mysuper Growth Fund
This investment mix shows what this fund holds (in blue and green): the proportion of growth assets (shares, commercial property, or other) or income assets (bonds or cash). You can compare it with the average mix for this type of fund (in grey).
It's important to know that this shows what the fund actually held in the most recent quarter, not necessarily what its target is over the long term. Fund managers may vary their investment mix depending on market conditions, so occasionally this can cause a fund to temporarily change categories (e.g. balanced to conservative).
As you invest, your mix (often called asset allocation) is the most significant factor that will determine the results you get, including the ups and downs in value you experience. Choosing a specific mix is a way of dialing your risk up or down, depending on the amount of growth assets you take on board.
80.32%
Growth assets
19.68%
Income assets
This is the actual mix of growth assets (shares, property) and income assets (bonds, cash) that this fund held at its 2025 Financial year end. Compare this with the average growth KiwiSaver fund (in grey).
The fees shown here are what you would have paid over the past year if you had $10,000 in this fund (in purple). This includes both flat fees for membership and percentage fees.
The emptiest ‘doughnut’ graph shows the fund with the lowest fees – a full one shows the one with the highest. You can compare each mysuper fund’s fees against each other and against the KiwiSaver average fees for this type of fund, which is shown in grey.
Fees cover the fund manager's costs. But the fees eat away at your results, so it's important to take note of fees. Higher fees don't necessarily mean better results – sometimes just the opposite.
Percentages make these fees seem tiny, but over long periods of time they typically add up to tens of thousands of dollars.
0.75%
Average KiwiSaver: 1.05%
The fees shown here (in purple) are what you would have paid if you had $10,000 in this fund at its 2025 Financial year end. Compare this with the average growth KiwiSaver fund (in grey).
The return figures here show how much this fund has grown in value on average each year over the past five years (in green). This is after fees and taxes have been taken out.
A full ‘doughnut’ graph here shows the fund with the highest 5-year return. You can compare each mysuper fund’s results against each other and against the KiwiSaver average for this type of fund, which is shown in grey.
Returns are the money that comes back to you from investing. These returns figures can be both positive and negative. Positive returns typically come from your investment becoming worth more, either because someone is willing to pay more for it, or from the money it spins off (such as profits you share when you invest in a company).
Chasing returns always brings a certain amount of risk with it. The higher returns you seek, the more risk you have to take on, and past performance is not a guarantee of future returns.
10.50%
Average KiwiSaver: 7.21%
Returns here (in green) show how much this fund has grown in value per annum over the five years up to 31 March 2025, after fees and taxes. Compare this with the average growth KiwiSaver fund (in grey).
(Data @ 30 Apr 2026 - after all fees and taxes)
The mysuper Growth Fund is well-diversified portfolio primarily holding growth assets with a low allocation to income assets. It’s objective is to achieve a high level of real returns (in excess of inflation) over the medium to long term, accepting that returns may be negative and subject to large variations in the short term. The minimum suggested investment timeframe is 10 years.
Mix
Growth assets
Income assets
This is a snapshot of the proportion of growth assets (shares, property, other) or income assets (cash, bonds) that this fund held at its 2025 Financial year end.
The average mix for growth KiwiSaver funds is in grey above. They typically hold from 10% to 35% of growth assets.
As you invest, your mix (often called "asset allocation") is the most significant factor that will determine the results you get, including the ups and downs in value you experience. It's important to get right.
Choosing a specific mix is a way of dialing your risk up or down, depending on the amount of growth assets you take on board. The more risk you take on, the higher your returns are likely to be, although this is no sure thing. That's what risk is all about.
For the most appropriate mix for you and your situation (often called your "risk profile"), see Sorted's investor kickstarter.
