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Compare Funds

Compare the ASB KiwiSaver Scheme funds to find the right one for you.

We offer a range of funds to suit different investors. We recommend that you choose a fund based on your investment timeframe.

  • A longer investment timeframe gives you more time to ride out larger ups and downs in your balance. This is good news because accepting those ups and downs comes with a higher potential return – that could mean more money for you to spend later.
  • With a shorter timeframe we recommend that you don’t take too much risk – while returns are likely to be lower, they will be more stable, giving you less chance of a drop in your balance before you come to make a withdrawal.

View the latest fund updates, market review and recent returns for the ASB KiwiSaver Scheme funds.

For more information about how we manage the funds see the Statement of Investment Policy and Objectives.

Growth Fund
Balanced Fund
Moderate Fund
Conservative Fund
NZ Cash Fund
Invests in a high proportion of growth assets, significant ups and downs in your balance are expected.
Invests in more growth assets than income assets, ups and downs in your balance are expected.
Invests in more income assets than growth assets, some ups and downs in your balance are expected.
Invests in a high proportion of income assets, fewer ups and downs in your balance are expected.
Invests in income assets, very little chance of a negative return.
Investment timeframe

Minimum suggested

16 years
8 years
4 years
2 years
No minimum
Income assets

What's this?

20%
40%
60%
80%
100%
Growth assets

What's this?

80%
60%
40%
20%
0%
Summary of investment objective
Aims for high returns.
Negative return expected less than one in every four years.
Aims for moderate to high returns.
Negative return expected less than one in every five years.
Aims for moderate returns.
Negative return expected less than one in every seven years.
Aims for modest returns.
Negative return expected less than one in every 25 years.
Provides exposure to deposits and fixed interests with NZ banks.
Negative return expected less than one in every 50 years.
Annual fund charge
0.67%
0.62%
0.58%
0.39%
0.34%
Administration fee
$30 per year
$30 per year
$30 per year
$30 per year
$30 per year
Growth Fund
Balanced Fund
Moderate Fund
Conservative Fund
NZ Cash Fund

Still not sure?

Choosing the right fund is an important part of achieving your savings goals. If you are still unsure which fund to select, try our tool.

Answer two questions to see which fund we recommend for your investment timeframe.

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.business.govt.nz/disclose (search for ASB KiwiSaver Scheme).