Long-term track record · ranked on the data
Best long-term KiwiSaver funds in NZ (2026)
The funds that have actually delivered for their members over the long run. We prefer 10-year track records where managers publish them; for funds without 10-year history we use the longest available period (5 years minimum). Past performance is not a reliable indicator of future performance, but the record shows which managers have consistently turned market growth into KiwiSaver growth.
General information only · Past performance is not a reliable indicator of future performance · Returns shown are historical (Morningstar Morningstar KiwiSaver 360, Q1 2026), net of fund fees at 28% PIR. For personal advice on which fund fits you, run our free Health Check or get in touch.
Smiths' top 5
The 5we'd look at first.
- 1
Uncategorised
Quaystreet International Equity Fund
Quaystreet Kiwisaver Scheme
15.72% annualised · Uncategorised · 1.27% fees
- 2
Uncategorised
Amp International Shares Fund No. 2
Amp Kiwisaver Scheme
12.77% annualised · Uncategorised · 0.86% fees
- 3
Uncategorised
Amp International Shares Fund
Amp Kiwisaver Scheme
12.58% annualised · Uncategorised · 0.85% fees
- 4
Growth
Quaystreet Growth Fund
Quaystreet Kiwisaver Scheme
10.21% annualised · Growth · 1.37% fees
- 5
Aggressive
Sbs Wealth High Growth Fund
Sbs Wealth Kiwisaver Scheme
8.93% annualised · Aggressive · 1.17% fees
How we ranked these
Our methodology
We rank every KiwiSaver fund with at least a 5-year history by annualised return after fees and 28% PIR. Where managers publish 10-year history, we prefer 10-year. We don't filter by risk band, defensive funds can't compete with growth funds on this measure, so the leaders skew aggressive.
Smiths is FAP-licensed (FSP712931) and gives advice on a defined panel of KiwiSaver schemes. We don't run our own scheme. We do receive an upfront fee plus a trail commission (0.25%–0.5%) from the scheme we move clients to, disclosed in full at smiths.net.nz/disclosure. The ranking on this page covers every scheme in NZ, regardless of whether it is on our panel. Past performance is not a reliable indicator of future performance. this is general information only.
The full ranking
All 149 funds we considered
- #6
Aggressive
Lifestages Auto Option Age 0 - 49
Sbs Wealth Kiwisaver Scheme
8.90% annualised · Aggressive · 1.17% fees
- #7
Growth
Milford Kiwisaver Active Growth Fund
Milford Kiwisaver Plan
8.87% annualised · Growth · 1.05% fees
- #8
Growth
Asset Class Growth Fund
Booster Kiwisaver Scheme
8.61% annualised · Growth · 1.37% fees
- #9
Growth
Stepping Stones Growth 0-50
Generate Kiwisaver Scheme
8.47% annualised · Growth · 1.41% fees
- #10
Aggressive
Milford Kiwisaver Aggressive Fund
Milford Kiwisaver Plan
8.44% annualised · Aggressive · 1.15% fees
- #11
Aggressive
Socially Responsible High Growth Fund
Booster Kiwisaver Scheme
8.43% annualised · Aggressive · 1.35% fees
- #12
Uncategorised
Global Equities Fund
Mas Kiwisaver Scheme
8.41% annualised · Uncategorised · 0.99% fees
