Top KiwiSaver Providers in New Zealand: A 2025 Comparison

Best KiwiSaver Provider

KiwiSaver is a savings scheme that makes saving easier and more accessible for the modern Kiwi. Unfortunately, many New Zealanders aren’t prepared for retirement, because navigating the world of savings accounts and investments can be difficult. KiwiSaver helps all kinds of NZ residents by offering funds from the best KiwiSaver providers, helping people like you reach your financial milestones. 

Everyone’s financial situations and goals are different. So, there is no one-size-fits-all fund. Instead, you need to choose the best provider and fund for you.

How Do I Choose A KiwiSaver Fund?

Overall, you need to pick a fund that:

  • Suits your situation. Everyone’s finances are different. Pick a fund and provider that suits you.

  • Has appropriate fees. Funds have fees. Review all fees before you commit to any fund.

  • Has good customer service. If you have an issue, you need to be able to reach out to someone who can help.

  • Isn’t performing below others like it. Look at similar funds and make sure your potential fund is better than the rest.

If you already have a KiwiSaver provider, then you might be wondering, “Why should I switch? How do I know if my current provider is the best KiwiSaver provider for me?” You should consider switching if your current provider is no longer aligned with your goals, if they aren’t transparent about their actions, if they aren’t performing to your standards, if their fees are too high or if they otherwise are no longer suitable for your goals. 

Switching KiwiSaver providers is actually very simple. You just need to make sure you’re switching to a better option, rather than downgrading. 

We know that picking your provider from the many available can be tough. So, our Future Wealth team is always here to help. Our advisers have plenty of experience guiding our clients towards reliable KiwiSaver providers, and we’ll gladly help you as well.

Together, we’ll discuss what you should look for in a provider, your particular situation and the most trustworthy providers in New Zealand. This may include the following and more:

  • The Kernel KiwiSaver Plan High Growth Fund.

  • The Pathfinder Growth Fund.

  • The Simplicity Growth Fund.

  • The MAS Kiwisaver Global Equities Fund.

  • SuperLife Funds. 

Or, if you’re interested in other options, we can discuss those as well.

Finding Your Best KiwiSaver Provider In 2025

How do you know which provider is best for you?

Discover Your Fund Type. There are different kinds of funds, so you need to pick what fits your situation:

  • Defensive. These are low-risk funds with low rewards, but they’re very stable. They are best for those who want minimal risk and are okay with slow growth.

  • Conservative. These are low-risk with modest returns. They’re best for short or medium-term goals. 

  • Balanced. These are a medium level of risk with good returns, but some ups and downs. They’re best for medium and long-term goals. 

  • Growth. These have a high level of risk, but higher potential returns and more fluctuation. They’re best for long-term goals and people who want to invest for over a decade.

  • Aggressive. These funds have the highest level of risk but the highest potential returns. They’re best for those with very long-term goals and a high risk tolerance. 

Understand the fund type you want and ensure your provider offers it. If you think you’ll switch fund types in the future, you may want to find a provider that offers multiple fund types, so you can switch funds while staying with a provider you trust. 

Look For Long-Term Performance. Consistency is key. You need a provider that can offer you consistent returns and who has performed well for the past 5-10 years, not just a provider who’s recently done well. You must understand that performance can fluctuate, so even if a provider is doing well or doing poorly right now, it doesn’t mean that’s how they are always performing. 

Check For Low Fees And Transparent Pricing. Regardless of fund type or performance levels, the best KiwiSaver providers are always clear about their fees. Even a minor difference in fees can add up over time, and providers who aren’t open about their fees could end up charging you more than you expected.

Make sure the fees align with your finances and think about the costs in the long run. 

Strong Customer Support And Accessible Interfaces. Communication and accessibility are vital. Finances are important, so you undoubtedly want to be able to receive support when you need it. The best KiwiSaver providers are always open to communication when their clients need them. Along with customer support, an easy-to-use website that lets you track performance and view your situation is a must. 

Aside from the providers themselves, our Future Wealth team is always here to discuss your situation with you when you need us.

Reputation. You want to find a KiwiSaver provider you can trust. Check out their track record and look up reviews to see what other savers think. Avoid providers with negative reviews or consistent problems with their clients. 

Choosing Among The Best KiwiSaver Providers In Aotearoa

Are you ready to build your way towards financial stability? Reach out to us at Future Wealth on 027 628 8010 or easily contact us online. You can even book a chat with us online, free of charge. 

Future Wealth: Start managing your finances now, your future self will thank you.

Matt Golding