KiwiSaver fees are deducted from your balance automatically, so most members never see them as a line item, but they compound over a working life just as returns do. These guides explain each fee type and set out what each provider charges. They sit within our wider KiwiSaver guide, alongside the provider reviews and performance pages.
Types of KiwiSaver Fees
Three charges turn up most often: a percentage of the balance taken each year, a flat dollar charge per member, and, at a few active managers, an extra charge for beating a benchmark. KiwiSaver fees explained describes each one and how to turn it into a yearly dollar cost.
The Cost of Fees Over Time
A percentage fee is charged on your whole balance every year, and the money paid in fees also loses the returns it would have earned. The dollar cost of different fee levels over time is worked through in KiwiSaver fees explained and the KiwiSaver fee comparison.
Fees by Provider
Growth, balanced, conservative and ethical fund fees for each major provider, listed by stated fee, are in the KiwiSaver fee comparison. How screened funds work is covered in our guide to ethical KiwiSaver funds.
Guides in This Section
See Also
- Cheapest vs Highest-Returning KiwiSaver Funds: do low-fee funds come out ahead after fees?
- KiwiSaver after-fee returns by fund type and provider
- Passive Index KiwiSaver Funds
- Compare KiwiSaver Providers