MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • Independent Reserve Review
        • eToro Review
        • Coinbase Review
        • Kiwi-Coin Bitcoin Exchange Review
        • Vault International Bitcoin Fund Review
      • Guides
        • How to Buy Bitcoin in New Zealand
        • Beginner's Guide to Bitcoin and Blockchain
        • Guide to NFTs
        • Bitcoin Wallet Guide
        • Bitcoin Mining
        • How to Sell Bitcoin
        • Bitcoin and Crypto Scams
        • Initial Coin Offerings
        • A Beginner’s Guide to Investing in Cryptocurrencies
        • Decentralised Finance
        • Bitcoin in New Zealand
        • New Zealand Bitcoin Exchanges
        • How to Buy Ethereum in New Zealand
        • Other Coins
          • How to Buy Ripple in New Zealand
          • How to Buy Cardano in New Zealand
          • How to Buy Dogecoin in New Zealand
          • How to Buy Litecoin in New Zealand
          • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Car Insurance
      • Guides
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • Business Calculators
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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AMP KiwiSaver Scheme Review

AMP KiwiSaver review
​Updated 26 January 2021

Summary of AMP KiwiSaver
We make sense of one of KiwiSaver's largest schemes, and with 28 investment options to choose from, no other provider offers more variety. Uniquely, AMP offers its own funds and funds managed by other providers, with popular examples being the ANZ Balanced Growth Fund, Mercer Balanced Fund and Nikko AM Balanced Fund. Select funds from ASB are also offered.

Unlike other our other KiwiSaver provider reviews, we are giving more weight to media articles, fund performance rankings and commentary from financial experts, cited throughout this page. For the reasons we will outline, our view is that AMP KiwiSaver has struggled against other schemes since their funds launched in 2007.

AMP is in the news quite often. Recently the Consumers Institute announced that AMP customers report well-below average satisfaction. Add on repeated articles about poorly performing funds and proof that the scheme is losing market share and AMP has a lot of work to do to improve its KiwiSaver perception.

​
Our Review
In this guide, we outline what the AMP KiwiSaver scheme is, what funds it offers to KiwiSaver members, and how they're different to other funds, as well as looking at alternatives and the level of fees involved.
 
Please note: MoneyHub is not a Financial Adviser, and this guide has been published to explain the investment fundamentals and outline the pros and cons of AMP as a KiwiSaver investment option.
​
This Guide covers:
  • The Specs of AMP KiwiSaver Funds, Fees and Where Your Money Is Invested
  • AMP in the News
  • Who is AMP KiwiSaver Suited to?
  • ​8 Things To Know About AMP KiwiSaver
  • Conclusion​

Performance:
Our KiwiSaver Three-Year Returns Calculator and Comparison shows the latest three-year returns in dollar terms, so you can see which funds over-performed and under-performed compared to above average across all KiwiSaver funds (listed as Balanced, Moderate or Growth). This tool is updated monthly so that you can see the latest results. 
Read this First: Fees, Performance and Understanding What's Best For Your Situation
  • A lot of media attention focuses on KiwiSaver fees, but this is only one thing to consider when picking the most suitable provider and fund for your retirement needs.
  • We believe that being comfortable with what you're investing in is the most important aspect of saving for your retirement, not the fee you'll pay.
  • While we don't focus on the latest returns, we encourage readers to make their own comparisons using our KiwiSaver fund comparison tool.
  • Ultimately, deciding upon whether AMP KiwiSaver is right for you will most likely come down to your interpretation of the fund performances in the medium term, their investment strategy and their fees.

