MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest 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
        • US Extended Hours Trading Explained
        • 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 the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • 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
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • 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
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed 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
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding 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
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • 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
          • Stablecoins
          • 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
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • 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
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green 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
      • The Dangers of Debt Consolidation
      • 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
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • 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
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • 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
        • BMI Calculator New Zealand
      • 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
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX 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
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways 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
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • 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
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • 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
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • 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
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • 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 on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • 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
      • Interest Deductibility Changes
    • 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
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • 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
      • Merging KiwiSaver and Australian Super Balances
      • 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
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter 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
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • 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
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • 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
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • 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 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • 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
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • 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
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • 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
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • 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
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • 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
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
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  • Banking & Savings
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  • KiwiSaver
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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Our Favourite ESG Funds - Top-Performing and Low-Fee Options

We outline the top-performing ESG funds and ETFs. ESG funds allow New Zealanders to invest sustainably without the need to choose between a better world and post-tax returns.
Best ESG Funds NZ
Updated 17 July 2024

Summary
  • New Zealanders are increasingly concerned about investing with ESG factors (environmental, social and governance) in mind. 
  • The number of ESG-focused investments options continues to increase, with ESG opportunities in index funds, KiwiSaver, managed funds and ETFs - we outline what's available below.
  • How profitable ESG funds are and how 'ethical' a fund is, has never been more transparent with resources such as Mindful Money, Sorted's Smart Investor tool, and Morningstar. 
  • Our research has shown that some ESG funds have performed better than their traditional counterparts.
  • If you want to know what's on offer, our best overall ESG funds and low-fee ESG funds tables have you covered. 
  • The number of ESG funds continues to increase, and we update this guide regularly.
  • The fund returns are shown as after fees but before tax.

Know this: Not all ESG funds are of the same "standard" when it comes to exclusions.
  • One fund may "consider" ESG factors in their investing decisions, while another may have numerous exclusions upfront before "considering" other factors.
  • We would argue that Booster and Pathfinder go quite a lot further than most with regards to the number of exclusions they have.
  • Only a handful of fund managers are RIAA certified - AMP Capital Investors, Booster, Harbour, Kiwi Wealth, MAS, Mercer and Pathfinder.
  • Generally, an ESG fund will exclude companies involved with alcohol production, gambling, tobacco, military weapons, firearms, Nuclear power, fossil fuels, adult entertainment and genetically modified organisms (GMOs), among other things.

Our guide covers:
  • What is an ESG Fund?
  • Best Overall: Top Performing KiwiSaver ESG Funds, Managed ESG Funds, ESG ETFs (US-Listed) and Other Options
  • How to Choose the Best ESG Funds For You
  • What's the Easiest Way to Invest Responsibly?

Disclaimer: Some of the products featured in our guide are from commercial partners who work with MoneyHub. Such arrangements do not influence our evaluations, and we use Morningstar and Forbes data to disclose each fund's returns. Our advertising policy has more details.

The information provided is for educational purposes only and is not financial advice (general or specific to any situation). MoneyHub does not offer investment services, nor does it recommend or advise readers to buy or sell any fund, share or other investment product.

MAS KiwiSaver

Your free guide to the Best ESG Funds, thanks to MAS.

MAS sponsors our guide to Ethical Investing/Best ESG Funds. The MAS KiwiSaver Scheme has more than $1 billion in funds under management and has a track record of above-market performance for its growth orientated funds. In addition, the seven funds in the MAS KiwiSaver Scheme are responsible investment-certified by the RIAA and MAS is a signatory to UNPRI.

MAS' funds are also recognised and endorsed by Mindful Money,  MAS is trusted by more than 40,000 people across its insurance and investment products from all over New Zealand, and MAS established and funds the MAS Foundation - tackling health inequity in our communities.

Medical Funds Management Limited is the manager and issuer of the MAS KiwiSaver Scheme. A copy of the Product Disclosure Statement (PDS) is available on the MAS website.
VISIT MAS

Best ESG Funds NZ

What is an ESG Fund?

