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
        • Kernel Shares & ETF Investing 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 101
        • 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
        • Shares vs Property Investment
        • 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
        • 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 Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • 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
      • Money Sweetspot 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
        • Cove Car Insurance - Real Customer Reviews & Facts
        • 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
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • 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
      • Interest Rate Predictions 2025
      • 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
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • 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
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • 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
      • Attending the Singapore FinTech Festival
  • 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
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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Kiwi Wealth KiwiSaver Scheme Review

Kiwi Wealth KiwiSaver review
​Updated 26 July 2019

Summary of Kiwi Wealth KiwiSaver
  • Funds: Kiwi Wealth offers KiwiSaver members the choice of five funds, with over $4 billion under management. The funds range from low-risk cash, default and balanced funds, to a higher-risk growth fund.
  • Management: All of the funds are actively managed by a fund manager, which increases fees compared to index-based funds such as Simplicity of Superlife.
  • Performance: The latest fund performance from our KiwiSaver comparison tool shows Kiwi Wealth's funds lagging behind other funds when it comes to Balanced and Growth-type funds. To put this in dollar terms, a 1% or 2% difference in annual fund performance at the age of 35 can cost tens of thousands of dollars (or more) by the time you hit retirement for an average KiwiSaver member. 
  • Fees: Kiwi Wealth announced a fee reduction in April 2019, and is committed to lowering the fees of the Conservative fund and Balanced fund due to "sufficient scale and with greater efficiencies". Further to this, Kiwi Wealth does not charge a membership fee; instead, you pay either a minimum of $40, or up to 1% of your balance per year, whichever one is higher. There are no joining fees or exit fees if you take your money to another fund, or switch funds within Kiwi Wealth. 
  • No Performance Fees: There are no performance fees, despite the funds being actively managed. Many KiwiSaver fund managers take a bite of any market-beating returns - Kiwi Wealth does not.
  • ​Ownership: Kiwi Wealth started life as Gareth Morgan Investments (GMI), before Kiwi Group purchased the company and re-branded it in 2014. Today, the six funds are managed actively by Kiwi Wealth investment managers, and Gareth Morgan has no involvement whatsoever. Kiwi Wealth is a subsidiary of Kiwi Group Ltd, the owner of Kiwibank. The ultimate owner of Kiwi Wealth is NZPost, ACC and the NZ SuperFund (all interests are government-owned).
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 Kiwi Wealth 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. 
​
Our Review
In this guide, we outline what the Kiwi Wealth 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 Kiwi Wealth as a KiwiSaver investment option.
​
This Guide covers:
  • The Specs of Kiwi Wealth KiwiSaver Funds, Fees and Where Your Money Is Invested
  • Kiwi Wealth in the News
  • Who is Kiwi Wealth KiwiSaver Suited to?
  • The Bottom Line
  • 9 Things To Know About Kiwi Wealth KiwiSaver
  • Conclusion​

Kiwi Wealth KiwiSaver review

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

  • The scheme is managed by Kiwi Wealth Limited. Kiwi Wealth is a sister company of Kiwibank,.
  • Up-to-date fund performance data is available on the Kiwi Wealth website.
  • Each of the five 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. 
​1: Kiwi Wealth Cash Fund
This fund invests solely in income assets of a short term nature such as bank deposits, floating rate notes and money market securities with New Zealand-registered banks.
  • Average annual net return since fund launch (2012): ~2%
  • Annual fee: 0.45%
  • Risk factor: 1
  • Expected annual return: To exceed the returns you would receive from investing 100% of your funds in New Zealand cash
  • Suggested minimum investment timeframe: no minimum (as this is cash-based fund, there is very little risk of any investments falling in value)
  • Investment Composition: Cash and cash equivalents 100%

We say: The Cash Fund is the most conservative Kiwi Wealth fund, with the aim of providing stable returns over the short term, investing 100% of the fund into cash products such as term deposits and on-call accounts. The Cash Fund historically offers the lowest fees and reports the lowest historical return among all the Kiwi Wealth funds.
2: Kiwi Wealth Default Fund
​
This fund invests in some shares (local and international), while its primary focus is on cash and fixed interest investments (i.e. bank deposits and bonds).
  • Average annual net return since fund launch (2014): ~4%
  • Annual fee: 0.52%
  • Risk factor: 3
  • Expected annual return: To deliver a benchmark return similar to being invested in a fund of 50% in New Zealand cash, 30% in New Zealand fixed interest assets and 20% in shares and other growth assets
  • Suggested minimum investment timeframe: 1-3 years
  • Investment Composition:  15% to 25% shares and other growth assets, with 65% to 75% allocated to fixed interest assets.

