20s & 30s · ranked on the data

Best KiwiSaver funds for under-35s (2026)

30+ years until retirement is a lot of compounding. If you can stomach the volatility, Aggressive and Growth funds are where the long-term magic happens. Here are the best of them.

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.

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Smiths' top 5

The 5we'd look at first.

1
Growth
Quaystreet Growth Fund
Quaystreet Kiwisaver Scheme
Growth · 10.21% 5y · 1.37% fees
Full review →Compare
2
Aggressive
Sbs Wealth High Growth Fund
Sbs Wealth Kiwisaver Scheme
Aggressive · 8.93% 5y · 1.17% fees
Full review →Compare
3
Aggressive
Lifestages Auto Option Age 0 - 49
Sbs Wealth Kiwisaver Scheme
Aggressive · 8.90% 5y · 1.17% fees
Full review →Compare
4
Growth
Milford Kiwisaver Active Growth Fund
Milford Kiwisaver Plan
Growth · 8.87% 5y · 1.05% fees
Full review →Compare
5
Growth· default
Asset Class Growth Fund
Booster Kiwisaver Scheme
Growth · 8.61% 5y · 1.37% fees
Full review →Compare

How we ranked these

Our methodology

We restrict to Aggressive and Growth band funds and rank by 5-year return after fees.

