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Join the AMP KiwiSaver Scheme

All you'll need is:
- your IRD number
- a NZ photo ID (passport or driver licence)
- about 2 minutes

Start by choosing how your money is invested.
We've got three easy options to help you choose.

Find a fund in 3 clicks

Choose for me based on my age

See all 28 Investment options

This fund might be right for you:

AMP Default Fund

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

Minimum suggested investment timeframe 2 years
Member fee $23.40
Annual fund charges 0.39%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
3.67%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

20%
Growth assets
80%
Income assets

AMP Balanced Fund

The fund aims to achieve medium returns, to do that there may 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 1.19%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
3.71%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

57%
Growth assets
43%
Income assets

AMP Growth Fund

The fund aims to achieve medium to high returns, to do that there may 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 1.20%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
3.88%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

77%
Growth assets
23%
Income assets

AMP Aggressive Fund

The fund aims to achieve high returns, to do that there may 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 1.31%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
3.94%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

87%
Growth assets
13%
Income assets
stairs image

AMP Lifesteps

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

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Lifesteps

Touch image to magnify

Lifesteps makes it easy. Lifesteps 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.
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.

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 may 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 1.31%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
3.94%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 1.15%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

The fund aims to achieve medium returns, to do that there may 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 1.19%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
3.71%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 1.02%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
3.14%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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

Minimum suggested investment timeframe 2 years
Member fee $23.40
Annual fund charges 0.39%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
3.67%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 year
Member fee $23.40
Annual fund charges 0.60%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
1.78%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 $23.40
Annual fund charges 1.63%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

The fund aims to achieve medium to high returns, to do that there may 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 1.20%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
3.88%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 $23.40
Annual fund charges 1.14%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 0.97%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

The fund aims to achieve long term capital growth through exposure to equities of companies listed on stock exchanges around the world (which may include the NZ stock exchange for this fund).

Minimum suggested investment timeframe 10 years
Member fee $23.40
Annual fund charges 1.24%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

The fund aims to achieve medium returns, to do that there may 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 1.18%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
3.52%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 1.13%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
3.36%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 0.83%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

The fund aims to achieve long term capital growth primarily through exposure to a passively managed portfolio of equities of companies listed on international stock exchanges (which may include the NZ stock exchange for this fund).

Minimum suggested investment timeframe 10 years
Member fee $23.40
Annual fund charges 0.88%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 $23.40
Annual fund charges 1.20%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

The fund combines financial analysis with a sustainability focus. The fund aims to provide real returns of around 5% per annum over the medium to long term. The underlying fund has been certified by the Responsible Investment Association of Australasia (RIAA).

Minimum suggested investment timeframe 4 years
Member fee $23.40
Annual fund charges 1.36%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 $23.40
Annual fund charges 1.19%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
4.41%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 $23.40
Annual fund charges 1.29%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 $23.40
Annual fund charges 1.08%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 1.11%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 1.16%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 1.05%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

The fund aims to achieve enhanced longer term returns from the 55% benchmark allocation to growth assets.

Minimum suggested investment timeframe 4 years
Member fee $23.40
Annual fund charges 1.37%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
4.55%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

The fund aims to both optimise investment returns and to minimise the risks 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 $23.40
Annual fund charges 1.44%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
4.86%

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 $23.40
Annual fund charges 1.19%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

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 $23.40
Annual fund charges 1.44%
Average five-year return (after fees, but before tax)*
*as at 31 March 2020
N/A

Investment mix

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Growth assets
Income assets

Choose how your money is invested.

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

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    Total percentage must add up to 100%
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    Important Information

    AMP Wealth Management New Zealand Limited is the issuer and manager of the AMP KiwiSaver Scheme.

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

    The “Find a fund” tool is intended as a guide only, and results are based solely on your responses to the three 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.

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

    While care has been taken to supply information on this website 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. Past performance is not indicative of future performance and is not guaranteed by any party. 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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