KiwiSaver Funds
Invest ethically, without compromising on returns
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 16 December 2021 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 | 10+ years (long term) | 5+ years | 3+ years |
Estimated fund fees | 1.29% p.a. | 1.14% p.a. | 0.84% p.a. |
Fund return since inception | 9.0% p.a. | 6.0% p.a. | 3.2% 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.

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.
Learn more about our investmentsWe're proud of our strong returns
Performance, unit price & market index comparison
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 29/05/2023 |
---|---|---|---|---|---|---|---|---|
KiwiSaver GrowthVS | 0.3% | 4.8% | 0.3% | 10.6% | - | - | 9.0% | $1.41 |
Morningstar® Target Allocation Index: Growth Multisector for New Zealand | 1.7% | 4.8% | 2.4% | 10.6% | 8.7% | 9.0% | 8.1% | |
KiwiSaver BalancedVS | 0.4% | 4.1% | 0.8% | 7.7% | - | - | 6.0% | $1.26 |
Morningstar® Target Allocation Index: Balanced Multisector for New Zealand | 1.4% | 4.4% | 1.7% | 7.3% | 6.8% | 7.3% | 5.9% | |
KiwiSaver ConservativeVS | 0.3% | 2.5% | 1.6% | 3.2% | - | - | 3.2% | $1.13 |
Morningstar® Target Allocation Index: Conservative Multisector for New Zealand | 0.8% | 3.5% | 0.5% | 1.4% | 3.0% | 3.8% | 1.8% |
Annualised performance and market index comparison as at 28/02/23 (after fees, 0% PIR). 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.
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 28 December 2022 has been lodged with the Registrar and is available to download here or on request from us.
Performance and market index comparison as at 30/04/2023 (after fees, 0% PIR)
Steph

Stephanie Muller Pallares, Matakana
"Pathfinder aligns with my values and gives me good returns.”

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generosity...
We donate 20% of our management fees annually to Kiwi charities.
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