KiwiSaver Performance Survey results

The range of returns from KiwiSaver funds is very wide according to the first performance report from research house Morningstar.This survey groups KiwiSaver options according to their mix of income and growth assets, known as their ‘asset allocation’. This is one of the most important decisions to make when saving for retirement income.

The survey does not include all KiwiSaver providers. Organisations like Mercer, Gareth Morgan Investments and Huljich did not participate.

Use these quick links to take you directly to a section on the table.

Default Options
Multisector
Conservative
Moderate
Balanced
Growth
Aggressive
Single Sector Options
Cash
Fixed Income
Property
Australasian Equity
International Equity
Miscellaneous

KiwiSaver Performance Survey – Returns to 30 September 2008
Fund Name Underlying Investment
Manager
3-month
%
6-month
%
1-year
%
Default Options
AMP KiwiSaver Default Fund AMP 0.86 3.41 3.45
ASB KiwiSaver Conservative Fund (Default) ASB Group Invmts 0.95 1.59 1.47
AXA KiwiSaver Income Plus AXA Asia Pacific -1.23 -0.72 -2.71
ING KiwiSaver – Conservative Fund ING 1.1 1.34 2.36
TOWER KiwiPlan-Cash Enhanced Tower 0.18 1.45 3.36
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Multisector Options
Conservative
AMP KiwiSaver Default Fund AMP 0.86 3.41 3.45
ANZ KiwiSaver – Conservative Fund ING 1.67 1.87 2.39
ASB FirstChoice KiwiSaver Tracker Conserv Fund ASB Group Invmts 0.83 1.48 1.22
ASB KiwiSaver Conservative Fund (Default) ASB Group Invmts 0.95 1.59 1.47
Asteron KiwiSaver Conservative Fund Tyndall 0.27 0.23 -2.11
AXA KiwiSaver Income Plus AXA Asia Pacific -1.23 -0.72 -2.71
Fidelity KiwiSaver-Capital Guaranteed Kiwi Fidelity Life 2.04
Fidelity KiwiSaver-Conservative Kiwi Fund Fidelity Life 1.36 2.9 3.62
ING KiwiSaver – Conservative Fund ING 1.1 1.34 2.36
ING KiwiSaver SIL Conservative Fund ING 1.72 1.9 3.15
National Bank KiwiSaver – Conservative ING 1.68 1.86 2.49
Smartshares Smartkiwi Conservative Fund NZ Exchange 2.32 2.32 0.59
TOWER KiwiPlan-Cash Enhanced Tower 0.18 1.45 3.36
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Moderate
AMP KiwiSaver Conservative Fund AMP 1.88 4.65 3.47
AMP KiwiSaver Moderate Fund AMP 0.22 3.08 -0.57
ANZ KiwiSaver – Conservative Balanced Fund ING 0.7 0.36 -2.13
ASB FirstChoice KiwiSaver Active Conservative Fund ASB Group Invmts -0.6 -0.46 -4.19
ASB FirstChoice KiwiSaver Tracker Moderate Fund ASB Group Invmts -0.27 -0.86 -4.87
ASB KiwiSaver Moderate Fund ASB Group Invmts 0.05 -0.48 -4.21
AXA KiwiSaver Conservative AXA Asia Pacific -1.1
ING KiwiSaver – Conservative Balanced ING -0.16 -0.42 -2.9
