Provider · broker-grade review

WESTPAC KiwiSaver

WESTPAC KIWISAVER SCHEME

Funds in scheme: 8
Funds under management: $13.00B
Best 5-yr return: 5.98%

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.

Run free Health Check →Filter screener to WESTPAC

The Smiths take

What we know about WESTPAC KiwiSaver

→WESTPAC runs 8 KiwiSaver funds across 3 risk bands. covering Conservative, Balanced and Growth.
→Best 5-yr annualised return in the scheme is 5.98% (after fees & 28% PIR).
→Includes at least one government-designated default KiwiSaver fund.
→Scheme manages $13.00B in total.

Smiths' top picks from WESTPAC

The 3 WESTPACfunds we'd look at first

#1
Growth
Growth Fund
5.98% 5-yr return
#2
Balanced
Balanced Fund
4.79% 5-yr return
#3
Balanced
Moderate Fund
3.57% 5-yr return

Every fund in the scheme

All 8 WESTPAC KiwiSaver funds

Conservative · 2 funds

Cash Fund
Default fund2.58% 5yReview →
Defensive Conservative Fund
Default fund2.46% 5yReview →

Balanced · 4 funds

Balanced Fund
Default fund4.79% 5yReview →
Moderate Fund
Default fund3.57% 5yReview →
Conservative Fund
Default fund2.61% 5yReview →
Default Balanced Fund
Default fund-Review →

Growth · 2 funds

Should you be in WESTPAC?

We compare WESTPAC 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 WESTPAC'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 →

Run free Health Check →