KiwiSaver providers and schemes in New Zealand
34 KiwiSaver schemes have open funds on the Disclose Register, offering 355 funds between them. Each scheme below has its own page that explains every fund it offers, with the fees the provider discloses and the Morningstar return where there is one. It is general information, not a recommendation to join or switch.
- Schemes
- 34With at least one open fund
- Open funds
- 355Across all schemes listed here
- On Cam's panel
- 10Selected implementation panel
- Data read
- 4 October 2026Disclose Register
How to use these pages
- To look at one scheme: open its page below to see every fund it offers.
- To search or sort every fund at once: use the KiwiSaver fund directory, which covers the whole market and lets you filter by category, fee, size and return.
- To see how Cam compares the schemes he can implement a change through: read the KiwiSaver provider comparison.
Schemes on Cam's implementation panel
Cam reviews and compares KiwiSaver providers and funds across the wider New Zealand market, and a recommendation may be to stay with your current scheme, whether or not it is on this list. Where a change is recommended, he can put it in place through one of these ten schemes. Being on the panel is not a recommendation to choose a scheme. How Solid Steele is paid depends on the scheme and is set out in the disclosure statement.
| Scheme | Run by | Open funds | Annual fund charge | Risk indicators |
|---|---|---|---|---|
| Booster KiwiSaver Scheme | Booster Investment Management Limited | 14 | 0.35% to 1.41% | 1 to 5 of 7 |
| Fisher Funds KiwiSaver Plan | Fisher Funds Management Limited | 7 | 0.36% to 1.23% | 1 to 4 of 7 |
| Generate KiwiSaver Scheme | Generate Investment Management Limited | 9 | 0.43% to 1.27% | 1 to 5 of 7 |
| Kernel KiwiSaver Plan | Kernel Wealth Limited | 25 | 0.25% to 0.45% | 1 to 6 of 7 |
| Kōura KiwiSaver Scheme | Kōura Wealth Limited | 13 | 0.63% to 1.10% | 1 to 7 of 7 |
| Milford KiwiSaver Plan | Milford Funds Limited | 6 | 0.20% to 1.15% | 1 to 5 of 7 |
| Pathfinder KiwiSaver Plan | Pathfinder Asset Management Limited | 4 | 1.17% to 1.35% | 3 to 4 of 7 |
| QuayStreet KiwiSaver Scheme | Smartshares Limited | 12 | 0.75% to 1.30% | 3 to 5 of 7 |
| SBS Wealth KiwiSaver Scheme | SBS Wealth Limited | 9 | 0.46% to 1.24% | 1 to 6 of 7 |
| Superlife KiwiSaver Scheme Currently rebranding to Smart KiwiSaver | Smartshares Limited | 43 | 0.20% to 1.26% | 2 to 6 of 7 |
Other schemes open to everyone
These schemes are not on Cam's panel. They are here because they are part of the market, and a recommendation may well be to stay with one of them.
| Scheme | Run by | Open funds | Annual fund charge | Risk indicators |
|---|---|---|---|---|
| AMP KiwiSaver Scheme | AMP Wealth Management New Zealand Limited | 19 | 0.56% to 1.48% | 2 to 5 of 7 |
| ANZ KiwiSaver Scheme | ANZ New Zealand Investments Limited | 7 | 0.22% to 0.95% | 2 to 5 of 7 |
| ASB KiwiSaver Scheme | ASB Group Investments Limited | 6 | 0.35% to 0.75% | 2 to 5 of 7 |
| BNZ KiwiSaver Scheme | Harbour Asset Management Limited | 8 | 0.30% to 0.45% | 2 to 5 of 7 |
| GoalsGetter KiwiSaver Scheme | Amova Asset Management New Zealand Limited | 18 | 0.40% to 1.51% | 2 to 7 of 7 |
| Hive KiwiSaver Scheme | Hive Funds Limited | 10 | 0.40% to 1.60% | 2 to 5 of 7 |
| Investnow KiwiSaver Scheme | Fundrock NZ Limited | 45 | 0.03% to 1.38% | 2 to 6 of 7 |
| MAS KiwiSaver Scheme | Medical Funds Management Limited | 7 | 0.25% to 0.98% | 1 to 5 of 7 |
| Mercer KiwiSaver Scheme Mercer is now Marsh | Mercer (N.Z.) Limited | 7 | 0.33% to 0.93% | 2 to 5 of 7 |
| OneAnswer KiwiSaver Scheme | ANZ New Zealand Investments Limited | 14 | 0.22% to 1.00% | 2 to 6 of 7 |
| Sharesies KiwiSaver Scheme | Sharesies Investment Management Limited | 11 | 0.09% to 1.49% | 3 to 6 of 7 |
| Simplicity KiwiSaver Scheme | Simplicity NZ Limited | 6 | 0.24% | 3 to 5 of 7 |
| Summer KiwiSaver Scheme | Salt Investment Funds Limited | 10 | 0.50% to 0.90% | 1 to 5 of 7 |
| Westpac KiwiSaver Scheme | Bt Funds Management (NZ) Limited | 8 | 0.25% to 0.70% | 2 to 5 of 7 |
Smaller and closed-membership schemes
Closed-membership schemes can only be joined by some people, such as members of a profession or community. The others here list fewer than 5 open funds. Check a scheme's own rules before you plan around it.
| Scheme | Run by | Open funds | Annual fund charge | Risk indicators |
|---|---|---|---|---|
| AE KiwiSaver Plan | AE KiwiSaver Limited | 1 | 4.26% | 7 of 7 |
| BCF KiwiSaver Scheme | Arotahi Trust Limited | 1 | 0.77% | 3 of 7 |
| Christian KiwiSaver Scheme | The New Zealand Anglican Church Pension Board | 3 | 0.80% to 1.50% | 3 to 4 of 7 |
| Evidential KiwiSaver Scheme | Consilium NZ Limited | 3 | 0.70% to 0.80% | 4 to 5 of 7 |
| JMI Wealth KiwiSaver Scheme | Smartshares Limited | 3 | 1.10% to 1.29% | 3 to 4 of 7 |
| Maritime KiwiSaver Scheme | Trustees of the Maritime KiwiSaver Scheme | 3 | 0.61% to 0.76% | 4 to 5 of 7 |
| New Zealand Defence Force KiwiSaver Scheme | Mercer (N.Z.) Limited | 7 | 0.46% to 0.88% | 2 to 5 of 7 |
| NZ Funds KiwiSaver Scheme | New Zealand Funds Management Limited | 4 | 0.00% to 2.01% | 4 to 6 of 7 |
| PIE KiwiSaver Scheme | PIE Funds Management Limited | 4 | 0.75% to 1.25% | 3 to 5 of 7 |
| SuperEasy KiwiSaver Superannuation Scheme | Local Government Superannuation Trustee Limited | 8 | 0.32% | 3 to 4 of 7 |
Craigs and KiwiWrap: registered, with no open funds listed
Craigs and KiwiWrap are registered KiwiSaver schemes, but the Disclose Register lists no open funds under either, so they have no page here. They are platform-style schemes where members build a portfolio from a long list of investments, and each has its own entry rules. Check the scheme's own disclosure documents.
Source: the Disclose Register, read on 4 October 2026. A scheme with no open funds, a fund that is an automatic age-based step-down option, and a fund the provider no longer offers to new members are left out, as in the directory. Morningstar returns are from the Morningstar KiwiSaver Survey, the three months to 30 June 2026, published 30 July 2026. Past performance does not guarantee future returns.
A free KiwiSaver session is the way to see how a scheme applies to you, or start with the KiwiSaver Health Check.