- #13
Uncategorised
Quaystreet Australian Equity Fund
Quaystreet Kiwisaver Scheme
8.38% annualised · Uncategorised · 1.37% fees
- #14
Aggressive
Stepping Stones 0-35
Generate Kiwisaver Scheme
8.34% annualised · Aggressive · 1.41% fees
- #15
Aggressive
Amp Aggressive Fund (Lifesteps)
Amp Kiwisaver Scheme
8.31% annualised · Aggressive · 0.85% fees
- #16
Aggressive
Amp Aggressive Fund
Amp Kiwisaver Scheme
8.31% annualised · Aggressive · 0.85% fees
- #17
Aggressive
Focused Growth Fund
Generate Kiwisaver Scheme
8.19% annualised · Aggressive · 1.41% fees
- #18
Balanced
Quaystreet Balanced Fund
Quaystreet Kiwisaver Scheme
8.16% annualised · Balanced · 1.12% fees
- #19
Growth
Geared Growth Fund
Booster Kiwisaver Scheme
8.13% annualised · Growth · 1.50% fees
- #20
Balanced
Quaystreet Socially Responsible Investment Fund
Quaystreet Kiwisaver Scheme
8.10% annualised · Balanced · 1.12% fees
- #21
Balanced
Quaystreet Altum Fund
Quaystreet Kiwisaver Scheme
7.86% annualised · Balanced · 1.37% fees
- #22
Uncategorised
Responsible Shares Fund
Mercer Kiwisaver Scheme
7.73% annualised · Uncategorised · 0.95% fees
- #23
Aggressive
Aggressive Fund
Mas Kiwisaver Scheme
7.67% annualised · Aggressive · 0.98% fees
- #24
Growth
Responsible High Growth Fund
Mercer Kiwisaver Scheme
7.56% annualised · Growth · 0.89% fees
- #25
Growth
Growth Fund
Asb Kiwisaver Scheme
7.40% annualised · Growth · 0.70% fees
- #26
Growth
Amp Growth Fund
Amp Kiwisaver Scheme
7.24% annualised · Growth · 0.85% fees
- #27
Growth
Amp Growth Fund (Lifesteps)
Amp Kiwisaver Scheme
7.24% annualised · Growth · 0.85% fees
- #28
Aggressive
High Growth Fund
Booster Kiwisaver Scheme
7.23% annualised · Aggressive · 1.41% fees
- #29
Growth
Growth Fund
Simplicity Kiwisaver Scheme
7.20% annualised · Growth · 0.25% fees
- #30
Growth
Lifestages Auto Option Age 50 - 54
Sbs Wealth Kiwisaver Scheme
7.08% annualised · Growth · 1.11% fees
- #31
Growth
Bnz Kiwisaver Growth Fund
Bnz Kiwisaver Scheme
6.93% annualised · Growth · 0.45% fees
- #32
Growth
Stepping Stones Growth 51-55
Generate Kiwisaver Scheme
6.87% annualised · Growth · 1.39% fees
- #33
Growth
Stepping Stones 36-45
Generate Kiwisaver Scheme
6.87% annualised · Growth · 1.39% fees
- #34
Growth
Growth Fund
Mas Kiwisaver Scheme
6.83% annualised · Growth · 0.98% fees
- #35
Growth
Growth Fund
Generate Kiwisaver Scheme
6.79% annualised · Growth · 1.39% fees
- #36
Growth
Pathfinder Kiwisaver Growth Fund
Pathfinder Kiwisaver Plan
6.68% annualised · Growth · 1.37% fees
- #37
Growth
Glidepath Age 25
Fisher Funds Two Kiwisaver Scheme
6.68% annualised · Growth · 1.16% fees
- #38
Uncategorised
Equity Fund
Fisher Funds Two Kiwisaver Scheme
6.68% annualised · Uncategorised · 1.16% fees
- #39
Growth
Shielded Growth Fund
Booster Kiwisaver Scheme
6.49% annualised · Growth · 1.41% fees
- #40
Growth
Responsible Growth Fund
Mercer Kiwisaver Scheme
6.40% annualised · Growth · 0.84% fees
- #41
Growth
Global Select Growth Fund
Amp Kiwisaver Scheme
6.32% annualised · Growth · 1.27% fees
