KiwiSaver fees explained (and what they cost you at 65)
A 0.5% fee difference can be tens of thousands over a working life.
By the MoneySavingKiwi team · Last updated 30 Aug 2026
Fees compound the same way returns do.
Compare the total annual fund charge, not just the membership fee, and make sure your fund risk matches how long until you need the money.
If you are saving for a first home in the next three years, a growth fund is usually the wrong home for that money.
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