child and adult digging at the beach

Join AMP

Your adviser will help you complete this form.

All you'll need is:
- your IRD number
- a NZ photo ID (passport or driver licence)

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"Help me choose" makes a fund recommendation based on your answers to the risk and preference questions within the tool. It doesn't take into account your personal circumstances and so it is not financial advice. Speak to your financial adviser if you would like personalised financial advice.

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Your first home

Once you've been a member of KiwiSaver for 3 years you may be able to withdraw most of your 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:

  • a minimum of $1,000 that you leave in your account;
  • any funds transferred from an Australian superannuation scheme (less returns/losses); and
  • any Government contributions received when you weren't resident in New Zealand
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Withdrawal

KiwiSaver and NZRT are designed to help you save for retirement. You can generally take your KiwiSaver money out once you reach 65.
For NZRT, you can generally withdraw funds when you reach the retirement age in your booklet (usually 65) or when you leave your employer.
For both, early withdrawals are permitted in limited circumstances.

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Risks

Different funds suit different investors, depending on how long you want to invest and your willingness to take investment risks to potentially receive higher long term returns.

Lower risk investments typically provide more consistent yet lower returns. A higher risk investment has the potential for higher returns over time, but with more ups and downs along the way and a greater possibility of a large negative return.

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Volatility

Volatility refers to the ups and downs in value that an asset can have. It is often mistakenly used interchangeably with 'risk'. Although the two are related, they are not the same. We might invest in a growth fund that has a lot of ups and downs (high volatility), but because we have a long time before we need our money (a long time horizon), there actually may be little chance (risk) of us not reaching our investment goals.

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Experience
  • Very little: using my bank account is the most experience I have
  • A little: I have some experience with investing e.g. superannuation or KiwiSaver
  • Some: I have a reasonable level of investment experience e.g. I have invested in shares or bonds before
  • Expert: I would consider myself an experienced investor e.g. I regularly invest in shares or bonds
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What's important to you?

People have different preferences when it comes to choosing who looks after their investment. AMP offers a range of fund managers, so that people can invest in line with what's important to them.

  • Set & forget: I prefer a hassle free, easy investment strategy
  • Better returns: high returns are important to me
  • Lower fees: low fees are important to me
  • Brand preference: I have a preferred brand
  • Spreading fund manager risk: having more than one manager is important to me
  • Capital Preservation: It's important I preserve my balance and I'm prepared to accept lower growth as a trade-off
  • Social responsibility: I want to invest ethically, screening out bad investments and focus on good.

Note: You cannot choose 'Brand preference' and 'Spreading fund manager risk' together.
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Fund Managers

The AMP KiwiSaver Scheme offers a range of funds from some of the best fund managers in New Zealand.
AMP is one of the few KiwiSaver providers that allow you to invest with more than one manager at the same time.

Note: Each brand typically offers one fund per investor category. If your selected brand results in no change to the recommendation, you may want to choose a different brand to spread fund manager risk.

Choose how your money is invested.

Pick a mix of up to seven funds.

View all
Growth
Balanced
Conservative

Lifesteps makes it easy - automatically moving your savings into the fund that best matches your age.

When you're younger, you can generally accept more unpredictable investment returns, in exchange for the potential to earn greater returns over the long term. However, as you get older you have less time to recover any losses before needing your retirement savings. Lifesteps aims to reduce the potential for investment losses as you age
Lifesteps does not take personal circumstances into account, such as saving for a first home, so may not be right for everyone.
Sustainable investing
Lifesteps funds are:
  • Nuclear free
  • No controversial weapons
  • No civilian firearm production
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
See the AMP Sustainable Investment Philosophy for more information.

The fund aims to achieve high returns, to do that there will be some big ups and downs in the value of your balance.

Minimum suggested investment timeframe 10 years
Member fee $23.4
Annual fund charges 0.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 5.33%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve long term capital growth through exposure to shares of companies located in New Zealand and Australia.

Minimum suggested investment timeframe 10 years
Member fee $23.4
Annual fund charges 0.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 3.86%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve medium returns, in exchange there will be some movements up and down in the value of your investments.

Minimum suggested investment timeframe 4 years
Member fee $23.4
Annual fund charges 0.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 3.39%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve medium returns, in exchange there will be some movements up and down in the value of your investments.

Minimum suggested investment timeframe 4 years
Member fee $23.4
Annual fund charges 0.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 3.88%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve modest and stable returns, in exchange there should be no significant short-term movements in the value of your balance.

Minimum suggested investment timeframe 1 years
Member fee $23.4
Annual fund charges 0.58%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 0.41%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve modest to medium returns, in exchange there may be small up and down movements in the value of your balance.

