What fund might fit you?

Getting the right fit can make all the difference in achieving your savings goals

Find out what fits you

The money in your AMP KiwiSaver Scheme account is invested for you by a team of experienced investment professionals (fund managers). You have options when it comes to choosing which funds your savings are invested in.

Each fund suits different investors; depending on how long you want to invest for and your willingness to take investment risks to potentially receive higher returns in the long term.

Step1

To work out what fund might fit you, we need to find out a bit about you...

My name is

please enter your 'first name'.

I was born in year

please enter your 'year of birth' as a number.

My KiwiSaver balance is about

please enter numbers only, or 0 if unsure.

Step2

Find out what fund might fit you...

Question 1

What are you using KiwiSaver for?

Buying a first home

My retirement

Not sure

Step3

Find out what fund might fit you...

Question 2

When are you thinking about buying your first home?

Within the next 5 years

Between 6 - 10 years

More than 10 years away (not as soon as I'd like!)

Step4

Find out what fund might fit you...

Question 2

Thinking about your life after you turn 65, when do you expect you'll start spending your KiwiSaver savings?

I expect I'll start spending my KiwiSaver savings at 65

I expect I'll start spending my KiwiSaver savings at 70

Step5

Find out what fund might fit you...

Question 3

When thinking about your KiwiSaver savings, which statement best describes you?

I want the potential for my money to grow quicker and I'm OK with seeing more ups and downs in my balance. I realise this means I might see my balance drop sometimes, but my balance at the end of my KiwiSaver journey may be higher than if I'd taken less risk.

I'm happy for my money to grow at a medium rate and I'm OK with seeing some ups and downs in my balance. I realise this means my balance at the end of my KiwiSaver journey may be lower than if I'd taken more risk.

I'm happy for my money to grow slower because I don't want to see as many ups and downs in my balance. I realise this means my balance at the end of my KiwiSaver journey may be lower than if I'd taken more risk.

Step6

Find out what fund might fit you...

Question 4

For people who have less than 5 years before retirement, our recommendation is a conservative fund type. However, you've also told us you are happy for your balance to grow at a medium rate if that means seeing some ups and downs. A balanced fund may be a better fit for you.

I think a conservative fund fits me.

I think a balanced fund fits me.

For people who have less than 5 years before retirement, our recommendation is a conservative fund type. However, you've also told us you are happy for your balance to grow quicker if that means seeing more ups and downs. A growth fund may be a better fit for you.

I think a conservative fund fits me.

I think a growth fund fits me.

For people who have between 6 to 10 years before retirement, our recommendation is a balanced fund. However, you've also told us you are happy for your balance to grow slower if that means seeing less ups and downs. A conservative fund type may be a better fit for you.

I think a conservative fund fits me.

I think a balanced fund fits me.

For people who have more than 10 years before retirement, our recommendation is a high growth fund. However, you've also told us you are happy for your balance to grow slower if that means seeing less ups and downs. A balanced fund may be a better fit for you.

I think a balanced fund fits me.

I think a high growth fund fits me.

For people who have more than 10 years before retirement, our recommendation is a high growth fund. However, you've also told us you are happy for your balance to grow at a medium rate if that means seeing some ups and downs. A growth fund may be a better fit for you.

I think a growth fund fits me.

I think a high growth fund fits me.

For people who have less than 5 years before their first home purchase, our recommendation is a conservative fund type. However, you've also told us you are happy for your balance to grow at a medium rate if that means seeing some ups and downs. A balanced fund may be a better fit for you.

I think a conservative fund fits me.

I think a balanced fund fits me. (By investing in a fund that is more likely to have ups and downs in the short to medium term, there's an increased risk your balance could drop suddenly. This means that when you are ready to buy your first home your balance may be less than if you invested in a more conservative fund that grows slowly.)

For people who have less than 5 years before their first home purchase, our recommendation is a conservative fund type. However, you've also told us you are happy for your balance to grow quicker if that means seeing more ups and downs. A growth fund may be a better fit for you.

I think a conservative fund fits me.

I think a growth fund fits me. (By investing in a fund that is more likely to have ups and downs in the short to medium term, there's an increased risk your balance could drop suddenly. This means that when you are ready to buy your first home your balance may be less than if you invested in a more conservative fund that grows slowly.)

