Top returns help your balance grow. Low fees help you keep more of it.
The ASB KiwiSaver Scheme ranked first for 12 month returns in Conservative and Moderatefund categories (Morningstar, December 2025). Plus, our fees are at least 33% below theindustry average, and we don't charge administration or performance fees.*
What's a performance fee? Some providers charge an extra fee when your fund performs well.We don't. We believe top returns should benefit you, not cost you more.
ASB nominated as finalist in 2026 Morningstar Awards for Investing Excellence in New Zealand.
- Overall Fund Manager of the Year
- Fund Manager of the Year, KiwiSaver
"It's fair to say that 2025 was a challenging year to navigate. There were inflation surprises, geopolitical uncertainty, and growth uncertainty. Compounded by a market displaying valuations disconnected from fundamentals, it made it a challenging year, even for the best investors. Despite this, our nominated fund managers demonstrated an ability to deliver quality, high-performing investments and have stood above peers with exceptional returns over the longer term."
- Matt Olsen, Morningstar Australasia's Director, Manager Research
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)
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Morningstar Awards 2026 © Morningstar, Inc. All Rights Reserved. ASB is nominated for Overall Fund Manager of the Year and Fund Manager of the Year, KiwiSaver category, New Zealand.
*Based on Morningstar KiwiSaver Survey (31 December 2025). Returns shown are after fees and before tax. 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).