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 64 funds we considered

#6
Aggressive
Milford Kiwisaver Aggressive Fund
Milford Kiwisaver Plan
Aggressive · 8.44% 5y · 1.15% fees
#7
Growth
Stepping Stones Growth 0-50
Generate Kiwisaver Scheme
Growth · 8.47% 5y · 1.41% fees
#8
Aggressive
Socially Responsible High Growth Fund
Booster Kiwisaver Scheme
Aggressive · 8.43% 5y · 1.35% fees
#9
Aggressive
Amp Aggressive Fund (Lifesteps)
Amp Kiwisaver Scheme
Aggressive · 8.31% 5y · 0.85% fees
#10
Aggressive
Amp Aggressive Fund
Amp Kiwisaver Scheme
Aggressive · 8.31% 5y · 0.85% fees
#11
Aggressive
Stepping Stones 0-35
Generate Kiwisaver Scheme
Aggressive · 8.34% 5y · 1.41% fees
#12
Aggressive
Focused Growth Fund
Generate Kiwisaver Scheme
Aggressive · 8.19% 5y · 1.41% fees
#13
Growth
Geared Growth Fund
Booster Kiwisaver Scheme
Growth · 8.13% 5y · 1.50% fees
#14
Aggressive
Aggressive Fund
Mas Kiwisaver Scheme
Aggressive · 7.67% 5y · 0.98% fees
#15
Growth
Responsible High Growth Fund
Mercer Kiwisaver Scheme
Growth · 7.56% 5y · 0.89% fees
#16
Growth
Growth Fund
Asb Kiwisaver Scheme
Growth · 7.40% 5y · 0.70% fees
#17
Growth
Growth Fund
Simplicity Kiwisaver Scheme
Growth · 7.20% 5y · 0.25% fees
#18
Growth
Amp Growth Fund
Amp Kiwisaver Scheme
Growth · 7.24% 5y · 0.85% fees
#19
Growth
Amp Growth Fund (Lifesteps)
Amp Kiwisaver Scheme
Growth · 7.24% 5y · 0.85% fees
#20
Aggressive
High Growth Fund
Booster Kiwisaver Scheme
Aggressive · 7.23% 5y · 1.41% fees
#21
Growth
Lifestages Auto Option Age 50 - 54
Sbs Wealth Kiwisaver Scheme
Growth · 7.08% 5y · 1.11% fees
#22
Growth
Bnz Kiwisaver Growth Fund
Bnz Kiwisaver Scheme
Growth · 6.93% 5y · 0.45% fees
#23
Growth
Growth Fund
Mas Kiwisaver Scheme
Growth · 6.83% 5y · 0.98% fees
#24
Growth
Stepping Stones Growth 51-55
Generate Kiwisaver Scheme
Growth · 6.87% 5y · 1.39% fees
#25
Growth
Stepping Stones 36-45
Generate Kiwisaver Scheme
Growth · 6.87% 5y · 1.39% fees
#26
Growth
Growth Fund
Generate Kiwisaver Scheme
Growth · 6.79% 5y · 1.39% fees
#27
Growth
Glidepath Age 25
Fisher Funds Two Kiwisaver Scheme
Growth · 6.68% 5y · 1.16% fees
#28
Growth
Pathfinder Kiwisaver Growth Fund
Pathfinder Kiwisaver Plan
Growth · 6.68% 5y · 1.37% fees
#29
Growth
Responsible Growth Fund
Mercer Kiwisaver Scheme
Growth · 6.40% 5y · 0.84% fees
#30
Growth
Shielded Growth Fund
Booster Kiwisaver Scheme
Growth · 6.49% 5y · 1.41% fees
#31
Growth
Global Select Growth Fund
Amp Kiwisaver Scheme
Growth · 6.32% 5y · 1.27% fees
#32
Growth
Growth Fund
Fisher Funds Kiwisaver Plan
Growth · 6.25% 5y · 1.13% fees
#33
Growth
Glidepath Age 40
Fisher Funds Two Kiwisaver Scheme
Growth · 6.19% 5y · 1.09% fees
#34
Growth
Growth Fund
Westpac Kiwisaver Scheme
Growth · 5.98% 5y · 0.55% fees
#35
Growth
Growth Fund
Fisher Funds Two Kiwisaver Scheme
Growth · 5.93% 5y · 1.06% fees
#36
Growth
Growth Fund
Booster Kiwisaver Scheme
Growth · 5.79% 5y · 1.35% fees
#37
Growth
Growth Fund
Anz Kiwisaver Scheme
Growth · 5.61% 5y · 0.96% fees
#38
Growth
Growth Fund
Anz Default Kiwisaver Scheme
Growth · 5.61% 5y · 0.96% fees
#39
Growth
Glidepath Age 30
Fisher Funds Kiwisaver Scheme
Growth · 5.33% 5y · 1.05% fees
#40
Growth
Growth Fund
Fisher Funds Kiwisaver Scheme
Growth · 5.33% 5y · 1.05% fees
#41
Growth
Stepping Stones Growth 56-60
Generate Kiwisaver Scheme
Growth · 5.29% 5y · 1.36% fees
#42
Growth
Glidepath Age 50
Fisher Funds Kiwisaver Scheme
Growth · 4.93% 5y · 1.03% fees
#43
Growth
Amp Growth Fund No. 2
Amp Kiwisaver Scheme
Growth · 4.43% 5y · 0.85% fees
#44
Aggressive
High Growth Fund
Simplicity Kiwisaver Scheme
Aggressive · 0.00% 5y · 0.25% fees
#45
Aggressive
Kernel High Growth Fund
Kernel Kiwisaver Plan
Aggressive · 0.00% 5y · 0.25% fees
#46
Growth
Bnz Kiwisaver High Growth Fund
Bnz Kiwisaver Scheme
Growth · 0.00% 5y · 0.45% fees
#47
Growth
High Growth Fund
Westpac Kiwisaver Scheme
Growth · 0.00% 5y · 0.70% fees
#48
Aggressive
Aggressive Fund
Asb Kiwisaver Scheme
Aggressive · 0.00% 5y · 0.75% fees
#49
Growth
High Growth Fund
Anz Kiwisaver Scheme
Growth · 0.00% 5y · 0.95% fees
#50
Growth
High Growth Fund
Anz Default Kiwisaver Scheme
Growth · 0.00% 5y · 0.95% fees
#51
Aggressive
Sbs Wealth Focused Growth Fund
Sbs Wealth Kiwisaver Scheme
Aggressive · 0.00% 5y · 1.17% fees
#52
Growth
Stepping Stones Growth 76+
Generate Kiwisaver Scheme
Growth · 0.00% 5y · 1.21% fees
#53
Growth
Glidepath Age 40
Fisher Funds Kiwisaver Plan
Growth · 0.00% 5y · 1.21% fees
#54
Aggressive
Glidepath Age 25
Fisher Funds Kiwisaver Plan
Aggressive · 0.00% 5y · 1.23% fees
#55
Aggressive
Aggressive Fund
Fisher Funds Kiwisaver Plan
Aggressive · 0.00% 5y · 1.23% fees
#56
Growth
Stepping Stones Growth 61-75
Generate Kiwisaver Scheme
Growth · 0.00% 5y · 1.26% fees
#57
Aggressive
Global Fund
Generate Kiwisaver Scheme
Aggressive · 0.00% 5y · 1.30% fees
#58
Aggressive
Thematic Fund
Generate Kiwisaver Scheme
Aggressive · 0.00% 5y · 1.30% fees
#59
Growth
Socially Responsible Growth Fund
Booster Kiwisaver Scheme
Growth · 0.00% 5y · 1.34% fees
#60
Growth
Pathfinder Kiwisaver High Growth Fund
Pathfinder Kiwisaver Plan
Growth · 0.00% 5y · 1.36% fees
#61
Aggressive
Quaystreet High Growth Fund
Quaystreet Kiwisaver Scheme
Aggressive · 0.00% 5y · 1.40% fees
#62
Growth
Socially Responsible Geared Growth Fund
Booster Kiwisaver Scheme
Growth · 0.00% 5y · 1.46% fees
#63
Growth
Milford Active Growth Fund
Amp Kiwisaver Scheme
Growth · 0.00% 5y · 1.57% fees
#64
Aggressive
Milford Aggressive Fund
Amp Kiwisaver Scheme
Aggressive · 0.00% 5y · 1.57% 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 →

Run free Health Check →

More curated lists

Quaystreet Growth Fund

Sbs Wealth High Growth Fund

Lifestages Auto Option Age 0 - 49

Milford Kiwisaver Active Growth Fund

Asset Class Growth Fund

Our methodology

We don't pick funds in the abstract.