Best Aggressive funds · ranked on the data
Best Aggressive KiwiSaver funds in NZ (2026)
Aggressive funds are for 10+ year horizons. almost entirely shares, biggest swings, biggest long-term upside. Here are the funds that have actually delivered.
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
Aggressive
Sbs Wealth High Growth Fund
Sbs Wealth Kiwisaver Scheme
8.93% annualised over 5 years · 1.17% fees
- 2
Aggressive
Lifestages Auto Option Age 0 - 49
Sbs Wealth Kiwisaver Scheme
8.90% annualised over 5 years · 1.17% fees
- 3
Aggressive
Milford Kiwisaver Aggressive Fund
Milford Kiwisaver Plan
8.44% annualised over 5 years · 1.15% fees
- 4
Aggressive· default
Socially Responsible High Growth Fund
Booster Kiwisaver Scheme
8.43% annualised over 5 years · 1.35% fees
- 5
Aggressive
Amp Aggressive Fund (Lifesteps)
Amp Kiwisaver Scheme
8.31% annualised over 5 years · 0.85% fees
How we ranked these
Our methodology
We rank Aggressive-band KiwiSaver funds on annualised 5-year return after fees and 28% PIR. We require at least 5 years of history.
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 10 funds we considered
- #6
Aggressive
Amp Aggressive Fund
Amp Kiwisaver Scheme
8.31% annualised over 5 years · 0.85% fees
- #7
Aggressive
Stepping Stones 0-35
Generate Kiwisaver Scheme
8.34% annualised over 5 years · 1.41% fees
- #8
Aggressive
Focused Growth Fund
Generate Kiwisaver Scheme
8.19% annualised over 5 years · 1.41% fees
- #9
Aggressive
Aggressive Fund
Mas Kiwisaver Scheme
7.67% annualised over 5 years · 0.98% fees
- #10
Aggressive
High Growth Fund
Booster Kiwisaver Scheme
7.23% annualised over 5 years · 1.41% 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 →
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