We say: The Default Fund is low-growth focused, with a maximum of 25% of money invested into shares. Recent investments include cash deposits with other banks, bank bonds (NZ and overseas) and NZ government debt. Despite performing better than Kiwi Wealth's cash-focused funds, the Default fund has lower fees.
​3: Kiwi Wealth Conservative Fund
This is Kiwi Wealth's middle of the road fund, with a target to invest 70% of money into cash-based assets (bank deposits, term deposits etc) and 30% into growth assets, such as international shares. This fund is designed for those not wanting to be overly exposed to global sharemarket movements, but at the same time don't want to miss out on the benefits from increasing share prices, although exposure is limited.
  • Average annual net return since fund launch (2007): ~4.00%
  • Annual fee: 0.86%
  • Risk factor: 3
  • Expected annual return: To exceed the returns you would receive from investing 70% of your funds in New Zealand fixed interest assets and cash, and 30% in global shares
  • Suggested minimum investment timeframe: 3 to 5 years

We say: Kiwi Wealth's Conservative Fund stays relatively risk-free by allocating up to 100% of the fund to safe, income-producing assets such as bank deposits, company and government bonds. The fund fees are in line with many other KiwiSaver conservative funds, but better value (and historically better-performing funds) may be worth considering.
4: Kiwi Wealth Balanced Fund
This fund allocates up to 70% of money into growth assets (international and New Zealand shares), and up ~30% in low-risk investments such as term deposits. The fund is designed for long-term investment and to take advantage of the reliability of income-producing assets (i.e. interest received from cash investments), and the growth potential of specific sharemarket investments.
  • Average annual net return since fund launch (2007): ~6.00%
  • Annual fee: 1.05%
  • Risk factor: 4
  • Expected annual return:  To exceed the returns you would receive from investing 45% of your funds in New Zealand
    fixed interest assets and cash, and 55% in global shares
  • Suggested minimum investment timeframe: 5 to 10 years

We say: The Balanced Fund is the largest fund Kiwi Wealth operates, with over $1.6 billion invested. The fund is weighted in favour of equity investments, but despite being growth-orientated, it continues to struggle to match the returns offered by other provider's balanced funds, notably in 2018 and 2019. The Balanced fund, like the Growth fund below, is a medium to long-term investment as month-to-month returns can variate with the movements in global sharemarkets. ​​
5: Kiwi Wealth Growth Fund
This fund invests up to 90% of its money in shares and other growth assets, and will (usually) have some invested in cash and fixed interest assets. Investments include Microsoft, Alphabet (Google), Nestle, Visa, Amazon.com and Coca Cola, among others.
  • Average annual net return since fund launch (2007): ~8.00%
  • Annual fee: 1.15%
  • Risk factor: 4
  • Expected annual return: To exceed the returns you would receive from investing 80% of your funds in global shares, and 20% of your funds in New Zealand fixed interest assets
  • Suggested minimum investment timeframe: 10+ years 

We say: The Growth Fund is the most aggressive Kiwi Wealth fund, with up to 90% of money allocated to international shares. The biggest risk is that in the short term the value of the fund goes down if global markets drop, but in the long term the fund is expected to make returns above any fixed-income assets such as term deposits. At least 10% of the fund is retained for investments in fixed interest and bonds from government and companies with good credit ratings. Because of the investment profile, the value of the fund will go up and down daily. The Growth Fund is very much a long-term fund for this reason, and Kiwi Wealth suggests a ten year minimum investment period.​

