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Navigating Your KiwiSaver in 2025: A Guide to Top Performing Funds
As New Zealanders continue to build their nest eggs for retirement and first homes, selecting the right KiwiSaver fund is a critical financial decision. For 2025, consistent top performers across various categories continue to be managed by providers such as Milford, QuayStreet, Generate, Pathfinder, and Simplicity. The choice of the "best" fund, however, hinges on individual circumstances, risk tolerance, and personal values, particularly with the growing emphasis on ethical and sustainable investing.

Top Performers Across Key Categories
For Long-Term Growth (Higher Risk):

Investors with a long-term horizon (10+ years) who are comfortable with market volatility should consider a Growth or Aggressive fund. These funds typically have a higher allocation to shares and have historically delivered higher returns over the long run.

Top Growth Funds:

Milford Active Growth Fund: Frequently cited for its strong long-term performance.

QuayStreet Growth Fund: Another consistent top performer in the growth category.

Generate Focused Growth Fund: Known for its active management and strong returns.

Pathfinder Growth Fund: A strong contender with a focus on ethical investing.

Simplicity Growth Fund: A popular choice for its low-fee, index-tracking approach.

For a Balanced Approach (Medium Risk):

Balanced funds offer a mix of growth assets (like shares) and income assets (like bonds and cash). They are suitable for investors with a medium-term investment horizon (5-10 years) or those who prefer a more moderate level of risk.


Top Balanced Funds:

QuayStreet Balanced Fund: Often highlighted for its solid performance in this category.

Milford Balanced Fund: A consistently strong performer from a well-regarded provider.

Generate KiwiSaver Balanced Fund: A popular choice with a focus on active management.

For Capital Preservation (Lower Risk):

Conservative funds are designed for investors with a short-term investment horizon (less than 5 years), such as those nearing retirement or planning to withdraw for a first home soon. These funds prioritize capital preservation by investing primarily in income assets.

Top Conservative Funds:

Milford Conservative Fund: A frequent top performer in the conservative space.

QuayStreet Conservative Fund: Recognized for its consistent returns in a lower-risk setting.

Simplicity Conservative Fund: A low-fee option for those seeking stability.

The Rise of Ethical and Sustainable Investing
A growing number of KiwiSaver members are looking to align their investments with their values. For those prioritizing environmental, social, and governance (ESG) factors, several providers have a strong focus on responsible investing.

Top Ethical and Sustainable Funds:

Pathfinder Asset Management: A dedicated ethical investor with a comprehensive screening process. Their funds consistently rank highly for sustainability.

Booster: Offers a range of socially responsible investment (SRI) funds with a long track record in ethical investing.

MAS (Medical Assurance Society): While historically focused on the medical profession, their KiwiSaver funds are open to all and have a strong commitment to responsible investing.

Mindful Money, an independent charity, provides resources and certifications for investors looking for ethical options.
Fees: A Crucial Factor in Your Returns
Even small differences in fees can have a significant impact on your KiwiSaver balance over the long term. It's essential to compare the fees of different providers and funds.

Indicative Annual Fund Charges for Top Providers (as of 2025):

Provider Growth Fund Fee (approx.) Balanced Fund Fee (approx.) Conservative Fund Fee (approx.)
Milford ~1.05% ~1.05% ~0.95%
QuayStreet ~1.28% ~1.26% ~1.14%
Generate ~1.19% ~1.12% ~0.94%
Pathfinder ~1.21% ~1.17% ~0.98%
Simplicity ~0.31% ~0.31% ~0.31%

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Note: Fees are subject to change and may include other costs such as administration fees. It is crucial to check the latest Product Disclosure Statement (PDS) from the provider for the most up-to-date fee information. Simplicity is a non-profit provider, which is reflected in their lower fee structure.

Choosing the Right Fund for Your Life Stage
Younger Investors (Under 40, long-term goals): A Growth or Aggressive fund is generally suitable due to the long time horizon to recover from market downturns.

Mid-Career Investors (40-55): A Balanced or Growth fund can provide a good mix of growth and stability.

Approaching Retirement (55+): A gradual shift towards a more Conservative or Balanced fund is often recommended to protect capital.

First-Home Buyers: If you plan to withdraw your KiwiSaver funds for a first home within the next few years, a Conservative or Balanced fund is generally a safer option to minimize the risk of a market downturn impacting your deposit.