The InvestNow KiwiSaver Scheme

Build your own online KiwiSaver portfolio from 40+ available funds

The traditional KiwiSaver design pushes you to invest your KiwiSaver dollars into a single investment manager’s investment options, limiting your ability to diversify your KiwiSaver portfolio, which could impact your investment outcomes and retirement savings goals.

We’ve side-stepped this limitation by giving you the power of ‘And’ – you’re no longer limited by one investment manager’s expertise. We’ve built a single KiwiSaver Scheme that offers you the ability to truly diversify your investment – offering 40+ investment options from 15 expert investment managers.

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The InvestNow KiwiSaver Scheme lets you choose what's best for you

  • Choose not to pay KiwiSaver administration fees.
    Unlike other providers, the InvestNow KiwiSaver Scheme doesn’t charge any KiwiSaver administration fees to help you get the most out of your KiwiSaver portfolio.

  • Choose the price you pay.
    You pay for what you pick. Pick a cheap and efficient passive fund? Pay a cheap and efficient price. Pick a vigilantly managed active fund? Pay a vigilantly managed price. Pick a bit of everything? Pay a bit of everything. There are 40+ funds to choose from, including a range of cost-effective options to help you tailor a fee structure that fits your investing strategy.

  • Choose from a comprehensive range of  investment expertise.
    You can choose a combination of investment options from 15 expert investment managers, like Fisher Funds, Smart, Milford, Generate, and more.  

  • Choose to change what you’re invested in.
    If your circumstances change, you have the ability to change what you’re invested in, at any time, in just a few clicks.

Split your KiwiSaver investment across your choice of funds!

40+ Diversified & Single-Sector Funds to choose from

View and filter the full range of funds by various fund characteristics, including fee,
performance and product disclosure information here.

Underlying Fund Name
Foundation Series High Growth Fund
Generate Focused Growth Managed Fund
Milford Aggressive Fund

For more information on the funds and the fees that can apply, see the InvestNow KiwiSaver Scheme PDS and other disclosure material.

Underlying Fund Name
Fisher Funds Growth Fund
Foundation Series Growth Fund
Harbour Balanced Growth Fund
Milford Active Growth Fund
Mint Diversified Growth Fund
Pathfinder Ethical Growth Fund
Salt Capital Growth Fund
Smart Growth Fund

For more information, see the InvestNow KiwiSaver Scheme PDS and other disclosure material.

Castle Point 5 Oceans Fund
Foundation Series Balanced Fund
Mercer Responsible Balanced Fund
Milford Balanced Fund

For more information, see the InvestNow KiwiSaver Scheme PDS and other disclosure material.

Underlying Fund Name
Fisher Funds Conservative Fund
Milford Conservative Fund
Mint Diversified Income Fund

For more information, see the InvestNow KiwiSaver Scheme PDS and other disclosure material.

Underlying Fund Name
Antipodes Global Value Fund
Castle Point Trans-Tasman Fund
Clarity Global Shares Fund
Foundation Series Total World Fund
Foundation Series Hedged Total World Fund
Foundation Series US 500 Fund
Foundation Series Hedged US 500 Fund
Foundation Series US Dividend Equity Fund
Foundation Series Global ESG Fund
Foundation Series Nasdaq-100 Fund
Harbour Australasian Equity Focus Fund
Harbour NZ Core Fixed Interest Fund
Harbour T. Rowe Price Global Equity Fund
Hunter Global Fixed Interest Fund
Mercer All Country Global Shares Index Fund
Mercer Responsible Hedged Global Fixed Interest Index Fund
Mercer Global Listed Real Estate Fund
Mercer Macquarie NZ Cash Fund
Mercer Macquarie NZ Fixed Interest Fund
Mercer NZ Shares Passive Fund
Mint Australasian Equity Fund
Russell Investments Global Fixed Interest Fund
Russell Investments Global Shares Fund
Russell Investments Hedged Global Shares Fund
Russell Investments NZ Fixed Interest Fund
Salt Enhanced Property Fund
Te Ahumairangi Global Equity Fund

For more information, see the InvestNow KiwiSaver Scheme PDS and other disclosure material.

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Retirement Fund Calculator

Will your estimated retirement savings/investments be enough? Use our calculator to find out

Using the findings of the Massey University study, in addition to the current NZ Super entitlement, a two-person household would need a retirement nest egg of up to $252k for a simple ‘no-frills’ basic retirement in a provincial area, and over $1 million for a more comfortable ‘choices’ lifestyle in a main city (assuming you retire at age 65, earn no other income, live until age 90 and only draw on your lump sum savings when needed).

Your Estimated Annual Returns
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Things to know to help you do your KiwiSaver research…

Who manages your investment

The InvestNow KiwiSaver Scheme provides a vehicle for you to invest your KiwiSaver portfolio into investment options managed directly by leading New Zealand and global investment managers. These investment managers go through a detailed quality screening process to make sure they’re fit to handle your funds with care.
Learn more.

Historical fund performance

Each underlying fund in the InvestNow KiwiSaver Scheme exists outside of KiwiSaver with the same fees and charges, and is expected to perform in-line with the underlying fund. Your KiwiSaver investments are managed directly by the investment managers you choose in the InvestNow KiwiSaver Scheme.
Learn more.

Switching KiwiSaver providers

It takes less than 2 minutes to get started with the InvestNow KiwiSaver Scheme. You can choose your investments and submit your application online. Once your application is submitted, it takes approximately 10 days for the transfer from your current provider to be complete.
Start online application. 

“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”. – MoneyHub

Join the InvestNow KiwiSaver Scheme today

Submit an application, manage your investments, and view portfolio performance easily from your online account