Best MILFORD KIWISAVER · ranked on the data
Best MILFORD KIWISAVER KiwiSaver funds in NZ (2026)
MILFORD KIWISAVER runs multiple KiwiSaver options across different risk bands. We rank every one of them on the same basis, 5-year returns and fees, regardless of whether MILFORD KIWISAVER is on Smiths' advised panel. Our scope of advice and remuneration is in our FAP disclosure.
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
Growth
Milford Kiwisaver Active Growth Fund
Milford Kiwisaver Plan
Growth · 8.87% 5y · 1.05% fees
- 2
Aggressive
Milford Kiwisaver Aggressive Fund
Milford Kiwisaver Plan
Aggressive · 8.44% 5y · 1.15% fees
- 3
Balanced
Milford Kiwisaver Balanced Fund
Milford Kiwisaver Plan
Balanced · 6.03% 5y · 1.05% fees
- 4
Balanced
Milford Kiwisaver Moderate Fund
Milford Kiwisaver Plan
Balanced · 4.29% 5y · 0.95% fees
- 5
Conservative
Milford Kiwisaver Conservative Fund
Milford Kiwisaver Plan
Conservative · 2.88% 5y · 0.87% fees
How we ranked these
Our methodology
We rank every MILFORD KIWISAVER KiwiSaver fund with a 5-year history by annualised return after fees and 28% PIR. Fees break ties.
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 6 funds we considered
- #6
Conservative
Milford Kiwisaver Cash Fund
Milford Kiwisaver Plan
Conservative · 2.47% 5y · 0.20% 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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