AMP KiwiSaver review

The Specs of the AMP KiwiSaver Funds - fees, risks and explaining where your money is invested

  • The scheme is managed by AMP Wealth Management New Zealand Limited (Manager), the investment arm of the AMP Group, an Australian-owned company.
  • Quarterly fund performance reports are available on the AMP website.
  • Each of the funds has a unique risk factor (1 = lowest, 7 = highest), which is driven by its distinct investment profile.
  • Fees, returns, risks and the suggested investment timeframe differ between funds, as we outline below. 
  • The scheme has seven main funds. AMP has also a further 21 investment options to choose from which include a Lifesteps investment option, a responsible investment fund, diversified fund from other providers and goals based funds.
  • We have only reviewed the funds that are core to the AMP scheme.
​1: AMP Default Fund
This fund invests in income assets of a short term nature such as bank deposits, floating-rate notes, money market securities with New Zealand-registered banks and New Zealand and overseas shares. It's AMP's largest KiwiSaver fund, as those who sign-up through the IRD without choosing a specific company are automatically enrolled in one of the nine default scheme provider funds, of which AMP is one. 
  • Average annual net return since fund launch (2007): ~4%
  • Annual fee: 0.41%
  • Risk factor: 3
  • Fund objective: "To preserve the value of your investment and achieve modest returns".
  • Suggested minimum investment timeframe: 2 years
  • Investment Composition: Cash and cash equivalents (45%), New Zealand fixed interest (17.5%), international fixed interest (17.5%), Australasian equities (7%) and international equities (13%). 

We say:
  • The AMP Default Fund is the most conservative AMP diversified fund, and offers good value for a conservative option  by charging the lowest management fee in the AMP KiwiSaver Scheme. The fund invests predominantly into low-risk products such as bank bonds and deposits, with a small allocation to growth assets such as international shares through index funds.
  • The fund's performance is helped by a reasonable 0.41% management fee, which is lower than all but one other default fund in KiwiSaver.
  • Despite over $1 billion invested in the fund, the Financial Markets Authority has put in place a financial literacy obligation for default providers such as AMP to educate their members about alternative funds. Despite this, only 6% of AMP members have made an active choice to change from the Default fund in recent years, which is the lowest percentage of any default KiwiSaver provider.
  • Our view is this fund isn't reporting extraordinary returns (despite relatively low fees), so existing members would be best to look at alternatives within AMP and another scheme altogether if they are questioning the performance.
​2: AMP Conservative Fund
As its name suggests, this fund invests in low-risk assets, with 76% allocated to income assets and 24% allocated to growth assets. Recent holdings included term deposits with ANZ bank, an NZ government bond and holdings in the overseas-focused Orbis Global Equity Fund (which invests in a range of leading international companies). 
  • Average annual net return since fund launch (2007): ~4%
  • Annual fee: 1.02%
  • Risk factor: 3
  • Fund objective: "To achieve modest to medium returns".
  • Suggested minimum investment timeframe: 2 years
  • Investment Composition: Cash and cash equivalents (23%), New Zealand fixed interest (25%), international fixed interest (28%), listed property (2.5%), Australasian equities (6%), international equities (14.25%), commodities (0.625%) and other alternative strategies (0.625%).

We say:
  • The AMP Conservative Fund is the second most conservative diversified fund that AMP offers, and goes beyond the Default fund with investments in listed property shares and emerging markets (such as Asia, Africa and South America). 
  • The diversity in investments, performance, the fees remain relatively high. Charging 1.02% p.a. to return around 4% on average makes it one of the more expensive conservative funds available to KiwiSaver members.
  • We're unsure why the fees are so high for such a fund that doesn't require active investment judgement. Most investments are held in the medium term, such as bank deposits and bonds, and any sharemarket investments are held through specialist funds managed by third parties. 
  • Just like AMP's Default fund, the Conservative fund has reported historically low to average returns and is best described as a wealth-protecting investment option.
3: AMP Moderate Fund 
​​This fund invests 63% of its assets into income-producing investments, such as international bonds and bank deposits, and 37% into growth investments, such as local and international shares. A recent investment included A2 Milk, which has been a top performer on the NZX stock exchange. The Moderate Fund is slightly more aggressive than the Conservative fund, and has performed marginally better since its launch. It charges a slightly higher fee as a result. 
  • Average annual net return since fund launch (2007): ~5%
  • Annual fee: 1.13%
  • Risk factor: 3
  • Fund objective: "To achieve modest to medium returns".
  • Suggested minimum investment timeframe: 4 years
  • Investment Composition: Cash and cash equivalents (18%), New Zealand fixed interest (21%), international fixed interest (24%), listed property (~3%), Australasian equities (11%), international equities (21.5%), commodities (0.75%) and other alternative strategies (0.75%).