ING KiwiSaver SIL Conservative Balanced Fund ING 0.68 0.34 -1.57
National Bank KiwiSaver – Conservative Balanced ING 0.66 0.31 -2.13
Smartshares Smartkiwi Balanced Fund NZ Exchange -2.44 -2.22 -13.68
TOWER KiwiPlan-Conservative Tower -1.19 -0.66 -0.41
Westpac KiwiSaver-Conservative Fund BT NZ 0.4 0.9 -1.38
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Balanced
AMP KiwiSaver Balanced – Other Fund AMP -2.12 -0.59 -8.75
AMP KiwiSaver Balanced Fund AMP -2.01 0.83 -6.49
AMP KiwiSaver-ING Balanced Fund ING -0.67 0.96 -4.46
AMP KiwiSaver Moderate Balanced Fund AMP -1.35 1.59 -4.03
AMP KiwiSaver-TOWER Balanced Fund Tower -2.18 -0.99 -4.73
ANZ KiwiSaver – Balanced Fund ING -0.4 -1.32 -6.58
ASB FirstChoice KiwiSaver Active Balanced Fund ASB Group Invmts -3.33 -3.98 -11.55
ASB FirstChoice KiwiSaver Tracker Balanced Fund ASB Group Invmts -2.33 -3.31 -10.71
ASB KiwiSaver Balanced Fund ASB Group Invmts -1.9 -2.85 -10.22
Asteron KiwiSaver Balanced Fund Tyndall -1.52 -1.89 -8.55
AXA KiwiSaver Balanced AXA Asia Pacific -5.43 -6.19 -14.6
Brook Professional KiwiSaver Scheme Balanced Fund Brook Asset Mgmt -1.6 0.98 5.35
Fidelity KiwiSaver-Balanced Kiwi Fund Fidelity Life 1.16 1.75 0.69
Fidelity KiwiSaver-Ethical Kiwi Fidelity Life -1.35
ING KiwiSaver – Balanced ING -1.68 -2.53 -8.14
ING KiwiSaver SIL Balanced Fund ING -0.41 -1.32 -6.02
National Bank KiwiSaver – Balanced ING -0.35 -1.29 -6.56
TOWER KiwiPlan-Balanced Tower -3.44 -3.51 -5.2
Westpac KiwiSaver-Balanced Fund BT NZ -1.81 -2.53 -9.85
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Growth
AMP KiwiSaver Growth Fund AMP -4.34 -1.28 -10.83
ANZ KiwiSaver – Balanced Growth Fund ING -1.45 -2.99 -11.16
ANZ KiwiSaver – Growth Fund ING -2.64 -4.88 -15.74
ASB FirstChoice KiwiSaver Active Growth Fund ASB Group Invmts -5.13 -6.18 -16.81
ASB FirstChoice KiwiSaver Tracker Growth Fund ASB Group Invmts -4.38 -5.6 -15.82
ASB KiwiSaver Growth Fund ASB Group Invmts -3.99 -5.1 -15.6
Asteron KiwiSaver Balanced Growth Fund Tyndall -4.25 -3.66 -14.92
Fidelity KiwiSaver-Growth Kiwi Fund Fidelity Life -0.35 -0.67 -3
ING KiwiSaver – Balanced Growth ING -3.11 -4.48 -13.08
ING KiwiSaver – Growth Fund ING -4.52 -6.37 -17.36
ING KiwiSaver SIL Balanced Growth Fund ING -1.5 -3.05 -10.63
ING KiwiSaver SIL Growth Fund ING -2.56 -4.84 -15.32
National Bank KiwiSaver – Balanced Growth ING -1.47 -3.04 -11.16
National Bank KiwiSaver – Growth ING -2.58 -4.84 -15.85
Westpac KiwiSaver-Growth Fund BT NZ -3 -4.13 -13.39
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Aggressive
AMP KiwiSaver Aggressive Fund AMP -5.72 -2.61 -13.77
