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 managers 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. We make the underlying investment managers pay, so you don’t have to.

  • Choose from some of the lowest fund management fees in the KiwiSaver market.
    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 with fund management fees starting from just 0.03% p.a.

  • 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.

Fund Name

Fee*
Foundation Series High Growth Fund 0.37%
Generate Focused Growth Managed Fund 1.36%
Milford Aggressive Fund 1.15%

For more information, see the InvestNow KiwiSaver Scheme PDS and other disclosure material. *Fees refers to individual management fee and fund charges. Fees are estimated as a percentage per annum of the Fund’s net asset value and include GST, where applicable. Performance-based fees may apply and have been included in the fee estimate where appropriate. Buy/sell spreads or swing pricing adjustments may also apply to investments and/or redemptions – see the Fees and Charges Table for the current spreads/adjustments.

Fund Name

Fee*
Fisher Funds Growth Fund 1.04%
Foundation Series Growth Fund 0.37%
Harbour Active Growth Fund 1.05%
Milford Active Growth Fund 1.25%
Mint Diversified Growth Fund 1.21%
Pathfinder Ethical Growth Fund 1.25%
Salt Capital Growth Fund 1.11%
Smart Growth Fund 0.51%

For more information, see the InvestNow KiwiSaver Scheme PDS and other disclosure material. *Fees refers to individual management fee and fund charges. Fees are estimated as a percentage per annum of the Fund’s net asset value and include GST, where applicable. Performance-based fees may apply and have been included in the fee estimate where appropriate. Buy/sell spreads or swing pricing adjustments may also apply to investments and/or redemptions – see the Fees and Charges Table for the current spreads/adjustments.

Fund Name

Fee*
Castle Point 5 Oceans Fund 1.31%
Foundation Series Balanced Fund 0.37%
Mercer Sustainable Balanced Fund 1.32%
Milford Balanced Fund 1.07%

For more information, see the InvestNow KiwiSaver Scheme PDS and other disclosure material. *Fees refers to individual management fee and fund charges. Fees are estimated as a percentage per annum of the Fund’s net asset value and include GST, where applicable. Performance-based fees may apply and have been included in the fee estimate where appropriate. Buy/sell spreads or swing pricing adjustments may also apply to investments and/or redemptions – see the Fees and Charges Table for the current spreads/adjustments.

Fund Name

Fee*
Fisher Funds Conservative Fund 0.93%
Milford Conservative Fund 0.85%
Mint Diversified Income Fund 0.98%

For more information, see the InvestNow KiwiSaver Scheme PDS and other disclosure material. *Fees refers to individual management fee and fund charges. Fees are estimated as a percentage per annum of the Fund’s net asset value and include GST, where applicable. Performance-based fees may apply and have been included in the fee estimate where appropriate. Buy/sell spreads or swing pricing adjustments may also apply to investments and/or redemptions – see the Fees and Charges Table for the current spreads/adjustments.

Fund Name

Fee*
Antipodes Global Value Fund 0.95%
Castle Point Trans-Tasman Fund 1.07%
Clarity Global Shares Fund 1.06%
Foundation Series Total World Fund^ 0.06%
Foundation Series Hedged Total World Fund^ 0.06%
Foundation Series US 500 Fund^ 0.03%
Foundation Series Hedged US 500 Fund^ 0.03%
Foundation Series US Dividend Equity Fund^ 0.06%
Foundation Series Global ESG Fund^ 0.10%
Foundation Series Nasdaq-100 Fund^ 0.15%
Harbour Australasian Equity Focus Fund 1.36%
Harbour NZ Core Fixed Interest Fund 0.65%
Harbour T. Rowe Price Global Equity Fund 1.20%
Hunter Global Fixed Interest Fund 0.53%
Mercer All Country Global Shares Index Fund 0.46%
Mercer Responsible Hedged Global Fixed Interest Index Fund 0.44%
Mercer Macquarie Global Listed Real Estate Fund 1.36%
Mercer Macquarie NZ Cash Fund 0.30%
Mercer Macquarie NZ Fixed Interest Fund 0.60%
Mercer NZ Shares Passive Fund 0.34%
Mint Australasian Equity Fund 1.19%
Russell Investments Global Fixed Interest Fund 0.58%
Russell Investments Global Shares Fund 0.86%
Russell Investments Hedged Global Shares Fund 0.88%
Russell Investments NZ Fixed Interest Fund 0.50%
Salt Enhanced Property Fund 1.08%
Te Ahumairangi Global Equity Fund 0.62%

For more information, see the InvestNow KiwiSaver Scheme PDS and other disclosure material. *Fees refers to individual management fee and fund charges. Fees are estimated as a percentage per annum of the Fund’s net asset value and include GST, where applicable. Performance-based fees may apply and have been included in the fee estimate where appropriate. Buy/sell spreads or swing pricing adjustments may also apply to investments and/or redemptions – see the Fees and Charges Table for the current spreads/adjustments. ^The 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 and Foundation Series Nasdaq-100 Fund are subject to a transaction fee charge of 0.50% for all Buy Orders (Entry Fee) and 0.50% for all Sell Orders (Exit Fee).

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

Join the InvestNow KiwiSaver Scheme today

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