Smart KiwiSaver Scheme

Build your own with My Mix

Want more say in how your KiwiSaver account is invested?

My Mix lets you call the shots with what your KiwiSaver savings is invested in and how much goes into each fund.

Join us

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What is My Mix?

More choice, on your terms

My Mix is the build-your-own KiwiSaver investment option in the Smart KiwiSaver Scheme.

Choose a single fund or build your own combination from more than 40 options, all within one KiwiSaver account.

  • Diversified funds - ready-made options designed to balance risk and return over time, from Conservative to High Growth.

  • Sector funds - funds focused on specific industries, regions or investment types.

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Why choose My Mix?

My Mix is designed for people who want to take a hands-on approach to their KiwiSaver savings.

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Build your mix with 40+ funds

Mix and match investment options to create a portfolio that works for you.

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Change as life changes

Life changes. Your investment mix can change with you, with no additional fees.

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You choose the split

Pick the funds and the percentages each invest in.

How does it work?

Choose the funds and percentages, and you can update your mix whenever you want. It's all about giving you more flexibility.

Step 1

Choose the funds you want to invest in.

Step 2

Decide what percentage of your KiwiSaver balance goes into each fund.

Step 3

Update your mix whenever your goals or circumstances change, at no additional cost.

Ready to join?

Join over 90,000 New Zealanders who trust Smart with their KiwiSaver savings.