Best KiwiSaver Providers for Wealthy Investors in 2025
Comprehensive analysis of New Zealand's top KiwiSaver schemes for high-net-worth individuals. Compare performance, fees, investment options, and specialized services for wealthy investors.
2025 Update: This analysis includes the latest fee changes, performance data through December 2024, and new investment options introduced for the 2025 financial year.
Key Considerations for Wealthy Investors
Low Fees
Minimize drag on large balances
Performance
Consistent long-term returns
Options
Diverse investment choices
Service
Premium client support
Top KiwiSaver Providers for Wealthy Investors (2025)
1. Milford Asset Management
Top ChoiceAggressive Fund Fee
0.87% p.a.
10-Year Return (Aggressive)
9.2% p.a.
Fund Size
$6.8B
Investment Options
5 Funds
Why It's Great for Wealthy Investors:
- • Excellent long-term performance with active management
- • Strong focus on New Zealand and Australian markets
- • Experienced investment team with proven track record
- • Responsive customer service for high-balance accounts
- • Comprehensive online reporting and tools
Best For: Investors seeking active management and strong long-term growth with a focus on Australasian markets.
2. Fisher Funds
Growth FocusGrowth Fund Fee
0.99% p.a.
10-Year Return (Growth)
8.8% p.a.
Fund Size
$4.2B
Investment Options
4 Funds
Key Advantages:
- • Strong performance across all risk categories
- • Innovative investment approach and research
- • Excellent educational resources and market insights
- • Regular webinars and client updates
- • Socially responsible investment options
Best For: Wealth-conscious investors who value innovation, education, and sustainable investment practices.
3. AMP
Low FeesAggressive Fund Fee
0.79% p.a.
10-Year Return (Aggressive)
8.4% p.a.
Fund Size
$3.9B
Investment Options
6 Funds
Strengths for High-Net-Worth Clients:
- • Among the lowest fees in the market
- • Diversified investment approach
- • Strong risk management processes
- • Extensive fund options including ethical choices
- • Established provider with long track record
Best For: Cost-conscious wealthy investors who prioritize low fees without sacrificing performance.
4. Simplicity
Ultra Low CostGrowth Fund Fee
0.31% p.a.
5-Year Return (Growth)
7.8% p.a.
Fund Size
$1.8B
Investment Options
3 Funds
Appeal for Wealthy Investors:
- • Exceptionally low fees maximize long-term returns
- • Passive index-based investment approach
- • Transparent fee structure with no hidden costs
- • Digital-first platform with excellent user experience
- • Strong focus on member value over profit
Best For: Wealthy investors who believe in low-cost index investing and want to minimize fee drag on large balances.
5. ANZ
Full ServiceGrowth Fund Fee
0.95% p.a.
10-Year Return (Growth)
8.1% p.a.
Fund Size
$8.9B
Investment Options
7 Funds
Benefits for High-Net-Worth Clients:
- • Largest KiwiSaver provider with scale advantages
- • Integration with broader ANZ banking relationship
- • Comprehensive range of investment options
- • Strong institutional investment capabilities
- • Premium client service for high-balance accounts
Best For: Wealthy investors who value full-service banking relationships and want integrated financial services.
2025 Fee Comparison Table
| Provider | Conservative | Moderate | Balanced | Growth | Aggressive |
|---|---|---|---|---|---|
| Simplicity | 0.31% | 0.31% | 0.31% | 0.31% | N/A |
| AMP | 0.79% | 0.79% | 0.79% | 0.79% | 0.79% |
| Milford | 0.87% | 0.87% | 0.87% | 0.87% | 0.87% |
| ANZ | 0.95% | 0.95% | 0.95% | 0.95% | 0.95% |
| Fisher Funds | 0.99% | 0.99% | 0.99% | 0.99% | N/A |
Note: Fees shown are annual management fees. Additional costs may apply for some providers.
Special Considerations for Wealthy Investors
Factors Beyond Fees and Performance
- ✓Customer Service Quality: Dedicated relationship managers for high-balance accounts
- ✓Investment Philosophy: Active vs passive management alignment with your beliefs
- ✓Reporting and Transparency: Detailed performance reporting and fund insights
- ✓ESG Options: Environmental, social, and governance investment choices
Integration with Wealth Strategy
- →Asset Allocation: How KiwiSaver fits within your total portfolio
- →Tax Efficiency: Coordination with other tax-advantaged investments
- →Estate Planning: KiwiSaver benefits for wealth transfer
- →International Diversification: Global exposure within KiwiSaver constraints
Need Help Choosing the Right KiwiSaver Provider?
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