Pathfinder KiwiSaver Plan: funds, fees and returns
Run by Pathfinder Asset Management Limited On Cam's implementation panel
The Pathfinder KiwiSaver Plan is a KiwiSaver scheme run by Pathfinder Asset Management Limited. It has 4 open funds on the Disclose Register, in the conservative, balanced, growth and aggressive categories, with annual fund charges of 1.17% to 1.35%. 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
- 4Listed on the Disclose Register
- Annual fund charge
- 1.17% to 1.35%Total, as a share of the amount invested
- Risk indicators
- 3 to 4 of 7Disclosed by the provider
- Combined fund size
- $681.9 millionAcross the open funds listed here
Every open fund in the Pathfinder KiwiSaver Plan
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 |
|---|---|---|---|---|---|
| Pathfinder KiwiSaver Conservative Fund | Conservative | 3 of 7 | 1.17% | $28.9 million | 3.6% (5-year) |
| Pathfinder KiwiSaver Balanced Fund | Balanced | 4 of 7 | 1.30% | $156.3 million | 6.1% (5-year) |
| Pathfinder KiwiSaver Growth Fund | Growth | 4 of 7 | 1.35% | $422.6 million | 7.0% (5-year) |
| Pathfinder KiwiSaver High Growth Fund | Aggressive | 4 of 7 | 1.29% | $74.2 million | 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.
How the Pathfinder KiwiSaver Plan 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 15 July 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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