AXA KiwiSaver Growth AXA Asia Pacific -7.94 -8.78 -20.8
Brook Professional KiwiSaver Scheme Growth Fund Brook Asset Mgmt -3.05 -0.89 2.33
Fidelity KiwiSaver-Aggressive Kiwi Fund Fidelity Life -0.78 0.31 -8.01
First NZ Capital KiwiSaver Scheme First NZ Capital
Fisher Funds Growth KiwiSaver Scheme Fisher Funds -7.87 -4.67 -17.76
TOWER KiwiPlan-Growth Tower -5.78 -7.52 -15.71
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Single Sector Options
Cash
AMP KiwiSaver Cash Fund AMP 2.17 4.46 8.62
ASB FirstChoice KiwiSaver NZ Cash Fund ASB Group Invmts 2.03 4.26 8.54
ASB KiwiSaver Cash Fund ASB Group Invmts 2.04 4.22 8.57
Asteron KiwiSaver Capital Fund Tyndall 2.17 4.21 8.24
AXA KiwiSaver Cash AXA Asia Pacific
ING KiwiSaver – Cash Plus Fund ING 2.04 4.21 8.28
ING KiwiSaver SIL Cash Plus Fund ING 1.96 3.95 8.73
NZ Guardian ANZ KiwiSaver Cash Fund ING
NZ Guardian National Bank KiwiSaver Cash Fund ING
TOWER KiwiPlan-Preservation Tower 2.05 4.18 8.52
Westpac KiwiSaver-Cash Fund BT NZ 1.41 3.54 5.57
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Fixed Income
Asteron KiwiSaver High Yield Fixed Interest Fund Tyndall 0.79 0.6 0.19
ING KiwiSaver SIL New Zealand Fixed Interest Fund ING 2.52 4.81 6.82
ING KiwiSaver SIL International Fixed Int Fund ING 4.2 3.49 10.97
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Property
Asteron KiwiSaver Global Property Fund Tyndall 0.47 -7.7 -16.38
ING KiwiSaver SIL Australasian Property Fund ING -4.39 -6.15 -20.73
ING KiwiSaver SIL International Property Fund ING -2.87 -11.05 -22.47
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Australasian Equity
AonSaver AMT KiwiSaver Milford Aggressive Fund Milford -0.24 3.01 7.59
Asteron KiwiSaver SRI Share Fund Tyndall -3.84 -10.66 -27.64
Asteron KiwiSaver Trans-Tasman Small Companies Shr Tyndall -9.35 -9.34 -28.18
ING KiwiSaver SIL Australasian Share Fund ING -1.7 -8.91 -25.06
Smartshares Smartkiwi Growth Fund NZ Exchange -5.21 -6.6 -26.13
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International Equity
ASB FirstChoice KiwiSaver Active High Growth Fund ASB Group Invmts -10.53
ASB FirstChoice KiwiSaver Global Sustainability Fd ASB Group Invmts -4.16
Asteron KiwiSaver International Share Fund Tyndall -5.93 -3.7 -18.07
ING KiwiSaver SIL International Share Fund ING -3.3 -3.66 -16.51
ING Kiwisaver SIL Sustainable Growth Fund ING
TOWER KiwiPlan-Equity Tower -9.74 -11.7 -25.34
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Miscellaneous
Fidelity KiwiSaver-Options Kiwi Fund Tyndall 5.34 13.89 23.28
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KiwiSaver Performance Survey results