- #42
Growth
Growth Fund
Fisher Funds Kiwisaver Plan
6.25% annualised · Growth · 1.13% fees
- #43
Growth
Glidepath Age 40
Fisher Funds Two Kiwisaver Scheme
6.19% annualised · Growth · 1.09% fees
- #44
Uncategorised
Amp International Shares Fund No. 3
Amp Kiwisaver Scheme
6.05% annualised · Uncategorised · 1.01% fees
- #45
Balanced
Milford Kiwisaver Balanced Fund
Milford Kiwisaver Plan
6.03% annualised · Balanced · 1.05% fees
- #46
Growth
Growth Fund
Westpac Kiwisaver Scheme
5.98% annualised · Growth · 0.55% fees
- #47
Growth
Growth Fund
Fisher Funds Two Kiwisaver Scheme
5.93% annualised · Growth · 1.06% fees
- #48
Balanced
Amp Balanced Fund No. 2
Amp Kiwisaver Scheme
5.85% annualised · Balanced · 0.85% fees
- #49
Growth
Growth Fund
Booster Kiwisaver Scheme
5.79% annualised · Growth · 1.35% fees
- #50
Balanced
Balanced Fund
Asb Kiwisaver Scheme
5.66% annualised · Balanced · 0.65% fees
- #51
Growth
Growth Fund
Anz Kiwisaver Scheme
5.61% annualised · Growth · 0.96% fees
- #52
Growth
Growth Fund
Anz Default Kiwisaver Scheme
5.61% annualised · Growth · 0.96% fees
- #53
Balanced
Pathfinder Kiwisaver Balanced Fund
Pathfinder Kiwisaver Plan
5.55% annualised · Balanced · 1.25% fees
- #54
Balanced
Amp Balanced Fund
Amp Kiwisaver Scheme
5.50% annualised · Balanced · 0.85% fees
- #55
Balanced
Amp Balanced Fund (Lifesteps)
Amp Kiwisaver Scheme
5.50% annualised · Balanced · 0.85% fees
- #56
Balanced
Bnz Kiwisaver Balanced Fund
Bnz Kiwisaver Scheme
5.34% annualised · Balanced · 0.45% fees
- #57
Growth
Glidepath Age 30
Fisher Funds Kiwisaver Scheme
5.33% annualised · Growth · 1.05% fees
- #58
Growth
Growth Fund
Fisher Funds Kiwisaver Scheme
5.33% annualised · Growth · 1.05% fees
- #59
Balanced
Lifestages Auto Option Age 55 - 59
Sbs Wealth Kiwisaver Scheme
5.30% annualised · Balanced · 1.05% fees
- #60
Growth
Stepping Stones Growth 56-60
Generate Kiwisaver Scheme
5.29% annualised · Growth · 1.36% fees
- #61
Balanced
Stepping Stones 46-55
Generate Kiwisaver Scheme
5.29% annualised · Balanced · 1.36% fees
- #62
Balanced
Balanced Fund
Mas Kiwisaver Scheme
5.28% annualised · Balanced · 0.99% fees
- #63
Balanced
Global Select Balanced Growth Fund
Amp Kiwisaver Scheme
5.25% annualised · Balanced · 1.18% fees
- #64
Balanced
Asset Class Balanced Fund
Booster Kiwisaver Scheme
5.19% annualised · Balanced · 1.32% fees
- #65
Balanced
Balanced Fund
Simplicity Kiwisaver Scheme
5.12% annualised · Balanced · 0.25% fees
- #66
Balanced
Socially Responsible Balanced Fund
Booster Kiwisaver Scheme
4.93% annualised · Balanced · 1.33% fees
- #67
Growth
Glidepath Age 50
Fisher Funds Kiwisaver Scheme
4.93% annualised · Growth · 1.03% fees
- #68
Balanced
Responsible Balanced Fund
Mercer Kiwisaver Scheme
4.92% annualised · Balanced · 0.75% fees
- #69
Balanced
Balanced Fund
Fisher Funds Kiwisaver Plan
4.86% annualised · Balanced · 1.04% fees
- #70
Balanced
Balanced Fund
Westpac Kiwisaver Scheme
4.79% annualised · Balanced · 0.50% fees
- #71
Balanced
Stepping Stones 56-60
Generate Kiwisaver Scheme
