Best Growth funds · ranked on the data

Best Growth KiwiSaver funds in NZ (2026)

If you've got a 7+ year horizon, growth funds are where the long-term compounding lives. We rank every Growth-band KiwiSaver fund by 10-year net-of-fees returns, with fees as a tie-breaker.

General information only · Past performance is not a reliable indicator of future performance · Returns shown are historical (Morningstar Morningstar KiwiSaver 360, Q1 2026), net of fund fees at 28% PIR. For personal advice on which fund fits you, run our free Health Check or get in touch.

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Smiths' top 5

The 5we'd look at first.

1
Growth
Quaystreet Growth Fund
Quaystreet Kiwisaver Scheme
10.21% annualised over 5 years · 1.37% fees
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2
Growth
Milford Kiwisaver Active Growth Fund
Milford Kiwisaver Plan
8.87% annualised over 5 years · 1.05% fees
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3
Growth· default
Asset Class Growth Fund
Booster Kiwisaver Scheme
8.61% annualised over 5 years · 1.37% fees
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4
Growth
Stepping Stones Growth 0-50
Generate Kiwisaver Scheme
8.47% annualised over 5 years · 1.41% fees
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5
Growth· default
Geared Growth Fund
Booster Kiwisaver Scheme
8.13% annualised over 5 years · 1.50% fees
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How we ranked these

Our methodology

We rank Growth-band KiwiSaver funds on annualised 5-year return after fees and 28% PIR. We require at least 5 years of history. Fees break ties. lower is better.

Smiths is FAP-licensed (FSP712931) and gives advice on a defined panel of KiwiSaver schemes. We don't run our own scheme. We do receive an upfront fee plus a trail commission (0.25%–0.5%) from the scheme we move clients to, disclosed in full at smiths.net.nz/disclosure. The ranking on this page covers every scheme in NZ, regardless of whether it is on our panel. Past performance is not a reliable indicator of future performance. this is general information only.

The full ranking

All 33 funds we considered

#6
Growth
Responsible High Growth Fund
Mercer Kiwisaver Scheme
7.56% annualised over 5 years · 0.89% fees
#7
Growth
Growth Fund
Asb Kiwisaver Scheme
7.40% annualised over 5 years · 0.70% fees
#8
Growth
Growth Fund
Simplicity Kiwisaver Scheme
7.20% annualised over 5 years · 0.25% fees
#9
Growth
Amp Growth Fund
Amp Kiwisaver Scheme
7.24% annualised over 5 years · 0.85% fees
#10
Growth
Amp Growth Fund (Lifesteps)
Amp Kiwisaver Scheme
7.24% annualised over 5 years · 0.85% fees
#11
Growth
Bnz Kiwisaver Growth Fund
Bnz Kiwisaver Scheme
6.93% annualised over 5 years · 0.45% fees
#12
Growth
Lifestages Auto Option Age 50 - 54
Sbs Wealth Kiwisaver Scheme
7.08% annualised over 5 years · 1.11% fees
#13
Growth
Growth Fund
Mas Kiwisaver Scheme
6.83% annualised over 5 years · 0.98% fees
#14
Growth
Stepping Stones Growth 51-55
Generate Kiwisaver Scheme
6.87% annualised over 5 years · 1.39% fees
#15
Growth
Stepping Stones 36-45
Generate Kiwisaver Scheme
6.87% annualised over 5 years · 1.39% fees
#16
Growth
Growth Fund
Generate Kiwisaver Scheme
6.79% annualised over 5 years · 1.39% fees
#17
Growth
Glidepath Age 25
Fisher Funds Two Kiwisaver Scheme
6.68% annualised over 5 years · 1.16% fees
#18
Growth
Pathfinder Kiwisaver Growth Fund
Pathfinder Kiwisaver Plan
6.68% annualised over 5 years · 1.37% fees
#19
Growth
Responsible Growth Fund
Mercer Kiwisaver Scheme
6.40% annualised over 5 years · 0.84% fees
#20
Growth
Shielded Growth Fund
Booster Kiwisaver Scheme
6.49% annualised over 5 years · 1.41% fees
#21
Growth
Global Select Growth Fund
Amp Kiwisaver Scheme
6.32% annualised over 5 years · 1.27% fees
#22
Growth
Growth Fund
Fisher Funds Kiwisaver Plan
6.25% annualised over 5 years · 1.13% fees
#23
Growth
Glidepath Age 40
Fisher Funds Two Kiwisaver Scheme
6.19% annualised over 5 years · 1.09% fees
#24
Growth
Growth Fund
Westpac Kiwisaver Scheme
5.98% annualised over 5 years · 0.55% fees
#25
Growth
Growth Fund
Fisher Funds Two Kiwisaver Scheme
5.93% annualised over 5 years · 1.06% fees
#26
Growth
Growth Fund
Booster Kiwisaver Scheme
5.79% annualised over 5 years · 1.35% fees
#27
Growth
Growth Fund
Anz Kiwisaver Scheme
5.61% annualised over 5 years · 0.96% fees
#28
Growth
Growth Fund
Anz Default Kiwisaver Scheme
5.61% annualised over 5 years · 0.96% fees
#29
Growth
Glidepath Age 30
Fisher Funds Kiwisaver Scheme
5.33% annualised over 5 years · 1.05% fees
#30
Growth
Growth Fund
Fisher Funds Kiwisaver Scheme
5.33% annualised over 5 years · 1.05% fees
#31
Growth
Stepping Stones Growth 56-60
Generate Kiwisaver Scheme
5.29% annualised over 5 years · 1.36% fees
#32
Growth
Glidepath Age 50
Fisher Funds Kiwisaver Scheme
4.93% annualised over 5 years · 1.03% fees
#33
Growth
Amp Growth Fund No. 2
Amp Kiwisaver Scheme
4.43% annualised over 5 years · 0.85% fees

Need a personal take?

We don't pick funds in the abstract.

Take the 90-second Health Check and we'll match you to the best fit for your timeframe, goals, and tax position from our advised panel, benchmarked against every fund in the directory.

Our directory covers every NZ KiwiSaver fund. Our advice panel is five schemes (ANZ, Booster, Fisher Funds, Generate, Milford); recommendations land on four funds across Milford and Booster — how we're paid →

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More curated lists

Quaystreet Growth Fund

Milford Kiwisaver Active Growth Fund

Asset Class Growth Fund

Stepping Stones Growth 0-50

Geared Growth Fund

Our methodology

We don't pick funds in the abstract.