Top returns
The results are in, and you'll find us right at the top. We're ranked first for 12 month returns in Moderate and Conservative fund categories, and second in Growth (Morningstar, 30 September 2025)*.
"ASB had a strong quarter with three of its funds at the top of their category and the other two multi-asset funds in the top five performers. Other than ASB, no provider consistently has funds at the top of the category."
- Morningstar, September 2025
Low fees
Fees matter when it comes to your KiwiSaver investment, because high fees can quietly eat away at your long-term savings. Ours are below the industry average, and we don't charge a performance fee*.
What's a performance fee? Some providers charge an extra fee when your fund performs well. We don't. We believe strong returns should benefit you, not cost you more.
Our award-winning KiwiSaver calculator and advice tool shows you how changes to your fund choice and contributions could grow your first home or retirement savings. Plus, it gives you personalised advice to help you choose the best fund for you.
"Thousands of ASB customers have received personalised KiwiSaver fund advice, helping them on the path to brighter and more secure financial futures."
- Canstar, 2024
Don't have an ASB login yet? Try our simple calculator.
Help choosing a KiwiSaver fund
Not sure which fund is best for you? Our guided tool helps you pick a fund that fits your goals, timeframe, and comfort with risk.
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Personalised KiwiSaver advice
Talk to a KiwiSaver specialist. It’s free and takes around 15 minutes.
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KiwiSaver FAQs
Get quick answers to common questions - from getting started to making the most of your KiwiSaver.
KiwiSaver FAQs
Investor Hub
Get the latest market commentary, expert insights, and ASB Investment Podcast episodes, all in one place. Visit the Investor Hub.
ASB and BlackRock
We partner with BlackRock, the world's largest investment management firm, to provide better investment outcomes. Learn more about our partnership.
It only takes 5 minutes to join if you're over 18 and a New Zealand citizen or permanent resident. If you're not already an ASB customer, you'll need your IRD number and your NZ passport or driver licence.
Want to enrol someone under the age of 18? Call 0800 272 738 or visit your local ASB branch.
First home
Looking to buy your first home? You might be able to withdraw some of your KiwiSaver savings to help. Learn more about using KiwiSaver to buy your first home.
Retirement
You can access your KiwiSaver retirement savings when you turn 65 or choose to keep investing - it's up to you. Learn more about KiwiSaver at retirement.
Financial hardship
Life can throw you curveballs. In some cases, you may be able to access your KiwiSaver savings early due to significant financial hardship. Learn more about KiwiSaver hardship withdrawal eligibility and application steps.
Call us
Talk to our specialist KiwiSaver team.
0800 ASB RETIRE (0800 272 738)
Visit a branch
Visit us at an ASB branch near you.
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Ask a question
Fill out our online form and we'll get back to you.
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*Based on Morningstar KiwiSaver Survey (30 September 2025). Past performance does not guarantee or indicate future performance; returns may vary over a fund’s minimum investment timeframe and longer. See our returns page for more information on fund performance. Fees for each ASB KiwiSaver Scheme fund are at least 33% lower than industry average (Sorted Smart Investor, 6 November 2025, based on a $30k balance).
A Product Disclosure Statement for the ASB KiwiSaver Scheme has been lodged with the Registrar of Financial Service Providers. It is available from this website, or you can obtain a copy by emailing retire@asb.co.nz.
BlackRock Investment Management (Australia) Limited is a subsidiary of BlackRock, Inc.
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. Fees may change. 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).