Pathfinder KiwiSaver Plan Funds
Awarded Mindful Money's Best Ethical KiwiSaver Plan five years running
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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.
Strong Ethical Credentials
Our Growth, Balanced and Conservative KiwiSaver funds are independently certified by the Responsible Investment Association of Australasia (RIAA). A form of quality control, RIAA verify our investment process is fit-for-purpose, that our Funds are true-to-label and that we’re active stewards of your money.
Mindful Money (an independent charity providing transparency for investors in NZ) certifies the Pathfinder KiwiSaver Plan High Growth, Growth, Balanced and Conservative Funds as: Animal Cruelty Free, Weapons Free and Climate Friendly.
Compare our funds:
Choose the right fund for your risk tolerance.
| Pathfinder KiwiSaver Conservative | Pathfinder KiwiSaver Balanced | Pathfinder KiwiSaver Growth | Pathfinder KiwiSaver High Growth | |
|---|---|---|---|---|
| Return focus | Modest | Medium | Medium to High | High |
| Risk focus | Lower | Medium | Higher | Higher |
| Likely fluctuation in value | Less than the Balanced, Growth and High Growth Funds | More than Conservative Fund but less than Growth and High Growth Funds | More than the Balanced or Conservative Funds but less than the High Growth Fund | More than the Growth, Balanced or Conservative Funds |
| Minimum suggested time frame | 3+ years | 5+ years | 8+ years | 10+ years |
| Estimated fund fees | 1.20% p.a. | 1.30% p.a. | 1.35% p.a. | 1.27% p.a. |
| Fund return since inception | 4.13% p.a. | 7.55% p.a. | 10.01% p.a. | 20.60% p.a. |
Find 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 31 March 2026 (which replaces the PDS dated 3 April 2025) 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 our Pathfinder KiwiSaver Conservative, Balanced and Growth Funds is July 2019. Inception date for the Pathfinder KiwiSaver High Growth Fund is April 2025.
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.) | Since Inception* (p.a.) | Unit Price 18/06/2026 |
|---|---|---|---|---|---|---|---|
| Pathfinder KiwiSaver ConservativeVS | 1.08% | 0.80% | 3.92% | 5.25% | 3.67% | 4.13% | $1.32 |
| Benchmark: Morningstar® New Zealand Conservative Target Allocation Plus Net Return NZD | 1.01% | 1.26% | 5.24% | 5.28% | 2.57% | 3.26% | |
| Pathfinder KiwiSaver BalancedVS | 2.01% | 2.96% | 10.32% | 9.06% | 6.30% | 7.55% | $1.65 |
| Benchmark: Morningstar® New Zealand Balanced Target Allocation Plus Net Return NZD | 1.99% | 4.01% | 13.55% | 10.70% | 6.71% | 7.90% | |
| Pathfinder KiwiSaver GrowthVS | 2.44% | 3.98% | 13.81% | 10.69% | 7.32% | 10.01% | $1.92 |
| Benchmark: Morningstar® New Zealand Growth Target Allocation Plus Net Return NZD | 2.46% | 5.38% | 17.79% | 13.31% | 8.84% | 10.25% | |
| Pathfinder KiwiSaver High GrowthVS | 2.93% | 5.49% | 16.40% | - | - | 20.60% | $1.27 |
| Benchmark: Morningstar® New Zealand Aggressive Target Allocation Plus Net Return NZD | 3.12% | 7.23% | 23.48% | - | - | 27.91% |
Past performance is no guarantee of future return. We encourage all investors to seek financial advice prior to making investment decisions. Learn more about the Research IP awards here. *Inception date for our Conservative, Balanced, and Growth Funds: July 2019. The inception date for the High Growth Fund is April 2025.
The benchmark for each Fund changes from 30 April 2026 from the Morningstar® New Zealand Target Allocation Index series (100% of non-NZD Fixed Interest hedged to NZD) to the Morningstar® New Zealand Target Allocation Plus Index series (100% of non-NZD Fixed Interest, and 50% of international equities hedged to NZD) for a more aligned currency hedging policy on international equities. In each case, benchmarks are on a net return (‘NR’) basis, that is, including dividends net of withholding tax for relevant equity classes. Historical index returns are used to calculate benchmark performance prior to 30 April 2026. Read this article to learn more about the benchmark history.
Performance and market index comparison as at 31/05/2026 (after fees, 0% PIR)
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.
Emily
Emily O'Hara, Auckland
"Pathfinder helps me feel optimistic about what the future can hold.”
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