Simplicity KiwiSaver

Simplicity is a low-fee, not-for-profit KiwiSaver provider that gives away 15% of the fees it charges.

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If you’re considering opening a KiwiSaver fund with Simplicity, check out Canstar’s latest Star Ratings for its products.

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Types of Simplicity KiwiSaver funds

Simplicity offers six KiwiSaver funds, each offering a different level of potential return and targeted to the needs of a different life stage. Each is a passively managed fund aligned to different market indexes.

  • Defensive
  • Conservative
  • Balanced
  • Default
  • Growth
  • High Growth

The funds contain varying mixes of assets, with cash and fixed-interest bonds (income assets) making up most of the conservative funds, and equities (growth assets) making up more of the growth options.

Simplicity offers:

Low fees

Simplicity doesn’t charge any annual membership fees! Regardless of fund profile, Simplicity charges all its members the same low fees: 0.29% p.a. or $2.90 for every $1000 invested.

Total Transparency

Clear breakdown of all investments, contributions, fees, taxes and returns.

Forecasting Tools

See how different fund types and contributions could impact your returns.

Easy Switching

Change the funds you’re invested in online at no charge.

Linked Accounts

One central login gives access to all your family’s accounts.

Simplicity is also one of the government-appointed default KiwiSaver scheme providers, in part for its ability to deliver low fees and promote KiwiSaver engagement.

Eligibility to open a Simplicity KiwiSaver account

Most New Zealanders can join KiwiSaver. Find out if you’re eligible on the government’s KiwiSaver website.

How to open a Simplicity KiwiSaver account

Apply online at the Simplicity website.

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Written by: Bruce Pitchers | Last updated: September 22, 2023