Choose an award-winning KiwiSaver Provider

Our team invest their own money right alongside yours, so you know we’re truly invested in your success.

Our KiwiSaver Plan

has delivered #1 returns

Our strong investment performance comes down to our strong team; Our expert active Investment Team is constantly adjusting your investment based on potential risk and potential opportunities. We do our own detailed research and our team invests their own money in the Milford Funds right alongside yours – so you can take comfort knowing your KiwiSaver money will get the care and attention it deserves.

The graph shows three of our Funds outperforming other KiwiSaver providers in the Morningstar Survey over the last decade. To see how our performance compares to others in the full Morningstar KiwiSaver Survey March 2024 Quarter click here.

Past performance is not a reliable indicator of future performance. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan. Please read the Milford KiwiSaver Plan Product Disclosure Statement here. Before investing, you may wish to seek financial advice. For more information about our financial advice services, please visit here.

Ready to join or switch your KiwiSaver account?

Here is what you need to get started

Your Driver Licence
We don’t need to see the photo of you from 6 years ago, but we do need you to triple check that the name you give us matches what’s on your licence.
Your Passport
No Driver Licence? Your passport will do just fine. Please triple check that the name you give us matches what’s on your passport.
IRD Number
Argh this darn thing! Don’t worry, you don’t need to ring IRD just have a look on your latest payslip.
Not feeling ready? Read on or try our Digital Advice Tool

Hear stories from

people like you

Hear some of the stories from people just like you who are figuring out their investment journeys.

Use the Milford app or web portal

to track your KiwiSaver investment

Couple checking their Milford KiwiSaver balance

What to consider when

choosing a KiwiSaver Fund

Your goals

Identifying you goal should be your first step - will you use your KiwiSaver savings for your first home or for retirement? Deciding on your goal will help narrow down your Fund choice.

Your risk profile

The next thing worth considering is your tolerance for risk. This is often referred to as your ‘risk profile’. Investments can go up and down in value so, it’s important to consider how much risk you’re comfortable with, taking into account your goal and your timeframe.

Your timeframe

Once you know your goal, you can work out your investment timeframe. This is the amount of time you plan to keep your money in KiwiSaver before you withdraw it for a home or for retirement.

Try our handy slider tool below to learn more about choosing the right Fund for your risk profile.

Choosing the right

KiwiSaver Fund to suit you

Now you've considered your goal, your investment timeframe and your risk profile, it’s time to choose a KiwiSaver Fund, or Fund Mix.

Lower-risk Funds are those that are less likely to fluctuate up and down over a period of market volatility. That means less risk of loss, but also lower returns in the long run.

Higher-risk Funds are more likely to have bigger drops in value (than low-risk Funds) during periods of market volatility. But they’re also more likely to produce higher returns over the long run.

Identify your goals with our online tools, then compare our KiwiSaver Funds to see which suits you
High: 1Low: 6
Risk Indicator 1
Illustrative Risk Level
Potentially lower returnsPotentially higher returns
Our Risk Levels are 1 (lower potential risk) to 7 (higher potential risk) in alignment with our Product Disclosure Statement.
High: 3Low: 4
Risk Indicator 3
Illustrative Risk Level
Potentially lower returnsPotentially higher returns
Our Risk Levels are 1 (lower potential risk) to 7 (higher potential risk) in alignment with our Product Disclosure Statement.
Questions people
ask us frequently

Direct credit via your online banking
Set up regular payments or do a one-off payment via your online banking straight into your account using the following details:

Bank account name: Milford KiwiSaver Plan
Account number: 02 0500 0966274 00
Particulars: Please enter Milford Account Name
Code: Please enter Three Letter Fund Code e.g. KWS
Payer Reference: Please enter your Milford Account Number (starts with ML)

Set up a Direct Debit
Click here to set up automatic regular payments from your bank account straight into your account.

Tell your employer to increase your contribution rate
You can set your contribution rate at either 3%, 4%, 6%, 8% or 10% of your salary or wages. Simply tell your employer in writing the rate you would like.

