The GoalsGetter KiwiSaver scheme offers a selection of high quality, hand-picked funds from New Zealand’s leading fund managers.
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We’ve undertaken a diligent selection process to provide you with confidence in the quality of all managers and funds available.
Regardless of whether you’re saving for your first home or retirement, it’s important to check you're invested in the right funds.
To learn more about the types of funds you can access through the GoalsGetter KiwiSaver Scheme, click on the Summary and Performance tabs below.
You can compare funds different at the same time to discover which may be the best funds for you.
Select up to two funds to compare across both the Summary and Performance tabs below, to discover the best fund for you.
Growth funds aim for strong investment growth over the long term, with a greater likelihood of ups and downs along the way. These types of funds do this by investing mostly in shares, with a moderate exposure to other assets such as bonds and alternatives.
Select funds to compare side by side
| Fund name | Asset mix | Suggested minimum timeframe | Risk Indicator | Compare | |
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| Generate Focused Growth Fundas at 30 June 2024 | Details | Growth 95.0% / Income 5.0% | 8 Years |
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| Harbour Active Growth Fundas at 30 June 2024 | Details | Growth 65.0% / Income 30.0% / Other 5.0% | 5 Years |
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| Milford Active Growth Fundas at 30 June 2024 | Details | Growth 78.0% / Income 22.0% | 7 Years |
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| Nikko AM Growth Fundas at 30 June 2024 | Details | Growth 78.0% / Income 17.0% / Other 5.0% | 5 Years |
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| Pathfinder Ethical Growth Fundas at 30 June 2024 | Details | Growth 66.8% / Income 28.2% / Other 5.0% | 8 - 10 Years |
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| Salt Sustainable Growthas at 30 June 2024 | Details | Growth 80.0% / Income 20.0% | 5 Years |
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Balanced funds aim for a steady investment return over the medium to longer term without too many ups and downs. These types of funds do this by investing across a range asset classes with exposure to shares for growth complemented by exposure to bonds and alternatives to reduce volatility.
Select funds to compare side by side
| Fund name | Asset mix | Suggested minimum timeframe | Risk Indicator | Compare | |
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| Generate Balanced Fundas at 30 June 2024 | Details | Growth 60.0% / Income 40.0% | 5 Years |
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| Harbour Sustainable Impact Fundas at 30 June 2024 | Details | Growth 55.0% / Income 27.5% / Other 17.5% | 5 Years |
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| Milford Balanced Fundas at 30 June 2024 | Details | Growth 60.0% / Income 40.0% | 5 Years |
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| Nikko AM Balanced Fundas at 30 June 2024 | Details | Growth 59.0% / Income 36.0% / Other 5.0% | 3 Years |
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Conservative funds aim for more modest investment returns which grow steadily over time, with less likelihood of ups and downs. These types of funds do this this by investing mostly in bonds and cash, but also complemented by some exposure to shares.
Select funds to compare side by side
| Fund name | Asset mix | Suggested minimum timeframe | Risk Indicator | Compare | |
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| Milford Conservative Fundas at 30 June 2024 | Details | Growth 18.0% / Income 82.0% | 3 Years |
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| Nikko AM Conservative Fundas at 30 June 2024 | Details | Growth 23.0% / Income 77.0% | 2 Years |
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Our other funds are invested in a specific asset class, such as NZ Shares or a specific sector within that class such as property. With GoalsGetter you can hand-pick a specific fund you want to invest in, or you can choose a variety of single sector funds to diversify your portfolio.
Learn about the Nikko AM single sector funds available with GoalsGetter here.
Select funds to compare side by side
| Fund name | Asset Type | Asset mix | Suggested minimum timeframe | Risk Indicator | Compare | |
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| Generate Thematic Fundas at 30 June 2024 | Details | Shares | Growth 98.0% / Income 2.0% | 10 Years |
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| Nikko AM ARK Disruptive Innovation Fundas at 30 June 2024 | Details | Shares | Growth 100% | 7+ Years |
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| Nikko AM Global Shares Fundas at 30 June 2024 | Details | Shares | Growth 100% | 5 Years |
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| Nikko AM SRI Equity Fundas at 30 June 2024 | Details | Shares | Growth 100% | 5 Years |
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| Nikko AM NZ Cash Fundas at 30 June 2024 | Details | Bonds | Income 100% | 3 Months |
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| Nikko AM NZ Corporate Bond Fundas at 30 June 2024 | Details | Bonds | Income 100% | 2 Years |
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Growth funds aim for strong investment growth over the long term, with a greater likelihood of ups and downs along the way. These types of funds do this by investing mostly in shares, with a moderate exposure to other assets such as bonds and alternatives.