An ESG fund is a fund that meets ESG (environmental, social and governance) principles. For example, the fund will have an investment strategy to buy shares in companies with a sustainable and social focus. For example, they may be companies focused on zero-carbon emissions, using renewable resources and/or enabling diversity in their human resources.

Importantly, ESG funds are just like other managed funds or index funds - they invest in dozens or up to thousands of individual companies. This means the risks (and returns) are diversified so that if one company performs poorly, your fund won't be adversely affected.

What are the benefits of ESG funds?

There is a belief that ethical companies who embody ESG principles will care about the environment they operate in and have the highest behavioural standards, will, generally, function better financially. Specifically, such companies are more likely to have a long-term growth focus, build solid foundations and are less likely to be mismanaged or involved in scandals. 

To back this belief up, a 2019 study by Morgan Stanley compared the returns of 11,000 managed funds between 2004 to 2018 and concluded that there is no trade-off between traditional funds and ESG funds. Best of all, ESG funds were found to be a lower risk investment.

Many New Zealanders, aware of ESG investing and the problems of funds that invest in weapons (due to media reports) are looking to include ESG funds as part of their investment portfolio.

Best ESG Funds NZ

1. Best Overall: Top Performing ESG KiwiSaver Funds

We have relied on data from Morningstar to shortlist five trusted and long-term performing KiwiSaver options you may want to consider. This list is not an endorsement of these funds. 

We appreciate that assessing a fund's credibility requires more than just short-term performance data, so we've focused on long-term performing funds.​

Booster KiwiSaver SRI High Growth Fund

Booster KiwiSaver SRI High Growth Fund
  • Management Fee: 1.32% p.a.
  • ​Fund overview: The Socially Responsible Investment High Growth Fund invests predominantly in growth assets, with little or no income assets.
  • Investments: Companies the fund invests into include Microsoft, Fisher & Paykel Healthcare, Vanguard (international property fund) and Auckland International Airport.
  • More details: Booster Ethical Investing Funds

MAS Kiwisaver Global Equities Fund

MAS KiwiSaver Responsible Investing
  • Management Fee: 0.99% p.a.
  • ​Fund overview: The Global Equities fund operates exactly as its name suggests, investing only in shares, both local and international.
  • Investments: Recent holdings include Microsoft, Mainfreight and Alphabet, as well as some sector ETFs.
  • More details: MAS KiwiSaver Responsible Investing Funds

MAS Kiwisaver Aggressive Fund

MAS KiwiSaver Responsible Investing
  • Management Fee: 0.99% p.a.
  • Fund overview: This MAS fund invests 90% of its money into shares - it's aggressive, but not as aggressive as the Global Equities fund (above).
  • Investments: Recent holdings include Microsoft, Mainfreight and Alphabet, as well as some sector ETFs.
  • More details: MAS KiwiSaver Responsible Investing Funds

Booster KiwiSaver SRI Balanced Fund

Booster KiwiSaver SRI High Growth Fund
  • Management Fee: 1.26% p.a.
  • ​Fund overview: The Socially Responsible Investment Balanced Fund invests in a balanced mix of income assets and growth assets.
  • Investments: Companies the fund invests into include Microsoft, Fisher & Paykel Healthcare, Vanguard (international property fund) and Auckland International Airport.
  • More details: Booster Ethical Investing Funds

Pathfinder KiwiSaver Growth Fund

Pathfinder KiwiSaver Growth Fund
  • Management Fee: 1.29% p.a.
  • ​Fund overview: The Pathfinder KiwiSaver Growth Fund has a higher exposure to growth assets and a lower exposure to income assets.
  • Investments: Companies the fund invests into include Microsoft, Telstra, Spark and Oceania Healthcare.
  • More details: Pathfinder KiwiSaver Growth Fund 

