Why join the MAS KiwiSaver Scheme?

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We're a certified responsible investor

Our Members’ funds are invested responsibly, and each fund is RIAA certified. We’re also a signatory to UNPRI, so you can be confident your investment is helping the health of our planet.

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We're helping inspire healthier NZ communities

We established and fund the MAS Foundation, tackling health inequity in NZ communities. Over time, your investment in the MAS KiwiSaver Scheme can help make a real difference.

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We're a Kiwi business owned by you

We’re a 100-year-old mutual so when you switch your KiwiSaver account to MAS, you become one of our Members and owners. And our profits help fund the MAS Foundation, not overseas shareholders.

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We can help you reach your goals.

Whether you’re saving for your first home or you’re looking forward to your retirement, the MAS KiwiSaver Scheme can help you get there. We offer a range of tools and access to commission-free advisers to help you achieve your financial goals.

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Choose the right fund for you

Investors have different goals, different risk appetites and are at different stages of life. That’s why we offer seven KiwiSaver funds – each with their own risk profile – so you can choose a fund specific for your situation.

Over 5 Years

Over 3 Years
Fund MAS KiwiSaver Market Average* MAS KiwiSaver Market Average*
Cash 1.6% 1.4%  1.1% 0.9%
Conservative 3.6%  3.6%  3.0% 2.9%
Moderate 5.2%  4.6%  5.2% 3.8%
Balanced 6.9%  6.6%  7.5% 6.5%
Growth 8.6%  8.6%  9.7% 8.6%
Aggressive 9.6%  9.3%  10.9% 9.5%
Global Equities 10.7%  10.8%  12.4% 12.5%

* Source: Morningstar KiwiSaver Report (annualised returns for the 3 and 5 years to 31 March 2022). Returns are after fees and before tax. Past performance is not a reliable indicator of future returns.


Delivering strong results.

How your KiwiSaver fund performs over the long term will make a big difference to your retirement savings.

With our active approach to investing, MAS aims to provide healthy long-term returns to help you get the most from your KiwiSaver account.  

When you compare annualised KiwiSaver fund returns over 3 and 5 years, MAS funds are performing at or above the market average in almost every category we're in. In fact, over 5 years our KiwiSaver funds are among the top performers in 4 different categories.*



MAS Responsible Investment certification

We invest responsibly

We have a Responsible Investment Policy that guides what we will and won’t invest in. All of our KiwiSaver funds are independently certified, so you can rest easy knowing your nest egg is invested according to your values.

Manage Investments with MAS Investor Portal

Managing your account is easy

It’s easy to manage your MAS KiwiSaver Scheme account with our Investment Portal. You can see your balance, check your contributions, update your details and much more. Simply log-in or register your account in a few clicks.

“MAS has given me a lot of advice over the years - great advice. They also work hard to provide wellbeing for their Members.”

Tiff Logan, Dentist

The RIAA Certification Symbol signifies that a product or service offers an investment style that takes into account certain environmental, social, governance or ethical considerations. The symbol also signifies that the MAS KiwiSaver Scheme and MAS Retirement Savings Scheme adheres to the strict operational and disclosure practices required under the Responsible Investment Certification Program for the category of Superfund option. The Certification Symbol is a Registered Trade Mark of the Responsible Investment Association of Australasia (RIAA). Detailed information about RIAA, the Symbol and the MAS KiwiSaver Scheme and MAS Retirement Savings Scheme methodology and performance can be found at www.responsiblereturns.com.au, together with details about other responsible investment products certified by RIAA1

The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold an Australian Financial Services Licence.

Medical Funds Management Limited is the manager and issuer of investments in the MAS KiwiSaver Scheme (the Scheme). A copy of the Product Disclosure Statement (PDS) for the Scheme is available here. If you would like to talk to a MAS adviser, phone 0800 800 627 or email info@mas.co.nz