Fees are payments made from your KiwiSaver account to KiwiSaver Providers for investing your KiwiSaver balance on your behalf.

But fees are only half the picture; the gains you make in your KiwiSaver account are returns less the fees you're charged by your Provider. So when we analyse funds, we don't just look for the lowest fees. We look for the highest consistent returns after fees.

Past returns aren't a guarantee of future success, and there are heaps of other factors we consider when recommending you a fund. These include your goals and risk tolerance, volatility, ethics and sustainability.

So to answer your question, we won't blindly switch you to the fund with the lowest fees. We'll switch you to a better one.

For more details, check out our White Paper.

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