Kiwi Wealth KiwiSaver review

Kiwi Wealth in the News

Recent media reports highlight the following:
​
  • "KiwiSaver provider Kiwi Wealth has started the roll-out of the country's first robo advisory service. 
  • Until now, personalised financial advice could only be given by a human being, largely limiting financial advice to the wealthy with the funds to pay fees and commission.
  • It had the potential for getting more people to switch to funds that are more appropriate to their long-term saving goals".
- Kiwi Wealth unveils the country's first robo adviser, Stuff.co.nz, September 2018

"Kiwi Wealth added 14,493 members to its KiwiSaver scheme and more than $500 million in funds between April 1, 2018 and March 31, 2019.
Recently, Kiwi Wealth slashed fees for its Conservative fund from 1% to 0.83% per annum, with additional reductions for its cash, growth and balanced funds.
It also challenged all at-scale KiwiSaver scheme providers to look to cut fees".
- Kiwi Wealth hits $6 billion mark, NZ Adviser, May 2019

Kiwi Wealth KiwiSaver review

Who is Kiwi Wealth's KiwiSaver Scheme Suited To?

Ultimately, our view is that Kiwi Wealth funds are adequate, but significantly better options can be found elsewhere despite the lower fees coming into effect.

KiwWealth offers six actively managed funds, but the returns have not had the traction of their rivals. The issue appears to be long-standing, with Stuff.co.nz reporting in July 2016 that Kiwi Wealth funds were languishing at the bottom of performance tables.

Despite a fee drop, and a cap of fees up to 1% p.a. on balances for the growth fund, we take the view that the fund offering could be better. Specifically, the historical returns struggle when compared to the bulk of similarly structured KiwiSaver funds.

In our view, it's an average offering, and better options are out there with specialist providers such as Milford, Fisher Funds, Simplicity, Booster and Generate.
​
Standout Features:
  1. Kiwi Wealth has an active responsible investing policy, which prevents investments in tobacco, controversial and nuclear weapons, whaling and whale meat processing, companies with highly unethical behaviour or involved in, defence and firearms, gambling services, thermal coal, nuclear power or palm oil. 
  2. Unlike other banks' KiwiSaver schemes, Kiwi Wealth is New Zealand owned and operated.

Pros
  • Five funds that offer a sliding scale of risk and return, clearly defined in investor statements
  • All funds have an actively managed investment strategy, aiming to beat specific indexes such as the NZX50 and specific fixed-interest indices. This means that Kiwi Wealth manages the KiwiSaver funds intending to get the best possible return for their investors.
  • Investments are diversified and include cash deposits, NZ government bonds and NZ corporate bonds and global equities.
  • Up to date fund performance and balances are available 24/7 via Kiwi Wealth's website.

Cons
  • Despite a drop on fees in 2019, Kiwi Wealth's Balanced and Growth fund management fee is much higher than similar low-fee, index-following funds offered by Simplicity, SuperLife, as well as the ASB (although none of the ASB funds are actively managed, and therefore not designed to beat markets). 
  • There is no life/age program option, which moves your money into more conservative (i.e. less risky) funds as you get older as a way to protect your KiwiSaver balance, is offered. Those wanting lower risk investments would need to select between the Cash, CashPlus, Conservative or Default funds, meaning there is potential for lost returns.

Be aware:
  1. Long-standing fund performance among the banks, with Growth and Balanced funds, in particular, tend to be rather lacklustre.
  2. 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.
  3. Kiwi Wealth's 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.

Kiwi Wealth KiwiSaver review

Kiwi Wealth KiwiSaver - The Bottom Line

  • We are not huge fans of Kiwi Wealth's KiwiSaver funds, but continue to monitor the fund performance closely and update our scheme review as necessary. 
  • Right now, we don't see key funds like Growth and Balanced offering value for money, nor do they deliver market-leading returns or make the most of global market opportunities.
  • It is likely that, regardless of your KiwiSaver balance, other funds in other KiwiSaver schemes may well charge lower management fees and have a history of better returns. Banks in New Zealand make a lot of money from KiwiSaver, and Kiwi Wealth is no exception, despite the commitment to lower fees. 
  • It's important to keep in mind that no two funds are directly comparable, so it's essential to shop around and compare fund objectives as well as fund fees if you're serious about having the biggest KiwiSaver nest-egg possible.​

