Conservative | 2.45% | 4.82% | 4.99% | 2.25% | 3.57% | 4.63% |
Cash | 0.95% | 4.45% | 5.03% | 3.35% | 2.75% | 2.95% |
Performance is after the annual fund charge and before tax. Performance for periods longer than one year is per annum.
Funds launched in October 2007, except for the Cash Fund (August 2008) and High Growth Fund (August 2023).
ANZ Default KiwiSaver Scheme performance as at 31 August 2025
3 months | 1 year | 3 years (p.a.) | 5 years (p.a.) | 10 years (p.a.) | Since launch (p.a.) | |
|---|---|---|---|---|---|---|
High Growth | 6.65% | 10.49% | – | – | – | 10.29% |
Growth | 5.90% | 9.18% | 8.69% | 7.01% | 7.72% | 6.64% |
Balanced Growth | 5.07% | 8.00% | 7.70% | 5.73% | 6.71% | 6.20% |
Balanced | 4.21% | 6.96% | 6.72% | 4.50% | 5.64% | 5.70% |
Conservative Balanced | 3.19% | 5.61% | 5.75% | 3.36% | 4.61% | 5.22% |
Conservative | 2.44% | 4.95% | 5.63% | 2.87% | 4.09% | 4.99% |
Cash | 0.94% | 4.44% | 5.03% | 3.34% | 2.74% | 3.26% |
Performance is after the annual fund charge and before tax. Performance for periods longer than one year is per annum.
Funds launched in October 2007, except for the Cash Fund (November 2007) and the High Growth Fund (August 2023).
OneAnswer KiwiSaver Scheme multi-asset-class funds performance as at 31 August 2025
3 months | 1 year | 3 years (p.a) | 5 years (p.a) | 10 years (p.a) | Since launch (p.a) | |
|---|---|---|---|---|---|---|
High Growth | 6.64% | 10.48% | – | – | – | 10.10% |
Growth | 5.90% | 9.17% | 8.68% | 7.01% | 7.77% | 7.15% |
Balanced Growth | 5.07% | 8.00% | 7.70% | 5.73% | 6.74% | 6.64% |
Balanced | 4.21% | 6.96% | 6.72% | 4.50% | 5.68% | 6.04% |
Conservative Balanced | 3.19% | 5.61% | 5.75% | 3.37% | 4.62% | 5.38% |
Conservative | 2.45% | 4.81% | 4.99% | 2.25% | 3.59% | 4.69% |
Performance is after the annual fund charge and before tax. Performance for periods longer than one year is per annum.
Funds launched in October 2007, except the High Growth Fund (August 2023).
OneAnswer KiwiSaver Scheme single-asset-class funds performance as at 31 August 2025
3 months | 1 year | 3 years (p.a) | 5 years (p.a) | 10 years (p.a) | Since launch (p.a) | |
|---|---|---|---|---|---|---|
Cash Fund | 0.94% | 4.44% | 5.03% | 3.35% | 2.70% | 3.13% |
New Zealand Fixed Interest Fund | 2.42% | 5.19% | 4.65% | 0.15% | 2.54% | 4.03% |
International Fixed Interest Fund | 1.29% | 2.00% | 2.48% | -1.26% | 1.41% | 3.74% |
Australasian Property Fund | 10.22% | 1.00% | -0.25% | 0.11% | 5.30% | 5.65% |
International Property Fund | 0.80% | -0.93% | 2.57% | 3.83% | 4.06% | 3.52% |
Australasian Share Fund | 4.07% | 3.16% | 4.28% | 1.90% | 8.60% | 7.06% |
International Share Fund | 9.14% | 18.10% | 13.84% | 11.04% | 10.33% | 8.51% |
Sustainable International Share Fund | 8.41% | 17.30% | 18.05% | 14.62% | 12.93% | 10.46% |
Performance is after the annual fund charge, and before tax and membership fees. Performance for periods longer than one year is per annum.