We say:
  • The AMP Moderate Fund offers a low-risk investment with some exposure to growth assets, meaning day-to-day returns will vary if global markets are up and down.
  • Charging 1%+ p.a. to return around 5% on average makes it one of the most expensive Moderate funds available to KiwiSaver members.
4: AMP Moderate Balanced Fund 
A balanced fund is usually split between income-producing assets and growth assets. AMP's Moderate Balanced Fund targets a 53% (income) and 47% (growth) split, making it a 'middle of the range' fund. Growth assets have recently included funds from global investment managers GAM and Orbis, while income assets have included NZ government bonds and bank term deposits. This fund is designed to appeal to those who want to invest in a fund for the medium to long term that takes a risk on global sharemarkets.
  • Average annual net return since fund launch (2007): ~5%
  • Annual fee: 1.19%
  • Risk factor: 3
  • Fund objective: "To achieve medium returns".
  • Suggested minimum investment timeframe: 4 years
  • Investment Composition: Cash and cash equivalents (14%), New Zealand fixed interest (18%), international fixed interest (21%), listed property (~4%), Australasian equities (14.5%), international equities (27.25%), commodities (0.875%) and other alternative strategies (0.875%).

We say:
  • The fund would be popular for anyone wanting to invest half (53%) their money in 'low risk' cash-based assets, and half (47%) in growth assets.
  • The fees are high for what investors get - with over $700 million invested in the fund, it's a big moneymaker for AMP. And their Lifesteps program suggests the fund would suit investors aged 48 to 56. If you're younger, it may be a good idea to explore other options that can deliver returns more suited to your life stage.
  • The annual fee charged (1.19%) is higher than most actively managed balanced funds, and close to four times higher than index funds like the Simplicity Balanced fund.
5: AMP Balanced Fund​
AMP's Balanced Fund targets a 43% (income) and 57% (growth) asset split, making it slightly more growth-orientated than the Moderate Balanced fund above. Growth assets have recently included funds from global investment managers GAM and Orbis, shares in Spark and A2 Milk, while income assets have included NZ government bonds and bank term deposits. This fund is AMP's second-largest, with just under $1 billion invested. It is designed to appeal to those who want to invest in a fund for the medium to long term that takes a risk on global sharemarkets. Investors should expect movements up and down in their KiwiSaver balance in the short term.
  • Average annual net return since fund launch (2007): ~6%
  • Annual fee: 1.21%
  • Risk factor: 4
  • Fund objective: "To achieve medium returns".
  • Suggested minimum investment timeframe: 4 years
  • Investment Composition: Cash and cash equivalents (10%), New Zealand fixed interest (15%), international fixed interest (18%), listed property (4%), Australasian equities (16%), international equities (35%), commodities (1%) and other alternative strategies (1%).

