Kiwisaver High Growth Fund

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Enhanced risk, likely enhanced long-term returns

Looking to invest for at least 10 years? This Fund could be the one for you

If you are seeking a long-term growth option, this Fund might be a match because it has the largest percentage invested in growth assets – such as shares and property. This Fund will likely have the most (and biggest) ups and downs compared to our other Funds but overall the highest long-term returns.
Read Fact SheetJoin the High Growth Fund

Return focus:

High

Minimum suggested time frame:

10+ years

Risk focus:

High

Estimated fund fees:

1.27% p.a.

Which fund is right for you?

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What we don’t invest in:

We seek to avoid investments in activities that disrespect people, our planet and animals (some examples below). Note that this list is not exhaustive and we may still hold investments in these areas as we apply revenue thresholds and grant exceptions in limited circumstances. We may also have limited information about an investment’s involvement in a particular activity. Please hover over any ? icons for more details or read our Ethical Investment Policy or our Exceptions Register.

  • Factory Farming

  • Alcohol?

    We allow investments in companies that do not derive more than 5% of identifiable revenue from alcohol beverage production, processing, manufacture, or sales. See our Ethical Investment Policy for more details.

  • Palm Oil & GMOs?

    We permit investments in companies that derive no more than 5% of identifiable revenue from the commercialised production and sale of GMOs, or no more than 5% of revenue from the sale of palm oil and palm oil products. See our Ethical Investment Policy for more details.

  • Weapons?

    We permit investment in companies that derive no more than 5% of identifiable income from the production and distribution of conventional weapons and their components. We allow investments in companies that earn no more than 50% of identifiable income from non-weapons related services or products to the military. See our Ethical Investment Policy for more details.

  • Adult Entertainment?

    We permit investments in companies that derive no more than 5% of identifiable revenue from the production or distribution of adult entertainment material. See our Ethical Investment Policy for more details.

  • Tobacco?

    We allow investments in companies that do not derive more than 10% of identifiable revenue from the sale of tobacco related products and services. See our Ethical Investment Policy for more details.

  • Gambling?

    We will allow investments in companies that derive no more than 5% of identifiable revenue from owning or operating gambling establishments. See our Ethical Investment Policy for more details.

  • Fossil Fuel?

    We permit investments in companies that do not derive more than 5% of identifiable revenue from the exploration, extractive, conversion (with respect to thermal coal) or distribution (except by rail) of fossil fuels. See our Ethical Investment Policy for more details. We can (and do) in exceptional circumstances permit investment in a company connected with Fossil Fuel - such exceptions are approved on a case-by-case basis by the Ethics and Investment Committee. A register of exceptions is available under the 'Documents and Forms' page.

  • Animal Testing?

    Animal testing is a complex area for investing. See our Ethical Investing Policy for details of our approach. We can (and do) in exceptional circumstances permit investment in a company connected with animal testing - such exceptions are approved on a case-by-case basis by the Ethics and Investment Committee. A register of exceptions is available here.

Risk Level

This Fund is suited to an investor with a high tolerance to risk and a minimum investment timeframe of 10+ years.

Lower Risk

Potentially Lower Returns

1
2
3
4
5
6
7

Higher Risk

Potentially Higher Returns

The risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the Fund's assets goes up and down (volatility). This risk indicator is not a guarantee of a fund's future performance. A higher risk generally means higher potential returns over time, but more ups and downs along the way. Risk levels are per the latest Quarterly Fund Update.

Compare our funds.

Choose the right fund for your risk tolerance and goals.

KiwiSaver ConservativeKiwiSaver BalancedKiwiSaver GrowthKiwiSaver High Growth
Return focusModestMediumMedium to HighHigh
Risk focusLowerMediumHigherHigh
Likely fluctuation in valueLess than the Balanced or Growth FundsMore than Conservative Fund but less than Growth FundMore than the Balanced or Conservative FundsMore than the Growth, Balanced or Conservative Funds
Minimum suggested time frame3+ years5+ years8+ years10+ years
Estimated fund fees0.96% p.a.1.17% p.a.1.28% p.a.1.27% p.a.
Fund return since inception4.2% p.a.7.1% p.a.9.4% p.a.

Investor Notes

Diversification

The fund is diversified across asset classes, industries and geographies. We use environmental, social and governance metrics, as well as financial metrics when making investment decisions.

Target Investment

4.0% Cash & Cash Equivalents
2.0% New Zealand Fixed Interest
4.0% International Fixed Interest
19.0% Australasian Equities
59.0% International Equities
5.0% Listed Property
7.0% Other Assets

Number of Holdings

Approximately 200

Asset Class

Cash (and Cash Equivalents)
NZ Fixed Interests, International
Fixed Interests, Australasian Equities,
International Equities, Listed Property,
Other Assets

Investment Horizon

10+ years

Benchmark

Morningstar® Target Allocation Index™: Aggressive Multisector for New Zealand (non-New Zealand Fixed Interest 100% hedged to NZD. The index is gross of dividends and tax except for International Equities and International Listed Properties, which are gross of dividends after deducting the tax withheld)

Current Hedging Target

100% of non-NZD Fixed Income exposure
50% of other non-NZD exposure

Investor Documents

Pathfinder KiwiSaver Plan Other Material Information - PDFPathfinder KiwiSaver Plan Product Disclosure Statement - PDFPathfinder KiwiSaver Plan Statement of Investment Policy and Objectives - PDFPathfinder KiwiSaver Plan Fact Sheet - PDF
Historical fund updates

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Kiwisaver Fund FAQs

How can I make a deposit into my KiwiSaver account?

You can make contributions into your KiwiSaver account at any time, just remember that these contributions will be saved until you either a) purchase your first home or b) turn 65. You can add to your ...

Am I eligible to join KiwiSaver?

