Is your KiwiSaver balance under $5k?

If you’ve got a low KiwiSaver balance of under $5,000, or a zero balance, JUNO offers some great benefits.

You may have a low balance if you’ve recently withdrawn some of your KiwiSaver money for your first home or for retirement. Or maybe you're new to KiwiSaver and have just signed up. Either way, JUNO can give you a good head start in growing your KiwiSaver balance with ZERO fees!

Grow your KiwiSaver balance with ZERO fees

We know fees eat into your KiwiSaver balance, and this has a bigger effect if you don’t have much in your account to start with. There’s not only a financial effect – watching fees chip away at a small balance can be very discouraging. If you're just starting out with an investment habit, it could even make you decide to give up.

If you’ve just taken out all your money for your first home, having no fees on your new, lower balance can give you a head start and get you back on track for saving for that retirement.

At JUNO, we want New Zealanders to form good investment habits. So, we don’t charge any fees on balances under NZ$5,000 – it’s our commitment to helping everyday Kiwis create a better financial future through KiwiSaver. There are also no fees if you’re aged under 18

white piggy

What happens when my balance is over $5k?

At JUNO, our goal is simple. We want to save you more money for your first home and retirement by charging low fees.

Once your balance is over $5,000 (so, between $5,000 and $24,999), we will charge one fixed, low monthly fee of $5 per month.

You can learn more about our unique pricing structure here.

JUNO Pricing

You'll pay less with JUNO

Please enter a value between $1000 and $500,000
Industry Average
Balance above $200,000? Industry Average JUNO Fees KiwiSaver balance


JUNO Pricing

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Why does JUNO have low fees?

At JUNO, we think too many KiwiSaver providers are overcharging members in fees, which is unfair.
We want to help you save more money towards your first home deposit by charging low, fixed monthly fees.

You might be shocked to learn how much of your KiwiSaver money is actually being eaten away by provider fees.
We’re transparent, honest, and keep it simple and easy to understand.


Their Fees

A typical KiwiSaver provider charges you an administration fee, a management fee and some even charge a performance fee too! If your KiwiSaver balance is $20,000, then the average fee is $259.29 a year*.

Our Fees

Are based on a monthly subscription, think Netflix and Spotify. We only charge you one, low, fixed monthly fee based on your balance.

The industry average for KiwiSaver funds management fees for the Growth Fund is 1.14% p.a. (according to Sorted FundFinder - last reviewed 1st April 2020) and the overall industry average admin fee is $31.29 (according to Sorted FundFinder data - last reviewed 1st April 2020).

Ready to grow your balance with ZERO fees?

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Pricing FAQs

Why do fees differ between KiwiSaver providers?

Fees always reduce your return, so there must be a good reason to pay higher fees. The best reason is that you’re regularly getting great returns. But you might also be happy to pay higher fees because you’re getting top service.

It’s important to find out what you’re paying and understand why you’re paying the fees you’re paying. It might be completely fair, or you may be getting ripped off!

Can I switch my existing KiwiSaver account to JUNO?

Yes. Switching to JUNO is an easy online process and should only take a couple of minutes.

Once you’ve completed the online application, we manage the process of transferring your KiwiSaver balance across to JUNO. This can take up to 35 days.

Are you ready to switch? Click here

Make sure you know your IRD number and have a photo ID handy, such as your passport or driver’s licence.

How safe is my money with JUNO?

Your KiwiSaver investment will be looked after by experienced and qualified fund managers at Pie Funds Management. We’re a registered KiwiSaver provider helping to protect your savings and working hard to grow them.

However, the money is not physically at Pie Funds. It’s held by a custodian who makes the investments on instruction from Pie Funds.

Do I pay less if my balance decreases?

Yes, our fee structure means this can happen. Your fees are based on your balance and if it moves down – or, hopefully, up – enough, you’ll pay a lower or higher fee, if you enter a new fee range.

However, whatever your balance, the fee is low relative to that balance and low compared to what other KiwiSaver providers charge for the same balance.

Other benefits of switching to JUNO

A low fee structure
you'll understand
- and love

See our Pricing

Real humans looking after your money in a responsible and sustainable way

Smart investing

Feeling confused? We've got simple guides to help you understand your KiwiSaver

Learn with JUNO

A KiwiSaver Plan for Everyone % Kiwi owned and operated

The Kiwi touch

Pie Funds Management Limited is the issuer of the JUNO KiwiSaver Scheme. You can read our Product Disclosure Statement here. This article is general in nature only and has not taken into account any particular person’s objectives or circumstances. We recommend you speak with a financial adviser. All content is correct at time of publication date.