About Pathfinder

NZ's leading ethical fund manager, specialising in KiwiSaver and managed funds.

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About Ethical Investing

More than just exclusions. We select companies along environmental, social and governance metrics.

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Charitable Giving

20% of our KiwiSaver fees go to NZ charities. We work with 17 charity partners.

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Our People

Pathfinder is predominantly owned by New Zealand-based shareholders and is part of the global wealth management company Alvarium.

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KiwiSaver

Carbon-zero KiwiSaver funds that will leave you and the planet better off.

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Growth Fund

This Fund may suit you if you're investing for 10+ years.

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Balanced Fund

The Fund may suit if you have a medium or longer timeframe to invest, like 5+ years.

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Conservative Fund

Ethical investing to achieve modest returns with a lower risk focus.

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Working with Pathfinder

Make us a preferred provider or book a talk on ethical investing. We work with value-aligned workplaces including Xero.

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Managed Funds

Invest ethically outside of KiwiSaver with our actively managed, high performance managed funds.

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Ethical Growth Fund

Just like our Pathfinder KiwiSaver Growth Fund but with access when you want. 

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Ethical Trans-Tasman Fund

The Fund invests in Australian and New Zealand equities, listed property and other assets.

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Global Responsibility Fund

The Fund invests in international equities and listed property that satisfies Pathfinder’s ethical investment criteria.

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Global Water Fund

We invest in companies trying to solve the Global water crisis.

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Global Property Fund

Global property offers significantly greater choice than New Zealand's small property sector. 

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Information & Tools

Information & Tools

Blogs, calculators, documents and learning.

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Frequently Asked Questions

Your KiwiSaver and Managed Fund questions answered.

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Pathfinder Blog

Media and market commentary and investor education centre.

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Documents and Forms

Investor documents and fund updates.

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Performance

KiwiSaver and managed fund performance tables.

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Calculators

Calculate your savings, see how ethical our fund is and check your PIR.

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Information & Tools

Blogs, FAQs, documents and useful calculators 

Subscribe to our knowledge series on ethical investing

Sign up to our monthly market commentary or read the latest here

Blog & Knowledge Base

Our news, views and opinion here 

Ten good men and Ten awesome women - Part one

June is Men's Health Month. The more mental health is talked about, the more people can understand their own feelings and those of others.

By John Berry on | 3 min. read

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The dark side of not being green

Many want to stick with the status quo of a modern world completely dependent on fossil fuels. But this comes at a high cost.

By John Berry on | 3 min. read

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The good, the green, and the ugly

The key here is progress through innovation, changes in behaviour and new technology bringing constant improvements.

By John Berry on | 2 min. read

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Fossil fuel companies facing death spiral

For investors here’s the bottom line; if you don’t take carbon intensity into account in long-term investment decisions, you will lose.

By John Berry on | 3 min. read

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Pathfinder invests in mental health

Pathfinder joins ACC to invest in Sir John Kirwan's mental health app Mentemia

By Tamsyn Parker (NZ Herald) on | 3 min. read

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Giving is good - 2021 Charity updates

Your partnership with Pathfinder offers the unique opportunity to benefit from our growth because 20% of our management fee goes to the charities we've engaged with.

By John Berry on | 1 min. read

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Read more articles

Frequently Asked Questions

Your KiwiSaver and Managed Fund questions answered here 

What is your eligibility requirement for opening a managed fund?

Our Pathfinder managed funds are open to both New Zealand residents and non-residents, trusts and children.

Our digital form will guide you through the requirements. Please read through carefully and supplied the requested documentation. 

I have a KiwiSaver account, how do I set up a managed fund account?

Use the joining form on the website for managed funds. Even though you already have a KiwiSaver account with us, there are different regulations around managed funds and we require slightly different information from you.

It takes a few minutes to complete the form and a few working days for us to run our compliance checks and set up the account.

You will receive an email notification with payment instructions when your account is ready. 

Can I set up an account for a minor?

Yes. As you complete the online joining form, you will be asked for supporting documentation proving your relationship and additional information for guardians.  

How do I make a deposit into my managed fund?

Please pay into the following account using the references below. Be sure to note the correct code in the payment details to us. 

There is a minimum initial deposit of $5,000 but no minimum regular contribution required after that. It is up to you. 

  • Account Name: Pathfinder Account
  • Account Number: 03-0566-0224417-000
  • Particulars: Your Member Number PAMxxx
  • Code: see below for your Fund code
  • Reference: Your Surname

Fund codes

  • Pathfinder Global Water Fund: PGWF

  • Pathfinder Global Responsibility Fund: PGRF

  • Pathfinder Global Property Fund: PGPF

  • Pathfinder Ethical Trans-Tasman Fund: PETTF

  • Pathfinder Ethical Growth Fund: PEGF

Please note that from the time your funds are received, it takes 2-3 working days to price and invest. The entire process therefore can take 4-5 working days depending on bank processing times. ​

Should you need help, please contact our friendly Customer Service team.

How do I apply for first home withdrawal?

If you’ve been a member of KiwiSaver for three years, you may be able to withdraw some of your KiwiSaver savings to put towards purchasing your first home.

Usually, you can withdraw your contributions, your employer’s contributions, any government contributions, and all of the investment returns in your KiwiSaver account (provided you leave a minimum balance of $1,000).

If you have owned a house before, you may still qualify if the Minister of Housing considers that your financial situation, in terms of your income, assets and liabilities, is the same as what would be expected for a person who has never owned a home.

In this case, you need to get a certificate from Housing New Zealand  (now Kāinga Ora) verifying this.

What is the minimum contribution I need to make for your managed funds?

There is a minimum investment amount of $5,000 for the initial investment.  Once your account is set up, you're welcome to make regular or one-off payments at any time. Please use our online banking instructions. 

How can I pay into my Pathfinder KiwiSaver account?

Regular savings / contributions

  • You can invest by making regular payments, and change (or stop) the amount you save, at any time. You can do this via online banking using the information below. 

Lump-sum payment

  • You can make a lump sum payment into your account at any time using internet banking or Direct Debit.

Internet banking

  • Account Name: Pathfinder KiwiSaver Applications
  • Account Number: 01-1839-0934700-00
  • Particulars: your IRD Number
  • Code: your Unique Investor Number: ESGxxxxx
  • Reference: your Surname 

Frequently Asked Questions 

Documents

View and download these document packs 

alexis antoine lbIgR6AwLfw unsplash 1 Annual Report Pathfinder KiwiSaver Plan 2020
nicholas doherty pONBhDyOFoM unsplash v3 Ethical Investment Policy
bangyu wang o1Yao CAxEg unsplash Direct Debit Form
daniel j schwarz L50EwWmAY2w unsplash 1.copy Pathfinder KiwiSaver Plan Product Disclosure Statement
andrew coelho aL7SA1ASVdQ unsplash v3 Product Disclosure Statement (Ethical Growth Fund)
jaromir kavan vv oEGlN 4E unsplash Product Disclosure Statement

Downloadable Documents

Calculators

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Savings projection tool

See how much you could save by age 65 

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Ethical calculator

Find out what you're exposed to in your KiwiSaver

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Savings projections & ethical comparisons

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