Minimum suggested investment timeframe 2 years
Member fee $23.4
Annual fund charges 0.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 0.88%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to primarily preserve the value of your investment with some capital growth by investing in fixed interest securities issues in bond markets around the world (which may include NZ bond markets).

Minimum suggested investment timeframe 3 years
Member fee $23.4
Annual fund charges 0.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 -0.92%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve medium to high returns, to do that there will be some moderate to big ups and downs in the value of your balance.

Minimum suggested investment timeframe 7 years
Member fee $23.4
Annual fund charges 0.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 4.9%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve long term capital growth through exposure to equities of companies listed on stock exchanges around the world.

Minimum suggested investment timeframe 10 years
Member fee $23.4
Annual fund charges 0.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 9.02%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve long term capital growth through exposure to equities of companies listed on stock exchanges around the world.

Minimum suggested investment timeframe 10 years
Member fee $23.4
Annual fund charges 0.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 10.42%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve medium returns, to do that there will be some moderate ups and downs in the value of your balance.

Minimum suggested investment timeframe 4 years
Member fee $23.4
Annual fund charges 0.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 2.46%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve modest to medium returns, in exchange there may be small movements up and down in the value of your balance.

Minimum suggested investment timeframe 4 years
Member fee $23.4
Annual fund charges 0.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 1.73%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to primarily preserve the value of investment with some capital growth by investing predominantly in New Zealand fixed interest assets.

Minimum suggested investment timeframe 3 years
Member fee $23.4
Annual fund charges 0.8%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 -2.63%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund invests mainly in share and listed property assets, with some exposure to cash and fixed interest assets.

Minimum suggested investment timeframe 4 years
Member fee $23.4
Annual fund charges 1.15%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 6.27%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund invests mainly in cash and fixed interest assets, with a smaller exposure to share and listed property assets.

Minimum suggested investment timeframe 2 years
Member fee $23.4
Annual fund charges 1.05%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 2.07%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund invests mainly in share and listed property assets, with a smaller exposure to cash and fixed interest assets.

Minimum suggested investment timeframe 7 years
Member fee $23.4
Annual fund charges 1.25%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 7.41%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve long term capital growth through exposure to listed property and other property securities in New Zealand and around the world.

Minimum suggested investment timeframe 10 years
Member fee $23.4
Annual fund charges 1.09%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 3.12%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide moderate to high total returns with a negative return expected less than one in every five years.

Minimum suggested investment timeframe 4 years
Member fee $23.4
Annual fund charges 1.06%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 3.75%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide high total returns with a negative return expected less than one in every four years.

Minimum suggested investment timeframe 7 years
Member fee $23.4
Annual fund charges 1.11%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 5.25%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide moderate returns with a negative return expected less than one in every seven years.

Minimum suggested investment timeframe 2 years
Member fee $23.4
Annual fund charges 1.01%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 1.36%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

This is a diversified fund that aims to generate a positive return above inflation and actively respond to market conditions with a flexible approach to investing.

Minimum suggested investment timeframe 4 years
Member fee $23.4
Annual fund charges 1.61%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 2.68%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide a gross fixed monthly income in excess of bank deposit rates, along with a positive return on capital over the long term.

Minimum suggested investment timeframe 3 years
Member fee $23.4
Annual fund charges 1.11%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 3.9%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve enhanced longer term returns from the 60% benchmark allocation to growth assets.

Minimum suggested investment timeframe 4 years
Member fee $23.4
Annual fund charges 1.32%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 4.28%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The Fund’s objective is to provide annual returns of 10% after fees, but before tax, cost and expenses, over the minimum recommended investment timeframe of seven years. It is a diversified fund that primarily invests in equities, with a moderate allocation to fixed interest securities.

Minimum suggested investment timeframe 7 years
Member fee $23.4
Annual fund charges 1.65%
Average 3- return (after fees, but before tax)*
 NA

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The Fund’s objective is to maximise capital growth after fees, but before tax, cost and expenses, over the minimum recommended investment timeframe of ten years. It primarily invests in international equities, with a moderate allocation to Australasian equities.

Minimum suggested investment timeframe 10 years
Member fee $23.4
Annual fund charges 1.5%
Average 3- return (after fees, but before tax)*
 NA

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The Fund’s objective is to provide capital growth after fees, but before tax, cost and expenses, over the minimum recommended investment timeframe of five years. It is a diversified fund that primarily invests in equities, with a significant allocation to fixed interest securities.

