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★ Awarded Best Ethical KiwiSaver Plan by Mindful Money · 5 years running

Pathfinder KiwiSaver Plan, for people who care how their money is made.

Be guided by goodness while you grow your wealth with New Zealand's leading ethical investors.

Estefania Muller Pallarès, proud Pathfinder KiwiSaver Plan investor
Estefania Muller Pallarès
Proud Pathfinder KiwiSaver Plan investor
12,400+
Kiwis already invest with us
Last switched
7 minutes ago
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Recognised by the people who measure what good looks like
Mindful Money Best Ethical KiwiSaver Provider Mindful Money Animal Cruelty Free Mindful Money Climate Friendly Mindful Money Weapons Free Certified Responsible Investment by RIAA Certified B Corporation

Let's find the right fund for you.
With just 3 questions.

Each question is designed to learn more about what you need your KiwiSaver to do and for how long.

At the end, you'll be introduced to the Fund(s) we think you'll be most interested in (based on your answers). This is not financial advice, it's information about our Funds. Ultimately, where you choose to invest is your decision.

We recommend you seek financial advice - which we can help with. Click here to chat.

Prefer to skip the quiz? See all funds at a glance →

Before you ask about fees

Cheap? No. Value for Money? Yes.

We're not competing on fees. We're aiming to deliver a retirement you can actually feel good about, with above-market returns after fees from ethical investments.

The Pathfinder KiwiSaver Plan aims for strong, long-term returns (after fees) from actively managed investments that pass our ethical assessment.

Our fees help cover deep ethical research into our investments, which aim to deliver individual wealth and collective well being.

Person balancing a heart and a growth arrow
The receipts
Annual Ethical Scorecard, 2025

Here's what the companies in your Pathfinder KiwiSaver Plan are actually doing.

We don't just track our fund's financial performance, we track its ethical performance too. Check out some key climate, human rights and UN sustainability metrics for the Pathfinder KiwiSaver Growth Fund below.

Climate positive

What % of listed companies in this fund are helping us reach the Paris Agreement?

55%

Have committed to a Science Based Target initiative (SBTi) to some degree.

Learn more
Human rights

What % of listed companies in this fund publish a human rights policy?

91%

A policy isn't a guarantee. But it's a public commitment we can hold companies to.

Learn more
Funding what the UN
wants more of

How many listed companies in this fund self-report aligning with SDG7?

100

Out of 196 companies.

SDG7: Affordable and Clean Energy. Ensure access to affordable, reliable, sustainable and modern energy for all.

Learn more
All figures from the 2025 Annual Ethical Scorecard for the Pathfinder KiwiSaver Growth Fund. Yardstick: Morningstar Global Markets ex-Australia Index. ESG data via LSEG / Refinitiv.
Read the Ethical Scorecards→
12,400+
Kiwis already
invest with us

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investing in better.

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Your KiwiSaver account, your choices

Grow your wealth, ethically.

Explore the impact fund type and contribution rate have on the amount you could save for your future.

35
NZ median salary is $80,000
$80,000
If you're starting fresh, leave at $0
$25,000
Minimum 3.5% from April 2026 onwards

This calculator provides indicative projections only and is designed to help you estimate your potential KiwiSaver balance at age 65. The results are based on the information you provide and standard industry assumptions, including future investment returns, inflation, and contribution rates. These assumptions may not reflect actual market conditions or your personal circumstances. You can learn more about the assumptions here.

The outputs from this calculator do not constitute financial advice, are not a guarantee of future performance and should not be relied upon for making investment or financial decisions.

Past performance is not indicative of future results which are subject to market fluctuations and other risks, including possible loss of capital. The projections do not account for changes in KiwiSaver contribution rules coming into effect next year.

We recommend that you seek financial advice before making any decisions regarding your KiwiSaver investment. Please contact us if you have any questions.

At age 65 you could have
$0
In your Pathfinder Growth fund
$0
What you (and your employer) put in
+
$0
Growth on top, from compounding

Split calculated using standard compound interest broken into two parts.

  • What you put in your contributions + employer's 3% (net of ESCT) + the $260.72 government top-up, totalled over the years to age 65.
  • Growth on top the projected balance minus those contributions (the compounding).
Join the Pathfinder KiwiSaver Plan →

The annual rate of return is based on your fund type:

  • Conservative Fund: 2.5%
  • Balanced Fund: 3.5%
  • Growth Fund: 4.5%
  • High Growth Fund: 5.5%

See full assumptions.

How we limit the negative

Things we aim to avoid.

Aiming to avoid alcohol, tobacco and gambling, that's just common sense. We go much further. We use nuanced and rigorous exclusions with the aim of filtering out the most harmful industries and activities from the Pathfinder KiwiSaver Plan.

