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ASB Investment Funds are managed funds that have the potential to provide better long-term returns than traditional savings accounts and term investments. They work in the same way as a KiwiSaver investment does, but unlike KiwiSaver, you can access your money whenever you want. We offer a range of funds with a different mix of income and growth assets to help achieve your investment goals.
ASB Investment Funds’ returns are taxed at a maximum of 28%. If your income tax is 30% or higher this can improve your after-tax returns.
Strong performance versus the market
Our ASB Investment Funds Growth, Balanced, Moderate and Conservative Plus Funds have all outperformed the market average over 3 years.
ASB Investment Funds Conservative Plus Fund achieved a return of 3.80% p.a. versus 3.67% p.a. market average.
Per annum returns based on after fees and before tax 3-year performance data from Morningstar (NZ Multisector Fund Universe) as at 31 March 2025. Past performance is not a guarantee or indication of future performance.
For more information on ASB Investment Funds performance, see our performance page.
Why ASB Investment Funds?
Committed to delivering you strong long-term returns
We work with some of the world's leading investment managers, including BlackRock, to help you get the most out of your investment. View past returns.
Flexibility
Get started with no minimum investment. Choose how much and how often you invest across a range of funds, with the flexibility to withdraw your money when you need. View funds and fees.
Easy & convenient
Set up regular transfers to your ASB Investment Fund and keep track of your investments in the ASB Mobile Banking app or FastNet Classic internet banking.
Is investing right for me?
Automate your investing
Investing small amounts regularly can make a big difference to your future.
Set up an auto-transfer today:
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Log in to the ASB Mobile app or FastNet Classic Internet banking
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Select the account you'd like to transfer from and your ASB Investment Funds account you'd like to transfer into
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Enter the amount you'd like to transfer each week, fortnight or month, and the date you'd like the first transfer to be made to set up a contribution schedule
You can make changes to or cancel your transfer schedule at any time.
Get one step ahead with us
ASB Aggressive Funds
Looking for aggressive investment options? Our Aggressive Funds aim for the highest returns of all our funds over the long term, for those who can accept more ups and downs.
Responsible Investing
Learn more about our responsible investing approach.
Invest now with ASB
A Product Disclosure Statement for ASB Investment Funds has been lodged with the Registrar of Financial Service Providers. It is available from this website, or you can obtain a copy by emailing invest@asb.co.nz
Interests in ASB Investment Funds are issued by ASB Group Investments Limited, a wholly owned subsidiary of ASB Bank Limited (ASB). ASB provides administration and distribution services for ASB Investment Funds. No person guarantees interests in ASB Investment Funds. Interests in ASB Investment Funds are not deposits or other liabilities of ASB. They are subject to investment risk, including possible loss of income and principal invested. Fees may change. For more information see the ASB Investment Fund 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 Investment Funds).