When it comes to your KiwiSaver investment, the numbers matter. All our diversified funds have delivered top quartile 12 month returns in their categories, as at 31 March 2025. Combine that with fees below the industry average - and no performance fee - and it all adds up.
What's a quartile? It's a way to compare fund performance between providers. A top quartile fund has investment returns in the top 25% of funds in the same category.
The tables below show the ASB KiwiSaver Scheme returns to investors as at 30 June 2025. Click to expand.
Assuming the highest Prescribed Investor Rate (PIR). The returns are calculated on the assumption that all foreign tax credits are fully utilised by the investor.
1 month | 3 months | 6 months | 1 year | 3 years (p.a.) | 5 years (p.a.) | 10 years (p.a.) | Since Inception (p.a.) | |
|---|---|---|---|---|---|---|---|---|
NZ Cash Fund | 0.20% | 0.61% | 1.32% | 3.24% | 3.40% | 2.18% | 1.82% | 2.18% |
Conservative Fund | 0.83% | 1.73% | 1.90% | 6.23% | 4.97% | 2.33% | 3.18% | 3.47% |
Moderate Fund | 1.17% | 2.47% | 1.77% | 7.45% | 6.58% | 3.67% | 4.23% | 4.05% |
Balanced Fund | 1.59% | 3.51% | 1.46% | 9.05% | 8.64% | 5.71% | 5.81% | 4.87% |
Growth Fund | 2.01% | 4.44% | 1.23% | 10.52% | 10.34% | 7.50% | 7.02% | 5.39% |
Aggressive Fund | 2.31% | 5.11% | 1.07% | 11.67% | 15.16% |
1 month | 3 months | 6 months | 1 year | 3 years (p.a.) | 5 years (p.a.) | 10 years (p.a.) | Since Inception (p.a.) | |
|---|---|---|---|---|---|---|---|---|
NZ Cash Fund | 0.27% | 0.84% | 1.84% | 4.52% | 4.76% | 3.04% | 2.54% | 3.07% |
Conservative Fund | 1.01% | 2.19% | 2.79% | 7.84% | 6.09% | 2.71% | 3.92% | 4.58% |
Moderate Fund | 1.35% | 3.01% | 2.70% | 8.95% | 7.71% | 4.15% | 5.04% | 5.20% |
Balanced Fund | 1.77% | 4.12% | 2.47% | 10.43% | 9.81% | 6.41% | 6.74% | 6.09% |
Growth Fund | 2.19% | 5.12% | 2.32% | 11.79% | 11.55% | 8.42% | 8.05% | 6.65% |
Aggressive Fund | 2.49% | 5.89% | 2.22% | 12.87% | 16.52% |
Returns are a reflection of past performance and are not a guarantee or indication of future performance because returns fluctuate (move up and down). Returns can be negative and you may receive back less than the total amount of your contributions.
The Positive Impact Fund was wound up on 15 January 2025.
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Interests in the ASB KiwiSaver Scheme (Scheme) are issued by ASB Group Investments Limited, a wholly owned subsidiary of ASB Bank Limited (ASB). ASB provides Scheme administration and distribution services. No person guarantees interests in the Scheme. Interests in the Scheme are not deposits or other liabilities of ASB. They are subject to investment risk, including possible loss of income and principal invested. For more information see the ASB KiwiSaver Scheme Product Disclosure Statement available from this website and the register of offers of financial products at www.disclose-register.companiesoffice.govt.nz/ (search for ASB KiwiSaver Scheme).