| ASSET TYPE | THIS FUND | AVERAGE OF ALL GROWTH KIWISAVER FUNDS | ||||||||||||||||||||
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| Shares |
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What 'shares' means Buying shares gives you part ownership in a company and can bring returns from your share of the profits (dividends) or from selling the shares for more than you paid. Shares are growth assets and are also known as equities or stock. |
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| Property |
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What 'property' means Property refers to commercial real estate (not the family home) owned through property trusts or companies that own or develop real estate as their business. Properties are growth assets and can be listed on an exchange or be unlisted. |
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| Other |
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What 'other' means This category can include alternative investments such as derivatives, often through a hedge fund. These ‘other’ investments are typically considered growth assets, or high-risk investments. |
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| Bonds |
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What 'bond' means A bond is a bit like a term deposit at a bank, but it's effectively a loan you make to a company or government which they promise to pay back in full on a specific date. Until then, you receive regular interest at a fixed or agreed rate. Bonds are income assets and can also be called 'fixed interest' or 'debt securities'. Since they can typically be traded on a secondary market, their value can go up and down. |
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| Cash |
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What 'cash' means Cash is a kind of investment that generally pays you interest. Cash typically includes term deposits, floating-rate notes and money market accounts. Cash, which is often a loan to a bank, is considered an income asset. |
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Fees
0.75% mysuper fees
1.05% Average KiwiSaver fees
The fees shown here (in purple) are what you would have paid if you had $10,000 in this fund at its 2025 Financial year end. Compare this with the average growth KiwiSaver fund (in grey).
You don’t always get what you pay for when investing. With fund fees, paying more does not mean you necessarily get better results. It’s often can be the opposite if higher fees eat into investment returns. This is because the returns we receive are after any fees and taxes get paid.
Since no one can tell the future and how the different funds will do, it’s best to think carefully about fees and consider whether a lower fee option is better for your circumstances.
Learn more about the fees associated with your mysuper investment.
A breakdown of the different charges in this fund, compared to the average growth KiwiSaver fund. mysuper fees at 30 June and KiwiSavers fees are as at 31 March.
| FEES TYPE | % FOR THE 2025 FINANCIAL YEAR END | AMOUNT PAID ON A $10K BALANCE |
|---|---|---|
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Management This fee is charged to you by the fund manager on the fund or an underlying fund, and is based on a percentage of your balance. |
None AVG: 0.89% | $0.00 AVG: $88.99 |
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Other This is a summary of other potential costs not covered in the categories displayed. |
0.75% AVG: 0.11% | $75.00 AVG: $11.05 |
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Performance-based These fees are based on the performance of the fund or underlying fund. When the fund performs well, these will be higher. |
None AVG: 0.00% | $0.00 AVG: $0.00 |
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Membership You pay this membership charge (a flat fee) each year, regardless of your balance or the fund’s performance. |
None AVG: 0.05% | $0.00 AVG: $5.35 |
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Total combined fees These are a total of management and administration charges, and performance-based fees for the 2025 Financial year end. They do not include fees for activities like transferring or withdrawing. |
0.75% AVG: 1.05% | $75.00 AVG: $105.39 |
Returns
10.50% mysuper returns
7.21% Average KiwiSaver returns
For the past five years, this fund returned this average each year (in green). This was after fees and taxes were taken out (28% PIR equivalent). Compare this with the average growth KiwiSaver fund (in grey).
Seeking returns is what investing is all about, but those shown here are already gone; they won’t continue. The best can become the worst and vice versa, so it’s unwise to just choose a fund based on how well it has done in the past.
There are a lot of other criteria to make a smart choice, such as the right investment mix and reasonable fees.
Annual returns for the 12 months to 31 March 2025 are shown below for this fund.
Gross returns (before fees and taxes) against benchmark over the short to medium-term are shown below for this fund as at 30 April 2026.
Seeking returns is what investing is all about, but those shown here are already gone; they won't continue. The best can become the worst and vice versa, so it's unwise to just choose a fund based on how well it has done in the past. There are a lot of other criteria to make a smart choice, such as the right investment mix and reasonable fees.
Read more about this Fund’s performance and fees in our annual updates.
Risks
Chasing higher returns while investing always increases risks. Several kinds of risks. It is important to evaluate whether the returns are worth it, whether you can cope with the ups and downs, and whether this investment will in fact help you achieve your goals. Also, since the way an investment is structured can make it riskier, it's important to understand how it works.
You'll find general investment risks and where to find information about other risks in the Risk section of our current Product Disclosure Statement.
Product Disclosure StatementThis is a gauge of how volatile this investment has been - how much it has gone up and down in value. It has been calculated based on the fund's five-year performance (or an appropriate market index if it has not been around that long). Current as at the fund's last financial year end. For the most recent risk indicator for this fund, see the Product Disclosure Statement.
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