For people who have between 6 to 10 years before their first home purchase, our recommendation is a balanced fund. However, you've also told us you are happy for your balance to grow slower if that means seeing less ups and downs. A conservative fund type may be a better fit for you.

I think a conservative fund fits me.

I think a balanced fund fits me.

For people who have more than 10 years before their first home purchase, our recommendation is a high growth fund. However, you've also told us you are happy for your balance to grow slower if that means seeing less ups and downs. A balanced fund may be a better fit for you.

I think a balanced fund fits me.

I think a high growth fund fits me.

For people who have more than 10 years before their first home purchase, our recommendation is a high growth fund. However, you've also told us you are happy for your balance to grow at a medium rate if that means seeing some ups and downs. A growth fund may be a better fit for you.

I think a growth fund fits me.

I think a high growth fund fits me.

In 2016, experienced negative returns causing balances to drop, but returns recovered and balances were up again within a year.

Notes:

The chart assumes the growth of the invested amount in the fund(s) from 1st April 2014 to 31 March 2019, with no further contributions.
The chart shows cumulative returns after fees and tax at the highest prescribed investor rate (PIR) over a period of five years for an individual New Zealand resident. Your tax may be lower.
Past performance is not necessarily an indication of future performance.

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Purchasing your first home

Once you've been a member of KiwiSaver for 3 years you may be able to withdraw most of your KiwiSaver savings to put towards purchasing your first home.

How much can you withdraw

You can use up to the full balance of your KiwiSaver account except for:

$1,000;
any funds transferred from an Australian superannuation scheme (less returns/losses); and
any Government contributions received when you weren't resident in New Zealand.

When you can get your money for retirement

You can generally take money out of your KiwiSaver account when you reach 65. After you turn 65 you can leave your money in KiwiSaver, use it like a bank account and make regular withdrawals, or take it all out.

If you had joined KiwiSaver before July 2019, and were aged between 60 and 64 inclusive when you joined, you'll need to wait for 5 years before you can withdraw your money.

When you're ready to make a withdrawal, call us on 0800 267 263, better yet contact us ahead of time to help you plan the best way to use your money.

What types of investment funds are available?

Our AMP KiwiSaver Scheme has 28 different fund choices, made up of 27 different funds plus Lifesteps. You can invest in up to 7 funds within your AMP KiwiSaver Scheme account at no extra cost.

With 28 investment options, you can choose based on your life stage and the level of investment risk you're comfortable with. The options cater for a range of investor profiles from Conservative to Aggressive:

Conservative - you seek some growth but are cautious. You're willing to accept lower returns if that means rarely seeing ups and downs in your balance.
Balanced - you seek medium to high returns from your investment and are prepared to accept some up and down fluctuations in your balance to achieve this.
Growth - you want high returns from your investment over the long term and are prepared to accept significant fluctuations in your balance to achieve this.
Aggressive - you want the highest possible returns from your investment over the long term and are prepared to accept more extreme fluctuations in your balance to achieve this.

To help you understand your choices, here's a graph to show you the difference in balance should you have invested $10,000 in AMP Default vs. Aggressive Fund 5 years ago

Important information

AMP Wealth Management New Zealand Limited is the issuer and manager of the AMP KiwiSaver Scheme (the 'Scheme'). The Supervisor of the Scheme is The New Zealand Guardian Trust Company Limited.

For more information, download a copy of the AMP KiwiSaver Scheme Product Disclosure Statement and Fund Update Booklet, which have been lodged on the Scheme's offers register entry at companiesoffice.govt.nz/disclose.

While care has been taken to supply information on this website and within the chatbot tool that is accurate, no entity or person gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way including from any error or omission. The content provided is intended to be used as information only and does not constitute personalised advice. Before acting on any of the results provided, we recommend that you seek advice which takes your individual circumstances into account.

A disclosure statement is available from your Adviser, on request and free of charge.

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What fund might fit you?

Step1

To work out what fund might fit you, we need to find out a bit about you...

Step2

Find out what fund might fit you...

Question 1

What are you using KiwiSaver for?

Step3

Find out what fund might fit you...

Question 2

When are you thinking about buying your first home?

Step4

Find out what fund might fit you...

Question 2

Thinking about your life after you turn 65, when do you expect you'll start spending your KiwiSaver savings?

Step5

Find out what fund might fit you...

Question 3

When thinking about your KiwiSaver savings, which statement best describes you?

Step6

Find out what fund might fit you...

Question 4

Important information