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Why choose the Kiwi Wealth
KiwiSaver Scheme?

Kiwi-3
Owned by New Zealanders, not offshore banks

We’re 100% Kiwi-owned and operated and our team is based right here in New Zealand.  Like Kiwibank, we’re ultimately owned by the NZ Super Fund, ACC and NZ Post, so our profits stay in New Zealand too.

responsible
Committed to responsible investing

Kiwi Wealth has ALL of its KiwiSaver funds verified as responsibly invested by the Responsible Investment Association Australasia (RIAA).  We invest our members' savings in companies that meet our strict environmental, social and governance criteria.

Expert
Expert investment management 

Our in-house investment management team actively manages the underlying investments in your KiwiSaver account, with the aim of building and protecting your wealth.  Your money not only gets invested in New Zealand but across the globe, helping to diversify your investment.

customer_service
Great Kiwi
customer service

If you have any questions, our New Zealand-based specialist customer service team will personally answer your calls and emails.  And if you need expert advice, our financial advisers are on hand to answer all your questions.

Report
Transparent reporting 

We believe reporting has to be transparent to be meaningful so we’ll tell you where your money is invested - right down to the individual currencies and shares, and organised  by sector.  

In our member area you'll see how your performance is tracking over time, alongside your monthly fees, your savings goals and personalised reports.

All members get access to Future You® - our award winning online service.

Not sure what your retirement might look like and don’t know where to start?  Kiwi Wealth gives you the tools you need to play an active role with your investment. 

Check out the video to see how Future You can help you plan for the retirement you want.

Find out more about Future You

Let's talk fees

Fees are what you pay your KiwiSaver scheme provider for managing your investment.

Our fees sit around the middle of the pack and when you consider what we offer, they’re great value for money.  

It's worth checking out what you get - or don’t get - for your fees before choosing your provider. We aim to keep our fees competitive while delivering you strong long term returns on your investment - plus member benefits that you won't get with many of our competitors. 

1. The largest in-house global equity manager in New Zealand providing hands-on management of your investment.
 Our trusted team of experts actively manage the funds our members invest in.  By hand picking stocks from across the global market they aim to provide better than market returns over the long term.  This proactive approach means we can react quickly when markets change and we are not locked into prescribed allocations of securities (eg: shares and bonds) - which is the case with passive and some other investment options.  A passive hands-off approach can enable some KiwiSaver providers to offer lower fees, but the down side can be surrendering control of the members’ investment and a missed opportunity to outperform the market.  We believe that, over the long term, the hands-on approach (or active fund management) is expected to outperform passive funds.
2. A responsible investment approach that effects change.
 Some KiwiSaver scheme providers offer an ‘ethical fund’ where they exclude certain companies, but we apply responsible investing principals across ALL our funds. We not only exclude companies based on what they produce, we also exclude based on their behaviour and impact on people and the environment. Our team gets involved in ‘responsible shareholder activism’ – where we push for improvements through our voting power as shareholders, on behalf of our members. This is an investment approach that doesn't just pay lip service to doing social good, but actually effects change. Our blog shows the real impact shareholder voting rights have on business decisions.
3. Great Kiwi customer service; there when you need it.
 Our team of New Zealand-based customer service experts are only a phone call or email away. Whenever you have questions about your KiwiSaver investment or need help - for example with withdrawing the funds from your KiwiSaver investment for a first home - we are here to help you through the process.
4. Digital tools and resources so you can get involved with your KiwiSaver investment.
 Feel like you're in the dark with your KiwiSaver investment? You won't be with us. Our members get access to our award winning online service that enables you to play an active role in your KiwiSaver investment. Not only can you keep an eye on your investment through your own account summary page, but you can set a retirement goal and review and make changes to your investment fund whenever you like. This gives you greater control over your investment, to ensure it matches your appetite for risk and timeframe.
1. The largest in-house global equity manager in New Zealand providing hands-on management of your investment.

Our trusted team of experts actively manage the funds our members invest in.  By hand picking stocks from across the global market they aim to provide better than market returns over the long term.  This proactive approach means we can react quickly when markets change and we are not locked into prescribed allocations of securities (eg: shares and bonds) - which is the case with passive and some other investment options.  A passive hands-off approach can enable some KiwiSaver providers to offer lower fees, but the down side can be surrendering control of the members’ investment and a missed opportunity to outperform the market.  We believe that, over the long term, the hands-on approach (or active fund management) is expected to outperform passive funds.

