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Compare our Westpac KiwiSaver Scheme Funds.
Learn about how to choose a fund, compare our Westpac KiwiSaver Scheme funds and choose one that's right for you.
How to choose a fund.
To make the most of your KiwiSaver investment, you’ll need to understand how funds work and think about which fund works best for your life stage. When comparing our funds below, ask yourself these two simple questions:
Compare our funds.
Fee1 The annual fund charge is based on the balance you have invested in a fund.
Return2 Average annual return is over five years after deducting fund charges but before tax to 30 September 2024. Five year returns are not available for the Default Balanced Fund as it started on 1 December 2021 or the High Growth Fund as it started on 25 September 2024. Past performance is not a reliable indication of future performance. Future returns for any fund will vary and may be negative at times, which means your balance can be less than what you invested.
Risk3 Indicates how much the relevant Westpac KiwiSaver Scheme fund might go up and down in value (i.e. amount of volatility). With more risk comes the potential for greater returns over time. Find out more about how the risk indictor is calculated in the Product Disclosure Statement for the Westpac KiwiSaver Scheme.
Making a sustainable difference.
We’re proud to be recognised as one of New Zealand’s Responsible Investment Leaders by the Responsible Investment Association Australasia (RIAA)4 in 2022, 2023 and again in 2024.
As a responsible investment leader, our sustainable investment policy applies to all managed funds5 managed by BTNZ, such as the Westpac KiwiSaver Scheme, so you can feel confident knowing that your investments are working towards building a more sustainable tomorrow.
Read more about how we invest sustainably and see how we’re tracking against our sustainable investment commitments in our 2023 BTNZ Sustainable Investment Report.
Need help choosing a fund?
Join or transfer.
To get started, you'll need to be a New Zealand citizen or permanent resident living or normally living in New Zealand and have your IRD number. Find this easily through Inland Revenue or on your payslip.
Westpac customer with digital banking
Login to Westpac One® digital banking to apply to join the Westpac KiwiSaver Scheme. If you’re under 18, you’ll need to download the form below or contact us.
New to Westpac or don't have digital banking
Download and complete the form at the end of the Product Disclosure Statement. Then return it to us with any supporting documents by mail or drop it into any Westpac branch.
Talk to a KiwiSaver Specialist
Simply call us weekdays between 8.30am and 5pm on NZ: 0508 972 254. If calling from overseas: +64 9 375 9978 (international toll charges apply).
Quick help.
Investment guides.
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Things you should know.
4 The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold a Financial Advice Provider licence.
5 Our sustainable investment policy applies to the investment management services provided by BT Funds Management (NZ) Limited, the investment arm of Westpac in New Zealand, including in relation to the Westpac KiwiSaver Scheme, Westpac Active Series, and Westpac Retirement Plan.
The material on this website is provided for general purposes only and is not a recommendation or opinion in relation to the Westpac KiwiSaver Scheme. You should not rely solely on the information on this website.
BT Funds Management (NZ) Limited is the scheme provider and issuer and Westpac New Zealand Limited is a distributor, of the Westpac KiwiSaver Scheme (Scheme).
The information above is subject to changes to government policy and law, and changes to the Scheme from time to time.
Investments made in the Scheme do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited or other members of the Westpac Group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac Group of companies, The New Zealand Guardian Trust Company Limited (as supervisor), or any director or nominee of any of those entities, or any other person guarantees the Scheme's performance, returns or repayment of capital.
For a copy of the Product Disclosure Statement or more information about the Scheme, contact any Westpac branch or call 0508 972 254 or from overseas +64 9 375 9978 (international toll charges apply). You can also download the Product Disclosure Statement.