Invest smarter with the award-winning
Foundation Series Funds – Now available in KiwiSaver

Get more out of your KiwiSaver portfolio with some of the most cost-effective funds for long-term Kiwi investors.

The InvestNow KiwiSaver Scheme now offers the full range of 10 investment options from the Foundation Series Funds range, designed to help everyday Kiwis grow their wealth efficiently.

Offering long-term investors access to some of the most cost-efficient investment funds in the market and with the added bonus of no KiwiSaver admin fees, the Foundation Series Funds are designed to make it easier to achieve your long-term KiwiSaver goals.

Featuring a broad range of diversified and single-sector options, including the US 500, Total World, Dividend and ESG-focused funds, alongside the recently launched Nasdaq-100 and High Growth Funds – building a cost-effective, globally diversified KiwiSaver portfolio has never been easier.

Build a KiwiSaver portfolio that works harder for you with the Foundation Series Funds.

Foundation Series Funds in KiwiSaver – Key Features:

  • Long-Term Cost Efficiency: The Funds’ offer different pathways to long-term value, including a range of Diversified Funds with all-in fee of just 0.37% p.a, as well as range of Core Equity Funds that feature some of the lowest management fees in NZ, paired with 0.50% buy/sell transaction fees to optimise costs for long-term investors. Plus with the InvestNow KiwiSaver Scheme, enjoy no additional KiwiSaver admin fees.
  • World-Class Investments: Get exposure to popular ETFs for your KiwiSaver portfolio, like the Vanguard S&P 500 ETF, Vanguard Total World Stock ETF, and Invesco NASDAQ-100 ETF in a convenient NZ dollar denominated structure.
  • Tax Efficiency: The PIE structure simplifies tax, automatically managing your KiwiSaver tax obligations and capping your rate at just 28% (versus up to 39% if investing into offshore ETFs outside of the PIE structure).
  • Flexible Options: Choose from 10 investment options from the Foundation Series Funds, including diversified, single-sector, ESG-focused, and high-growth options, plus 35 additional funds from the wider InvestNow KiwiSaver Scheme range.

Favourite KiwiSaver Innovation – InvestNow KiwiSaver Scheme

MoneyHub’s editor Christopher Walsh says:

“There’s a lot to like about InvestNow KiwiSaver, and we believe it has strong appeal for the DIY investor types who want more control of where their money goes. We also like that InvestNow doesn’t charge the annual membership or administration fee and gives access to exclusive fund managers who don’t offer their funds to KiwiSaver outside of InvestNow members”.