Pathfinder KiwiSaver Balanced Fund

Pathfinder KiwiSaver Growth Fund
  • Management Fee: 1.17% p.a.
  • Fund overview: The Pathfinder KiwiSaver Balanced Fund has a higher exposure to growth assets and a lower exposure to income assets.
  • Investments: Companies and assets the fund invests into include bonds, cash deposits and ESG companies such as Microsoft.
  • More details: Pathfinder KiwiSaver Balanced Fund

Simplicity KiwiSaver Growth Fund

Simplicity ESG Funds Review
  • Management Fee: 0.25% p.a.
  • ​Fund overview: Simplicity's growth fund is similar to many other index-based growth funds offered by the banks and specialist fund managers and invests in leading growth companies.
  • Investments: Companies the fund invests into include Vanguard Ethically Conscious funds, Ryman Healthcare, Meridian Energy and Fisher & Paykel Healthcare.
  • More details: Simplicity KiwiSaver review

2. Best Overall: Top Performing ESG Managed Funds

To present the best ESG funds, we have relied on performance data from Morningstar and selected funds that are marketed and meet ESG standards. Based on this analysis, we present the top five ESG funds. Please be aware, past performance is not a reflection of future results, and MoneyHub does not recommend or endorse any of the funds listed.

Furthermore, the list compares single sector/thematic funds (e.g., the Pathfinder Water fund) with multisector funds (e.g., the Booster High Growth Fund), which isn’t a like-for-like comparison. As more ESG funds are introduced, we will expand our coverage and separate thematic and multisector funds accordingly.

Pathfinder Global Responsibility Fund

Pathfinder Ethical Funds
  • Management Fee: 0.93% p.a.
  • ​Fund overview: The fund invests in global equities that satisfy Pathfinder’s socially responsible screening. It achieves this by investing in Pathfinder’s wholesale Responsible Investment Fund which targets a portfolio of 200 stocks.
  • Investments: Companies the fund invests into include LAM Research, Digital Realty, Equinix, Microsoft Corporation and Shopify.
  • More details: Pathfinder Global Responsibility Fund

Pathfinder Global Water Fund

Pathfinder Ethical Funds
  • Management Fee: 1.30% p.a.
  • Fund overview: The fund invests directly in companies involved in the water industry that satisfy Pathfinder’s socially responsible investment screening. The fund targets a portfolio of 50 to 100 water stocks that are listed in developed markets.
  • Investments: Companies the fund invests into include Xylem, Waters Corp, American Waters Works, Masco Corp, Veolia Environment.
  • More details: Pathfinder Global Water Fund

Booster Socially Responsible High Growth Fund

Booster Ethical Funds
  • Management Fee: 2.95% p.a.
  • ​Fund overview: Booster's Socially Responsible High Growth Fund fully invests in a diversified portfolio of capital growth assets with little or no allocation to income-generating fixed interest securities.
  • Investments: Companies the fund invests into include Microsoft Corporation, Roche, NVIDIA, The Home Depot and PepsiCo.
  • More details: Booster Ethical Investing Funds

Booster Socially Responsible Balanced Fund

Booster Ethical Funds
  • Management Fee: 2.76% p.a.
  • ​Fund overview: Booster's Socially Responsible Balanced Fund invests in a diversified portfolio of income-generating fixed interest securities, combined with a similar exposure to capital growth asset
  • Investments: Companies the fund invests into include Microsoft Corporation, Roche, NVIDIA, The Home Depot and PepsiCo.
  • More details: Booster Ethical Investing Funds

3. Best Overall: Top Performing ESG ETFs (US-Listed)

There are hundreds of ETFs that track companies that meet positive environmental, social and governance (ESG) characteristics, with most listed in the US. Hatch, Stake, Tiger Brokers (NZ) and Sharesies are the most popular platforms for New Zealanders to invest directly in the US markets. Returns are shown as After Fees/Before Tax.