4.78% annualised · Balanced · 1.31% fees
- #72
Balanced
Balanced Growth Fund
Anz Kiwisaver Scheme
4.59% annualised · Balanced · 0.92% fees
- #73
Balanced
Balanced Growth Fund
Anz Default Kiwisaver Scheme
4.58% annualised · Balanced · 0.92% fees
- #74
Balanced
Amp Moderate Balanced Fund
Amp Kiwisaver Scheme
4.48% annualised · Balanced · 0.84% fees
- #75
Balanced
Amp Moderate Balanced Fund (Lifesteps)
Amp Kiwisaver Scheme
4.48% annualised · Balanced · 0.84% fees
- #76
Balanced
Balanced Fund
Booster Kiwisaver Scheme
4.45% annualised · Balanced · 1.31% fees
- #77
Growth
Amp Growth Fund No. 2
Amp Kiwisaver Scheme
4.43% annualised · Growth · 0.85% fees
- #78
Balanced
Glidepath Age 55
Fisher Funds Two Kiwisaver Scheme
4.41% annualised · Balanced · 0.96% fees
- #79
Balanced
Milford Kiwisaver Moderate Fund
Milford Kiwisaver Plan
4.29% annualised · Balanced · 0.95% fees
- #80
Balanced
Balanced Fund
Fisher Funds Two Kiwisaver Scheme
4.22% annualised · Balanced · 0.95% fees
- #81
Balanced
Moderate Fund
Generate Kiwisaver Scheme
4.20% annualised · Balanced · 1.26% fees
- #82
Balanced
Stepping Stones 61-64
Generate Kiwisaver Scheme
4.18% annualised · Balanced · 1.26% fees
- #83
Balanced
Balanced Strategy
Fisher Funds Kiwisaver Scheme
4.09% annualised · Balanced · 1.00% fees
- #84
Balanced
Bnz Kiwisaver Moderate Fund
Bnz Kiwisaver Scheme
3.86% annualised · Balanced · 0.45% fees
- #85
Balanced
Moderate Fund
Asb Kiwisaver Scheme
3.76% annualised · Balanced · 0.60% fees
- #86
Balanced
Moderate Fund
Mas Kiwisaver Scheme
3.74% annualised · Balanced · 0.95% fees
- #87
Balanced
Glidepath Age 60
Fisher Funds Kiwisaver Scheme
3.65% annualised · Balanced · 0.98% fees
- #88
Balanced
Amp Moderate Fund (Lifesteps)
Amp Kiwisaver Scheme
3.62% annualised · Balanced · 0.84% fees
- #89
Balanced
Amp Moderate Fund
Amp Kiwisaver Scheme
3.62% annualised · Balanced · 0.84% fees
- #90
Conservative
Quaystreet Conservative Fund
Quaystreet Kiwisaver Scheme
3.60% annualised · Conservative · 0.86% fees
- #91
Balanced
Balanced Fund
Anz Kiwisaver Scheme
3.60% annualised · Balanced · 0.88% fees
- #92
Balanced
Balanced Fund
Anz Default Kiwisaver Scheme
3.59% annualised · Balanced · 0.88% fees
- #93
Balanced
Moderate Fund
Westpac Kiwisaver Scheme
3.57% annualised · Balanced · 0.40% fees
- #94
Balanced
Lifestages Auto Option Age 60 - 64
Sbs Wealth Kiwisaver Scheme
3.56% annualised · Balanced · 0.99% fees
- #95
Balanced
Responsible Moderate Fund
Mercer Kiwisaver Scheme
3.54% annualised · Balanced · 0.66% fees
- #96
Balanced
Amp Balanced Fund No. 4
Amp Kiwisaver Scheme
3.42% annualised · Balanced · 0.85% fees
- #97
Conservative
Core Conservative Fund
Fisher Funds Kiwisaver Plan
3.16% annualised · Conservative · 0.51% fees
- #98
Conservative
Pathfinder Kiwisaver Conservative Fund
Pathfinder Kiwisaver Plan
3.00% annualised · Conservative · 1.01% fees
- #99
Conservative
Quaystreet Income Fund
Quaystreet Kiwisaver Scheme
2.95% annualised · Conservative · 0.87% fees
- #100
Conservative
