ANZ KiwiSaver Scheme: funds, fees and returns
Run by ANZ New Zealand Investments Limited
The ANZ KiwiSaver Scheme is a KiwiSaver scheme run by ANZ New Zealand Investments Limited. It has 7 open funds on the Disclose Register, in the defensive, conservative, moderate, balanced, growth and aggressive categories, with annual fund charges of 0.22% to 0.95%. This page explains each fund using what the provider has disclosed, with the Morningstar return where there is one. It is general information, not a recommendation to join or switch.
- Open funds
- 7Listed on the Disclose Register
- Annual fund charge
- 0.22% to 0.95%Total, as a share of the amount invested
- Risk indicators
- 2 to 5 of 7Disclosed by the provider
- Combined fund size
- $19.36 billionAcross the open funds listed here
Every open fund in the ANZ KiwiSaver Scheme
Funds are listed from lowest to highest risk category, then by name. That is an order of risk, not of merit. A fund's own page is linked where Cam has built one.
| Fund | Category | Risk indicator | Annual fund charge | Fund size | Morningstar return |
|---|---|---|---|---|---|
| Cash Fund | Defensive | 2 of 7 | 0.22% | $1.32 billion | 2.8% (10-year) |
| Conservative Fund | Conservative | 4 of 7 | 0.60% | $1.59 billion | 3.5% (10-year) |
| Conservative Balanced Fund | Moderate | 4 of 7 | 0.72% | $1.80 billion | 4.7% (10-year) |
| Balanced Fund | Balanced | 4 of 7 | 0.86% | $3.89 billion | 6.0% (10-year) |
| Balanced Growth Fund | Growth | 4 of 7 | 0.89% | $4.16 billion | 7.3% (10-year) |
| Growth Fund | Growth | 4 of 7 | 0.95% | $5.58 billion | 8.6% (10-year) |
| High Growth Fund | Aggressive | 5 of 7 | 0.95% | $1.02 billion | Not yet available |
Source: the Disclose Register, read on 4 October 2026. Morningstar returns are annualised, after fees and before tax, from the Morningstar KiwiSaver Survey, the three months to 30 June 2026, published 30 July 2026. The risk indicator is the provider's own, on a scale of 1 to 7. Past performance does not guarantee future returns. A fund the Morningstar report does not cover, or covers with under three years of history, has no figure here.
Where the ANZ KiwiSaver Scheme sits in Cam's advice
This scheme is not on Cam's implementation panel. Cam still reviews and compares KiwiSaver providers and funds across the wider New Zealand market, and a recommendation may be to stay with your existing provider, whether or not it is on the panel. See the KiwiSaver provider comparison for the ten schemes he can implement a change through.
Where this comes from
Scheme and fund details are from the Disclose Register (opens in a new tab), read on 4 October 2026. The scheme was registered on 3 November 2016. Returns are from the same Morningstar report as the Morningstar returns comparison. Read the provider's current Product Disclosure Statement before you decide.
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Other schemes from ANZ New Zealand Investments Limited
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