Smiths Insurance and KiwiSaver
Smiths Insurance & KiwiSaver
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Provider · broker-grade review

GENERATE KiwiSaver

GENERATE KIWISAVER SCHEME

Funds in scheme
21
Funds under management
$8.99B
Best 5-yr return
8.47%

Returns are annualised, after fees and 28% PIR, sourced from Sorted Smart Investor (as at Q2 2026). Past performance is not a reliable indicator of future performance. General information only, not personalised advice.

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The Smiths take

What we know about GENERATE KiwiSaver

  • →GENERATE runs 21 KiwiSaver funds across 5 risk bands. covering Conservative, Balanced, Growth, Aggressive and Uncategorised.
  • →Best 5-yr annualised return in the scheme is 8.47% (after fees & 28% PIR).
  • →Scheme manages $8.99B in total.

Smiths' top picks from GENERATE

The 3 GENERATEfunds we'd look at first

  1. #1

    Growth

    Stepping Stones Growth 0-50

    8.47% 5-yr return

  2. #2

    Aggressive

    Stepping Stones 0-35

    8.34% 5-yr return

  3. #3

    Aggressive

    Focused Growth Fund

    8.19% 5-yr return

Every fund in the scheme

All 21 GENERATE KiwiSaver funds

Conservative · 4 funds

Balanced · 5 funds

Growth · 7 funds

Aggressive · 4 funds

Uncategorised · 1 fund

Should you be in GENERATE?

We compare GENERATE against every other NZ provider.

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 GENERATE's.

Our directory covers every NZ KiwiSaver fund. Our advice panel is five schemes (ANZ, Booster, Fisher Funds, Generate, Milford); recommendations land on three funds across Milford and Booster — how we're paid →

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