We say:
  • Like the Moderate Balanced Fund, this fund would be popular for anyone wanting to invest half their money in 'low risk' cash-based assets, and half in growth shares.
  • Again, the fees are high for what investors get - with over $1 billion invested in the fund, it's another big moneymaker for AMP.
  • The Lifesteps program suggests the fund would suit investors aged 40 to 47. If you're younger, it may be a good idea to explore other options that can deliver returns more suited to your life stage.
  • The annual fee charged (1.21%) is higher than most actively managed balanced funds, and approximately four times higher than index funds like the Simplicity Balanced fund.
AMP KiwiSaver review
6: AMP Growth Fund
This fund invests up to 77% of its money in growth assets and is has around $750 million under management. Recent investments include shares in A2 Milk, Spark, Fisher & Paykel Healthcare, Auckland Airport and Contact Energy, and holdings in international growth funds such as the Orbis Global Equity and GAM Systematic Alternative Risk.
  • Average annual net return since fund launch (2007): ~7%
  • Annual fee: 1.24%
  • Risk factor: 4
  • Fund objective: "To achieve medium to high returns".
  • Suggested minimum investment timeframe: 7 years
  • Investment Composition: Cash and cash equivalents (6%), New Zealand fixed interest (7%), international fixed interest (10%), listed property (5%), Australasian equities (23%), international equities (46.5%), commodities (1.25%) and other alternative strategies (1.25%).

We say:
  • The fund is growth-focused, but doesn't perform as well as other growth funds per recent KiwiSaver comparison data supplied by the FMA.
  • The fund competes with actively managed funds like the Fisher Growth Fund and Milford Kiwisaver Active Growth Fund but charges more in fees and hasn't performed nearly as well in recent years. 
  • Again, the fees are very high for what investors get - with around $1 billion invested in the fund, it's another big moneymaker for AMP.
  • The Lifesteps program suggests the fund would suit investors aged 31 to 39. If you're younger, it may be a good idea to explore other options that can deliver returns more suited to your life stage.
  • The annual fee charged (1.24%) is higher than most actively managed balanced funds, and is four times higher than index funds like the Simplicity Growth fund.
7: AMP Aggressive Fund
This fund invests up to 87% of its money in growth assets and is AMP's most aggressive diversified fund. Like the AMP Growth Fund, its recent investments include shares in A2 Milk, Spark, Fisher & Paykel Healthcare, Auckland Airport, Contact Energy and Kiwi Property Group, and holdings in international growth funds such as the Orbis Global Equity and GAM Systematic Alternative Risk. Additionally, it held shares in Microsoft.
  • Average annual net return since fund launch (2007): ~8%
  • Annual fee: 1.35%
  • Risk factor: 4
  • Fund objective: "To achieve high returns".
  • Suggested minimum investment timeframe: 10 years
  • Investment Composition: Cash and cash equivalents (5%), New Zealand fixed interest (3%), international fixed interest (5%), listed property (7%), Australasian equities (24.50%), international equities (52.75%), commodities (1.375%) and other alternative strategies (1.375%).

We say:
  • AMP's most aggressive fund commands the highest fees, but to date hasn't delivered returns that arguably justified the costs. 
  • Lifesteps places anyone under 31 in this fund, suggesting it's most appropriate for driving growth while investors are young.
  • If you're after maximum growth, there are a range of alternative funds worth considering.
Other Funds
AMP Funds
The funds below are investment options that AMP also offers to investors. Their fees range from around 0.87% (AMP Cash Fund) to 1.68% (AMP Global Multi-Asset Fund).

​As these funds are far less popular with KiwiSaver members, we have not reviewed them in detail. 
  • AMP Responsible Investment Balanced Fund
  • AMP Global Multi-Asset Fund
  • AMP Income Generator Fund
  • AMP Cash Fund
  • AMP New Zealand Fixed Interest Fund
  • AMP International Fixed Interest Fund
  • AMP Australasian Shares Fund
  • AMP International Shares Fund
  • AMP Passive International Shares Fund
  • AMP Property Fund
ANZ Funds - read our review of ANZ KiwiSaver here
  • ANZ Conservative Fund
  • ANZ Balanced Growth Fund
  • ANZ Growth Fund

​ASB Funds - read our review of ASB KiwiSaver here
  • ASB Moderate Fund
  • ASB Balanced Fund
  • ASB Growth Fund