Minimum suggested investment timeframe 5 years
Member fee $23.4
Annual fund charges 1.36%
Average 3- return (after fees, but before tax)*
 NA

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The Fund’s objective is to provide moderate returns and protect capital returns after fees, but before tax, cost and expenses, over the minimum recommended investment timeframe of three years. It is a diversified fund that primarily invests in fixed interest securities, with a moderate allocation to equities.

Minimum suggested investment timeframe 3 years
Member fee $23.4
Annual fund charges 1.25%
Average 3- return (after fees, but before tax)*
 NA

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide investors with a carefully constructed balance of diversified assets in a manner that aims to both optimise investment returns and to minimise the risk of investment loss, and to preserve the capital value of investing funds over the longer term in real terms.

Minimum suggested investment timeframe 4 years
Member fee $23.4
Annual fund charges 1.33%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 2.53%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to minimise the risk of investment loss while optimising investment returns and to preserve the capital value of invested funds over the long term in real terms.

Minimum suggested investment timeframe 2 years
Member fee $23.4
Annual fund charges 1.12%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 1.33%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide investors with a portfolio of predominantly growth assets to deliver growth in capital value over the long term.

Minimum suggested investment timeframe 7 years
Member fee $23.4
Annual fund charges 1.35%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 3.9%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve high returns, to do that there will be some big ups and downs in the value of your balance.

Minimum suggested investment timeframe 10 years
Annual fund charges 2.95%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 5.61%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve long term capital growth through exposure to shares of companies located in New Zealand and Australia.

Minimum suggested investment timeframe 10 years
Annual fund charges 2.75%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 3.8%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve medium returns, to do that there will be some moderate ups and downs in the value of your balance.

Minimum suggested investment timeframe 4 years
Annual fund charges 2.88%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 3.55%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve medium returns, in exchange there will be some movements up and down in the value of your investments.

Minimum suggested investment timeframe 4 years
Annual fund charges 2.88%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 4.09%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

Minimum suggested investment timeframe 4 years
Annual fund charges 2.84%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 5.48%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve modest and stable returns, in exchange there should be no significant short-term movements in the value of your balance.

Minimum suggested investment timeframe 1 years
Annual fund charges 2.56%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 0.41%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve modest to medium returns, in exchange there may be small up and down movements in the value of your balance.

Minimum suggested investment timeframe 2 years
Annual fund charges 2.73%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 1.04%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to primarily preserve the value of your investment with some capital growth by investing in fixed interest securities issues in bond markets around the world (which may include NZ bond markets).

Minimum suggested investment timeframe 3 years
Annual fund charges 2.68%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 -0.27%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve medium to high returns, to do that there will be some moderate to big ups and downs in the value of your balance.

Minimum suggested investment timeframe 7 years
Annual fund charges 2.81%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 5.2%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve long term capital growth through exposure to equities of companies listed on stock exchanges around the world.

Minimum suggested investment timeframe 10 years
Annual fund charges 2.58%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 9.6%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve long term capital growth through exposure to equities of companies listed on stock exchanges around the world.

Minimum suggested investment timeframe 10 years
Annual fund charges 2.58%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 10.39%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve medium returns, to do that there will be some moderate ups and downs in the value of your balance.

Minimum suggested investment timeframe 4 years
Annual fund charges 2.88%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 2.58%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve modest to medium returns, in exchange there may be small movements up and down in the value of your balance.

Minimum suggested investment timeframe 4 years
Annual fund charges 2.83%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 1.89%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to primarily preserve the value of investment with some capital growth by investing predominantly in New Zealand fixed interest assets.

Minimum suggested investment timeframe 3 years
Annual fund charges 2.56%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 -2.46%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund invests mainly in share and listed property assets, with some exposure to cash and fixed interest assets.

Minimum suggested investment timeframe 4 years
Annual fund charges 2.91%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 6.51%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund invests mainly in cash and fixed interest assets, with a smaller exposure to share and listed property assets.

Minimum suggested investment timeframe 2 years
Annual fund charges 2.81%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 2.11%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund invests mainly in share and listed property assets, with a smaller exposure to cash and fixed interest assets.

Minimum suggested investment timeframe 7 years
Annual fund charges 3.01%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 7.49%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve long term capital growth through exposure to listed property and other property securities in New Zealand and around the world.

Minimum suggested investment timeframe 10 years
Annual fund charges 2.85%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 2.78%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide moderate to high total returns with a negative return expected less than one in every five years.

Minimum suggested investment timeframe 4 years
Annual fund charges 2.72%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 4.02%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide high total returns with a negative return expected less than one in every four years.