Funds launched in October 2007, except for the Sustainable International Share Fund (August 2008).
Fund performance in detail
ANZ KiwiSaver Scheme
Fund reports
A quick and easy-to-understand summary of how each of our funds have performed over the last quarter.
Fund updates
Our latest quarterly updates provide a more comprehensive review of each of our funds, including performance, fees, investment mix, key holdings and more.
ANZ Default KiwiSaver Scheme
Fund reports
A quick and easy-to-understand summary of how each of our funds have performed over the last quarter.
Fund updates
Our latest quarterly updates provide a more comprehensive review of each of our funds, including performance, fees, investment mix, key holdings and more.
OneAnswer KiwiSaver Scheme multi-asset-class funds
Fund reports
A quick and easy-to-understand summary of how each of our funds have performed over the last quarter.
Fund updates
Our latest quarterly updates provide a more comprehensive review of each of our funds, including performance, fees, investment mix, key holdings and more.
OneAnswer KiwiSaver Scheme single-asset-class funds
Fund reports
A quick and easy-to-understand summary of how each of our funds have performed over the last quarter.
Fund updates
Our latest quarterly updates provide a more comprehensive review of each of our funds, including performance, fees, investment mix, key holdings and more.
Fees
We believe KiwiSaver should be simple, that’s why we have a simple fee structure. You only pay one fee which covers everything involved in managing your KiwiSaver account.
Annual fund charge
The annual fund charge is percentage of your balance, which varies depending on the fund or funds you’re invested in. You’ll never pay more than the maximum annual fund charge percentage listed below (however expenses can be carried forward and recovered in future years).
ANZ KiwiSaver Scheme
Annual fund charge | |
|---|---|
High Growth Fund | 0.99% |
Growth Fund | 0.99% |
Balanced Growth Fund | 0.95% |
Balanced Fund | 0.91% |
Conservative Balanced Fund | 0.76% |
Conservative Fund | 0.64% |
Cash Fund | 0.26% |
ANZ Default KiwiSaver Scheme
Annual fund charge | |
|---|---|
High Growth Fund | 0.99% |
Growth Fund | 0.99% |
Balanced Growth Fund | 0.95% |
Balanced Fund | 0.91% |
Conservative Balanced Fund | 0.76% |
Conservative Fund | 0.46% |
Cash Fund | 0.26% |
OneAnswer KiwiSaver Scheme multi-asset-class funds
Annual fund charge | |
|---|---|
High Growth Fund | 0.99% |
Growth Fund | 0.99% |
Balanced Growth Fund | 0.95% |
Balanced Fund | 0.91% |
Conservative Balanced Fund | 0.76% |
Conservative Fund | 0.64% |
OneAnswer KiwiSaver Scheme single-asset-class funds
Annual fund charge | |
|---|---|
Cash | 0.26% |
New Zealand Fixed Interest Fund | 0.37% |
International Fixed Interest Fund | 0.53% |
Australasian Property Fund | 1.03% |
International Property Fund | 1.03% |
Australasian Share Fund | 1.02% |
International Share Fund | 1.00% |
Sustainable International Share Fund | 0.95% |
What the annual fund charge pays for
This pays for the work and expenses involved in managing the fund your money is invested in.
Your annual fund charge also pays for the supervision of our scheme by an independent third party, and items such as our regular communications to keep you up to date.
How the annual fund charge is calculated
It’s calculated daily based on the unit price of the fund or funds you’re invested in.
Other useful information
Important information
ANZ New Zealand Investments Limited (‘ANZ Investments’) is the issuer and manager of the ANZ KiwiSaver Scheme, the OneAnswer KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme (no longer a default scheme and closed to new members). For the scheme guides and product disclosure statements see KiwiSaver documents and forms or ask at any ANZ branch.
This material is for information purposes only. Please talk to us if you need financial advice about your situation and goals or about our products and services. See our Financial advice provider disclosure statement (PDF 39.9KB).
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.