The latest MJW KiwiSaver Survey (June 2025) is out, and one thing’s crystal clear: not all funds are created equal. Performance matters.
If you’re still in the default fund your employer or bank put you in, chances are… you could be doing a whole lot better. So, who’s standing out? Providers like Generate and Fisher Funds continue to deliver stronger long-term returns, especially in Growth and Balanced funds, where most Kiwis should be invested.
Breaking it down:
– Generate Focused Growth Fund: 8.5% average annual return over 10 years
– Fisher Growth Fund: 8.2% over 10 years
– Some big-name bank funds? Still sitting around 6–7%.
That 1–2% difference may not seem like much, but over 30 years, it could add up to six figures. Yep, that’s the difference between just getting by and living well in retirement.
And yet… so many people still don’t know:
– What fund they’re in, who’s managing it, whether it’s actually performing.
So here’s your friendly nudge:
– What type of fund are you in? Growth? Balanced? Conservative?
– Who’s managing your money?
– Are your returns keeping pace with the top performers?
Don’t leave it to chance, make sure you’re on the right track. I offer KiwiSaver reviews that help you understand
– Your current setup.
– Retirement projections and what that looks like as a lump sum or weekly income, so you have clarity on what your KiwiSaver balance could mean for your retirement lifestyle.
Because KiwiSaver isn’t just “nice to have”, it’s your future income. And a few smart moves now could make a massive difference later.
Book a review via my website dianamcintyre.co.nz and lets see how your KiwiSaver is tracking
www.dianamcintyre.co.nz
021888090