Depending on your situation, you can enroll directly with a provider (like Pathfinder), if:- you live in New Zealand, and- you are a New Zealand citizen (or entitled to live in New Zealand indefinitel ...

Are my KiwiSaver returns guaranteed?

Unfortunately, no KiwiSaver returns are guaranteed. Just like all investments, KiwiSaver returns are likely to go up and down over time.Our investment team works hard to respond to market conditions a ...

Can I access my KiwiSaver account before age 65?

In some circumstances, yes. It’s important to remember that your KiwiSaver is a first home and retirement savings scheme, which means that, other than in these situations, it can only be withdrawn in  ...

How do I apply for a first home withdrawal?

If you’ve been a member of KiwiSaver for three years, you may be able to use some of your KiwiSaver savings to buy your first home. Please complete our First or Second-Chance Home Withdrawal form and  ...

Can I put my KiwiSaver contributions on hold?

In most circumstances, you can put your KiwiSaver contributions (that are automatically contributed from your paycheck) on hold after being in the KiwiSaver scheme for 12 months.This is called a Savin ...

How do I change fund type?

It’s very easy to change your fund type - just fill out the KiwiSaver Plan Switch Form , send it via email to info@pathfinder.kiwi, and we’ll take care of the rest. It will take up to 5 working days f ...

What are my options when I turn 65?

Your KiwiSaver funds are accessible once you turn 65. After your 65th birthday, you can choose how you would like to access your funds. You can:Withdraw some of your savingsLeave your savings invested ...

Can I transfer my Australian Super into KiwiSaver?

In most cases, yes. As long as your superannuation scheme in Australia is a complying scheme, you can choose to transfer your funds into your KiwiSaver account – and we can help make this process as e ...

Can people under the age of 18 join KiwiSaver?

It is never too early to start saving for your future and you can join at any age.If you’re under 18 but over 16, you will need at least one legal guardian to co-sign your application. If you don’t ha ...

I have a KiwiSaver account, how do I set up a managed fund account?

Use the joining form on the website for managed funds. Even though you already have a KiwiSaver account with us, there are different regulations around managed funds and we require slightly different  ...

What KiwiSaver fund should I choose?

To answer this, you need to ask yourself: what do I want to achieve from my KiwiSaver investment?Saving for your first home, wanting to access your KiwiSaver within 5 years and not looking for many u ...

How do I contribute once I've turned 65?

Once you turn 65, your KiwiSaver fund becomes like any other investment fund. Contributing to your KiwiSaver becomes completely optional. You can stop your contributions at any point, or you can conti ...

How can I check my balance?

You can check your balance (for both KiwiSaver and Managed Funds) online by logging into our member portal (top right-hand corner of the website).Our online member’s portal allows you to track your ba ...

Why can't I see my funds yet?

If you have switched to us from another KiwiSaver provider, it typically takes 10 working days for us to receive your funds (the maximum timeframe is 35 days). Once they've been received and inv ...

Do you have an app?

We use a web-based Portal which operates like an App, and you can add it to your phone.To add the Portal to your IOS device:- Open the Safari App and go to the Portal website.- Select the Share icon   ...

Can I set up an account for a minor?

Absolutely! Members under 16 will need both legal guardians to sign the application form. Members over 16 and under 18 need one legal guardian to sign the application form. When you complete the onlin ...

How do I log in?

After you have opened an account, we have received your funds and they're invested, you will receive an email with a link to register for our member portal. If you haven't received your emai ...

How do I apply for serious illness withdrawal?

If you have an illness, injury or disability that permanently affects your ability to work, or poses a risk of death, you may be eligible to withdraw your KiwiSaver funds early. You can withdraw the t ...

Can I split my KiwiSaver between fund types?

You’re welcome to decide exactly how your KiwiSaver contributions are split between the different fund types, as long as the total adds up to 100%.For example, you could choose to have your current an ...

Can I use my KiwiSaver to buy a first home?

If you have been a member of a KiwiSaver scheme for 3 years, and you haven’t made a first home withdrawal before, you may be able to withdraw some of your KiwiSaver when buying a first home. To be el ...

How much does my employer pay into my KiwiSaver account?

If you're a KiwiSaver member making contributions from your pay, your employer must also make contributions into your account (these are called your employee/employer contributions). Employer con ...

What are the minimum contribution rates?

If you are employed, you must contribute a minimum of 3% of your gross salary or wage. You can choose to increase the 3% to 4%, 6%, 8% or 10%, and to reduce it back to 3% whenever you choose.If you ar ...

What are your KiwiSaver fund fees?

The management fee of 1.25% is paid to us for the investment management and operation of the Fund. This fee is calculated as a percentage of the net asset value of the Fund, covering the cost of Pathf ...

How do Government contributions work?

To help you save, the Government will make an annual contribution into your KiwiSaver account as long as you're between the ages of 18 and 65 and are living in New Zealand.  The math is simple: f ...

How do I apply for a KiwiSaver financial hardship withdrawal?

Because KiwiSaver is a retirement/first home savings scheme, the funds are locked in place and saved for these instances. If, however, you are suffering, or likely to suffer from significant financial ...

Why isn't my deposit showing in my KiwiSaver balance?

After you send your deposit, it takes a couple of days for the funds to be processed and be invested. It takes approximately 2 days after the deposit is sent for it to be processed, but in some cases ...

What's the difference between active and passive managers?

These terms refer to different types of fund providers.Passive managers follow a set of indexes (that is, a group of investments that is used to measure the performance of a particular market. For exa ...

How many companies in KiwiSaver are invested locally compared to internationally?

Our KiwiSaver Plan targets just under one third of all investments to be held in Trans-Tasman shares, New Zealand fixed interest investments. Read more in our Statement of Investment Policy and Object ...