The KiwiSaver Tracker shows the relationship between KiwiSaver funds and fees and returns for at least one year. It also shows the risk and benchmark information for each fund and fee and return information by fund type and return period.
The Tracker uses quarterly data from KiwiSaver providers via the Disclose Register. Investors also get this data in their quarterly KiwiSaver fund updates. Other sources of KiwiSaver fee and return information may use a different approach with different returns. We encourage investors to query this with their providers to better understand and evaluate their KiwiSaver fund.
Returns shown are before tax and after annual fees (excluding fixed membership fees).
Your own returns may differ based on your individual tax rate. Fees are shown as an average over a five-year period. For one-year data, the fee shown is for that year. The percentage of return paid in fees is the fees divided by the return.
Other sources of KiwiSaver fee and return information may use a different approach with different returns. We encourage investors to query this with their providers to better understand and evaluate their KiwiSaver fund.
What if returns are negative
When returns are negative, you still pay fees. To keep this tool simple, we show the percentage of a negative return paid in fees as 'a loss'.
How to work out your annual fee in dollar terms
Since April 2018, KiwiSaver providers must show fees in dollar terms on annual member statements. This tool doesn't give you fees in dollar terms but the information provided enables you to work this out.
For example, if your balance is $10,000, a 1.2% annual fee means you pay $120 per year (plus any applicable membership fee). See the Sorted KiwiSaver fees calculator for more on how to calculate and compare.
In order to allow KiwiSaver members to compare their funds to the performance of the market, the law requires managers to show the returns of a 'broad-based securities market index' for each fund they manage. The index they choose must be widely recognised and used in financial markets and must match as closely as possible the assets in, and level of risk of, the fund. KiwiSaver investors can then make a useful comparison between the returns of the overall market index and the returns of their fund. This helps them assess whether they are getting appropriate returns for the risk they are taking and the fees they are paying.
Please note: We do not make any representation or give any assurance of the accuracy, quality or completeness of the consolidated data submitted by KiwiSaver managers. Managers are responsible for their individual data.
If you have any questions about your fund, please contact your KiwiSaver provider directly. You can find default KiwiSaver provider contact details here.
While we aim to provide the most accurate and up-to-date information, if the data provided to us by KiwiSaver providers is incorrect, this will be reflected in the Tracker's data.
Some providers use different methods to calculate their performance.
If KiwiSaver providers believe there is a mistake with their data, they should correct it before the next quarterly update. They may also contact us.
Investment decisions should not be made only by using the Tracker. You can find other important information about KiwiSaver providers and fund types using the Sorted FundFinder tool.