Smart KiwiSaver Scheme

Default fund

Default by name. Chosen for balance. Because not every investment decision needs to be all or nothing. A balanced investment option, with lower fees and responsible investment exclusions built in.

Explore the default fund

Smart Default fund

The fund invests across a mix of growth and income assets and has a lower fund charge than our other diversified funds. It also excludes certain investments, including fossil fuel production and illegal weapons (cluster munitions, anti-personnel mines and nuclear explosive devices).

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Not what you're looking for? Explore Smart KiwiSaver Scheme funds.

Need help choosing a fund?

There isn't one investment mix that's right for everyone.

The right balance depends on things like how long you expect your money to be invested, what you're investing for and how comfortable you are with market ups and downs.

Use our Fund Finder to find a fund that could suit you.

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