Are your retirement savings on track?

KiwiSaver can be an important tool to help you save for your retirement. Even if you’re in your 40s, it’s a great time to start putting even just a little bit aside regularly.

It’s important your KiwiSaver account is on track to get the most from it. Make sure you’re in the right fund, aren’t paying too much in fees, and getting good performance over the long term.

Small tweaks now can make a big difference in the long term.

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


Strong performance of your money over the long term is important - it’s why you have your money invested. We’re proud of how our funds have performed so far

These returns assume a PIR of 28% (the highest PIR) and are shown before fees.

For further information on our market indices, please refer to our Statement of Investment Policy and Objectives (SIPO). Indices are shown in NZD.

JUNO Growth Fund at 30 June 2020

Market Index


1 year


Market Index


Since inception* (p.a)

Returns are before fees and assume a PIR of 28% (the highest PIR).

Inception date is 1st August 2018.

Find the right fund

Funds can vary between providers, but usually there are three main types:

Growth – Growth funds aim to provide you with capital growth – really making your money work hard for returns. If you’re in a higher-risk growth fund, usually with more shares, your money is more likely to move up and down with the highs and lows of the share market. This means you might see dramatic changes in your balance. A growth fund might suit you if you’re investing for 10 years or more.

Balanced – Balanced funds aim for steady capital growth. The investment style is what the name says – a balanced approach. A balanced fund might suit you if you’re investing for more than five years.

Conservative – Conservative funds aim to preserve your money, are less risky than aggressive or growth funds, and you’ll generally see fewer dramatic ups and downs. A conservative fund might suit you if you’re investing for under five years, for example, if you’re close to taking out your KiwiSaver money for your retirement.

Help me choose

* We have not considered anyone's personal circumstances, financial goals or objectives. Before acting upon this information, we recommend you speak with a financial adviser.

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