What are the best performing KiwiSaver funds going into 2022?
2021 has been another amazing year in the markets, global share markets are up and amazingly, volatility remains at relatively low levels. Many KiwiSaver managers have continued to post excellent results, with the following KiwiSaver schemes performing best in their respective categories. Please note that all data has been obtained from the ‘Morningstar KiwiSaver Survey for September 2021’, the most recent survey performed. Further, funds are ranked on their most recent 5 year average yearly performances as at 30 September 2021 after fees. We will be releasing another update in February 2022, once we have received the latest Morningstar KiwiSaver survey for year ending 31 December 2021.
Contents:
CONSERVATIVE FUND CATEGORY TOP PERFORMERS:
Milford Conservative: 5.7% (five year average return)
Aon Russell Lifepoints Conservative: 5.0% (five year average return)
Aon Russell Lifepoints 2015: 5.0% (five year average return)
What difference would this make to my KiwiSaver?
The industry average return for Conservative fund types over the most recent 5 years was 4.6%.
Milford Conservative Fund vs New Zealand Conservative Fund Average
What are the fees compared to industry average?
KiwiSaver fees are typically calculated as a % of your total balance. The majority of KiwiSaver funds also charge a fixed admin fee, however this is relatively small and consistent across varying KiwiSaver schemes. Please note that all returns stated are net of fees (returns after fees).
Industry Average for Conservative Funds fees = 0.68%
Milford Conservative Fund fees = 0.95%
Milford Conservative Fund Description
The Milford Conservative Fund description was obtained directly from Milfords most recent quarterly update. It is a diversified fund that primarily invests in fixed interest securities, with a moderate allocation to equities.
Milford Conservative Fund Asset Allocation
To find Milford’s target asset allocation percentages for their Conservative Fund as of September 2021, hover over each of the graphs elements.
Thinking about the Milford Conservative Fund?
The Milford Conservative Fund’s objective is to provide moderate returns and protect capital over the minimum recommended investment timeframe of 3 years +. Do note that past performance is no guarantee of future performance, further their are several other factors to consider when deciding on a KiwiSaver fund that is right for you including:
Social and environmental responsibility
Mobile phone app offering
New Zealand owned and operated
Customer service
Active Vs Passive investment management style
If you want to know if you’re KiwiSaver fund is both being maximised and suitable for your personal situation, follow the link here to our online fact find. The fact find only takes 5 minutes to complete, and once you have finished we will provide you with a free no-obligation KiwiSaver recommendation.
MODERATE FUND CATEGORY TOP PERFORMERS:
Aon Russell Lifepoints Moderate: 6.9% (five year average return)
MAS Moderate: 6.7% (five year average return)
BNZ Moderate: 6.5% (five year average return)
What difference would this make to my KiwiSaver?
The industry average return for Moderate fund types over the most recent 5 years was 5.6%.
Aon Russell Lifepoints Moderate Fund VS New Zealand Moderate Fund Average
What are the fees compared to industry average?
KiwiSaver fees are typically calculated as a % of your total balance. The majority of KiwiSaver funds also charge a fixed admin fee, however this is relatively small and consistent across varying KiwiSaver schemes. Please note that all returns stated are net of fees (returns after fees).
Industry Average for Moderate Funds fees = 0.91%
Aon Russell Lifepoints Moderate Fund fees = 1.08%
Aon Russell Lifepoints Moderate Fund Description
The Aon Russell Lifepoints Moderate Fund description was obtained directly from Aon Russels most recent quarterly update.
The Fund’s objective is to produce returns in excess of inflation by investing with a higher allocation to income assets than growth assets with a suggested investment timeframe of 5 years.
Aon Russell Lifepoints Moderate Fund Asset Allocation
To find Aon Russell’s target asset allocation percentages for their Moderate Fund as of September 2021, hover over each of the graphs elements.
Thinking about the Aon Russell Lifepoints Moderate Fund?
The Aon Russell Lifepoints Moderate Fund is suitable for investors who are looking to withdraw their funds in at least 5 years’ time and who can accept a moderate level of volatility. Do note that past performance is no guarantee of future performance, furthermore, there are several other factors to consider when deciding on a KiwiSaver fund that is right for you which include:
Social and environmental responsibility
Mobile phone app offering
New Zealand owned and operated
Customer service
Active Vs Passive investment management style
If you want to know if your KiwiSaver fund is both being maximised and suitable for your personal situation, follow the link here to our online fact find. The fact find only takes 5 minutes to complete, and once you have finished we will provide you with a free no-obligation KiwiSaver recommendation.
BALANCED FUND CATEGORY TOP PERFORMERS:
Milford Balanced: 10.1% (five year average return)
AON Russell Life Points Balanced: 8.9% (five year average return)
Kiwi Wealth Balanced 8.9% (five year average return)
What difference would this make to my KiwiSaver?
The industry average return for Balanced fund types over the most recent 5 years was 7.9%.
Milford Balanced Fund VS New Zealand Balanced Fund Average
What are the fees compared to industry average?
KiwiSaver fees are typically calculated as a % of your total balance. The majority of KiwiSaver funds also charge a fixed admin fee, however this is relatively small and consistent across varying KiwiSaver schemes. Please note that all returns stated are net of fees (returns after fees).
Industry Average for Balanced Funds fees = 1.03%
Milford Balanced Fund fees = 1.48%
Milford Balanced Fund Description
The Milford Balanced Fund description was obtained directly from Milfords most recent quarterly update.
The Fund’s objective is to provide capital growth over the minimum recommended investment timeframe of five years. It is a diversified fund that primarily invests in equities, with a significant allocation to fixed interest securities.
Milford Balanced Fund Asset Allocation
To find Milford’s target asset allocation percentages for their Balanced Fund as of September 2021, hover over each of the graphs elements.
