The clarity your investments deserve.
New Zealand's independent fund comparison platform. We don't sell funds — we help you find the right one.
Smarter investing for every New Zealander.
Optimise your retirement savings with the right fund tailored to your life stage. Compare every KiwiSaver fund on returns, fees, and risk.
Explore KiwiSaverThe fund you're in today shapes the wealth you build tomorrow
Not everyone should be in the same fund — your goals, timeline, and comfort with risk are unique to you. We track and compare the best performing funds across New Zealand so you can find the one that actually fits your situation.
Market Leading Funds
The Path to Prosperity
Everything you need to find, compare, and choose the right fund for your future.
Not sure where to start?
Answer a few questions about your goals, timeframe, and comfort with risk. We'll help you understand which type of fund matches your life — no jargon, no pressure.
Smarter investing for every New Zealander.
Your KiwiSaver is one of the biggest financial decisions you'll make. We give you the independent data and tools to make sure you're in the right fund — not just the default one.
What is KiwiSaver and why does your choice matter?
KiwiSaver is New Zealand's voluntary retirement savings scheme. When you start working, you're automatically enrolled — and your employer contributes alongside you.
The problem? Most people stay in the default fund they were assigned, often a conservative option that may not match their age, goals, or risk tolerance. Over a 30-year career, the difference between the right fund and the wrong one can be tens of thousands of dollars.
Find My Fund helps you cut through the noise. Compare providers, understand fees, and find the fund that actually fits your life.
Top KiwiSaver Funds This Quarter
Your KiwiSaver Toolkit
Everything you need to research, compare, and optimise your retirement savings.
Not sure which fund fits your life?
Our free 2-minute quiz matches you to the right risk profile and fund type based on your age, goals, and comfort level.
The Leaderboard
Comprehensive performance metrics for the New Zealand market, updated quarterly.
Providers
Browse registered providers to compare investment styles, fee structures, and fund performance.
Compare Funds
Select up to 4 funds to analyse historical performance side by side.
Add at least 2 funds on the left to see results
Sign in to access advanced tools and deeper fund data across the NZ market.
Market Moves
Track what fund managers are buying, selling, and exiting — quarter by quarter across all tracked funds.
Projection Calculator
Model how your KiwiSaver could grow — with inflation adjustments, first home withdrawals, and fund-level returns.
Enter your details and click Calculate to see your projected balance at 65
6 ways to get more from your KiwiSaver
Quick wins and smart moves to maximise your retirement savings.
Contribute $1,042/year in voluntary contributions (separate from your payroll deductions) and the government adds $260 free. If you're not hitting this through voluntary top-ups, you could be leaving money on the table.
Example: on a $60k salary, going 3.5% → 4.5% costs ~$8.50/week — but could add $45k–$85k+ by age 65 depending on your fund's returns and when you start. Your result will differ based on your salary, age, fund type, and contribution rate.
Defensive (mostly cash, ~3–4% returns), Conservative (mostly bonds, ~4–5%), Balanced (50/50 split, ~6–8%), Growth (mostly shares, ~8–12%), Aggressive (high equity, ~10–15%). The longer your timeframe, the higher you can go.
Never chose a fund? You're in a default balanced fund. Since Dec 2021 defaults are balanced — which may or may not match your age and goals.
What matters is after-fee returns — not just the fee itself. A fund charging 1% that returns 12% beats a 0.25% fund returning 6%. Compare total performance, not just costs.
Withdrawing $30k at age 28 could mean ~$150k less at 65 due to lost compound growth. Property is also an asset — but understand both sides before you withdraw.
Frequently Asked Questions
Real questions from real New Zealanders about KiwiSaver. Tap any question to see the answer.
Our Mission
Clean data for Kiwi investors. That's it.
Find My Fund exists to provide free, independent education for all New Zealand investors. We believe every Kiwi deserves a clear, honest place to compare KiwiSaver funds on facts — not marketing.
We built this platform because we wanted it ourselves. Most New Zealanders are in a KiwiSaver fund they never chose, paying fees they've never checked, earning returns they've never compared. The information exists — it's just scattered across PDFs, provider websites, and government registers. We bring it together in one place.