| Fund name | 1 year | 3 years | 5 years | |
|---|---|---|---|---|
| Generate Focused Growth Fundas at 30 June 2024, returns before tax / after fees | Details | |||
| Harbour Active Growth Fundas at 30 June 2024, returns before tax / after fees | Details | |||
| Milford Active Growth Fundas at 30 June 2024, returns before tax / after fees | Details | |||
| Nikko AM Growth Fundas at 30 June 2024, returns before tax / after fees | Details | 11.11% | 0.32% | 5.07% |
| Pathfinder Ethical Growth Fundas at 30 June 2024, returns before tax / after fees | Details | |||
| Salt Sustainable Growthas at 30 June 2024, returns before tax / after fees | Details |
Balanced funds aim for a steady investment return over the medium to longer term without too many ups and downs. These types of funds do this by investing across a range asset classes with exposure to shares for growth complemented by exposure to bonds and alternatives to reduce volatility.
| Fund name | 1 year | 3 years | 5 years | |
|---|---|---|---|---|
| Generate Balanced Fundas at 30 June 2024, returns before tax / after fees | Details | |||
| Harbour Sustainable Impact Fundas at 30 June 2024, returns before tax / after fees | Details | |||
| Milford Balanced Fundas at 30 June 2024, returns before tax / after fees | Details | |||
| Nikko AM Balanced Fundas at 30 June 2024, returns before tax / after fees | Details | 9.10% | 0.09% | 3.63% |
Conservative funds aim for more modest investment returns which grow steadily over time, with less likelihood of ups and downs. These types of funds do this this by investing mostly in bonds and cash, but also complemented by some exposure to shares.
Our other funds are invested in a specific asset class, such as NZ Shares or a specific sector within that class such as property. With GoalsGetter you can hand-pick a specific fund you want to invest in, or you can choose a variety of single sector funds to diversify your portfolio.
Learn about the Nikko AM single sector funds available with GoalsGetter here.
| Fund name | 1 year | 3 years | 5 years | |
|---|---|---|---|---|
| Generate Thematic Fundas at 30 June 2024, returns before tax / after fees | Details | |||
| Nikko AM ARK Disruptive Innovation Fundas at 30 June 2024, returns before tax / after fees | Details | 2.96% | -25.35% | |
| Nikko AM Global Shares Fundas at 30 June 2024, returns before tax / after fees | Details | 21.83% | 8.05% | 13.17% |
| Nikko AM SRI Equity Fundas at 30 June 2024, returns before tax / after fees | Details | -0.20% | -0.46% | 3.58% |
| Nikko AM NZ Cash Fundas at 30 June 2024, returns before tax / after fees | Details | 6.13% | 3.68% | 2.70% |
| Nikko AM NZ Corporate Bond Fundas at 30 June 2024, returns before tax / after fees | Details | 6.62% | 0.58% | 1.42% |
This number indicates the relative 'risk' level of this fund based on the types of assets it is invested in, ranging from level 1 (least risky) to 7 (most risky).
| Risk category | Description of volatility |
| 1 | Very low |
| 2 | Low |
| 3 | Medium |
| 4 | Medium to High |
| 5 | High |
| 6 | Very high |
| 7 | Extremely high |
The risk indicators are calculated using returns of the funds, the returns of the fund’s market index or a combination of both, for the previous five years. Index returns or a mix are used if the fund has existed for less than five years. All Managers are required to use the same methodology so you can compare the risk of different funds if you are researching more than one manager.
Learn about the role KiwiSaver plays in an overall investment strategy and how to optimise your KiwiSaver savings now, so you can retire with more.
Thinking about drawing down on KiwiSaver early for your first home? Wondering what other situations apply for early withdrawal? Find out when and how much you can withdraw here.
Sometimes life throws you curve balls. Learn about the special situations when you can apply to withdraw some or all of your KiwiSaver investment early.
GoalsGetter is free to use, but when you invest, standard fees to manage your investment apply. Find out about the types of fees that apply for our Nikko AM retail and KiwiSaver funds.
