- KiwiSaver
You've got choices
Explore our funds
Choosing the KiwiSaver fund that’s right for your savings goals is an important decision. Each of our six funds has a different investment strategy and risk profile, which will produce different returns. Our Stepping Stones options take the hassle out of choosing the right Generate KiwiSaver fund, as these options select a fund based on your age, and automatically adjust as you get older.
Defensive
A stable return over the very short term. It invests in an actively managed portfolio made up entirely of income assets, for those who need certainty of the amount able to be withdrawn.
The target investments for this fund are
100%
Income assets
0%
Growth assets
Fund performance¹
—
10 year return
Risk indicator²
1
2
3
4
5
6
7
Low
Risk / return
High
Conservative
A modest return over the short term. It invests in an actively managed portfolio made up largely of income assets with a small allocation of growth assets.
The target investments for this fund are
80%
Income assets
20%
Growth assets
Fund performance¹
—
10 year return
Risk indicator²
1
2
3
4
5
6
7
Low
Risk / return
High
Moderate
A modest to medium return over the short to medium term. It invests in an actively managed portfolio made up of slightly more income assets than growth assets.
The target investments for this fund are
60%
Income assets
40%
Growth assets
Fund performance¹
5.95%
10 year return
Risk indicator²
1
2
3
4
5
6
7
Low
Risk / return
High
Balanced
A medium return over the medium term. It invests in an actively managed portfolio made up of slightly more growth assets than income assets.
The target investments for this fund are
40%
Income assets
60%
Growth assets
Fund performance¹
—
10 year return
Risk indicator²
1
2
3
4
5
6
7
Low
Risk / return
High
Growth
A high return over the medium to long term. It invests in an actively managed portfolio made up largely of growth assets with a small allocation of income assets.
The target investments for this fund are
20%
Income assets
80%
Growth assets
Fund performance¹
9.56%
10 year return
Risk indicator²
1
2
3
4
5
6
7
Low
Risk / return
High
Focused Growth
A higher return over the long term. It invests in an actively managed portfolio made up predominately of growth assets with a minor allocation of income assets.
The target investments for this fund are
5%
Income assets
95%
Growth assets
Fund performance¹
10.42%
10 year return
Risk indicator²
1
2
3
4
5
6
7
Low
Risk / return
High
Read our latest KiwiSaver articles
- 1
Disclaimers