The best KiwiSaver funds compared for 2026
Not just returns — we compare KiwiSaver management fees, ethical investment screening, fund volatility, and ease of provider switching. Whether you’re looking for the best KiwiSaver growth fund, lowest-fee index fund, or a responsible investment option, all providers below are FMA-registered and accept transfers from any existing KiwiSaver scheme.
New Zealand’s lowest-fee growth fund. Simplicity tracks global indices and donates 15% of its management fee to charity. No advisor commissions, no complexity. Ideal for set-and-forget long-term investors.
Switch to Simplicity →Consistently the highest-returning KiwiSaver growth fund in New Zealand over 5 and 10 year periods. Actively managed by an experienced Auckland-based team. Higher fees but historically justified by performance.
Join Milford KiwiSaver →Strong long-term performance with an ESG (Environmental, Social, Governance) lens. Fisher Funds is one of NZ’s largest and most established fund managers. Good choice for investors who want both returns and responsible investing.
Compare Fisher Funds →ANZ is New Zealand’s largest KiwiSaver provider by members. Solid if unremarkable performance. Best for those who value brand familiarity and seamless integration with their ANZ banking. Easy to manage online.
View ANZ KiwiSaver →Ready to switch? It takes under 10 minutes
Switching KiwiSaver providers is completely free, done entirely online, and your employer contributions follow automatically. See exactly how to do it in the final step.
Show me how to switch →Fund performance figures are based on publicly available historical data and are for comparison purposes only. Past performance is not a guarantee of future results. Fees may change. This is not financial advice. We may receive referral fees from providers listed. Always read the Product Disclosure Statement before switching. Registered with the FMA as a Financial Services Provider is not an endorsement of quality.