Some examples below:

  • ?We permit investments in companies that do not derive more than 5% of identifiable revenue from the exploration, extractive, conversion (with respect to thermal coal) or distribution (except by rail) of fossil fuels. See our Ethical Investment Policy for more details. We can (and do) in exceptional circumstances permit investment in a company connected with Fossil Fuel - such exceptions are approved on a case-by-case basis by the Ethics and Investment Committee. A register of exceptions is available here. Fossil fuels
  • ?We permit investment in companies that derive no more than 5% of identifiable income from the production and distribution of conventional weapons and their components. We allow investments in companies that earn no more than 50% of identifiable income from non-weapons related services or products to the military. See our Ethical Investment Policy for more details. Conventional weapons
  • Factory farming
  • ?Animal testing is a complex area for investing. See our Ethical Investment Policy for details of our approach. We can (and do) in exceptional circumstances permit investment in a company connected with animal testing - such exceptions are approved on a case-by-case basis by the Ethics and Investment Committee. A register of exceptions is available here. Animal testing
  • ?We permit investments in companies that derive no more than 5% of identifiable revenue from the commercialised production and sale of GMOs, or no more than 5% of revenue from the sale of palm oil and palm oil products. See our Ethical Investment Policy for more details. Palm oil
  • ?We permit investments in companies that derive no more than 5% of identifiable revenue from the commercialised production and sale of GMOs, or no more than 5% of revenue from the sale of palm oil and palm oil products. See our Ethical Investment Policy for more details. GMOs

Note that this list is not exhaustive and we may still hold investments in these areas as we apply revenue thresholds and grant exceptions in limited circumstances. We may also have limited information about an investment's involvement in a particular activity. Please hover over any ? icons for more details or read our Ethical Investment Policy or our Exceptions Register.

What makes us different?

We invest for the world we want.

Ethical investing.

We have extremely rigorous exclusion criteria. If an investment disrespects people, our planet or animals, we probably aim to avoid it. To do this we use a range of tools, like ESG reviews, controversy screening and good old fashioned letters directly to the companies themselves. Learn more in our Ethical Investment Policy.

Active investing.

Passive funds copy whatever's in the index. We hand-select our investible universe, partake in research and ethical debate, and invest in unlisted private assets (eg. climate tech and social housing) that index funds can't buy. You're paying for this proof, not just to track the market.

Value for money.

Being good is complicated. That's why lots of people don't do it. Yes, our fees are higher than passive index funds. They pay for deep research, controversy screening, ethical debate, committee oversight and access to unlisted private assets. And 1% of those fees goes back into our community through scholarships, social enterprise grants and donations.

Our funds

Same bright future.
Pick which path will get you there.

All four funds meet our ethical policy.
They differ in how much risk they take and how long you plan to invest.

Pathfinder KiwiSaver
Conservative Fund Lower risk

Minimum suggested timeframe: 3+ years

4.23%
Since inception p.a.
1.20%
Fund fee p.a.
Learn more →
Pathfinder KiwiSaver
Balanced Fund Steady returns

Minimum suggested timeframe: 5+ years

7.73%
Since inception p.a.
1.30%
Fund fee p.a.
Learn more →
Pathfinder KiwiSaver
Growth Fund Higher growth

Minimum suggested timeframe: 8+ years

10.23%
Since inception p.a.
1.35%
Fund fee p.a.
Learn more →
Pathfinder KiwiSaver
High Growth Fund Maximum growth

Minimum suggested timeframe: 10+ years

22.69%
Since inception p.a.
1.27%
Fund fee p.a.
Learn more →

Our Product Disclosure Statement (PDS) contains information to help you decide whether to invest in our funds. We review and update it regularly. Our latest Pathfinder KiwiSaver Plan PDS dated 31 March 2026 has been lodged with the Registrar and is available to download here or on request from us. Units in the Funds are issued by Pathfinder Asset Management Limited.

*Performance as at 30/06/2026 (after fees, 0% PIR). Inception date for our Conservative, Balanced, and Growth Funds: July 2019. The inception date for the High Growth Fund is April 2025.

Common questions

The four questions you'll have.

If yours isn't here, ask us on chat, or check out our full FAQs.

How do I know the Ethical Scorecards are accurate?
Every listed company in our portfolio is analysed using data provided by an independent company, London Stock Exchange Group (LSEG) Data & Analytics, formerly known as Refinitiv. We compare our Funds to a 'yardstick', a standard index where the listed companies in the portfolio were not selected using an screening process. The full methodology is in every annual Ethical Scorecard.
How long does switching actually take?
Three minutes online. You provide your IRD number, ID and contact details. We handle the rest with your old provider.
Why are your fees higher than passive index funds?
Because we do something different. Passive funds buy whatever's in the index. We hand-select our investible universe, run deep research and ethical debate, maintain committee oversight, and invest in unlisted private assets (like climate tech and social housing) that index funds can't buy. You're paying for the proof you just read, not a tracker.
Is Pathfinder safe and regulated?
Pathfinder KiwiSaver Plan is a registered KiwiSaver Scheme under the Financial Market Conduct Act and the KiwiSaver Act. When you invest your money with Pathfinder, the money is held by an independent custodian, Public Trust. If, for any reason, Pathfinder ran into difficulties, your investments would not be affected at all, and the Scheme's investments would be transferred to another manager.
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