Milford Kiwisaver Conservative Fund
Milford Kiwisaver Plan
2.88% annualised · Conservative · 0.87% fees
- #101
Conservative
Bnz Kiwisaver First Home Buyer Fund
Bnz Kiwisaver Scheme
2.77% annualised · Conservative · 0.45% fees
- #102
Conservative
Conservative Fund
Fisher Funds Kiwisaver Plan
2.72% annualised · Conservative · 0.87% fees
- #103
Balanced
Socially Responsible Moderate Fund
Booster Kiwisaver Scheme
2.72% annualised · Balanced · 1.21% fees
- #104
Conservative
Capital Guaranteed Fund
Booster Kiwisaver Scheme
2.68% annualised · Conservative · 1.03% fees
- #105
Conservative
Glidepath Age 65
Fisher Funds Two Kiwisaver Scheme
2.67% annualised · Conservative · 0.89% fees
- #106
Conservative
Conservative Balanced Fund
Anz Kiwisaver Scheme
2.64% annualised · Conservative · 0.73% fees
- #107
Conservative
Conservative Balanced Fund
Anz Default Kiwisaver Scheme
2.63% annualised · Conservative · 0.73% fees
- #108
Conservative
Cash Fund
Fisher Funds Kiwisaver Plan
2.62% annualised · Conservative · 0.45% fees
- #109
Balanced
Conservative Fund
Westpac Kiwisaver Scheme
2.61% annualised · Balanced · 0.40% fees
- #110
Conservative
Glidepath Age 75
Fisher Funds Kiwisaver Scheme
2.61% annualised · Conservative · 0.94% fees
- #111
Conservative
Cash Enhanced Fund
Fisher Funds Two Kiwisaver Scheme
2.60% annualised · Conservative · 0.52% fees
- #112
Conservative
Lifestages Auto Option Age 65+
Sbs Wealth Kiwisaver Scheme
2.60% annualised · Conservative · 0.96% fees
- #113
Balanced
Moderate Fund
Booster Kiwisaver Scheme
2.59% annualised · Balanced · 1.20% fees
- #114
Conservative
Cash Fund
Westpac Kiwisaver Scheme
2.58% annualised · Conservative · 0.25% fees
- #115
Conservative
Conservative Fund
Asb Kiwisaver Scheme
2.56% annualised · Conservative · 0.40% fees
- #116
Conservative
Cash Fund
Mas Kiwisaver Scheme
2.53% annualised · Conservative · 0.25% fees
- #117
Balanced
Amp Conservative Fund (Lifesteps)
Amp Kiwisaver Scheme
2.53% annualised · Balanced · 0.84% fees
- #118
Balanced
Amp Conservative Fund
Amp Kiwisaver Scheme
2.53% annualised · Balanced · 0.84% fees
- #119
Conservative
Cash Fund
Anz Kiwisaver Scheme
2.52% annualised · Conservative · 0.22% fees
- #120
Conservative
Cash Fund
Anz Default Kiwisaver Scheme
2.52% annualised · Conservative · 0.22% fees
- #121
Conservative
Milford Kiwisaver Cash Fund
Milford Kiwisaver Plan
2.47% annualised · Conservative · 0.20% fees
- #122
Conservative
Defensive Conservative Fund
Westpac Kiwisaver Scheme
2.46% annualised · Conservative · 0.40% fees
- #123
Conservative
Bnz Kiwisaver Cash Fund
Bnz Kiwisaver Scheme
2.45% annualised · Conservative · 0.30% fees
- #124
Conservative
Conservative Fund
Anz Default Kiwisaver Scheme
2.45% annualised · Conservative · 0.42% fees
- #125
Conservative
Conservative Fund
Booster Kiwisaver Scheme
2.39% annualised · Conservative · 0.38% fees
- #126
Conservative
Nz Cash Fund
Asb Kiwisaver Scheme
2.37% annualised · Conservative · 0.35% fees
- #127
Conservative
Cash Fund
Mercer Kiwisaver Scheme
