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KiwiSaver.
Build a tomorrow that’s greater for Future You in just five minutes with the Westpac KiwiSaver Scheme.
#1 Performing KiwiSaver Growth Fund for 2025.
The Westpac KiwiSaver Scheme has had a standout year with the #1 performing Growth Fund and #2 performing High Growth, Balanced and Moderate Funds for the year ending 31 December 2025.
Strong returns make a big difference when it comes time to use your KiwiSaver savings. Compare our funds to find the right one for you or see all our returns.
Based on the 12 month returns to 31 December 2025 (Morningstar KiwiSaver Survey: in growth, aggressive, balanced and moderate fund categories respectively).¹
Past performance does not guarantee or indicate future performance; returns will vary and may be negative at times, which means your balance can be less than what you invested.
Why Westpac KiwiSaver Scheme.
Strong returns
Our size and expertise are a big advantage when it comes to negotiating better deals for our funds. Our goal is to deliver strong long-term investment returns so that every dollar you invest in KiwiSaver is working hard for Future You.
Fair fees
We believe in fair and transparent fees. We have some of the lowest KiwiSaver fees2, so you keep more of the money you invest for Future You.
Making a sustainable difference
All our funds are managed in line with our sustainable investment policy3. One of our key sustainable themes is climate action. As part of this theme, we choose investments to help reduce the carbon emissions of our investment funds.
Easy to get started
Set up Future You with our easy-to-use digital tools. Then apply to join or transfer online in less than 10 minutes.
Compare our KiwiSaver Funds.
Choosing the right fund for your life stage can add up to tens of thousands of dollars over time. To find the best fund for you, compare our funds by fee, return, risk and investment timeframe. Or get your fund recommendation with the Westpac KiwiSaver Scheme Fund Chooser.
Making a sustainable difference.
We’re proud to be recognised as one of New Zealand’s Responsible Investment Leaders by the Responsible Investment Association Australasia (RIAA)4 in 2022, 2023 and again in 2024.
Our sustainable investment policy applies to all of BTNZ’s managed funds3, such as the Westpac KiwiSaver Scheme, so you can feel confident knowing that your investments are working towards building a more sustainable tomorrow.
Read more about how we invest sustainably and see how we’re tracking against our sustainable investment commitments in our 2025 BTNZ Sustainable Investment Report.
KiwiSaver Calculator.
The small things you do today could make a big difference to your future. 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.
It's easy to join online.
Know your fund choice
Know your IRD number
We take care of the rest
KiwiSaver & me.
Want to know how KiwiSaver works? It's all here.
You, your employer and the Government can all make contributions to your KiwiSaver account.
Use your KiwiSaver savings to get into your first home sooner.
How to access your savings, carry on growing your investment, or do a bit of both.
Contributions plus investment returns (the money your money makes for you) is the easiest way to grow your KiwiSaver balance significantly over time.
Check your fund and contributions are right for you and your life stage by using our calculators.
Calculators & resources.
More resources
KiwiSaver Fund Chooser
Choosing the right fund for your life stage could add up to tens of thousands of dollars over time.
KiwiSaver Calculator
See how much your KiwiSaver balance could change by changing your contribution rate or fund.
Quick help.
Investment guides.
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Things you should know.
1 © 2025 Morningstar, Inc. All rights reserved. Neither Morningstar, its affiliates, nor the content providers guarantee the data or content contained herein to be accurate, complete or timely nor will they have any liability for its use or distribution. Any general advice or ‘regulated financial advice’ under New Zealand law has been prepared by Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892) and/or Morningstar Research Ltd, subsidiaries of Morningstar, Inc, without reference to your objectives, financial situation or needs. For more information refer to our Financial Services Guide (AU) and Financial Advice Provider Disclosure Statement (NZ) at www.morningstar.com.au/s/fsg.pdf and www.morningstar.com.au/s/fapds.pdf. You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement before making any decision to invest. Our publications, ratings and products should be viewed as an additional investment resource, not as your sole source of information. Past performance does not necessarily indicate a financial product’s future performance. To obtain advice tailored to your situation, contact a professional financial adviser. Some material is copyright and published under licence from ASX Operations Pty Ltd ACN 004 523 782.
2 This claim is based on our review of annual fund charges across a range of fund types (e.g. conservative, balanced, and growth) offered by a comparison group of 15 KiwiSaver providers, with a range of investment styles including active, passive and blended (both active and passive).
3 Our sustainable investment policy applies to the investment management services provided by BT Funds Management (NZ) Limited, the investment arm of Westpac in New Zealand, including in relation to the Westpac KiwiSaver Scheme, Westpac Active Series, and Westpac Retirement Plan.
4 The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold a Financial Advice Provider licence.
5 If eligible, your employer's contributions will be equal to 3% of your before-tax salary or wages. These contributions will be taxed before they're added to your KiwiSaver account.
The Westpac KiwiSaver Scheme Fund Chooser and the advice it produces are provided by Westpac New Zealand Limited.
BT Funds Management (NZ) Limited is the scheme provider and issuer, and Westpac New Zealand Limited is a distributor, of the Westpac KiwiSaver Scheme (Scheme).
The information above is subject to changes to government policy and law, and changes to the Westpac KiwiSaver Scheme from time to time.
Investments made in the Scheme do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited or other members of the Westpac Group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac Group of companies, The New Zealand Guardian Trust Company Limited (as supervisor), or any director or nominee of any of those entities, or any other person guarantees the Scheme's performance, returns or repayment of capital.
For a copy of the Product Disclosure Statement or more information about the Scheme, contact any Westpac branch or call 0508 972 254 or from overseas +64 9 375 9978 (international toll charges apply). You can also download the Product Disclosure Statement.