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Fund options

Which KiwiSaver fund is right for you?

Whether you’re new to KiwiSaver or an experienced investor, our expanded range of 28 investment options gives you more control and greater flexibility, without any additional fees.

You can choose to split your investment across up to seven funds and you can change those selections at any time.

Finding the right fund

When deciding on what type of fund to choose, its best to start with thinking about what kind of journey you want to take and what you want your destination to look like when you get there. The more risk you are comfortable taking on, the higher the possible return.

Your risk profile

One way to choose where your savings are invested is based on the level of investment risk you’re comfortable with - we call this your risk profile. You can find out yours by using the descriptions below:

  • Conservative - you seek some growth but are cautious. You’re willing to accept low or lower returns to achieve this objective.
  • Moderate - you seek moderate returns from your investment and are prepared to accept some fluctuations in the value of your investment to achieve this.
  • Moderately balanced - you seek the high end of moderate returns from your investment and are prepared to accept some fluctuations in the value of your investment to achieve this.
  • Balanced - you seek medium to high returns from your investment and are prepared to accept some fluctuations in the value of your investment to achieve this.
  • Moderately aggressive - you want high returns from your investment over the long term and are prepared to accept potentially significant fluctuations in the value of your investment to achieve this.
  • Aggressive - you want the highest possible returns from your investment over the long term and are prepared to accept potentially significant fluctuations in the value of your investment to achieve this.

Your fund type preference

You can also use your life stage or your fund preference to help with your decision.

Our 28 investment options can be broadly categorised into five different types:

  • Lifesteps - Lifesteps is designed for savers who want their investment strategy taken care of by AMP. This innovative programme allocates your savings to a fund that corresponds with your age, adjusting automatically to reduce the potential for investment losses as you get older. It’s not a fund in itself, but rather an investment option that reduces your risk as you get older.
  • Diversified Funds - These blend a number of asset classes together, like fixed interest and shares, in one fund to provide diversification, which can help to reduce overall investment risk.
  • Responsible Investment Funds - An option for those who want to invest in a diversified, socially responsible fund. The fund aims to generate competitive returns without investing in sectors like tobacco and gambling.
  • Goals-based Funds - These aim to deliver a specific investment outcome, like fixed income distributions that are reinvested each month.
  • Single Sector Funds - These invest in one particular asset class, for instance, property, equity or cash. You can combine Single Sector funds to build your own diversified portfolio. 

How to choose the right fund

When making the decision on the right fund choice for you, its important to consider different factors like your appetite for risk and what type of fund suits your needs.

Fund chart options

Want to switch your fund?

You can switch your funds whenever you like - we won't charge you a fee for this.

New to AMP?

Join the AMP KiwiSaver Scheme today:

AMP KiwiSaver Scheme member?

You have a number of ways to switch your fund:

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Ways to use KiwiSaver

There are a few ways to contribute to KiwiSaver

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Taking control of your KiwiSaver account

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Important information

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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 that is accurate, none of AMP Wealth Management New Zealand Limited, the Supervisor, the underlying fund managers, any of their related companies, their directors, the Crown or any other person guarantees the Scheme, any investment in the Scheme, or any returns on an investment in the Scheme, or gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way including from any error or omission. Past performance is not indicative of future performance and is not guaranteed by any party. Returns over different periods may differ.

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