Who is best kiwisaver provider

It's important to check the health of your KiwiSaver fund and understand its position within the market. Submit the form below to view a simple graphic report of your fund. By submitting our form, you agree to the terms and conditions of our website. We will never sell your information and only use it to provide you with information on financial advice services as per our Privacy Policy. The data is based on the quarterly Morningstar Survey of Jun Milford's Conservative Fund is aimed towards investors looking for medium returns and greater capital protection with a minimum investment period of 3 years.

The investment is one with lower risk that is diversified, primarily, with fixed interest securities and a reasonable allocation to equity. The five-year return of Milford's Conservative Fund is 5.

Taking a look at the asset allocation gives you an idea of what the fund invests in as well as the proportions. It is a good indicator for investors as asset allocation impacts the volatility, risk, and return of a fund. If you're in a conservative KiwiSaver fund, you prioritise stability and lower volatility over high returns.

You are potentially aiming to withdraw from your KiwiSaver in the next couple of years for either your first home or retirement. In this case, you wouldn't want to witness a sudden drop in your KiwiSaver balance when you are finally ready to use your funds. Aon Russell LifePoints Moderate Fund has a goal of generating returns that are greater than inflation. This fund suits investors who are looking to hold their investment for a period no less than 5 years.

You may be a few years away from withdrawing from your KiwiSaver. If you're unsure about whether you are making the most out of your KiwiSaver, take our KiwiSaver HealthCheck below to help you feel more confident in your investment. Milford's Balanced fund seeks to deliver capital growth for investors over an investment period of 5 or more years.

For the more risk averse people, the conservative KiwiSaver scheme is a plan that should definitely be considered. Leaning towards the income side rather than growth, the conservative plan aims to provide a safe investment with little growth. This plan is more likely to experience ups and downs when it comes to the returns of the investment than the other plans, but the prospect of larger returns can make this a tempting investment.

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First Name. Last Name. Email Address. Year of birth. Share with. Sorted surveys KiwiSaver providers every six months and scores how well they compare. So is it time to switch your KiwiSaver?

Within a few weeks your money will be flowing into your new fund for your future. Can I be in more than one KiwiSaver fund? Can I be with more than one KiwiSaver provider? How do I find funds that are ethical and socially conscious?

How do I find them? How does Sorted group the five types of KiwiSaver funds? At Sorted, we group the funds into five categories in this way: Type of fund Proportion invested in 'growth assets' shares, commercial property, derivatives Defensive 0—9.

When is it a good idea to switch KiwiSaver funds? Here are some good reasons to head down this route: You decide you can handle more ups and downs and you want the potentially higher returns of a riskier fund.

These may be good reasons to move to a new KiwiSaver provider: It charges lower fees on funds with the same level of risk. It offers better services and clearer communications with its members. Your current provider consistently makes returns well below average over the long term. When is it not a good idea to switch KiwiSaver funds?

A new provider has been recommended to you, but the recommendation came from someone who is rewarded if you transfer like a bank or an adviser. Our favourite KiwiSaver fund for actively-managed returns in recent times. The JUNO Growth Fund, in no uncertain terms, is all about maximising investor returns while being transparent about charging a single monthly fee. What makes the fund stand out? Right now, there are around thirty KiwiSaver growth funds, but JUNO's version is performing well ahead of the market, which makes it an attractive proposition.

You'll be relying on the expertise of PIE's management team -so there is a risk of the fund under-performing the index fund alternatives, but this is the case with any actively managed fund. We like that the fees are simple - there is one fixed monthly fee based on your fund size.

You won't be charged membership fees, nor are there performance fees both of which are common in high-performing actively-managed growth funds. Our favourite KiwiSaver fund for anyone looking for an aggressive fund with leading long-term returns. Fund: Booster Geared Growth Fees: 1. The idea is that borrowing at low interest rates means returns from buying and selling investments will be higher as the cost of debt is cheap.

This is also designed to maximise the fund's profits because the cost of borrowing is fixed and, all going well, less than the investment returns. While the management fee is higher than other Booster funds due to the interest costs paid on additional money sourced , its aim is to outperform market returns. If you are comfortable with taking an aggressive approach to your KiwiSaver retirement fund, the Booster Geared Growth Fund has a solid track record.

Per Morningstar data , the fund has been the 1 performer for 5-year returns and year returns in its investment category, and 2 for 3-year returns. If you're comfortable paying the fees with the aim of earning above-market returns, and are happy to ride the markets, this fund could be for you.

More details: Booster KiwiSaver review. Unlike the Booster Geared Growth Fund , it doesn't borrow money to invest so has a lower management fee. Also, it is dedicated to investing in companies which meet and exceed ethical investing standards. Our favourite KiwiSaver fund for sustainable investing. Fund: Pathfinder Growth Fund Fees: 1. It arguably applies the strictest test, excluding any company it considers to be 'unethical' or a poor investment opportunity.

It also invests outside the sharemarket and has recently taken an equity stake in Sharesies. There is no KiwiSaver fund that's more ethically-focused, nor as generous as a percentage with its charitable donations. Alongside holdings in Microsoft and wind farm companies, Pathfinder's intention is to invest in companies that are undervalued, have growth potential and do not harm society.

It's actively managed, hence the higher management fee. More details: Pathfinder KiwiSaver review. Learn about Pathfinder KiwiSaver. Our favourite long-term growth KiwiSaver fund for low management and membership fees.

Fund: Simplicity Growth Fund Fees: 0. Simplicity invests its Growth Fund money in the New Zealand and international sharemarket. Its focus is on maximising each investor's retirement nest egg. It also promotes its aim of beating actively-managed funds in the long term by way of its nature as an index fund.