2.37% annualised · Conservative · 0.32% fees
- #128
Conservative
Conservative Fund
Fisher Funds Two Kiwisaver Scheme
2.35% annualised · Conservative · 0.88% fees
- #129
Conservative
Asset Class Conservative Fund
Booster Kiwisaver Scheme
2.35% annualised · Conservative · 1.24% fees
- #130
Conservative
Glidepath Age 75
Fisher Funds Two Kiwisaver Scheme
2.34% annualised · Conservative · 0.86% fees
- #131
Conservative
Conservative Fund
Fisher Funds Kiwisaver Scheme
2.33% annualised · Conservative · 0.93% fees
- #132
Conservative
Amp Defensive Conservative Fund
Amp Kiwisaver Scheme
2.32% annualised · Conservative · 0.49% fees
- #133
Conservative
Conservative Fund
Mas Kiwisaver Scheme
2.30% annualised · Conservative · 0.85% fees
- #134
Conservative
Responsible Conservative Fund
Mercer Kiwisaver Scheme
2.30% annualised · Conservative · 0.49% fees
- #135
Conservative
Bnz Kiwisaver Conservative Fund
Bnz Kiwisaver Scheme
2.26% annualised · Conservative · 0.45% fees
- #136
Conservative
Preservation Fund
Fisher Funds Two Kiwisaver Scheme
2.21% annualised · Conservative · 0.61% fees
- #137
Uncategorised
Amp Australasian Shares Fund
Amp Kiwisaver Scheme
2.15% annualised · Uncategorised · 0.83% fees
- #138
Conservative
Amp Cash Fund
Amp Kiwisaver Scheme
2.10% annualised · Conservative · 0.65% fees
- #139
Conservative
Enhanced Cash Fund
Booster Kiwisaver Scheme
2.01% annualised · Conservative · 0.87% fees
- #140
Balanced
Amp Conservative Fund No. 2
Amp Kiwisaver Scheme
1.87% annualised · Balanced · 0.84% fees
- #141
Balanced
Global Select Conservative Fund
Amp Kiwisaver Scheme
1.86% annualised · Balanced · 1.08% fees
- #142
Conservative
Quaystreet Fixed Interest Fund
Quaystreet Kiwisaver Scheme
1.80% annualised · Conservative · 0.86% fees
- #143
Conservative
Conservative Fund
Anz Kiwisaver Scheme
1.76% annualised · Conservative · 0.60% fees
- #144
Conservative
Conservative Fund
Simplicity Kiwisaver Scheme
1.75% annualised · Conservative · 0.25% fees
- #145
Conservative
Cashplus Fund
Fisher Funds Kiwisaver Plan
1.65% annualised · Conservative · 0.68% fees
- #146
Uncategorised
Quaystreet New Zealand Equity Fund
Quaystreet Kiwisaver Scheme
1.20% annualised · Uncategorised · 1.37% fees
- #147
Conservative
Sbs Wealth Income Fund
Sbs Wealth Kiwisaver Scheme
0.05% annualised · Conservative · 0.87% fees
- #148
Conservative
Amp Global Fixed Interest Fund
Amp Kiwisaver Scheme
-0.57% annualised · Conservative · 0.84% fees
- #149
Conservative
Amp Nz Fixed Interest Fund
Amp Kiwisaver Scheme
-0.71% annualised · Conservative · 0.86% fees
Need a personal take?
We don't pick funds in the abstract.
Take the 90-second Health Check and we'll match you to the best fit for your timeframe, goals, and tax position from our advised panel, benchmarked against every fund in the directory.
Our directory covers every NZ KiwiSaver fund. Our advice panel is five schemes (ANZ, Booster, Fisher Funds, Generate, Milford); recommendations land on four funds across Milford and Booster — how we're paid →
More curated lists