Thinking about the Milford Balanced Fund?
The Milford Balanced Fund is suitable for investors with a suggested minimum investment timeframe of 5 years +. Do note that past performance is no guarantee of future performance, further their are several other factors to consider when deciding on a KiwiSaver fund that is right for you including:
Social and environmental responsibility
Mobile phone app offering
New Zealand owned and operated
Customer service
Active Vs Passive Investment management style
If you want to know if you’re KiwiSaver fund is both being maximised and suitable for your personal situation, follow the link here to our online fact find. The fact find only takes 5 minutes to complete, and once you have finished we will provide you with a free no-obligation KiwiSaver recommendation.
GROWTH FUND CATEGORY TOP PERFORMERS:
Milford Active Growth: 12.2% (five year average return)
Aon Milford: 12.1% (five year average return)
Fisher Growth: 11.6% (five year average return)
What difference would this make to my KiwiSaver?
The industry average return for Growth fund types over the most recent 5 years was 10.1%.
Milford Active Growth VS New Zealand Growth Fund Average
What are the fees compared to industry average?
KiwiSaver fees are typically calculated as a % of your total balance. The majority of KiwiSaver funds also charge a fixed admin fee, however this is relatively small and consistent across varying KiwiSaver schemes. Please note that all returns stated are net of fees (returns after fees).
Industry Average for Growth Funds fees = 1.18%
Milford Active Growth Fund fees = 2.00%
Milford Active Growth Fund Description
The Milford Active Growth Fund description was obtained directly from Milfords most recent quarterly update.
The Fund’s objective is to provide annual returns of 10% after the base fund fee but before tax and before the performance fee, over the minimum recommended investment timeframe of seven years. It is a diversified fund that primarily invests in equities, with a moderate allocation to fixed interest securities.
Milford Active Growth Fund Asset Allocation
To find Milford’s target asset allocation percentages for their Active Growth Fund as of September 2021, hover over each of the graphs elements.
Thinking about the Milford Active Growth Fund?
The Milford Active Growth Fund is suitable for investors with a minimum suggested investment timeframe of 7years plus. Do note that past performance is no guarantee of future performance, further their are several other factors to consider when deciding on a KiwiSaver fund that is right for you including:
Social and environmental responsibility
Mobile phone app offering
New Zealand owned and operated
Customer service
Active Vs Passive Investment management style.
If you want to know if you’re KiwiSaver fund is both being maximised and suitable for your personal situation, follow the link here to our online fact find. The fact find only takes 5 minutes to complete, and once you have finished we will provide you with a free no-obligation KiwiSaver recommendation.
AGGRESSIVE FUND CATEGORY TOP PERFORMERS:
Booster SRI High Growth: 12.4% (five year average return)
Generate Focused Growth: 11.6% (five year average return)
MAS - Aggressive: 10.3% (five year average return)
Please note that the Booster Geared Growth fund (which is a multi-sector Aggressive fund) has returned 15.3% per annum over last 5 years. This would make it the best performing Aggressive fund however Morningstar has recently removed it from the Aggressive category and moved it into the Miscellaneous category due to the use of leverage. If you would like advice on the most appropriate Aggressive solution in the market (including leveraged funds) then please complete the Fact Find link below.
What difference would this make to my KiwiSaver?
The industry average return for Aggressive fund types over the most recent 5 years was 11.3%.
Booster SRI High Growth VS New Zealand Aggressive Fund Average
What are the fees compared to industry average?
KiwiSaver fees are typically calculated as a % of your total balance. The majority of KiwiSaver funds also charge a fixed admin fee, however this is relatively small and consistent across varying KiwiSaver schemes. Please note that all returns stated are net of fees (returns after fees).
Industry Average for Aggressive Funds fees = 1.25%
Booster SRI High Growth Fund fees = 1.37%
Booster SRI High Growth Fund Description
The Booster SRI High Growth fund description was obtained directly from Boosters most recent quarterly update.
The Socially Responsible High Growth Fund invests predominantly in growth assets, with little or no income assets. It excludes investments which do not satisfy certain socially responsible investment criteria. It is suited to investors looking for an investment that reflects their personal values, who are comfortable with a high level of risk in order to potentially achieve higher returns. This fund has been certified by the Responsible Investment Association Australasia (RIAA).
Booster offers a range of SRI funds, which exclude investments that do not satisfy certain socially responsible criteria and allow Kiwis to reflect their values in their investment choices. In addition to considering environmental, social and governance criteria in their assessment of investments, these funds also exclude investments in directly held companies and managed fund investments where the underlying activities are principally involved in the tobacco, alcohol, gambling, armaments, nuclear power, pornography and fossil fuel industries. These funds also exclude investments in directly held companies where the underlying activities are principally involved in animal testing on non-medical products, factory farming, GMO, livestock exports, whaling, recreational cannabis and palm oil.
Booster SRI High Growth Fund Asset Allocation
To find Booster’s target asset allocation percentages for their SRI High Growth fund as of September 2021, hover over each of the graphs elements.
Thinking about the Booster SRI High Growth Fund?
The Booster SRI High Growth Fund is suitable for investors who are looking to withdraw their fund in over 10 years. Do note that past performance is no guarantee of future performance, further their are several other factors to consider when deciding on a KiwiSaver fund that is right for you including:
Social and environmental responsibility
Mobile phone app offering
New Zealand owned and operated
Customer service
Active Vs Passive Investment management style
If you want to know if you’re KiwiSaver fund is both being maximised and suitable for your personal situation, follow the link here to our online fact find. The fact find only takes 5 minutes to complete, and once you have finished we will provide you with a free no-obligation KiwiSaver recommendation.