Because of the volume of ESG funds, we have relied on data from Forbes' top ESG funds to shortlist five top-performing options you may want to consider. Please note, Forbes excludes funds without at least three years of performance data. We have used five-year returns as these ETFs are long established.

Please be aware, ETFs are bought and sold like shares, and their price can change multiple times per day and trade fees may be charged when you buy/sell an ETF. Funds, however, are bought directly from the manager or via a financial advisor or broker and rarely have a trade fee.

Vanguard FTSE Social Index Fund (VFTAX)

vanguard best ESG funds
  • Management Fee: 0.14% p.a.
  • ​Fund overview: The Vanguard FTSE Social Index Fund tracks the FTSE4Good US Select Index. The companies invested in exclude "vice products" (adult entertainment, alcohol, gambling, tobacco), non-renewable energy and weapons (civilian firearms, controversial military weapons, conventional military weapons), as well as companies participating in “controversial conduct and diversity practices.”
  • Investments: Companies the fund invests into include Apple, Microsoft, Amazon.com, Facebook and Alphabet.

iShares MSCI USA ESG Select ETF (SUSA)

ishares best ESG funds
  • Management Fee: 0.25% p.a.
  • ​Fund overview: The iShares MSCI USA ESG Select fund tracks the MSCI USA Extended ESG Select Index, which excludes (or limits exposure) to companies in industries such as tobacco, alcohol, gambling, nuclear power and controversial weapons.
  • Investments: Companies the fund invests into include Apple, Home Depot, Microsoft, Facebook and Alphabet.

Parnassus Core Equity Investor (PRBLX)

Parnassus best ESG funds
  • Management Fee: 0.87% p.a.
  • ​Fund overview: Parnassus Core Equity Investor, unlike most ESG ETFs, is actively managed. Its management avoids investments in companies involved in alcohol or tobacco, weapons, gambling, nuclear and fossil fuels.
  • Investments: Companies the fund invests into include Microsoft, Applied Materials, Deere & Co, Comcast and Amazon.com.

iShares Global Clean Energy ETF (ICLN)

ishares best ESG funds
  • Management Fee: 0.46% p.a.
  • ​Fund overview: The fund is volatile and follows the S&P Global Clean Energy Index, which is made up of thirty companies involved in “clean energy-related businesses".
  • Investments: Companies the fund invests into include Plug Power, Enphase Energy, Verbund, Siemens Gamesa Renewable Energy and Orsted A/S.

Shelton Green Alpha Fund (NEXTX)

Shelton best ESG funds
  • Management Fee: 1.28% p.a.
  • ​Fund overview: This actively managed fund selects green economy companies that fund management believes work “to improve human well-being and increase economic efficiencies, while significantly reducing environmental risks and ecological scarcities.”
  • Investments: Companies the fund invests into include Tesla Inc, Brookfield Renewable, Vestas Wind Systems, JinkoSolar and Moderna.

4. New ESG Funds, ETFs and Other Options

In addition to the above KiwiSaver, managed funds and US-listed ETF ESG investments, there are other options:

1. Kernel Wealth - an index fund manager who launched three ESG funds in mid-2021. As they are new funds, we've not stated their performance; the (external) links below outline each fund's index return for the last five years.
  • NZ 50 ESG Tilted - This fund invests in global real estate companies with weighting towards sustainable practices. 
  • Global Green Property - This fund includes and adjusts companies in the S&P/NZX 50 according to sustainability factors.
  • S&P Global Clean Energy - This fund invests in global companies involved in the production or provision of Clean Energy.

2. Smartshares - a NZD-based ETF manager with five ESG ETFs which launched in 2020. We've not stated their performance; the (external) links below outline each fund's fees and recent returns.
  • Emerging Markets Equities ESG ETF
  • Europe Equities ESG ETF
  • Global Equities ESG ETF
  • Japan Equities ESG ETF
  • US Equities ESG ETF

MAS KiwiSaver

Your free guide to the Best ESG Funds, thanks to MAS.