Switching your KiwiSaver provider to Milford is easy and hassle-free. Just complete our online application form on our website with your NZ ID and IRD number, and we’ll handle the rest. It only takes a few minutes to complete the application and you don’t need to contact your current provider. We’ll let them know and manage all the paperwork. The switch will be completed within a couple of weeks. If you have any questions, our friendly Client Experience team is here to help. Call us at 0800 662 345 or [email protected]. It’s that simple—no fuss, no dramas!

As an active manager, Milford takes a hands-on approach to investing – which means we’re doing all the work on your behalf, so you don’t have to! Our expert team constantly monitors the markets, re-evaluates investments, and makes insightful decisions to take advantage of opportunities as they arise and manage risks along the way. We work hard, striving to maximise your results to help you meet your financial goals.

Milford is committed to sustainable investing. We believe in affecting positive change through active engagement with the companies we invest in, encouraging them to improve their sustainable practices.

We undertake in depth analysis 
of the Environmental, Social 
and Governance (ESG) 
credentials of every company we invest in. We believe we can make the biggest impact by engaging with companies to address sustainability issues and drive positive change and help drive the transition to a more sustainable future.

To learn more, visit the Sustainable Investing section of our website.

Yes, you can transfer your Australian Superannuation (Aussie Super) to your Milford KiwiSaver account, so you can manage all your retirement savings under one roof.

Our team at Milford can assist you with the paperwork. For more information visit the Transferring your Australian Superannuation to KiwiSaver on our website. If you have any questions or need help, call 0800 662 345 or email [email protected]

If you wish to contribute, you can choose to contribute 3%, 4%, 6%, 8%, or 10% of your income. Your employer must also contribute at least 3% if you’re contributing from your salary. You can also choose to contribute to your account voluntarily, regardless of whether you are employed or not. If you’re self-employed you can still contribute directly too. To maximise the government’s $521.43 annual contribution, you should aim to contribute at least $1,042.86 each year before the end of June.

Yes, you can use your KiwiSaver savings to buy your first home through the First Home Withdrawal scheme. To be eligible, you must have been a KiwiSaver member for at least three years as well as meet other criteria set by the scheme.

Choosing the right KiwiSaver Fund for buying a house depends on your risk profile and your timeframe. If you’re planning to buy a home in the next few years, a Conservative or Defensive Fund might be a good choice as it has lower risk and less chance of significant short-term fluctuations. If you are planning your first home further down the line, you might consider a Balanced or Growth Fund as they come with more risk but could offer higher returns over the long term.

Use our Digital Advice KiwiSaver tool on our website or talk to our KiwiSaver advice team for a personalised recommendation for your situation.

Milford has delivered strong returns through a combination of expertise, investment strategies, and dedication. Our expert investment team, one of the most globally experienced in New Zealand, conducts rigorous research and analysis to identify the best investment opportunities. We actively manage your investments, continually re-evaluating and adjusting to market conditions striving to maximise results and manage risk. Plus, our team invests their own money in the same Milford Funds as our clients, which means we’re highly motivated to achieve the very best outcomes.

You can use our Digital Advice KiwiSaver tool on our website to get a personalised recommendation based on your goals, risk profile and investment timeframe. If you prefer to talk to someone, our KiwiSaver advice team is here to help too. Just give us a call at 0800 662 345. We’re here to make sure you find the right Fund for your circumstances.

Compound returns is the process where you earn returns on top of the returns you previously earned. Here’s how it works: when you invest money, you earn returns on that initial investment. In the next period, you would be earning returns on both your original investment and the returns you’ve already made. This snowball effect means your investment can grow faster over time. It is the key benefit of investing early and staying invested, as it allows your money to grow exponentially the longer you are invested.

With more than 20 years until retirement, you have a long investment timeframe, which means you can afford to take on more risk for potentially higher returns. A Growth Fund or an Aggressive Fund could suit you, as these Funds have the potential for higher returns over the long term, but they can be more volatile in the short term – so you would need to have a higher tolerance for risk to be in this type of Fund. For tailored advice, use our Digital Advice KiwiSaver tool or speak with our KiwiSaver advice team at 0800 662 345 to find the best Fund for your retirement goals.

Join or switch now, or get advice on choosing your fund with our Digital Advice tool