Use these quick links to take you directly to a section on the table.

Default Options
Multisector

Conservative
Moderate
Balanced
Growth
Aggressive
Single Sector Options

Cash
Fixed Income
Property
Australasian Equity
International Equity
Miscellaneous

KiwiSaver Performance Survey – Returns to 30 September 2008
Fund Name Underlying Investment
Manager
3-month
%
6-month
%
1-year
%
Default Options
AMP KiwiSaver Default Fund AMP 0.86 3.41 3.45
ASB KiwiSaver Conservative Fund (Default) ASB Group Invmts 0.95 1.59 1.47
AXA KiwiSaver Income Plus AXA Asia Pacific -1.23 -0.72 -2.71
ING KiwiSaver – Conservative Fund ING 1.1 1.34 2.36
TOWER KiwiPlan-Cash Enhanced Tower 0.18 1.45 3.36
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Multisector Options
Conservative
AMP KiwiSaver Default Fund AMP 0.86 3.41 3.45
ANZ KiwiSaver – Conservative Fund ING 1.67 1.87 2.39
ASB FirstChoice KiwiSaver Tracker Conserv Fund ASB Group Invmts 0.83 1.48 1.22
ASB KiwiSaver Conservative Fund (Default) ASB Group Invmts 0.95 1.59 1.47
Asteron KiwiSaver Conservative Fund Tyndall 0.27 0.23 -2.11
AXA KiwiSaver Income Plus AXA Asia Pacific -1.23 -0.72 -2.71
Fidelity KiwiSaver-Capital Guaranteed Kiwi Fidelity Life 2.04
Fidelity KiwiSaver-Conservative Kiwi Fund Fidelity Life 1.36 2.9 3.62
ING KiwiSaver – Conservative Fund ING 1.1 1.34 2.36
ING KiwiSaver SIL Conservative Fund ING 1.72 1.9 3.15
National Bank KiwiSaver – Conservative ING 1.68 1.86 2.49
Smartshares Smartkiwi Conservative Fund NZ Exchange 2.32 2.32 0.59
TOWER KiwiPlan-Cash Enhanced Tower 0.18 1.45 3.36
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Moderate
AMP KiwiSaver Conservative Fund AMP 1.88 4.65 3.47
AMP KiwiSaver Moderate Fund AMP 0.22 3.08 -0.57
ANZ KiwiSaver – Conservative Balanced Fund ING 0.7 0.36 -2.13
ASB FirstChoice KiwiSaver Active Conservative Fund ASB Group Invmts -0.6 -0.46 -4.19
ASB FirstChoice KiwiSaver Tracker Moderate Fund ASB Group Invmts -0.27 -0.86 -4.87
ASB KiwiSaver Moderate Fund ASB Group Invmts 0.05 -0.48 -4.21
AXA KiwiSaver Conservative AXA Asia Pacific -1.1
ING KiwiSaver – Conservative Balanced ING -0.16 -0.42 -2.9
ING KiwiSaver SIL Conservative Balanced Fund ING 0.68 0.34 -1.57
National Bank KiwiSaver – Conservative Balanced ING 0.66 0.31 -2.13
Smartshares Smartkiwi Balanced Fund NZ Exchange -2.44 -2.22 -13.68
TOWER KiwiPlan-Conservative Tower -1.19 -0.66 -0.41
Westpac KiwiSaver-Conservative Fund BT NZ 0.4 0.9 -1.38
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Balanced
AMP KiwiSaver Balanced – Other Fund AMP -2.12 -0.59 -8.75
AMP KiwiSaver Balanced Fund AMP -2.01 0.83 -6.49
AMP KiwiSaver-ING Balanced Fund ING -0.67 0.96 -4.46
AMP KiwiSaver Moderate Balanced Fund AMP -1.35 1.59 -4.03
AMP KiwiSaver-TOWER Balanced Fund Tower -2.18 -0.99 -4.73
ANZ KiwiSaver – Balanced Fund ING -0.4 -1.32 -6.58
ASB FirstChoice KiwiSaver Active Balanced Fund ASB Group Invmts -3.33 -3.98 -11.55
ASB FirstChoice KiwiSaver Tracker Balanced Fund ASB Group Invmts -2.33 -3.31 -10.71
ASB KiwiSaver Balanced Fund ASB Group Invmts -1.9 -2.85 -10.22
Asteron KiwiSaver Balanced Fund Tyndall -1.52 -1.89 -8.55
AXA KiwiSaver Balanced AXA Asia Pacific -5.43 -6.19 -14.6
Brook Professional KiwiSaver Scheme Balanced Fund Brook Asset Mgmt -1.6 0.98 5.35
Fidelity KiwiSaver-Balanced Kiwi Fund Fidelity Life 1.16 1.75 0.69
Fidelity KiwiSaver-Ethical Kiwi Fidelity Life -1.35
ING KiwiSaver – Balanced ING -1.68 -2.53 -8.14
ING KiwiSaver SIL Balanced Fund ING -0.41 -1.32 -6.02
National Bank KiwiSaver – Balanced ING -0.35 -1.29 -6.56
TOWER KiwiPlan-Balanced Tower -3.44 -3.51 -5.2
Westpac KiwiSaver-Balanced Fund BT NZ -1.81 -2.53 -9.85