MAS sponsors our guide to Ethical Investing/Best ESG Funds. The MAS KiwiSaver Scheme has more than $1 billion in funds under management and has a track record of above-market performance for its growth orientated funds. In addition, the seven funds in the MAS KiwiSaver Scheme are responsible investment-certified by the RIAA and MAS is a signatory to UNPRI.

MAS' funds are also recognised and endorsed by Mindful Money,  MAS is trusted by more than 40,000 people across its insurance and investment products from all over New Zealand, and MAS established and funds the MAS Foundation - tackling health inequity in our communities.

Medical Funds Management Limited is the manager and issuer of the MAS KiwiSaver Scheme. A copy of the Product Disclosure Statement (PDS) is available on the MAS website.
VISIT MAS

Best ESG Funds NZ

How to Choose the Best ESG Funds For You

Deciding to invest in ESG funds adds some extra considerations you may not have when picking more conventional funds, which we outline below to help you make the right decision.

1. Costs vs Returns
  • Actively managed funds exist to try and beat the returns of a sharemarket index. Unfortunately, this doesn't always work out, and the returns after deducting the costs from running the fund (charged in management fees) may be lower than an index fund.
  • Index funds and ETFs follow a specific market index and have low management fees as there are no analysts and investment managers. 

2. Fund Availability
  • Outside of US ESG ETFs, of which there are dozens, New Zealand has limited active and index-based ESG funds.
  • Pathfinder and Booster are, arguably, the most prominent ESG-specific active managers.
  • Index funds from Simplicity and the newly-launched ESG funds from Kernel are also popular. New Zealand-based ETFs are available from Smartshares. 
  • Whether actively managed or index-based funds/ETFs are suitable for you depends on your investment goals, time frame, and experience. Generally, ESG products (funds and ETFs) are seen as long-term wealth creation investments. 

3. Ask yourself - does this ESG investment have an impact?
  • There is a big difference between a fund that excludes undesirable companies (operating casinos, manufacturing weapons, extracting fossil fuels etc.) and investments with a mission to do "the right thing".
  • For example, if you want to invest in companies that have diversity and inclusion initiatives, finding a fund that invests in such companies will be a priority.
  • Alternatively, if you want to invest in renewable energy, you should look for a fund investing in companies that operate wind, hydro and/or solar electricity generation etc.
  • If you value clean water, look for a fund that invests in water resources. Want to be carbon-neutral? Look for a fund that invests in carbon-neutral companies.
  • In any case, the benefits of the fund may outweigh the higher management fees that come with a higher-impact investment.

4. Evaluate your existing investments before buying into an ESG fund or ETF
  • The risk with ESG investing is that you become over-exposed to a particular asset class or industry.
  • Before investing, look at your current portfolio of funds and shares and make sure you're not concentrated in one area. For example, a KiwiSaver fund that follows the NZX50 is typical, but if you have non-KiwiSaver index funds that track the NZX50 and are now considering an ESG NZX50 fund, you may be over-exposed to the New Zealand sharemarket.
  • There are plenty of funds and ETFs available; don't rush in before making sure you'll be diversified. 
 
5. Ask about an impact report from now on
  • It's all very well to invest in a fund or ETF, but it's hard to see if your money is making any difference without knowing the impact.
  • An impact report should cover the carbon emissions, the gender mix on the board of directors, charitable donations etc.
  • It may be problematic to aggregate for a fund with dozens of investments, but such documentation is the best way to understand the impact.

Best ESG Funds NZ

What's the Easiest Way to Invest Responsibly?

Popular options include investing in a fund and/or in an ETF. We have listed popular options below, but do not endorse any fund or investment option.

