Westpac Kiwisaver Scheme
High Growth Fund
The Smiths take
High Growth Fund Smiths Rating B
Smiths' editorial rating, our internal opinion based on 10-year returns, fees, and risk band fit. Not a formal credit rating or regulated star rating.
Smiths reviews this fund against every other aggressive option in NZ on net-of-fees returns, total fees, and band fit. The full Sorted snapshot is below.
General information only · Past performance is not a reliable indicator of future performance · For personal advice please contact us.
At a glance
This fund is for investors seeking
Three quick reads for whether the High Growth Fund fits your situation.
A 10+ years timeframe
This is a aggressive KiwiSaver fund. The provider's recommended minimum holding period sits in the 10+ years range.
A moderate-risk investment
Sorted's risk indicator places this at 4 on a 1–7 scale. Moderate volatility. meaningful ups and downs but not extreme.
Mostly growth assets
99% growth assets (shares, property) and 1% income assets (bonds, cash). Spread across multiple asset classes.
Snapshot
The headline numbers
Mix
98.87% / 1.13%
Growth / Income · avg 98.25% / 1.75%
Fees
0.70%
$210 on $30k · avg 1.95%
What the provider says
In their own words
“The High Growth Fund aims to provide the highest long-term returns of any of the funds. It invests solely in growth assets. Volatility is expected to be the highest of the funds.”
- Fund start date
- 25 September 2024
- Withdrawal rules
- This is a KiwiSaver fund. generally you can withdraw only to purchase a first home, after the age of 65, or in cases of significant financial hardship.
Asset mix
What this fund actually holds
Growth assets are 98.87% of the fund, income assets the rest. The mix is the latest snapshot from Sorted, with the average for this risk band's KiwiSaver funds shown alongside.
- Sharesthis fundavg
93.30%
avg 87.94%
- Propertythis fundavg
5.57%
avg 8.38%
- Otherthis fundavg
0.00%
avg 1.93%
- Bondsthis fundavg
0.00%
avg 0.38%
- Cashthis fundavg
1.13%
avg 1.37%
What it owns
Top 10 holdings. 21.46% of the fund
The rest is spread across hundreds of other positions. Full holdings live in the provider's portfolio file.
Nvidia Corporation
Shares
International EquitiesUS3.69%Fisher & Paykel Healthcare Ltd
Shares
Australasian EquitiesNZ2.90%Microsoft Corporation
Shares
International EquitiesUS2.73%Apple Inc.
Shares
International EquitiesUS2.62%Alphabet Inc. Class A
Shares
International EquitiesUS1.93%Infratil Ltd
Shares
Australasian EquitiesNZ1.77%S&P500 E-Mini Future
Shares
International EquitiesUS1.66%Auckland International Airport Ltd
Shares
Australasian EquitiesNZ1.57%Taiwan Semiconductor Manufacturing Co., Ltd.
Shares
International EquitiesTW1.32%Broadcom Inc.
Shares
International EquitiesUS1.27%
Fees breakdown
What you actually pay
Modelled on a $30,000 balance held for one full year. Each line shows this fund's % and dollar cost vs. the average for funds in the same risk band.
Management
Charged by the fund manager, % of your balance.
0.70%
avg 0.73%
$210
avg $219
−0.03%Other
Other potential costs not in the categories below.
93.30%
avg 87.94%
-
avg -
+5.36%Performance-based
Higher when the fund (or underlying fund) performs well.
0.00%
avg -
$0
avg -
Membership
A flat annual fee, regardless of balance or performance.
0.00%
avg 0.05%
$0
avg $16
−0.05%
Total combined fees
Doesn't include fees for one-off activities like transferring or withdrawing.
0.70%
avg 1.95%
$210
avg $585
Risk indicator
Sorted risk rating: 4 of 7
The Sorted risk indicator is calculated from the last 5 years of price volatility. Higher = more ups and downs but typically higher long-term returns.
Fund details
The unsexy stats that matter
- Total fund value
- $915,117,842
- Members
- 32,808
- Asset liquidity ratio
- 96.58%
- Debt ratio
- 0.06%
- Default KiwiSaver fund
- Yes
- Fund reference
- FND51043
Manager
Westpac Kiwisaver Scheme
Licensed with the Financial Markets Authority.
- NZBN
- 9429039285126
- FSP number
- FSP32662
Smiths Health Check
Is the High Growth Fund actually the right fund for you?
Take the 90-second Health Check. We'll grade your current setup, tell you what it's costing you, and recommend the best fit from our advised panel, benchmarked against every fund in the directory, not just westpac.
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 →