Minimum suggested investment timeframe 7 years
Annual fund charges 2.87%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 5.52%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide moderate returns with a negative return expected less than one in every seven years.

Minimum suggested investment timeframe 2 years
Annual fund charges 2.77%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 1.43%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

Minimum suggested investment timeframe 2 years
Annual fund charges 2.68%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 3.05%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

This is a diversified fund that aims to generate a positive return above inflation and actively respond to market conditions with a flexible approach to investing.

Minimum suggested investment timeframe 4 years
Annual fund charges 3.37%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 2.84%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide a gross fixed monthly income in excess of bank deposit rates, along with a positive return on capital over the long term.

Minimum suggested investment timeframe 3 years
Annual fund charges 2.87%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 4.28%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve enhanced longer term returns from the 60% benchmark allocation to growth assets.

Minimum suggested investment timeframe 4 years
Annual fund charges 3.08%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 4.5%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The Fund’s objective is to achieve an annual returns of 10% after fees, but before tax, cost and expenses, over the minimum recommended investment timeframe of seven years. It is a diversified fund that primarily invests in equities, with a moderate allocation to fixed interest securities.

Minimum suggested investment timeframe 7 years
Annual fund charges 3.79%
Average 3- return (after fees, but before tax)*
 NA

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The Fund’s objective is to maximise capital growth after fees, but before tax, cost and expenses, over the minimum recommended investment timeframe of ten years. It primarily invests in international equities, with a moderate allocation to Australasian equities.

Minimum suggested investment timeframe 10 years
Annual fund charges 3.64%
Average 3- return (after fees, but before tax)*
 NA

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The Fund’s objective is to achieve capital growth after fees, but before tax, cost and expenses, over the minimum recommended investment timeframe of five years. It is a diversified fund that primarily invests in equities, with a significant allocation to fixed interest securities.

Minimum suggested investment timeframe 5 years
Annual fund charges 3.5%
Average 3- return (after fees, but before tax)*
 NA

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The Fund’s objective is to achieve moderate returns and protect capital returns after fees, but before tax, cost and expenses, over the minimum recommended investment timeframe of three years. It is a diversified fund that primarily invests in fixed interest securities, with a moderate allocation to equities.

Minimum suggested investment timeframe 3 years
Annual fund charges 3.39%
Average 3- return (after fees, but before tax)*
 NA

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide investors with a carefully constructed balance of diversified assets in a manner that aims to both optimise investment returns and to minimise the risk of investment loss, and to preserve the capital value of investing funds over the longer term in real terms.

Minimum suggested investment timeframe 4 years
Annual fund charges 3.09%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 2.81%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to minimise the risk of investment loss while optimising investment returns and to preserve the capital value of invested funds over the long term in real terms.

Minimum suggested investment timeframe 2 years
Annual fund charges 2.88%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 1.59%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide investors with a portfolio of predominantly growth assets to deliver growth in capital value over the long term.

Minimum suggested investment timeframe 7 years
Annual fund charges 3.1%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2022 3.93%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.
Please select at least one fund

Choose how your money is invested.

Set the proportion of your money you would like to invest in each fund.

    0%
    Total percentage must add up to 100%

    Set your contributions.

    Enter the contributions for KiwiSaver.

    Enter the contributions for NZRT.

    That's it for the KiwiSaver questions - we'll now move to NZRT.

    The questions will be the same, but now you need to think about how you want to make the most out of NZRT.
    Important Information

    Disclosure information: Under the Financial Market Conduct Act 2013, we are required to provide certain important information to you in relation to the regulated financial advice that we give. This information is given where we provide a recommendation to you as part of your interaction with the Help me choose tool.

    AMP Wealth Management New Zealand Limited is the issuer and manager of the AMP KiwiSaver Scheme and New Zealand Retirement Trust (NZRT).

    For more information on the AMP KiwiSaver Scheme, download a copy of the AMP KiwiSaver Scheme Product Disclosure Statement and Fund Update Booklet.

    For more information on the New Zealand Retirement Trust, download a copy of the NZRT Scheme Product Disclosure Statement and Fund Update Booklet.

    The "Help me choose" tool is intended as a guide only, and results are based solely on your responses to the questions. Depending on your attitude to risk, the minimum suggested investment timeframe for a fund shown may differ from your own investment timeframe.

    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 financial advice, unless otherwise specified. Before acting on any of the results provided, we recommend that you seek advice which takes your individual circumstances into account.

    Annual fund charges have been estimated as a percentage of each fund's net asset value.

    All information you provide us in this application will be kept secure. We may contact you if we have any questions about the information you provide.

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