We're happy to provide clean data to Kiwis. We compare every KiwiSaver fund using publicly available data so you can make informed decisions about your retirement savings.
Our tools — the Leaderboard, fund comparisons, projections calculator, and fund quiz — are designed to make KiwiSaver simple and accessible for everyone, whether you've never looked at your fund or you review it every quarter.
Find My Fund is an educational tool. We don't sell funds and we don't provide financial advice. If you need personalised financial advice, we encourage you to speak with a licensed financial adviser.
How We Compare
Where the data comes from and how we use it.
All data on Find My Fund comes from the Disclose Register, maintained by the Companies Office. KiwiSaver providers are legally required to report their fund data quarterly — returns, fees, holdings, and fund size.
Sourced from the Disclose Register. Regulatory compliance data that every KiwiSaver provider is legally required to report.
Updated quarterly. Every quarter when new data is published, we update returns, fees, holdings, and fund details across the platform.
Presented independently. The data is presented as reported.
What we compare: returns (after fees and before tax), annual fund charges, member fees, fund size, risk level, portfolio holdings, and provider details. Returns shown are historical and are not a guarantee of future performance.
Contact Us
Questions, feedback, or just want to say hello?
Terms of Service
By using Find My Fund, you agree to the following terms.
Find My Fund is an educational comparison tool. The information provided on this platform is general in nature and does not constitute personalised financial advice under the Financial Markets Conduct Act 2013. We are not a Financial Advice Provider. Nothing on this site is a recommendation to buy, sell, switch, or hold any financial product including KiwiSaver funds. Use Find My Fund as a starting point for your own research, then seek professional advice from a licensed financial adviser if you need help making decisions.
All fund data displayed on Find My Fund is sourced from the Disclose Register (Companies Office), which KiwiSaver providers are legally required to update quarterly. We make every effort to ensure accuracy, but we do not guarantee the completeness, accuracy, or timeliness of any data displayed. Returns shown are historical, after fees and before tax, and are not a guarantee of future performance.
Find My Fund and its operators accept no liability for any loss, damage, or financial decisions made based on the information provided on this platform. Your investment decisions are your own responsibility. KiwiSaver investments are subject to risk, including the potential loss of principal. Past performance is not indicative of future results.
When you use Find My Fund, we may collect your name and email address (via the fund quiz or contact form). This data is used solely to send you your results and respond to enquiries. We do not sell, share, or distribute your personal information to third parties.
By using Find My Fund — including the Leaderboard, fund comparisons, projections calculator, fund quiz, and any other tools — you acknowledge that this platform provides educational information only and that you accept responsibility for your own financial decisions. You agree not to rely solely on the information provided here when making investment decisions.
Questions about these terms? Contact us at hello@findmyfund.co.nz
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Privacy Policy
Last updated: April 2026
1. Information We Collect
Find My Fund collects limited personal information to provide and improve our services. This may include your email address when you create an account, your usage data (pages visited, features used), and any information you provide through our quiz or contact form.
2. How We Use Your Information
We use collected information to provide our fund comparison services, personalise your experience, send you relevant updates if you opt in, and improve our platform based on aggregated usage patterns.
3. Data Storage & Security
Your data is stored securely using industry-standard encryption. We do not sell, rent, or share your personal information with third parties for marketing purposes. Data is hosted within New Zealand or Australia.
4. Cookies
We use essential cookies to keep you signed in and remember your preferences. We may use analytics cookies (with your consent) to understand how our site is used. You can manage cookie preferences at any time.
5. Your Rights
Under the New Zealand Privacy Act 2020, you have the right to access, correct, or delete your personal information. To make a request, contact us at privacy@findmyfund.co.nz.
6. Third-Party Services
We may use third-party services for analytics and hosting. These providers are contractually bound to protect your data and only process it as instructed by us.
7. Changes to This Policy
We may update this policy from time to time. Significant changes will be communicated via our website. Your continued use of Find My Fund after changes constitutes acceptance of the updated policy.
8. Contact
If you have questions about this privacy policy, please contact us at privacy@findmyfund.co.nz.