Know This: Respected active managers like Pathfinder and Booster have management fees greater than 1% p.a. for their ESG funds. We understand many New Zealanders who are concerned about the impact of their investments are comfortable paying such fees to a portfolio aligned with their values. However, low-fee ESG funds are widely available with Simplicity Investment Funds and Kernel. Low-cost ESG funds are most likely to be index-based - you can read about index funds, why they are cheaper and their pros and cons here.
Investment Manager (Active or Index Investing)
ESG Offering
ESG KiwiSaver Funds Offered?
Further Details
Booster (Active)
Actively managed SRI funds that invest based on in-depth analysis and ESG factors to help us assess investment opportunities.
Yes
Booster KiwiSaver Review
Pathfinder (Active)
Actively managed, high performing, low-carbon funds focusing on water, energy and other strategic investments.
Yes
Pathfinder KiwiSaver Review
​
Pathfinder Funds (external site)
Kernel Wealth (Index)
Index funds favoured by the world's most sophisticated investors, with a New Zealand and US focus.
Yes
Kernel Wealth Review
Simplicity (Index)
Low-fee index fund manager adhering to the Principles of the UN Global Compact.
Yes
Simplicity KiwiSaver Review
Simplicity Investment Funds Review
Salt Funds Management
(Active)

Salt is the manager of the Carbon Fund and other sustainably focused funds.
No
Salt (external website)
SuperLife/Smartshares (Index)
SuperLife (KiwiSaver) and Smartshares (ETFs) are low-fee index investments run by the NZX offering ESG funds.
Yes
SuperLife Review (KiwiSaver)
Smartshares
Review (ETFs)
Harbour Asset Management (Active)
Harbour's team focuses on Australian and New Zealand companies with a focus on social, environmental and governance performance.
No
Harbour (external website)
Mint (Active)
Mint offers the New Zealand SRI Equity Fund, a single asset class fund, which typically invests in New Zealand listed equities.
No
Mint (external website)
AMP Capital (Active)
AMP offers a variety of ESG funds, managed by specialists such as Mercer, Harbour and others.
Yes
AMP KiwiSaver Review
Mercer (Active)
Mercer's global research team focuses on ESG factors in the investment process for its KiwiSaver funds.
Yes
Mercer KiwiSaver Review

Further Reading - Mindful Investment Funds

Mindful Money has listed a number of investment funds that meet its high ethical standards, supported by credible verification. The funds avoid many companies of concern, and/or invest in companies with higher standards. You can find out more about Mindful Money's approach here.

MAS KiwiSaver

Your free guide to the Best ESG Funds, thanks to MAS.

MAS sponsors our guide to Ethical Investing/Best ESG Funds. The MAS KiwiSaver Scheme has more than $1 billion in funds under management and has a track record of above-market performance for its growth orientated funds. In addition, the seven funds in the MAS KiwiSaver Scheme are responsible investment-certified by the RIAA and MAS is a signatory to UNPRI.

MAS' funds are also recognised and endorsed by Mindful Money,  MAS is trusted by more than 40,000 people across its insurance and investment products from all over New Zealand, and MAS established and funds the MAS Foundation - tackling health inequity in our communities.

Medical Funds Management Limited is the manager and issuer of the MAS KiwiSaver Scheme. A copy of the Product Disclosure Statement (PDS) is available on the MAS website.
VISIT MAS

Related Guides
  • Ethical Investing
  • Favourite KiwiSaver Funds
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  • Stake Review
  • Sharesies Review
  • Tiger Brokers (NZ) Review
  • Interactive Brokers Review
  • Jarden Direct Review
  • ASB Securities Review
  • ​Mindful Money (external website)
  • Forbes (Best ESG funds, external website)
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  • Loans & Finance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Building a House
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  • KiwiSaver
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    • KiwiSaver Calculators
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Car Dealerships Explained
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
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  • Mobile & SIM
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    • Apple Watch Buying Guide
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    • Best iPhone Plans
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  • Broadband
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    • Internet Speed Test
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  • Power
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    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
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      • Nova Energy Review
      • Powershop Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
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      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
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    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
      • Charities in New Zealand
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
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      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
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    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
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      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
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      • Salary Sacrifice in New Zealand
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      • Choosing an Accountant
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  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
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        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
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