What is your expected rate of return?

What is your expected rate of return?

Our Conservative, Balanced, Growth and High Growth funds are broadly diversified and are invested in up to 4000 investments in 20 countries that fluctuate in value everyday. You can see how our funds have performed over various timeframes here.


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    • What's my Prescribed Investor Rate (PIR)

      Your Prescribed Investor Rate (PIR) is rate of tax you pay on the income generated from your KiwiSaver investment. The best place to work out your PIR rate is on the IRD's calculator here. It's your responsibility to update your PIR rate if it ...
    • How is KiwiSaver taxed?

      The investments within the Defensive, Conservative, Balanced, Growth and High Growth Funds are taxed based on the tax regime that relates to each of them. So, for example, there is no tax paid on capital gains from New Zealand and Australian shares; ...
    • How do employer and employee contributions work?

      When you join KiwiSaver for the first time, the default contribution rate is 3% for both employees and employers, with payments made automatically each time you're paid your salary/wages. You can choose to contribute more - 4%, 6%, 8% or 10% - by ...
    • How much will I pay in fees?

      The annual fees on our KiwiSaver accounts simply have a 0.25% per annum management fee. This equates to $2.50 per $1000 that you have invested. This fee is deducted at a daily rate and displayed on your online account in dollar figures. As a ...

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