How our funds are managed

When you invest in one of our schemes, the ANZ KiwiSaver Scheme or ANZ Default KiwiSaver Scheme, you can be sure your money is working every bit as hard as you do – now and in the future. Here are some of the reasons why:

Your money is managed by experts

Our KiwiSaver schemes are managed by ANZ Investments, ANZ’s award-winning fund manager. Their track record of consistent performance over the long-term has been recognised with numerous awards. Find out more about our investment management team.

We take an active approach to investing

The goal of active management is to deliver better performance than a particular index or market over the long term. Both schemes offer six different funds. All of these are actively managed (except for the underlying fund for international share assets for the ANZ Default KiwiSaver Scheme Conservative Fund, which is passively managed).

Our active management approach means that our investment management team continually monitors the markets to identify what we believe are the best opportunities to optimise your investment. We don’t track a particular index or market, rather we use our extensive research capabilities and our relationships with high performing international investment houses to carefully select quality investments that we believe will perform over the long term.

Spread your risk

All funds except for the Cash Fund are diversified, which means they generally invest in multiple asset types, organisations, industries and countries. Diversification spreads your risk as at any one time, some assets in a fund may do well even if others don’t. Find out more about our funds.

Your money is invested responsibly

We’re committed to responsible investing because we believe it’s in the best long-term interests of our investors. Responsible investing is good for society, and it’s good for our investment portfolios too.

Our approach

When you invest with us, you can be confident your money is being invested responsibly. Here are some of the reasons why:

Sustainable Performance 1X Active Ownership 1X Guiding Principles 1X What We Do Not Invest In1x
Sustainable performance Active ownership Guiding principles What we don’t invest in

Our goal is to deliver sustainable performance in a sustainable way. When we assess investments we look at a range of both financial and non-financial criteria. We believe that environmental, social and governance factors are some of the drivers of long-term investment risks and returns.


We take an active, rather than passive, approach to managing your investments. This means we retain control of the investments we manage. We can act when necessary to ensure our investment funds meet, and continue to meet, our financial and non-financial criteria.



We are a signatory to the Principles for Responsible Investment (PRI), a United Nations supported framework which provides aspirational global criteria for responsible investing. As part of this, we are committed to reporting on our activities and progress towards implementing the principles.



We don’t invest in companies that are involved in manufacturing cluster munitions or anti-personnel landmines, manufacturing or testing nuclear weapons, manufacturing tobacco products, and manufacturing automatic and semi-automatic firearms, magazines or parts for civilian use.




Find out more about our responsible investing approach

Find out what the funds in the ANZ KiwiSaver Scheme and ANZ Default KiwiSaver Scheme invest in.

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