Before we recommend any KiwiSaver fund, it goes through a rigorous, multi-layered due diligence process. Here is exactly how we evaluate every provider.
Why it Matters
There are over 30 KiwiSaver providers in New Zealand, each with dozens of fund options. The difference between the best and worst performing fund in the same category can be tens of thousands of dollars by retirement. At Venture, we spend hundreds of hours each year analysing, comparing, and monitoring the market so you never have to guess.
We use Morningstar, the world's leading investment research platform, to independently assess fund performance, fees, manager quality, and risk-adjusted returns across the full New Zealand KiwiSaver market. This gives us institutional-grade data to back every recommendation we make.
Our Framework
Every fund we recommend must pass all five pillars of our due diligence framework. If it does not meet our standards on any dimension, it does not make our recommended list.
The experience and capability of the investment team. Strong teams with clear decision-making deliver consistent results over market cycles.
The quality and culture of the parent organisation. We prefer firms that prioritise investors and have strong governance structures.
The investment strategy and methodology. We look for a clear, disciplined, and repeatable process for building and managing portfolios.
Long-term returns across different market environments. We assess whether a manager's process has genuinely delivered consistent results.
Fees matter significantly over time. We focus on net returns after all fees, because that is what ends up in your retirement account.
Ongoing Commitment
Our due diligence does not stop when we make a recommendation. Every fund on our approved list is continuously monitored and formally reassessed each year.
We screen all available funds against our 5 P's framework using Morningstar data. Only funds that meet our minimum standard on all five dimensions are considered for recommendation.
Once we know your age, goals, risk profile, and timeline, we match you with the specific fund within our approved list that best suits your individual situation.
Every fund we recommend is formally reviewed at least once a year. If a provider changes its team, strategy, or pricing or if performance deteriorates we reassess and may recommend a change.
If a fund we have recommended no longer meets our standards, we proactively reach out to affected clients to discuss alternatives. You are never left in an underperforming fund without knowing about it.
Book a free, no-obligation KiwiSaver review and find out whether your current fund makes our approved list.