Why Generate?

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

NZ Owned
NZ owned & operated KiwiSaver specialists
Award Winning
Investment Provider of the Year 2015 & 2016(1)
Service Focused
Gold Rating 2016 to 2019 by SuperRatings(2)
#1 Performance
#1 Performing Aggressive KiwiSaver Fund for 2018 & #1 over 5 years to 31 Dec 18(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

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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Sam Goldwater

Sam Goldwater

December was a downer but dynamic duo defeat KiwiSaver depression

Just two of the 13 largest KiwiSaver providers eked out positive net growth over the tough December quarter, likely buoyed by new member transfers rather than investment returns. According to the latest data from Australian research house Strategic Insight (SI), Generate KiwiSaver was one of two providers that saw funds under management (FUM) grow during the three months up to December 31 last year, up 2.6 per cent – also jumping above $1 billion for the first time.

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