Underlying Fund Description Type Manager Sector PDS PDS Fee QFU Fee Buy/Sell Spread Buy/Sell Transaction Fee 1 Month 3 Months 6 Months 1 Year 3 Years 5 Years 10 Years Risk Indicator Target Growth/Income Assets Management Style Fund Type Net Assets Inception Date Distribution Frequency Buy Timeframe Sell Timeframe Smart Investor External Website
Foundation Series Balanced Fund Provides exposure to a diversified fund that invests in a balance of income and growth assets. The underlying fund incorporates certain responsible investment considerations and is exposed to investment strategies that seek to limit exposure to companies involved in specific business practices. Aims to provide returns that are broadly in line with the return of the underlying fund’s investment benchmark before fees and tax over the long-term. Managed Funds & KiwiSaver InvestNow Diversified 0.37% 0.36% 0% / 0% 0% / 0% −0.61% −0.52% 4.99% 7.31% 10.73% 6.24% – 4 60% / 40% Passive PIE $46.7M 02/09/2020 – 2 Days 2 Days
Foundation Series Global ESG Fund Provides exposure to a single sector fund that invests into Exchange-Traded Funds (‘ETFs’) that in turn invests in shares of large, mid-sized and small companies listed on international stock markets. The underlying fund incorporates certain responsible investment considerations and is exposed to investment strategies that seek to limit exposure to companies involved in particular business practices. Aims to provide returns that are broadly in line with the return of the underlying fund’s investment benchmark before fees and tax over the long-term. Managed Funds & KiwiSaver InvestNow International Equities 0.10% 0.10% 0% / 0% 0.50% / 0.50% -2.91% -2.45% 9.48% – – – – 5 100% / 0% Passive PIE $5.70M 04/03/2025 – 2 Days 2 Days
Foundation Series Growth Fund Provides exposure to a diversified fund that invests in a portfolio weighted towards growth assets but with some income asset exposure. The underlying fund incorporates certain responsible investment considerations and is exposed to investment strategies that seek to limit exposure to companies involved in specific business practices. Aims to provide returns that are broadly in line with the return of the underlying fund’s investment benchmark before fees and tax over the long-term. Managed Funds & KiwiSaver InvestNow Diversified 0.37% 0.38% 0% / 0% 0% / 0% −0.84% −0.47% 5.97% 8.15% 12.80% 8.27% – 4 80% / 20% Passive PIE $63.83M 02/09/2020 – 2 Days 2 Days
Foundation Series Hedged Total World Fund Provides exposure to a single sector fund that invests into an Exchange-Traded Fund (‘ETF’) that in turn invests in shares of large, mid-sized and small companies listed on international stock markets. Aims to provide returns that are broadly in line with the return of the underlying fund’s investment benchmark before fees and tax over the long-term. The underlying fund aims to have all foreign currency exposure hedged to the New Zealand dollar. Managed Funds & KiwiSaver InvestNow International Equities 0.06% 0.07% 0% / 0% 0.50% / 0.50% 2.28% 2.79% 11.35% 17.62% – – – 6 100% / 0% Passive PIE $81.58M 05/02/2024 – 2 Days 2 Days
Foundation Series Hedged US 500 Fund Provides exposure to a single sector fund that invests into an Exchange-Traded Fund (‘ETF’) that in turn invests in shares of the largest companies listed on stock markets in the United States. Aims to provide returns that are broadly in line with the return of the underlying fund’s investment benchmark before fees and tax over the long-term. The underlying fund aims to have all foreign currency exposure hedged to the New Zealand dollar. Managed Funds & KiwiSaver InvestNow International Equities 0.03% 0.03% 0% / 0% 0.50% / 0.50% 1.26% 1.22% 9.19% 14.32% – – – 6 100% / 0% Passive PIE $41.94M 05/02/2024 – 2 Days 2 Days
Foundation Series High Growth Fund Provides exposure to a diversified fund that invests in a portfolio of predominantly growth assets but with a small amount of income asset exposure. The underlying fund incorporates certain responsible investment considerations and is exposed to investment strategies that seek to limit exposure to companies involved in specific business practices. Aims to provide returns that are broadly in line with the return of the underlying fund’s investment benchmark before fees and tax over the long-term. Managed Funds & KiwiSaver InvestNow Diversified 0.37% 0.37% 0% / 0% 0% / 0% -1.12% -0.85% 8.47% – – – – 5 98% / 2% Passive PIE $9.0M 04/03/2025 – 2 Days 2 Days
Foundation Series Nasdaq-100 Fund Provides exposure to a single sector fund that invests into an Exchange-Traded Fund (‘ETF’) that in turn invests in shares of the largest non-financial companies listed on the Nasdaq stock exchange. Aims to provide returns that are broadly in line with the return of the underlying fund’s investment benchmark before fees and tax over the long-term. Managed Funds & KiwiSaver InvestNow International Equities 0.15% 0.15% 0% / 0% 0.50% / 0.50% -3.76% -6.26% 7.69% – – – – 6 100% / 0% Passive PIE $23.2M 05/06/2025 – 2 Days 2 Days
Foundation Series Total World Fund Provides exposure to a single sector fund that invests into an Exchange-Traded Fund (ETF) that in turn invests in shares of large, mid-sized and small companies listed on international stock markets. Aims to provide returns that are broadly in line with the return of the underlying fund’s investment benchmark before fees and tax over the long-term. Managed Funds & KiwiSaver InvestNow International Equities 0.06% 0.07% 0% / 0% 0.50% / 0.50% −1.98% −1.28% 10.47% 14.47% 21.23% – – 5 100% / 0% Passive PIE $469.81M 07/11/2022 – 2 Days 2 Days
Foundation Series US 500 Fund Provides exposure to a single sector fund that invests into an Exchange-Traded Fund (ETF) that in turn invests in shares of the largest companies listed on exchanges in the United States. Aims to provide returns that are broadly in line with the return of the underlying fund’s investment benchmark before fees and tax over the long-term. Managed Funds & KiwiSaver InvestNow International Equities 0.03% 0.03% 0% / 0% 0.50% / 0.50% −3.56% −3.67% 7.45% 8.74% 23.75% – – 5 100% / 0% Passive PIE $230.38M 07/11/2022 – 2 Days 2 Days
Foundation Series US Dividend Equity Fund Provides exposure to a single sector fund that invests into an Exchange-Traded Fund (ETF) that in turn invests in high dividend yielding shares issued by companies in the United States that have a record of consistently paying dividends. Aims to provide returns that are broadly in line with the return of the underlying fund’s investment benchmark before fees and tax over the long-term. Managed Funds & KiwiSaver InvestNow International Equities 0.06% 0.06% 0% / 0% 0.50% / 0.50% 3.35% 5.72% 10.13% – – – – 5 100% / 0% Passive PIE $8.70M 04/03/2025 Quarterly 2 Days 2 Days

