Kōura KiwiSaver Scheme: funds, fees and returns
Run by Kōura Wealth Limited On Cam's implementation panel
The Kōura KiwiSaver Scheme is a KiwiSaver scheme run by Kōura Wealth Limited. It has 13 open funds on the Disclose Register, in the defensive, conservative, balanced, growth and aggressive categories, with annual fund charges of 0.63% to 1.10%. 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
- 13Listed on the Disclose Register
- Annual fund charge
- 0.63% to 1.10%Total, as a share of the amount invested
- Risk indicators
- 1 to 7 of 7Disclosed by the provider
- Combined fund size
- $484.7 millionAcross the open funds listed here
Every open fund in the Kōura 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 |
|---|---|---|---|---|---|
| New Zealand Cash Fund | Defensive | 1 of 7 | 0.63% | $8.4 million | 3.2% (5-year) |
| Conservative Strategy | Conservative | 3 of 7 | 0.75% | $71,407 | None reported |
| New Zealand Fixed Interest Fund | Conservative | 3 of 7 | 0.63% | $68.6 million | 2.4% (5-year) |
| Balanced Strategy | Balanced | 4 of 7 | 0.93% | $159,711 | None reported |
| Growth Strategy | Growth | 5 of 7 | 1.02% | $692,369 | None reported |
| Bitcoin Fund | Aggressive | 7 of 7 | 1.10% | $14.4 million | 25.9% (3-year) |
| Clean Energy Fund | Aggressive | 7 of 7 | 1.10% | $5.0 million | 8.7% (3-year) |
| Emerging Markets Equities Fund | Aggressive | 5 of 7 | 0.63% | $41.1 million | 11.0% (5-year) |
| New Zealand Equities Fund | Aggressive | 5 of 7 | 0.63% | $53.9 million | 1.2% (5-year) |
| NZ Property Fund | Aggressive | 5 of 7 | 1.10% | $3.3 million | -3.7% (3-year) |
| Rest of World Equities Fund | Aggressive | 5 of 7 | 0.63% | $62.5 million | 10.8% (5-year) |
| Strategic High Growth Fund | Aggressive | 5 of 7 | 1.10% | $44.9 million | Not yet available |
| US Equities Fund | Aggressive | 6 of 7 | 0.63% | $181.6 million | 13.1% (5-year) |
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.
How spread out are the funds?
Each fund page and the directory show how many holdings a fund lists and how much sits in its largest. In this scheme, New Zealand Cash Fund, Conservative Strategy, Balanced Strategy, Growth Strategy, Bitcoin Fund, Clean Energy Fund, Emerging Markets Equities Fund, Rest of World Equities Fund, Strategic High Growth Fund and US Equities Fund have 25% or more of the fund in a single holding. A fund that invests through another fund lists it as one holding, so a small count is not a fault. The risk indicator measures how much a fund's value has moved, not how concentrated it is.
How the Kōura KiwiSaver Scheme fits with Cam's advice
This scheme is on Cam's selected implementation panel of ten KiwiSaver schemes. Cam reviews and compares providers and funds across the wider New Zealand market, and a recommendation may be to stay where you are. Where a change is recommended, he can put it in place through a panel scheme. Being on the panel is not a recommendation to choose this scheme. How Solid Steele is paid depends on the scheme and is set out in the disclosure statement. See how the panel schemes compare in the KiwiSaver provider comparison.
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 30 September 2019. 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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