Could your KiwiSaver be better?

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Analysing your fund

BetterSaver fund ratings explained

We grade every fund A+ to F across four core checks — Performance, Fees, Consistency, and Quality — comparing each fund only to its peers in the same risk category (Defensive, Conservative, Balanced, Growth, Aggressive).

To be recommended, a fund needs at least 5 years of history and an overall grade of B or above.

A+ Top pick. Stands out against peers overall.
A Top performer. Performs well overall.
B Quality option. Meets our bar to be recommended.
NR Not recommended. Doesn't meet our criteria (grades C through F shown as NR).

Past performance is not a reliable indicator of future returns. Ratings are updated at least annually.

Why BetterSaver?

We give you KiwiSaver advice you can trust.

Built on real fund analysis
Built on real fund analysis

We assess funds using consistent criteria, not just past returns.

Advice that fits you
Advice that fits you

Your goals and risk comfort come first.

Clear and transparent
Clear and transparent

So you can decide with confidence.

How it works

KiwiSaver made simple: find the right fund, switch fast, track your goals, and earn rewards as you go.

  1. 1
    Tell us your KiwiSaver preferences

    Your goals, your risk level, your ethics

  2. 2
    Get matched to a better fund

    We recommend the right fund, and handle the switch for you

  3. 3
    Track and improve your progress

    See how you're tracking toward your goals, and get rewarded along the way

Get Started
Frequently asked questions

Frequently asked questions

See more FAQs

What is KiwiSaver?

KiwiSaver is a long term savings scheme set up by the New Zealand Government to help you build wealth for retirement. For many Kiwis, it ends up being their biggest or second biggest asset after their home. That is why being in the right fund matters.

Can I switch KiwiSaver providers at any time

Yes. You can switch whenever you want.

Is BetterSaver free to use?

Yes. The quiz and recommendation are free. You still pay your KiwiSaver fund fees to your chosen provider, as normal.

Should I just go direct to a provider?

Providers will only promote and recommend their own funds. BetterSaver is independent, looks across the market, and gives you a straight answer about what fits you best.

Do you compare the whole KiwiSaver market?

Yes. We analyse the market, but only recommend funds that meet our quality criteria.

Payments from providers do not impact our recommendations. If a provider does not support switching through BetterSaver it may limit our ongoing support.