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Growth
AMP KiwiSaver Growth Fund AMP -4.34 -1.28 -10.83
ANZ KiwiSaver – Balanced Growth Fund ING -1.45 -2.99 -11.16
ANZ KiwiSaver – Growth Fund ING -2.64 -4.88 -15.74
ASB FirstChoice KiwiSaver Active Growth Fund ASB Group Invmts -5.13 -6.18 -16.81
ASB FirstChoice KiwiSaver Tracker Growth Fund ASB Group Invmts -4.38 -5.6 -15.82
ASB KiwiSaver Growth Fund ASB Group Invmts -3.99 -5.1 -15.6
Asteron KiwiSaver Balanced Growth Fund Tyndall -4.25 -3.66 -14.92
Fidelity KiwiSaver-Growth Kiwi Fund Fidelity Life -0.35 -0.67 -3
ING KiwiSaver – Balanced Growth ING -3.11 -4.48 -13.08
ING KiwiSaver – Growth Fund ING -4.52 -6.37 -17.36
ING KiwiSaver SIL Balanced Growth Fund ING -1.5 -3.05 -10.63
ING KiwiSaver SIL Growth Fund ING -2.56 -4.84 -15.32
National Bank KiwiSaver – Balanced Growth ING -1.47 -3.04 -11.16
National Bank KiwiSaver – Growth ING -2.58 -4.84 -15.85
Westpac KiwiSaver-Growth Fund BT NZ -3 -4.13 -13.39
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Aggressive
AMP KiwiSaver Aggressive Fund AMP -5.72 -2.61 -13.77
AXA KiwiSaver Growth AXA Asia Pacific -7.94 -8.78 -20.8
Brook Professional KiwiSaver Scheme Growth Fund Brook Asset Mgmt -3.05 -0.89 2.33
Fidelity KiwiSaver-Aggressive Kiwi Fund Fidelity Life -0.78 0.31 -8.01
First NZ Capital KiwiSaver Scheme First NZ Capital
Fisher Funds Growth KiwiSaver Scheme Fisher Funds -7.87 -4.67 -17.76
TOWER KiwiPlan-Growth Tower -5.78 -7.52 -15.71
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Single Sector Options
Cash
AMP KiwiSaver Cash Fund AMP 2.17 4.46 8.62
ASB FirstChoice KiwiSaver NZ Cash Fund ASB Group Invmts 2.03 4.26 8.54
ASB KiwiSaver Cash Fund ASB Group Invmts 2.04 4.22 8.57
Asteron KiwiSaver Capital Fund Tyndall 2.17 4.21 8.24
AXA KiwiSaver Cash AXA Asia Pacific
ING KiwiSaver – Cash Plus Fund ING 2.04 4.21 8.28
ING KiwiSaver SIL Cash Plus Fund ING 1.96 3.95 8.73
NZ Guardian ANZ KiwiSaver Cash Fund ING
NZ Guardian National Bank KiwiSaver Cash Fund ING
TOWER KiwiPlan-Preservation Tower 2.05 4.18 8.52
Westpac KiwiSaver-Cash Fund BT NZ 1.41 3.54 5.57
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Fixed Income
Asteron KiwiSaver High Yield Fixed Interest Fund Tyndall 0.79 0.6 0.19
ING KiwiSaver SIL New Zealand Fixed Interest Fund ING 2.52 4.81 6.82
ING KiwiSaver SIL International Fixed Int Fund ING 4.2 3.49 10.97
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Property
Asteron KiwiSaver Global Property Fund Tyndall 0.47 -7.7 -16.38
ING KiwiSaver SIL Australasian Property Fund ING -4.39 -6.15 -20.73
ING KiwiSaver SIL International Property Fund ING -2.87 -11.05 -22.47
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Australasian Equity
AonSaver AMT KiwiSaver Milford Aggressive Fund Milford -0.24 3.01 7.59
Asteron KiwiSaver SRI Share Fund Tyndall -3.84 -10.66 -27.64
Asteron KiwiSaver Trans-Tasman Small Companies Shr Tyndall -9.35 -9.34 -28.18
ING KiwiSaver SIL Australasian Share Fund ING -1.7 -8.91 -25.06
Smartshares Smartkiwi Growth Fund NZ Exchange -5.21 -6.6 -26.13
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International Equity
ASB FirstChoice KiwiSaver Active High Growth Fund ASB Group Invmts -10.53
ASB FirstChoice KiwiSaver Global Sustainability Fd ASB Group Invmts -4.16
Asteron KiwiSaver International Share Fund Tyndall -5.93 -3.7 -18.07
ING KiwiSaver SIL International Share Fund ING -3.3 -3.66 -16.51
ING Kiwisaver SIL Sustainable Growth Fund ING
TOWER KiwiPlan-Equity Tower -9.74 -11.7 -25.34
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Miscellaneous
Fidelity KiwiSaver-Options Kiwi Fund Tyndall 5.34 13.89 23.28
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