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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.

  • 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
  • Sustainably certified: I want to invest in a certified responsible fund that screens out bad investments and focuses 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

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 $23.40
Annual fund charges 0.79%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 9.82%

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 $23.40
Annual fund charges 0.77%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 4.82%

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 $23.40
Annual fund charges 0.79%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 7.38%

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 $23.40
Annual fund charges 0.79%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 7.35%

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 $23.40
Annual fund charges 0.57%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 4.33%

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 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 $23.40
Annual fund charges 0.79%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 4.62%

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 $23.40
Annual fund charges 0.77%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 1.01%

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 $23.40
Annual fund charges 0.79%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 8.94%

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 $23.40
Annual fund charges 0.76%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 13.53%

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 $23.40
Annual fund charges 0.76%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 13.63%

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 $23.40
Annual fund charges 0.79%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 6.43%

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 $23.40
Annual fund charges 0.79%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 5.57%

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 $23.40
Annual fund charges 0.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 2.22%

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 total returns consistent with a Balanced Growth investor profile over the medium to long term.

Minimum suggested investment timeframe 4 years
Member fee $23.40
Annual fund charges 1.09%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 5.72%

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 total returns consistent with a Conservative investor profile over the medium to long term.

Minimum suggested investment timeframe 2 years
Member fee $23.40
Annual fund charges 0.99%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 3.53%

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 achieve total returns consistent with a Growth investor profile over the medium to long term.

Minimum suggested investment timeframe 7 years
Member fee $23.40
Annual fund charges 1.14%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 6.43%

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.

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 $23.40
Annual fund charges 1.2%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 5.80%

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 $23.40
Annual fund charges 1.64%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 9.19%

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 $23.40
Annual fund charges 1.49%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 9.59%

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’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 4 years
Member fee $23.40
Annual fund charges 1.35%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 7.20%

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 $23.40
Annual fund charges 1.24%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 5.71%

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 $23.40
Annual fund charges 1.05%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 6.78%

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 high total returns with a negative return expected less than one in every four years.

Minimum suggested investment timeframe 7 years
Member fee $23.40
Annual fund charges 1.1%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 8.04%

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 $23.40
Annual fund charges 1.0%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 5.12%

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.

Lifesteps is an investment plan that automatically puts your savings into the fund that best matches your age, so you don't have to worry about changing funds as you get older.

The relevant funds and age ranges are set out below:
  • AMP Aggressive Fund (up to age 31)
  • AMP Growth Fund (ages 31-39)
  • AMP Balanced Fund (ages 40-47)
  • AMP Moderate Balanced Fund (ages 48-56)
  • AMP Moderate Fund (ages 57-64)
  • AMP Conservative Fund (age 65+)
Lifesteps does not take personal circumstances into account, such as saving for a first home, so may not be right for everyone.

How Lifesteps works

Sustainable investing

This fund is:
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
  • No nuclear weapons
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
Annual fund charges 2.96%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 9.63%

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 2.73%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 4.79%

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 2.89%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 7.25%

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 2.89%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 7.20%

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 2.86%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 7.27%

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 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 2.55%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 4.31%

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 2.72%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 4.62%

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 2.66%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 0.99%

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 2.82%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 8.86%

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 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 2.57%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 13.78%

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 2.57%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 13.70%

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 2.89%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 6.28%

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 2025 5.51%

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 2.54%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 2.47%

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 2.67%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 4.70%

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 total returns consistent with a Balanced Growth investor profile over the medium to long term.

Minimum suggested investment timeframe 4 years
Annual fund charges 2.85%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 5.95%

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 total returns consistent with a Conservative investor profile over the medium to long term.

Minimum suggested investment timeframe 2 years
Annual fund charges 2.75%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 3.71%

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 total returns consistent with a Growth investor profile over the medium to long term.

Minimum suggested investment timeframe 7 years
Annual fund charges 2.91%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 6.62%

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 2.97%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 6.04%

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 3.78%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 9.05%

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.

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 3.63%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 9.41%

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’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 4 years
Annual fund charges 3.49%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 6.90%

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 3.38%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 5.43%

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.

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 2.71%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 7.08%

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 2.86%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 8.23%

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 2.76%
Average 3-Years return (after fees, but before tax)*
*as at 31 May 2025 5.35%

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.

Lifesteps is an investment plan that automatically puts your savings into the fund that best matches your age, so you don't have to worry about changing funds as you get older.

The relevant funds and age ranges are set out below:
  • AMP Aggressive Fund (up to age 31)
  • AMP Growth Fund (ages 31-39)
  • AMP Balanced Fund (ages 40-47)
  • AMP Moderate Balanced Fund (ages 48-56)
  • AMP Moderate Fund (ages 57-64)
  • AMP Conservative Fund (age 65+)
Lifesteps does not take personal circumstances into account, such as saving for a first home, so may not be right for everyone.

How Lifesteps works

Sustainable investing

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

    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.
    The information provided by the tool and on this website is of a general nature and does not constitute personalised financial advice. If you would like advice on the benefits of the AMP KiwiSaver Scheme in comparison to other schemes, or which takes your individual circumstances into account, we recommend that you seek professional or financial advice.

    ¹ Sustainably certified – this tool recommends funds offered within the AMP KiwiSaver scheme and New Zealand Retirement Trust that are certified by the Responsible Investment Association of Australasia (RIAA) as meeting the Australian and New Zealand standard for responsible investing. For more information talk to your adviser.