Kiwi Wealth KiwiSaver review

9 things to know about the Kiwi Wealth KiwiSaver scheme

Kiwi Wealth KiwiSaver review

Kiwi Wealth is growing but is still small compared to ASB, ANZ and AMP, and most other banks

Because Kiwibank is a smaller bank than the established players, and perhaps because it didn't aggressively launch KiwiSaver products back in 2007, it's smaller in size than most other banks. Yet despite that, it's the fifth largest KiwiSaver provider, with double the funds under management of the BNZ scheme, and $1.5 billion more than the next largest provider

However, despite the size, it doesn't mean it will offer leading products. Generally, banks are not often as efficient providers or as dynamic as they could be. We take the opinion that Kiwi Wealth, which is innovative in other products, has a huge opportunity to challenge the status quo. With around 8% of the total KiwiSaver funds under management, Kiwi Wealth's market position and brand could be used to differentiate itself from other banks and deliver a better KiwiSaver offering. We watch their moves closely to see if they will go further than simply lowering fees.​ 
​
Kiwi Wealth KiwiSaver review

No matter what your employer's default KiwiSaver provider or fund is, you are entitled to select any Kiwi Wealth KiwiSaver fund

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

Are you in Kiwi Wealth by default?
If you find yourself in Kiwi Wealth by default, you will either have your KiwiSaver money go to the Default fund or the Balanced fund, depending on how you joined:
  • Because the Inland Revenue allocated you (as Kiwi Wealth is a default provider) - Default Fund
  • Because Kiwi Wealth is your employer’s preferred KiwiSaver scheme - Balanced Fund
  • Because you joined Kiwi Wealth but didn't select a fund - Balanced Fund
​
Kiwi Wealth KiwiSaver review

There is no minimum investment, and it's easy to take contribution holidays

As a Kiwi Wealth member, you'll pay a streamlined fee:
  • A minimum of $40, or up to 1% of your balance per year, whichever one is higher
  • Many fund fees are below 1%, so if you had $10,000 in the Cash fund (0.45%), you will pay annual fees of $45. 
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.

Kiwi Wealth KiwiSaver review

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

Four of the six Kiwi Wealth 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. 
Kiwi Wealth KiwiSaver review

All of Kiwi Wealth's KiwiSaver funds are actively managed, with the Conservative, Balanced and Growth funds aiming to beat market returns

Kiwi Wealth states in its Product Disclosure Statement:
  • An active investment management style is used for all investment funds, although a passive investment style may be used at times.
  • Day-to-day active management decisions made about what assets to buy and sell, and the asset allocation to hold, may not work in your favour. We take steps to control this risk.

This means the funds are actively managed - each fund has its own key personnel, tasked with the responsibility of portfolio management and analysis. Kiwi Wealth 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 Kiwi Wealth fund and its investment team follows the agreed-upon target investment mix. For example, the limit of equity investments in the Kiwi Wealth Balanced Fund is 70%.
  • This allows the fund manager to invest up to 70% of the fund in assets that fall within the category of equities.
  • The manager can use all of the allocation on one company, or diversify into many investments (which is what happens in practice). As equities are the riskiest of investments, investment managers will diversify and purchase many different shares and funds which invest in shares.
  • A recent report into the holdings of the Kiwi Wealth Balanced Fund shows investments in Apple and Microsoft.
  • 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.
​
Kiwi Wealth KiwiSaver review
Kiwi Wealth KiwiSaver review

​Signing up to Kiwi Wealth's KiwiSaver scheme isn't complicated

Signing up to the Kiwi Wealth scheme is easy, but you’ll need to decide your fund first. Helpfully, the names of the five funds - Cash, Default, Conservative, Balanced and Growth, are free of buzzwords or spin.

Generally, if you're looking for a safe investment with the lowest risk of seeing your original investment fall, a conservative 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.

