What’s the ‘JUNO difference’?

You might be asking yourself: ‘What’s the difference between JUNO and all the other KiwiSaver providers and banks there are to choose from?’ and ‘Why should I switch KiwiSaver providers and trust JUNO with my retirement money?’ Well, it’s pretty simple, really.

This is the JUNO difference:

So, if you had to sum it up in one sentence: At JUNO, we literally save you more money for retirement, or for your first-home deposit.

Why do KiwiSaver fees matter?

Fees always reduce your returns, so it’s important to understand why you're paying the fees you’re paying. It might be completely fair, or you may be getting ripped off.

At JUNO, we think too many KiwiSaver providers and banks are overcharging members in fees, which we believe is unfair.

That’s why we charge one low, fixed monthly fee to help grow your KiwiSaver balance. This monthly fee depends on the size of your KiwiSaver balance. See below for our pricing model.

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For under 18s or 
balances under $5k


For balances
$5k - $24,999


For balances
$25k - $49,999


For balances
$50k - $99,999


For balances
$100k - $1 million*

Unlike JUNO, many other KiwiSaver providers and banks charge their members both a yearly management/account fee, and also a performance fee. Maybe they charge you other fees, too. These are usually written in a percentage form, which can make it really hard to work out what you’re paying.

On paper, that percentage might look like a small number. But in reality, it could be worth hundreds of thousands of dollars. If you’re paying a percentage performance fee on your balance from now until retirement (so, 65), you could be missing out on a pretty large chunk of your retirement money. Performance fees, like all fees, eat away at your hard-earned money.

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What about fund performance?

It's not all about fees - performance is a key factor when choosing the right KiwiSaver provider for you. At JUNO, we’re all about making your money work really hard for you. We want you to grow your balance as best you can, so you have options for retirement or your first-home deposit. Strong performance is vital to ensure your KiwiSaver money is working the best it can.

Juno’S Performance

Want to know anything else?

If you have any questions about JUNO, or KiwiSaver in general, then feel free to submit a question below or call our friendly client service team on 0800 JUNO KS.
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Call us

0800 JUNO KS
or +64 9 484 1566
if outside New Zealand