KiwiSaver Funds
Awarded Mindful Money's Best Ethical KiwiSaver four years running
Let’s get startedFind the fund for you:
Our Product Disclosure Statement (PDS) contains information to help you decide whether to invest in our funds. We review and update it regularly. Our latest PDS dated 3 April 2025 (which replaces the PDS dated 25 July 2024) has been lodged with the Registrar and is available to download here or on request from us. Units in the Funds are issued by Pathfinder Asset Management Limited.
Inception date for all KiwiSaver Funds is July 2019.
Compare our funds:
Choose the right fund for your risk tolerance.
| KiwiSaver Growth | KiwiSaver Balanced | KiwiSaver Conservative | |
|---|---|---|---|
| Return focus | Medium to High | Medium | Modest |
| Risk focus | Higher | Medium | Lower |
| Likely fluctuation in value | More than the Balanced or Conservative Funds | More than Conservative Fund but less than Growth Fund | Less than the Balanced or Growth Funds |
| Minimum suggested time frame | 8+ years | 5+ years | 3+ years |
| Estimated fund fees | 1.28% p.a. | 1.17% p.a. | 0.96% p.a. |
| Fund return since inception | 9.0% p.a. | 6.8% p.a. | 4.1% p.a. |
We’re active managers, not passive.
This means we choose the assets in our portfolios, investing with the best ethical and economic performance in mind. We’ve been awarded for quality returns by Research IP, and for ethical investing by Mindful Money & our KiwiSaver funds are certified by the Responsible Investment Association Australasia.
What makes us different?
We invest for the world we want.
With a strong focus on quality returns.
Leaders in ethical investing for over a decade, we’re working to leave things better than how we found them.
Pick Pathfinder and you’ll be investing in...
We focus on investing positively. This includes selecting well-managed, quality companies that meet our ethical standards and, where we can, private companies that have real-world impact.
We're proud of our strong returns
Performance, Comparison Against Benchmark and Unit Price
To help you evaluate the performance of our funds, we compare them against a 'benchmark' that is independent and repetitive of the assets and markets that our funds invest in.
| Fund | 1 Month | 6 Month | 1 Year | 3 Years (p.a.) | 5 Years (p.a.) | 10 Years (p.a.) | Since Inception* (p.a.) | Unit Price 16/04/2025 |
|---|---|---|---|---|---|---|---|---|
| KiwiSaver GrowthVS | -4.0% | -1.6% | 2.8% | 4.8% | 10.6% | - | 9.1% | $1.56 |
| Benchmark: Morningstar® Target Allocation Index: Growth Multisector for New Zealand | -3.1% | 3.7% | 7.3% | 7.1% | 12.1% | - | 9.0% | |
| KiwiSaver BalancedVS | -2.9% | -0.9% | 3.8% | 4.8% | 7.9% | - | 6.8% | $1.40 |
| Benchmark: Morningstar® Target Allocation Index: Balanced Multisector for New Zealand | -2.3% | 2.9% | 6.7% | 5.7% | 9.1% | - | 6.9% | |
| KiwiSaver ConservativeVS | -0.8% | 0.7% | 4.4% | 3.9% | 4.0% | - | 4.1% | $1.24 |
| Benchmark: Morningstar® Target Allocation Index: Conservative Multisector for New Zealand | -0.6% | 1.2% | 5.1% | 2.7% | 3.3% | - | 2.9% |
Past performance is no guarantee of future return. We encourage all investors to seek financial advice prior to making investment decisions. Details of each market index can be found in our SIPO. *31/07/19 (date of inception).
The Morningstar® Target Allocation Index: Growth Multisector for New Zealand is used to calculated market index returns for performance period after 1 December 2022. Earlier market index returns are calculated using the composite indices described here.
The Morningstar® Target Allocation Index: Balanced Multisector for New Zealand is used to calculated market index returns for performance period after 1 December 2022. Earlier market index returns are calculated using the composite indices described here.
The Morningstar® Target Allocation Index: Conservative Multisector for New Zealand is used to calculated market index returns for performance period after 1 December 2022. Earlier market index returns are calculated using the composite indices described here.
Performance and market index comparison as at 31/03/2025 (after fees, 0% PIR)
Emily
Emily O'Hara, Auckland
"Pathfinder helps me feel optimistic about what the future can hold.”
We’re into
generosity...
We've donated over $1 million to Kiwi charities since we launched.
From 1 April 2024, we have been dedicating 1% of revenue from across our whole business (this covers all our retail managed funds as well as our KiwiSaver funds) to support our vision for a better future happening faster.
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