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 the six Kiwi Wealth funds.
​
Kiwi Wealth KiwiSaver review

The default Kiwi Wealth fund may not be appropriate for your KiwiSaver needs

If you have been enrolled in the Kiwi Wealth scheme by default by the IRD, you will be put in the Kiwi Wealth Default Fund. Generally, if you want to grow your KiwiSaver fund for the long-term, and unless you're risk-averse, the default fund isn't likely to make you high returns. Share investments are limited to 25%, meaning up to 75% of the money can sit in bank accounts, low-interest bonds and other fixed-interest. 

If you are in this fund and would prefer a more aggressive fund with slightly higher fees and the possibility of better returns, you have the option to switch free of charge. You can switch to another Kiwi Wealth KiwiSaver fund, or any other KiwiSaver fund operated by another scheme. You can also opt-out of KiwiSaver altogether if you do not wish to participate (subject to timing restrictions).
Kiwi Wealth KiwiSaver review

The performance data is easy to follow, and updated regularly

Fund performance details are published on the Kiwi Wealth website every three months. As a member, you can also check a fund balance 24/7 by logging in to the Kiwi Wealth website.

Kiwi Wealth KiwiSaver review

None of the funds invest significantly in New Zealand shares



We asked Kiwi Wealth about their decision to only invest a small percentage of KiwiSaver funds in New Zealand equities. There response is below:
  • Kiwi Wealth focuses on delivering long-term, risk-adjusted returns to our members. To do this we take a global view to investing.
  • The New Zealand share market makes up less than 0.1% of world markets and is relatively concentrated in a few industries, is somewhat illiquid and currently quite overvalued. 
  • In addition to this, KiwiSaver members are already heavily exposed to the New Zealand economy through their jobs and their homes so a heavy home bias to NZ shares in their investment portfolio does not make sense in our view. 
  • As a result, allocations to NZ shares is low in our KiwiSaver portfolios.
  • We have experienced both, periods of under performance for Kiwi Wealth KiwiSaver Scheme funds when the New Zealand market is doing well, and out-performance when the NZ market lags offshore markets.
  • KiwiSaver is not a short-term investment and we believe that over time our strategy will provide excellent risk-adjusted returns for our members.

We can't comment on their 'global view' other than to say we disagree that New Zealand equities, in general, are overvalued, and that shares are 'somewhat 'illiquid'. Despite this, we respect Kiwi Wealth's investment decision making and underlying rationale for targeting global markets.

Kiwi Wealth KiwiSaver review

Our Conclusion​

  • Kiwi Wealth is luring new members into its Growth and Balanced funds, and the announcement of lower fees is welcomed. However, the returns are in-line, or worse, than other bank funds so far and we see little chance of improvement in the short-term.
  • Kiwi Wealth charges you a premium for its services - the fees you will pay each year are double or triple what low-cost providers like Simplicity charge, despite reporting consistently lower returns.
  • With four of the five funds, investors can get exposure to the Australian sharemarket, emerging markets, local and global bonds, global property as well as New Zealand cash deposits.
  • The active management means particular shares will be bought, at the discretion of the fund manager, so there is a risk of negative returns if the investment doesn't perform.
  • With every fund offered, the higher the weighting of growth assets vs income assets, the higher the annual management fee. This is expected to be offset by the long-term performance of the fund.
  • Ultimately, our view is that the Kiwi Wealth funds are adequate, but significantly better options can be found elsewhere despite the lower fees coming into effect.

Do you have experience with Kiwi Wealth's 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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          • Other Coins
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  • Loans & Finance
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  • Insurance
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  • Credit Cards
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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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      • Depositor Compensation Scheme (DCS) Explained
    • Savings
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    • Guides and Resources
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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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      • NZCB Review
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  • KiwiSaver
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      • What's My PIR?
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      • 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
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    • KiwiSaver Calculators
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  • Business
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    • PAYE & Taxes
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    • Business Calculators & Resources
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    • Online Services
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    • For Startups
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  • MSD
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    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
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  • Motoring
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • AA Membership Review
      • Best Car Batteries
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      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
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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
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
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      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • Health Insurance vs Travel Insurance
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      • Australia NZ Reciprocal Health Care Agreement
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
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    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
    • Broadband Provider Reviews
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  • Power
    • Compare Power Companies
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    • 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
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      • Genesis Energy Review
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      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 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
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
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