What fund is best for you?

Getting the right fit can make all the difference in achieving your savings goals.

When deciding what type of fund to choose, it’s best to start with thinking about what kind of journey you want to take and how much help you’d like.

Pick one of our 3 ways to choose a fund (or funds) below:  Choose for me, Help me choose, or Choose yourself.


Choose for me

Lifesteps is designed for savers who want their investment strategy taken care of by AMP.
Our innovative Lifesteps programme 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.

Help me choose

What fund might suit you?
Answer three quick questions to find out.

Choose yourself

Whether you’re new to KiwiSaver or an experienced investor, our extensive range of 27 funds gives you more control and greater flexibility.

‣ full control over your choice of funds
‣ choose funds from five different investment managers
‣ select up to seven funds without any additional fees

AMP Guide: your risk appetite


You seek some growth but are cautious. You’re willing to accept low or lower returns to achieve this objective.

Conservative funds can change less over time.


You seek medium to high returns from your investment and are prepared to accept some fluctuations in the value of your investment to achieve this.

Balanced funds can have moderate changes.


You want high returns from your investment over the long term and are prepared to accept potentially significant fluctuations in the value of your investment to achieve this.

Growth funds can change more over time.

AMP Guide: changing funds

Why should I change funds?

Getting your money invested in the right fund could make a significant difference to how much you have when you retire. It could be the next step you take to achieve that ideal savings goal you’ve always had in mind. In short, making sure you are in the right fund is a great way to get ahead financially.

You can change your fund in MyAMP:

Think about changing if:

• You want to make your money work harder by moving your savings to a growth fund
• You’re nearing retirement or getting ready to buy your first home, as moving to a conservative fund may have fewer ups and downs
• If you don’t remember choosing a fund when you opened your KiwiSaver account

Important information

AMP Wealth Management New Zealand Limited is the issuer and manager of the AMP KiwiSaver Scheme (the 'Scheme'). The Supervisor of the Scheme is The New Zealand Guardian Trust Company Limited.
For more information, download a copy of the AMP KiwiSaver Scheme Product Disclosure Statement and Fund Update Booklet, which have been lodged on the Scheme's offers register entry at companiesoffice.govt.nz/disclose.
Please note that investment in the Scheme carries risk and we recommend that you read the entire Product Disclosure Statement and Fund Update Booklet to help you assess the risk of investing in the Scheme.
Underlying assets of some of the investment funds comprised in the Scheme will rise and fall in value and returns may (with exceptions) from time to time be negative. Depending on the particular investment fund and the length of time for which an investor has invested, it is possible that an investor may receive less than the initial investment on withdrawal.
While care has been taken to supply information on this website that is accurate, none of AMP Wealth Management New Zealand Limited, the Supervisor, the underlying fund managers, any of their related companies, their directors, the Crown or any other person guarantees the Scheme, any investment in the Scheme, or any returns on an investment in the Scheme, or gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way including from any error or omission. Past performance is not indicative of future performance and is not guaranteed by any party. Returns over different periods may differ.
A disclosure statement is available from your Adviser, on request and free of charge.