Kiwisaver

Invest in a more sustainable future.

By joining the MAS KiwiSaver Plan, you could have the funds to buy your first home or retire comfortably. And by following a responsible investment mandate we're doing what we can to make your future both sustainable and financially rewarding.

  • It’s quick and easy to join online
  • Our investment managers actively seek to optimise returns
  • Your money is invested responsibly

Choose the right fund for your future

At MAS we know everyone has different circumstances. That's why the MAS KiwiSaver Plan has seven Funds to choose from - so you can choose a fund that meets your needs.


Cash Fund

Suitable for investors who require an investment with very low volatility.

The Fund aims to achieve stable returns over the short term by investing in a range of cash and cash equivalent investments. 


Conservative Fund

Suitable for investors with a strong emphasis on the security of their savings over time and who wish to have a high degree of stability in their return.  

The Fund aims to preserve capital while providing a steady return by investing around 80% in income assets and around 20% in growth assets. 


Moderate Fund

Suitable for investors who are prepared to accept some investment risk to potentially achieve a moderate return.

While investing around 65% in income assets and around 35% in growth assets this Fund aims to provide moderate returns over the short to medium term.


Balanced Fund

Suitable for investors looking for medium term growth and willing to accept medium volatility.

Aims to provide a medium level of return over the medium term by investing in a mix of around 45% in income assets and 55% in growth assets. 


Growth Fund

Suitable for investors who are prepared to accept a high level of investment risk to potentially achieve a high return. 

Aims to provide strong returns over the long term. This Fund invests around 75% in growth assets and around 25% in income assets. 


Aggressive Fund

Suitable for investors who are prepared to accept a higher level of investment risk to potentially achieve a higher return.

This Fund aims to provide higher returns over the long term. It invests around 85% in growth assets and around 15% in income assets.


Global Equities Fund

Suitable for investors who are prepared to accept a higher level of investment risk to potentially achieve a higher return.

This Fund aims to provide higher returns over the long term. It usually only invests in growth assets. 

“MAS has certainly made a really big effort to get us to understand more about where they are investing our money, and in particular moving into more ethical investment products.”

Anna Sullivan, Emergency Medicine Specialist

Why invest with MAS?

1

Responsible Investments

We’ve established a responsible investment mandate across $1.5 b of funds, with our investments excluding companies from the tobacco, weapons and fossil fuels industries.

2

Zero Commission

Our advisers aren’t paid an incentive, which means they’re commission-free, and as a benefit of membership, their advice comes at no additional cost.

3

Charitable Status

We’re launching a Charitable Trust, which means any surplus will be returned to your communities to fund health research, promotion and education in New Zealand.

The Trustees of the MAS KiwiSaver Plan (the Plan) are the issuer and manager of the Plan. A copy of the Product Disclosure Statement (PDS) is available here. If you would like to receive a hard copy of the PDS, or for personal, tailored advice, you can talk to a MAS adviser by phoning 0800 800 627 or emailing info@mas.co.nz.