Mercer Funds - read our review of Mercer KiwiSaver here
  • Mercer Balanced Fund

NIKKO AM Funds - read our review of NIKKO AM KiwiSaver here
  • Nikko AM Conservative Fund
  • Nikko AM Balanced Fund
  • Nikko AM Growth Fund

AMP KiwiSaver review

AMP KiwiSaver in the News

Relevant media stories from 2017 onward highlight the following:

  • AMP has been one of the worst-performing providers. Over a 10-year history (2008-2018), it generated the lowest annual returns among conservative, moderate, balanced, growth, and aggressive classes. In all but the conservative option, its fees were above average. 
  • AMP's assets under management still grew to $5.43 billion as at September 30, from $5.08 billion at the start of the year. However, its market share shrank to 10.5 percent from 12.1 percent.
- How does your KiwiSaver fund stack up?, Newsroom.co.nz, October 2018

  • A new survey by Consumer NZ said most KiwiSaver Providers  all had a drop in their (customer service) ratings.
  • Only 36 percent of ASB customers were satisfied with the service, while AMP and ANZ also scored low at 37 and 41 percent.
- Low satisfaction rates for big-three KiwiSaver providers, RadioNZ.co.nz, April 2019

  • "The three worst-performing funds belonged to AMP KiwiSaver, with their Nikko AM Growth, ANZ Growth and LS Growth Fund moving down 1.98 per cent, 1.54 per cent and 1.29 per cent in the period respectively," researcher Christopher Walsh (MoneyHub.co.nz) said.
- All but four KiwiSaver growth funds lost money in past six months, Stuff.co.nz, December 2018

  • AMP is the fourth largest KiwiSaver provider, with around 230,000 KiwiSavers and around $5.2 billion of KiwiSaver money under management. But it's no longer interested in wealth management in New Zealand.
  • Should savers not like the direction AMP is taking, they can shift their account to another scheme.
- AMP era ends, impacting hundreds of thousands of Kiwis, Stuff.co.nz, October 2018

  • Giant KiwiSaver manager AMP has seen its market share fall as a result of poor investment performance, the latest Morningstar survey shows.
  • Its market share slumped from 13.7 per cent in 2014 to 11.7 per cent at the end of March, with its $1.3billion default fund ranked bottom of the performance charts compared to other similar funds on both three and five-year performance.
  • The cash, balanced, growth and aggressive funds from its "Lifesteps" range of funds were also ranked bottom, or close to the bottom of their sectors on three and five-year performance.
- Poor performance leads to AMP losing KiwiSaver market share, Stuff.co.nz, May 2017
AMP’s Response to Our Review:
AMP talked to MoneyHub and explained the reason for some of the points we’ve published, and recent enhancements. While we can’t verify the accuracy of their comments below, we wish to include it so you can see some of the efforts AMP is making to improve its KiwiSaver offering:
  • AMP offers one of the broadest range of choices of any provider, with a range of fees including one of the lowest default fund fees in the market. In the year to March 31, 2019, AMP switched close to 9,000 default customers to an active choice fund. This represents more than the inflow of around 7,000 new default customers in 2018. 
  • In addition, AMP consistently attempt to contact 100% of their customers within 20 days of joining to make an active choice about selecting the right AMP investment fund.
  • Despite relatively below-average returns since launching their KiwiSaver funds, performance over the longer term is improving as a result of changes made to the investment approach for AMP Capital managed funds in 2015.

AMP KiwiSaver review

Who is the AMP KiwiSaver Scheme Suited To?

Our view is that there are far superior KiwiSaver schemes out there, and we don't see a lot of merit on what AMP offers. High fees and historic low returns (see this NZ Herald article) suggest that the scheme will disappoint investors.
​
Pros
  • A wide selection of funds - no KiwiSaver provider offers more.
  • Investments are diversified and include cash deposits, NZ government bonds and NZ corporate bonds, New Zealand shares and global equities.
  • Lifesteps offers investors a range of age-related funds, automatically investing younger investors into growth assets and, conversely, older investors into wealth-protecting income assets.
  • AMP offers a responsible investment fund, which combines financial analysis with a sustainability focus.
  • Investors have access to a mobile digital app called My AMP which keeps track of individual AMP KiwiSaver scheme accounts.

