Join the Milford KiwiSaver Plan in minutes


Curious to know how Milford achieved an extra 3.6% per annum?

Find out what has separated our KiwiSaver Balanced Fund from the category average.

Remember to read the Milford KiwiSaver Plan Product Disclosure Statement. Past performance is not a guarantee of future returns. *All figures are quoted after fees and before tax. **Data sourced from Morningstar KiwiSaver Survey Multisector Balanced Fund Category as at 31 March, 2017. Download full report.

It all adds up.

  • Incremental increases in returns, no matter how small, can have a significant effect on growing your retirement savings.
  • When you add the effect of compounding returns, your KiwiSaver account can grow dramatically.
The graph alongside shows how even slightly better returns can compound over time.

Don’t just take our word for it.
Milford was named by Morningstar as the KiwiSaver Fund Manager of the Year in 2013, 2014 & 2016 ^. Here’s what they said about us:

The pre-eminent choice among KiwiSaver providers.
Milford is at the forefront of the competitive KiwiSaver sector, thanks to its well-tenured and seasoned investments team, exceptional client service, industry-leading risk-adjusted results, and commendable focus on investor education and engagement.


Remember to read the Milford KiwiSaver Plan Product Disclosure Statement before completing your application.

Once completed, you will be emailed confirmation of your new account and (if required) any additional completion instructions.

Alternatively, you can request an application form and a copy of the Product Disclosure Statement to be posted to you by clicking here.

If you have any questions please contact our team on or 0800 662 346.

We look forward to welcoming you as a client.


^ ©2016 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 ‘class service’ have 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. Refer to our Financial Services Guide (FSG) for more information at You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement (Australian products) or Product Disclosure Statement (New Zealand products) 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 ("ASXO").

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At Milford, we don’t buy and hold investments. We prefer an active portfolio management approach to adapt to a market that’s in a constant state of change. So we take advantage of investment opportunities as they arise, and aim to protect capital when markets are less favourable.


To find the very best companies to invest in, we undertake our own detailed investment research and conduct regular company visits. Last year alone, we talked to hundreds of companies to find the very best ones.


Milford’s ongoing success is due largely to the talent and passion of its people. We have some of the country’s most experienced and respected investment experts, with each person having established an impressive track record for making quality financial decisions.

This is a hypothetical investment and meant for illustrative purposes only. Past performance is not a guarantee of future returns.

Assumptions: 8% p.a. net investment return versus 7% p.a. net investment return for a 35 year old investor with starting gross annual salary of $75,000, starting KiwiSaver balance of $35,000, 3% employer and employee contributions, no withdrawals, 2.5% p.a. salary growth. Final lump sum is not adjusted for inflation.