Investment fund performance

Why choose Westpac KiwiSaver Scheme and Active Series funds.

Our team of locally based investment experts work with investment specialists from around the world, combining global research, insights and experience to identify opportunities and manage risk. This helps to deliver strong long-term performance for investors like you.

Our funds are mainly actively managed. This means our investment specialists can respond to changing market conditions and investment opportunities while remaining focused on each fund's long-term investment objectives.

Westpac KiwiSaver Scheme fund performance.

^{High Growth Fund}

^{3 months}	^{6 months}	^{1 year}	^{3 years}	^{5 years}	^{10 years}
^1.09%	^14.87%	^13.36%	^-	^-	^-

^{Growth Fund}

^{3 months}	^{6 months}	^{1 year}	^{3 years}	^{5 years}	^{10 years}
^0.42%	^11.52%	^10.08%	^14.69%	^6.84%	^8.37%

^{Balanced Fund}

^{3 months}	^{6 months}	^{1 year}	^{3 years}	^{5 years}	^{10 years}
^-0.20%	^8.56%	^7.45%	^12.19%	^5.58%	^6.92%

^{Default Balanced Fund}

^{3 months}	^{6 months}	^{1 year}	^{3 years}	^{5 years}	^{10 years}
^-0.41%	^7.18%	^6.34%	^11.10%	^-	-

^{Moderate Fund}

^{3 months}	^{6 months}	^{1 year}	^{3 years}	^{5 years}	^{10 years}
^-0.70%	^5.56%	^4.79%	^9.58%	^4.35%	^5.25%

^{Conservative Fund}

^{3 months}	^{6 months}	^{1 year}	^{3 years}	^{5 years}	^{10 years}
^-1.16%	^3.29%	^2.68%	^7.49%	^3.33%	^4.03%

^{Defensive Conservative Fund}

^{3 months}	^{6 months}	^{1 year}	^{3 years}	^{5 years}	^{10 years}
^-1.25%	^2.65%	^2.15%	^6.91%	^3.18%	^3.82%

^{Cash Fund}

^{3 months}	^{6 months}	^{1 year}	^{3 years}	^{5 years}	^{10 years}
^0.74%	^1.47%	^2.99%	^4.50%	^3.98%	^2.80%

Westpac KiwiSaver Scheme Fund Updates

Returns (for periods less than 3 years) and average annual returns (for periods 3 years and greater) are after deducting fund charges but before tax to 30 September 2026. Past performance is not a reliable indication of future performance. Returns for any fund will vary and may be negative at times, which means your balance can be less than what you invested. There is no five years or greater return for the Default Balanced Fund because it started on 1 December 2021. There is no three year or greater return for the High Growth Fund because it started on 25 September 2024.

Next steps.

Compare our funds

View, sort and compare all our KiwiSaver funds by fee, return, risk and investment timeframe.

Compare our KiwiSaver funds

Help me choose a fund

The Westpac KiwiSaver Scheme Fund Chooser will recommend a fund for you based on when you want to use your money - for your first home or when you turn 65.

Get my fund recommendation

KiwiSaver Calculator

Use our calculator to see how much you could have and the difference small changes to your contribution rate or your choice of fund could make to Future You.

See how much I could have

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).

Call us on 0508 972 254

Westpac Active Series fund performance.

Growth Fund

^{3 months}	^{6 months}	^{1 year}	^{3 years}	^{5 years}	^{10 years}
^0.35%	^11.32%	^9.69%	^14.33%	^6.57%	^7.89%

Balanced Fund

^{3 months}	^{6 months}	^{1 year}	^{3 years}	^{5 years}	^{10 years}
^-0.27%	^8.38%	^7.13%	^11.85%	^5.30%	^6.45%

Moderate Fund

^{3 months}	^{6 months}	^{1 year}	^{3 years}	^{5 years}	^{10 years}
^-0.79%	^5.38%	^4.40%	^9.25%	^4.07%	^4.83%

Conservative Fund

^{3 months}	^{6 months}	^{1 year}	^{3 years}	^{5 years}	^{10 years}
^-1.34%	^2.51%	^1.81%	^6.57%	^2.82%	^3.29%

Westpac Active Series Fund Updates

Returns (for periods less than 3 years) and average annual returns (for periods 3 years and greater) are after deducting fund charges but before tax to 30 September 2026. Past performance is not a reliable indication of future performance. Returns for any fund will vary and may be negative at times, which means your balance can be less than what you invested.