Why Generate?

With so many KiwiSaver schemes to choose from that’s a good question.

NZ Owned
NZ owned & operated KiwiSaver specialists
Award Winning
Gold Rating 2016 to 2019 by SuperRatings(1)
Service Focused
Rated 91% by Sorted Fund Finder(2)
#1 Performance
#1 Performing Moderate and Growth funds for the year ended 30 June 2019(3)

How much can you generate?


The 5 year returns shown are the average for each fund type per annum (p.a.) from sorted.org.nz Fundfinder 01/04/13 to 30/06/18 less 2% p.a. to adjust for inflation Defensive 2.17% (0.17%), Conservative 4.65% (2.65%), Balanced 6.84% (4.84%) and Growth 8.89% (6.89%) p.a. The 5 year average returns are used for illustrative purposes only and during this time period there has been a bull market in equities so these returns may be higher than usual. Assumptions are that you remain contributing continuously until you reach retirement at age 65. Your salary or self-employed contributions are assumed to grow by 3% p.a. Your employer puts in 3% p.a. less tax. The graph above does not reflect the prospective performance of the Generate KiwiSaver Scheme or of any Fund. The returns are subject to investment and other risks (including potential losses). No returns are guaranteed or assured, and returns can at times be negative, particularly given the length of the investment period shown in the illustration. Past performance is not necessarily an indicator of future performance and returns over different periods may differ.

Latest News

Henry Tongue

Henry Tongue

Generate Growth fund 10.8% p.a. over past 5 years!

Generate's Growth Fund ranks 1st out of 21 KiwiSaver growth funds returning 10.78% p.a. after fees over the past five years. All three Generate Funds rank 1st, 2nd or 3rd over past year and 5 years.

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Jeremy Thomas

Jeremy Thomas

Key changes to KiwiSaver start kicking in from April

Important KiwiSaver changes have come into force, enabling far greater choice and flexibility for KiwiSaver investors. From April 1, 2019, KiwiSaver members will have two additional contribution rates to choose from – 6 per cent and 10 per cent of gross salary – in addition to the current 3 per cent, 4 per cent and 8 per cent options. (NB: employers will still be required to make a minimum contribution of 3 per cent of gross salary). Renaming the Contributions Holiday to Savings Suspension and reducing the maximum period from 5 years to 1 year (renewable on application) – this allows members to temporarily cease their contributions, although this also means no government or employer contributions, as relevant. Changes also included renaming of the Government Contribution (formally known as Member Tax Credits).

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