Important Information

  • For a description of what each column heading means, please click here.
  • The performance figures are for periods ending 31 January 2026.
  • Past performance is not a guarantee of future returns. Returns are calculated after fund fees but exclude any associated buy/sell spreads, swing pricing adjustments and buy/sell transaction fees. Returns are before tax and denominated in NZD. Performance figures over 1 year are annualised.
  • Performance data is sourced from Morningstar or from the underlying fund manager.
  • For any funds offered within the InvestNow KiwiSaver Scheme, the fund performance figures outlined are for the underlying funds that it invests into.
  • Please note, the PDS fee is the manager’s estimated total annual fund charge as stated in the Product Disclosure Statement (PDS) for this fund. The Quarterly Fund Update (QFU) Fee is the latest actual total annual fund charge reported by the fund for its most recent financial year, as stated in the fund’s most recent Quarterly Fund Update. Both figures include any applicable GST as well as any performance-based fees if applicable.
  • Transaction-based charges may also apply when you buy or sell a fund, which could include buy/sell spreads (as outlined in the buy/sell spread column), or swing pricing adjustments (denoted by * in the buy/sell spread column) or buy/sell transaction fees (as outlined in the buy/sell transaction fee column). Please see the PDS for further details on the fund charges that can apply.
  • Managed funds in New Zealand must have a standard risk indicator. The risk indicator is designed to help investors understand the uncertainties both for loss and growth that may affect their investment. You can compare funds using the risk indicator – 1 is lower risk and potentially lower returns, while 7 is higher risk and potentially higher returns.
 
The Foundation Series Funds are subject to Transaction Fees of 0.50% for all investments (Buy Transaction Fee) and 0.50% for all redemptions (Sell Transaction Fee) within the following Funds:
  • Foundation Series US 500 Fund
  • Foundation Series Hedged US 500 Fund
  • Foundation Series Total World Fund
  • Foundation Series Hedged Total World Fund
  • Foundation Series US Dividend Equity Fund
  • Foundation Series Global ESG Fund
  • Foundation Series Nasdaq-100 Fund

Why Choose the Foundation Series Funds for KiwiSaver?

“At InvestNow, we believe high fees shouldn’t eat into your long-term retirement savings”

“With the full range Foundation Series Funds now in KiwiSaver, long-term Kiwi investors can access world-class investments through some of the most cost-effective funds in the market. Whether you want high-growth tech exposure, global diversification, dividend-focused or ESG-tilted investing, we’ve built a quality selection of funds to help meet a variety of investment needs”.

Jason Choy, InvestNow Senior Portfolio Manager

Start building your KiwiSaver portfolio today with InvestNow

While choosing your investments and service provider, it is important to consider the overall cost of the investment, which includes management fees, tax efficiency, platform fees etc.

You can view and download the Product Disclosure Statement (PDS) for the InvestNow KiwiSaver Scheme  here.

Please note:

When choosing your investments and service provider it is important to consider the overall fees and charges relating to the investment, which include, but are not necessarily limited to, management fees, platform fees, and tax. These fees and charges can impact returns.

InvestNow does not provide personalised investment advice. We are one component of a person’s financial landscape and actively promote that our customers seek personalised advice from qualified financial advisers who are independent of InvestNow.

FundRock NZ Limited is the issuer of the Foundation Series Funds scheme and the InvestNow KiwiSaver Scheme. Neither FundRock NZ Limited, InvestNow nor any other party guarantee any returns. You can view and download the Product Disclosure Statements for the InvestNow KiwiSaver Scheme here and for the Foundation Series Funds here.