Generate KiwiSaver Scheme

We are Kiwis, and KiwiSaver specialists.

As a specialist KiwiSaver provider, we focus on helping our members grow their savings to achieve the lifestyle they want in retirement. We invest responsibly and have a track record of excellent long-term returns**.

Join over 110,000 Kiwi’s already invested with Generate. Our award-winning*** team of friendly advisers are located across the country and are available to help.


Our KiwiSaver fund options

We’ve launched new funds. Find out what’s changed.

Choosing a KiwiSaver fund that’s right for your savings goals is important. Each fund has a different investment strategy and risk profile, and will produce different returns. At Generate, we have six funds to choose from, with varying degrees of risk and potential return.


Find the right fund for you

For help choosing the right fund for you, try our services below.


Our ‘Stepping Stones’ options make fund selection easy

Our Stepping Stones options invest your KiwiSaver savings across different funds based on your age. As you get older, the way your savings are invested automatically adjusts, and slowly becomes more conservative. This ‘set and forget’ strategy gives you the benefit of growth investments and the protection of conservative investments as you need them – automatically.

Stepping Stones
This investment option will automatically invest your KiwiSaver savings in our funds based on your age and will reduce your risks as you get older.
Stepping Stones Growth
This investment option works in the same way as Stepping Stones, but it will keep you invested in a higher proportion of growth assets for longer.


Not sure which fund is best for you?

We’re here to help and happy to chat. Simply contact us or call 0800 855 322 - we will answer any questions you have and point you in the best direction.


Why choose Generate?

Generate is New Zealand owned and operated, run by Kiwis for the benefit of Kiwis. We are ‘active’ fund managers, which means we research and choose the best investments and keep on top of them, every day. We invest in an ethical and responsible way and were voted as having the best KiwiSaver service at the Reader’s Digest Quality Service Award, 2022.


Still got questions?

Check out our FAQ’s or get in touch with our team.



^See Generate KiwiSaver Scheme Product Disclosure Statement for more details.
*Generate 5 year returns as at 31 May 2022, for more information click here.
**Past performance is not a reliable indicator of future returns.
***Generate was voted the Gold winner for Superannuation at the Reader’s Digest Quality Service Awards 2022

  1. The actual investment mix may vary from the target asset allocation as we pursue tactical investment opportunities, or as we seek to protect asset values in periods of market volatility. For further information about the funds’ investment activities see the Statement of Investment Policy and Objectives (SIPO) here.
  2. See the Scheme’s Statement of Investment Policy and Objectives (SIPO)
  3. The risk category for each investment option is calculated based on the volatility of past returns over five years. See OMI for more information. 
  4. Estimate for the year ahead. Annual fund charges for the fund are made up of: the management fee; the supervisor fee; other administration charges. For details regarding the actual fund charges, see the latest fund update here.