Cons
  • Recent data from our KiwiSaver comparison tool, which uses Financial Markets Authority data, reported many AMP funds as having low to average performance, relative to their competitors. Stuff.co.nz published a story that this was a long-term issue. 
  • The funds also have relatively high management fees, which directly reduce the growth potential of savings.

Be aware:
  1. As with any investment, markets go up and down. The Dotcom bubble in the early 2000s sank global sharemarkets, as did the 2008 Global Financial Crisis. While many global sharemarkets are now at record highs, this is no guarantee of future earnings.
  2. AMP's default fund, the Default Fund, lacks growth potential, given its low exposure to shares (20% of the portfolio). This means unaware savings are likely to lose out on potential returns by staying with the default option.

AMP KiwiSaver review

8 things to know about the AMP KiwiSaver scheme

AMP KiwiSaver review

AMP is one of the largest KiwiSaver schemes

AMP was one of the first KiwiSaver schemes to market back in 2007, and has over 230,000 members with more than $5 billion invested, or just over 10% of all KiwiSaver investments. Yet, bigger isn't always best, and AMP has been criticised repeatedly for over-charging and under-performing when compared to other KiwiSaver schemes. 
​
AMP KiwiSaver review

No matter what your employer's default KiwiSaver provider or fund is, you are entitled to select AMP as your KiwiSaver scheme

Your employer may offer another KiwiSaver provider as their preferred provider, but you are free to choose AMP KiwiSaver as your provider if you feel it's right for you.

In AMP KiwiSaver by default?
  • If you join the AMP KiwiSaver Scheme through a preferred provider arrangement then it is likely you will be defaulted into Lifesteps. This is because most employers have chosen Lifesteps as the "default" option and not the Default fund. 
  • If you did not make a specific choice when signing up to KiwiSaver, you could be enrolled in the AMP KiwiSaver Default fund. Currently, this fund is larger than any other AMP KiwiSaver fund (around $1.4 billion), and has one of lowest fees but also has a conservative investment approach. Historically, it has reported the third-lowest returns.
​
AMP KiwiSaver review

Like most providers, AMP charges two fees, and there is no minimum investment

No matter what your fund is, as an AMP KiwiSaver member, you'll pay a streamlined fee:
  • Between 0.41% and 1.42% of your KiwiSaver balance per year, depending on your fund, which represents the management and administration fees.
  • $23.40 per year ($1.95 per month), which is the membership fee for being in the AMP KiwiSaver Scheme.

If you want to contribute to your fund at a level above your fixed salary contribution, you can do this via the online banking or manually by contacting the client services team. If you stop contributing, you will still pay both fees. 

AMP KiwiSaver review
AMP KiwiSaver review

Dividends your fund receives are reinvested, meaning more cash is invested on your behalf

Many of the AMP KiwiSaver funds invest in shares, and many will pay dividends. These cash payments represent the profits from companies returning it to the shareholders, i.e. you. When a company declares a dividend, your fund will receive money, and it is re-invested into more shares, growing the value of your fund. Despite being a cash payment, and as is the case with ALL KiwiSaver funds, there is no option to take this money as cash until you turn 65. 
AMP KiwiSaver review

All of AMP's KiwiSaver funds are actively managed, but specific investment objectives are not published

While some KiwiSaver funds have specific objectives stating that they will make decisions with the aim of beating certain market indices by a particular percentage, AMP doesn't make such claims. Instead, they state that a fund's objective will be to achieve "medium", "modest" or "high" returns. The fund updates explain the performance in detail.

