KiwiSaver
Award-winning
AMP's KiwiSaver Aggressive Fund received Canstar's 2026 Outstanding Value Award
Aggressive funds are a diversified mix of investments, mainly made up of growth assets (such as shares), with a small allocation to income assets. This means they can experience larger fluctuations in value but offer the greatest potential for long-term growth. They’re generally suited to investment timeframes of 10 years or more. If you think the AMP Aggressive Fund might be right for you, we recommend talking to an AMP Adviser. For more information, see the AMP KiwiSaver Scheme Product Disclosure Statement.
Choosing AMP KiwiSaver Scheme is now as simple as...
#1 in Growth
Out of 31 funds over 3 yrs
#2 in Aggressive
Out of 14 funds over 3 yrs
#3 in Balanced
Out of 31 funds over 3 yrs
We moved to index-based investing in 2021 and here’s where our funds now rank amongst other KiwiSaver funds, independently ranked by Morningstar®.* These 3-year rankings are annualised after-fee returns to 30 June 2026.
Rankings are a snapshot of returns at a point in time. These funds are designed for the long-term, with recommended investment timeframe of +4 years for Balanced, +7years for Growth and +10 years for Aggressive.
See how we are tracking over time. Over 5-years our rankings are Growth: 6th out of 29 funds, Aggressive: 3rd out of 12 funds and Balanced: 8th out of 25 funds. Alongside performance, fees, your risk tolerance and your personal goals are also important considerations. Past performance is not a reliable indicator of future performance.
Working hard for you
Returns and fees both play a part in how your KiwiSaver savings grow over time. That’s why we focus on keeping more of your money invested and working for you over time, along with flexible investment options, including AMP‑named funds and selected third‑party choices to suit your goals and comfort with risk.
Frequently asked questions
What is the 3-year rule for KiwiSaver?
While KiwiSaver acts primarily as a retirement fund, you can also use your savings to help fund the purchase of your first home. The three-year rule states that you must be in KiwiSaver for at least three years before withdrawing funds for your first home. After the three-year mark, you can withdraw your contributions and your employer's contributions for this purpose.
What age do you get KiwiSaver?
You can join KiwiSaver at any age – there is no minimum. That said, 17-year-olds and under must have the consent of at least one legal guardian, and cannot enrol themselves.
Once you join KiwiSaver you can begin to grow your savings through bank deposits and personal contributions through work (the default is 3.5% of your income, but you can choose to contribute above that figure). Employer contributions are not compulsory until you turn 16, at which point employers are required to contribute 3.5%.
How to check my KiwiSaver balance?
If you live in New Zealand and are a KiwiSaver member, you can check your balance through Inland Revenue or your KiwiSaver scheme provider – in the case of AMP, through the MyAMP mobile app or online.
Important information
*Source: Morningstar® KiwiSaver 360 Quarterly Report as at 30 June 2026. All returns shown are before tax and after fees (except any membership fees charged in dollars, AMP charges $23.40p.a.). Please consider the recommended minimum investment timeframe for each fund. Returns differ over different periods, and past performance is not a reliable indicator of future performance. For financial advice relevant to your personal circumstances, we recommend you contact your Adviser. If you don't have an Adviser, contact us on 0800 267 5494.
© 2026 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its affiliates or content providers; (2) may not be copied, adapted or distributed; (3) is not warranted to be accurate, complete or timely; and (4) does not constitute advice of any kind, whether investment, tax, legal or otherwise and 5) has been prepared for New Zealand wholesale clients of Morningstar Research Ltd, subsidiary of Morningstar, Inc and is not intended for New Zealand retail clients. Neither Morningstar nor its content providers are responsible for any damages arising from the use and distribution of this information. Past performance is no guarantee of future results.