Mind the gap
Is your KiwiSaver pulling its weight – or quietly leaving money on the table? Pop in a few details and we'll show you how your fund's track record compares with a top fund in the same risk category, and what the difference could be worth by the time you hit 65. No login, no jargon.
Returns from the Morningstar KiwiSaver Survey, June 2026 (Q2)
Fill in your details and hit Check my gap. We'll chart your fund against a top fund in the same risk category.
The honest fine print
This is a private tool to get a conversation started – not financial advice, and not a recommendation to switch. Figures are indicative only. We use each fund's reported returns from the Morningstar KiwiSaver Survey (June 2026 (Q2), as at 30 June 2026), which are after fees, before tax. We use the 10-year average where a fund has one and fall back to its 5-year record otherwise – if a fund is too new to have even five years behind it, we'll say so rather than guess.
We only ever compare funds in the same risk category. Whether that category is the right one for you is a separate question – and one of the things an adviser can help you think through. Projections assume past returns simply continue (they won't – markets go up and down), your contributions keep going until 65, and we ignore tax and future fee changes. Past performance is not a reliable guide to the future.
Whether there's a gap to close or you just want a second opinion, a 15-minute chat could be the most valuable quarter-hour of your year. No pressure – just a straight-up look at your options.
Auckland-based · independent KiwiSaver advice
Compare it with funds taking a similar amount of risk, not with every fund on the market. A conservative fund will almost always look worse than a growth fund over ten years, but that is the risk difference showing up, not a bad fund. This tool compares your fund with a strong fund in the same risk category, using ten-year returns after fees and before tax from the Morningstar KiwiSaver Survey (June 2026 (Q2)).
Over a working life, yes. One percent a year does not sound like much, but it compounds against every dollar in the account for as long as the account exists, which is why the projection here runs to age 65 rather than showing a single year.
No. Switching funds within your existing provider is usually a form or a few clicks, and moving to a different provider is a single application that the new provider handles for you. You do not pay tax or exit fees to move, and your money stays invested throughout.
No, and nothing here should be read that way. Past returns tell you how a fund has been managed and how it behaved through real market conditions, which is useful, but they are not a promise. Fees, your contribution rate and how long you stay invested are all within your control, and they matter as much.
Nothing. We are paid by the KiwiSaver providers we work with, not by you, and that is disclosed up front along with what we are paid and by whom.