All of the funds This means the funds are actively managed - each fund has its own key personnel, tasked with the responsibility of portfolio management and analysis. AMP will then select specific investments it sees as undervalued, anticipating that in time, the value of the investment will grow and ultimately make a profit for the fund.

How does this work in practice?
  • Each AMP fund and its investment team follows the agreed-upon target investment mix. For example, the target of listed property investments in the AMP Aggressive Fund is 7%.
  • This allows the fund manager to invest up to 7% of the fund in assets that fall within the category of 'listed property'.
  • The manager can use all of the allocation on one listed property company, or diversify into many investments (which is what happens in practice). As listed property is not without its risks, investment managers will diversify and purchase many different listed property companies.
  • A recent report into the holdings of the AMP Aggressive Fund shows an investment in Kiwi Property Group, and there may be others beyond that.
  • As market conditions change, the investment manager buys and sells individual investments as they see fit.
  • Remember, past fund performance is no guarantee of future results; what you ultimately invest in will be determined by your level of comfort with a fund.
​
AMP KiwiSaver review

​Signing up to AMP isn't complicated, and you can pick more than one fund

Signing up to the AMP scheme is easy, and you can create your own portfolio of investments by choosing any combination of the funds. This means you can allocate 20% of your money to one fund, 40% to another, and 10% to another two, giving you diversity. But if this doesn't interest you, you can select one of the 25+ funds AMP offers. 

If you don't select any fund or funds, your contributions will be invested in AMP Lifesteps fund that corresponds to your age. Generally, if you're looking for a safe investment with the lowest risk of seeing your original investment fall, a conservative or default fund could be a suitable option. But many investment professionals would suggest being in a conservative fund for the long term. If you're looking for a higher return and are prepared to have your money in higher-risk investments which could fall in value, balanced and growth funds operate in this manner. 

Generally, if you want to grow your KiwiSaver fund for the long-term, and unless you're risk-averse, the AMP Default fund isn't likely to make you high returns. Share investments are limited to a 20% target, meaning 80% of the money sits in bank accounts, low-interest bonds and other fixed-interest. 

If you are in this fund and would prefer a more aggressive fund, you have the option to switch free of charge, either to another AMP KiwiSaver fund, or any other KiwiSaver fund operated by another scheme.

If you're not sure of what to invest in and want to have a range of options to pick from, look at MoneyHub's KiwiSaver fund comparison tool which includes all AMP funds.
AMP KiwiSaver review
AMP KiwiSaver review

The performance data is easy to follow, and updated regularly

​Fund performance details are published on the AMP website every three months. Unit prices, which track the performance, are updated daily. And, as a member, you can also check a fund balance 24/7 by logging in to the AMP website or downloading the MyAMP mobile app.
​
AMP KiwiSaver review

AMP makes a lot of news...

AMP frequently appears in the media for all the wrong reasons. Many journalists and financial commentators see it as an under-performing scheme. No other scheme offers more funds, but it's almost certain that better deals are found elsewhere in KiwiSaver.

AMP KiwiSaver review

Our Conclusion​

  • AMP KiwiSaver does not have a good reputation when it comes to fund performance, customer service and fees.
  • AMP has an enormous number of funds to pick from, but better deals for similar investments can be found elsewhere. ​
  • In late 2018, the Herald reported "AMP has been one of the worst performing providers. Over a 10-year horizon it generated the lowest annual returns among conservative, moderate, balanced, growth, and aggressive classes. In all but the conservative option, its fees were above average." We believe this sums up the scheme's offering overall.
  • The fund choice may be large, but customers are aware of the scheme's limitations - a Stuff.co.nz article, Poor performance leads to AMP losing KiwiSaver market share, suggests the scheme is losing market share as people switch to better funds. 

Do you have experience with AMPs KiwiSaver scheme that you would like to share with our readers? Email our research team who would be delighted to hear from you. 
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