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

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

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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Pathfinder KiwiSaver Plan

As well as focusing on generating great returns for our investors, we support our family of 17 charities by providing long-term sustainable and passive income. Learn more here. 

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Our commitment to climate change


Below zero carbon-negative KiwiSaver funds 

This year Pathfinder's KiwiSaver funds will not only be carbon neutral, but we'll also be carbon negative i.e. we will remove more CO2 from the atmosphere than our share of emissions for companies we invest in.  Find out more here.

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Our KiwiSaver Fund Types

 A smart choice for the environment and finances.  See our performance page for more. 

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Growth Fund    

Ethical investing to achieve medium to high returns with a higher risk exposure.

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Balanced Fund    

Ethical investing to achieve medium returns with medium risk exposure.

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Conservative Fund

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

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Compare Our Funds

What fund type is best for you? It’s a personal decision to identify the fund that is correct for you – Growth, Balanced or Conservative.

Growth Fund     Balanced Fund Conservative Fund
Return focus     Medium to high     Medium Modest
Risk focus     Higher Medium Lower
Likely fluctuation in value     More than the Balanced or Conservative Funds     More than Conservative Fund but less than Growth Fund Less than both the Growth Fund and Balanced Fund
Minimum suggested time frame     10+ years (long term)     5+ years  3+ years
Estimated annual fund fees 1.29% p.a.     1.14% p.a.     0.84% p.a.

You may be interested to know that based on recent KiwiSaver Scheme data, less than one in ten people actively choose a Conservative Fund. This may be preferred for people with a shorter time horizon, or low tolerance for risk, but more than nine in ten people actively choose Growth or Balanced funds.

In addition to our management fee, an annual administration fee of $27 is also charged (except for balances below $1,000).

KiwiSaver Fund Performance

Click on the Fund to see the unit pricing changes and performance since inception.

Our Product Disclosure Statements (PDS) contain information to help you decide whether to invest in our funds. We review and update it regularly. Our latest PDS dated 22 March 2021 for the Pathfinder KiwiSaver Plan and  replacement PDS dated 15 July 2019 have been lodged with the Registrar and are available to download here  or on request. Units in the Funds are issued by Pathfinder Asset Management Limited.

Our KIWISAVER FUNDS In the press

This is going to make good money for our investors, but it’s also good for the planet, and for our communities. There is such a need for affordable housing in New Zealand.
Pathfinder CEO John Berry
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