2. A responsible investment approach that effects change.

Some KiwiSaver scheme providers offer an ‘ethical fund’ where they exclude certain companies, but we apply responsible investing principals across ALL our funds. We not only exclude companies based on what they produce, we also exclude based on their behaviour and impact on people and the environment. Our team gets involved in ‘responsible shareholder activism’ – where we push for improvements through our voting power as shareholders, on behalf of our members. This is an investment approach that doesn't just pay lip service to doing social good, but actually effects change. Our blog shows the real impact shareholder voting rights have on business decisions

3. Great Kiwi customer service there when you need it.

Our team of New Zealand-based customer service experts are only a phone call or email away. Whenever you have questions about your KiwiSaver investment or need help - for example with withdrawing the funds from your KiwiSaver investment for a first home - we are here to help you through the process.

4. Digital tools and resources so you can get involved with your KiwiSaver investment.

Feel like you're in the dark with your KiwiSaver investment? You won't be with us. Our members get access to our award winning online service that enables you to play an active role in your KiwiSaver investment. Not only can you keep an eye on your investment through your own account summary page, but you can set a retirement goal and review and make changes to your investment fund whenever you like. This gives you greater control over your investment, to ensure it matches your appetite for risk and timeframe.

Fees overview for each of our
Kiwi Wealth KiwiSaver Scheme funds
Investment fund Annual Management Fee
(estimate)*		 Other Feesquestion_mark
(estimate)		 Total estimated annual fund charges*
(as a % of your Fund(s) balance)
Cash 0.45% 0.00% 0.45%
Default  0.48%  0.04%  0.52%
Conservative  0.83%  0.03%  0.86%
Balanced  0.95%  0.09%  1.04%
Growth  1.00%  0.15%  1.15%

We don't charge a Membership Fee on top of the Annual Management Fee. The Total Estimated Annual Fund charge is the total fee percentage you will pay - nothing more.

 

The minimum charge for the Annual Management Fee component of the annual fund charge is $40.  If you invest in more than one investment fund, this minimum applies pro-rata across those funds.

Performance 

We know that markets go up and down, so we diversify by investing globally. This ensures that all your eggs aren't in one basket, helping to achieve the best performance possible over the long term.

Check for yourself

Stay informed 

We think a statement once a year just isn't enough. We have a range of communications to keep you informed and help you make the most of your KiwiSaver investment.

We keep in touch throughout the year with market insights and regular information about your KiwiSaver investment. You can choose to receive a text update each month with your KiwiSaver balance and if you are a Kiwibank customer you can see your balance on internet banking - both great ways to keep your investment front of mind.  

Read our KiwiSaver 101 blogs, watch our educational videos and subscribe to our Kiwi Wealth newsletter to learn more about investing. Follow us on Facebook and LinkedIn to keep across KiwiSaver news and check out our Kiwi Wealth YouTube channel.   

iphone-text-message

Stay informed 

We think a statement once a year just isn't enough. We have a range of communications to keep you informed and help you make the most of your KiwiSaver investment.

We keep in touch throughout the year with market insights and regular information about your KiwiSaver investment. You can choose to receive a text update each month with your KiwiSaver balance and if you are a Kiwibank customer you can see your balance on internet banking - both great ways to keep your investment front of mind.  

Read our KiwiSaver 101 blogs, watch our educational videos and subscribe to our Kiwi Wealth newsletter to learn more about investing. Follow us on Facebook and LinkedIn to keep across KiwiSaver news and check out our Kiwi Wealth YouTube channel.   

Kiwi Wealth text message

Performance 

We know that markets go up and down, so we diversify by investing globally. This ensures that all your eggs aren't in one basket, helping to achieve the best performance possible over the long term.

Check for yourself

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Ready to join or transfer to the Kiwi Wealth KiwiSaver Scheme?

Please note - You can join if you're a permanent New Zealand resident living in New Zealand.

How our members make the most of their KiwiSaver investment

Setting and forgetting your KiwiSaver investment is common. But taking an active interest could mean a better future. Hear how these Kiwis are making KiwiSaver work harder for them.

How our members make the most of their KiwiSaver investment

Setting and forgetting your KiwiSaver investment is common. But taking an active interest could mean a better future. Hear how these Kiwis are making KiwiSaver work harder for them.

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Product Disclosure Statements

Kiwi Wealth® is a registered trademark of Kiwi Wealth Investments Limited Partnership. Future You® is a registered trademark of Kiwi Wealth Limited. Kiwi Wealth Limited is the issuer and manager of the Kiwi Wealth KiwiSaver Scheme and Kiwi Wealth Managed Funds.

 

Kiwi Wealth Investments Limited Partnership is the issuer and manager of the Kiwi Wealth Super Scheme.

 

© 2020 Kiwi Wealth Limited

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