How we invest


Sustainable growth and stability for our members


AMP exists to help Kiwis achieve a better financial future

We’ve been doing this since 1854 - so we understand, better than anyone, that good things take time. ​ We take a long-term approach to investing - prioritising sustainable growth and stability for our members. ​We provide simple, accessible & sustainable index tracking managed funds.​ Our funds aim for market returns, while keeping investment costs down – meaning higher-than-average returns for our members.​

How AMP funds compare to the industry average

3-year returns as of March 2026*. This graph shows how our KiwiSaver funds have performed against the industry average since we changed our investment approach. How investments have performed in the past doesn’t always show how they’ll do in the future. Returns can go up or down, and nothing is guaranteed.

What changed in 2021?


In 2021 we reshaped our investment strategy, moving to a core index-led approach run by our New Zealand-based team. The goal was to simplify the way we invest, lower costs, and improve investment outcomes for our customers.

As part of this transformation, AMP appointed BlackRock® to provide key investment management services across all AMP-branded funds. Their global expertise supports our asset allocation and portfolio management, while we retain full control over our overall investment strategy.

This is why, when we show how our funds have performed, we focus on the period since 2021: it reflects how the funds are managed today. Performance from earlier periods reflects a different investment approach. As with any investment, how our funds have performed in the past doesn't always show how they'll do in the future, returns can go up or down, and nothing is guaranteed. 

 


Choice is important


Investing isn’t one size fits all. That's why we offer a variety of investment options from leading investment and fund managers. This gives you more options to pick from, depending on what works best for you. 


Taking the long view


When it comes to investing, taking a long-term perspective takes the emotion out of the equation. You learn to trust the market's long-term upward trajectory and have the confidence to ride out the inevitable ups and downs. 


Sustainable investing


We’re committed to making sustainable investment decisions that, first and foremost, aim to deliver healthy fund performance, but also provide better value for money and help create a brighter future for generations to come.  

Book a call with a KiwiSaver expert


Getting the right advice now is critical if you want to get to where you want to be in your retirement. Our team of KiwiSaver experts can help you get cracking on a plan designed exclusively for you. Book a call now for a no obligation free chat!
Important Information


*Source: Morningstar KiwiSaver 360 Quarterly report as at 31 March 2026. All returns shown are before tax and after fees (except any membership fees charged in dollars, AMP charges $23.40p.a.). Past performance is not indicative of future performance. Investing involves risk. No person or entity guarantees the performance or any investment of the AMP KiwiSaver Scheme, AMP Managed Funds, or New Zealand Retirement Trust (“NZRT”), including the returns on that investment. The minimum suggested investment timeframe for the AMP KiwiSaver Scheme Conservative, Balanced Fund, Growth Fund and International Shares Fund is more than 3 years. 


BlackRock® is a registered trademark of BlackRock, Inc. and its affiliates ("BlackRock") and is used under license. BlackRock makes no representations or warranties regarding the advisability of investing in any product or the use of any service offered by AMP Wealth Management New Zealand Limited. BlackRock has no obligation or liability in connection with the operation, marketing, trading or sale of any product or service offered by AMP Wealth Management New Zealand Limited.