Why Simplicity?
Investing with purpose
We invest so members profit, and help with some of the biggest issues facing Aotearoa.
Low, low fees
As a nonprofit, we aim for the lowest possible fees.
Ethically invested
All our funds are ethically invested. It's the right thing to do.
Paying it forward
15% of our fees go to great Kiwi charities. Over $14 million donated so far %)
Our products
KiwiSaver
Switch in minutes. Grab your IRD number and driver’s licence or passport. We’ll do the rest. Simple %)
Investment Funds
Same low fees as our KiwiSaver funds, with full access to your money at any time. Sign up in minutes.
First Home Loans
Our 4.20% floating rate (with no early repayment fees) means our members can get out of debt faster.
Inside our app
An intuitive, friendly platform where you're in control. Easily manage your investments and KiwiSaver, access tools, and plan for a brighter financial future, all in one convenient place. Join our 196,847 satisfied members who embrace the simplicity of managing their financial journey with ease.
Fast, secure login
Log in quickly and securely with Face ID, fingerprint login, or passkeys.
Your accounts at a glance
One central login can give you access to your KiwiSaver, Investment Funds or Home Loans, and any child accounts.
Track your performance
See your returns for each fund over time with simple graphs, percentage performance, and easy-to-use filters.
Forecasting tools
See how different fund types and contributions will impact your projected returns.
Trusted by thousands.
We’re proud to manage over $11.8 billion on behalf of 196,847 members across New Zealand, including members acquired as a Government appointed KiwiSaver default provider.
196,847
Members
For all Simplicity KiwiSaver and Investment funds, including KiwiSaver default members, as at 17/07/2026.
$11.8 billion
Funds under management
Research Hub
The Research Hub is a new initiative aimed at advancing policies for a fairer, more resilient New Zealand economy. Led by respected Kiwi economist Shamubeel Eaqub, alongside economist and policy expert Rosie Collins, the Hub will focus on KiwiSaver, housing, infrastructure, and capital markets—key areas aligning with Simplicity’s mission and investment priorities as a fund manager.
“We believe KiwiSaver is the most significant initiative, from any political party, in the last 20 years. It will help shape New Zealand, and getting the best out of the hundreds of billions Kiwis will save in KiwiSaver is going to be critical for our future.”
How we invest for a future better Aotearoa.
Most of the money we manage is invested passively in local and global financial markets. And we believe that our local knowledge and long term focus allows us to make members money and help solve some the biggest problems facing Aotearoa.
Simplicity Living
Simplicity Living builds and rents quality homes. Their long-term goal is for 10,000+ nationwide.
First Home Mortgages
We provide loans to members buying their first home across NZ, with a low, low floating rate.
Community Housing
We invest in community housing bonds, so more Kiwis can get the homes they deserve.
Homegrown startups
Via Icehouse Ventures, we’re invested in over 60 startup companies. It’s a chance for our members to benefit from Kiwi success stories.
Private / Family Companies
We invest in successful privately owned Kiwi companies. Our members profit and the companies benefit from a patient Kiwi shareholder.
Listed Shares and Bonds
We invest in New Zealand's largest listed companies and government / local authority bonds.
What our members say
We have 196,847 members for a reason, we love helping them.
It is important to me to use what money I have to support potential social justice projects. Not only has Simplicity achieved this, they have done it and helped my savings grow quite significantly. What's not to love! I am also impressed by their clear and frequent communication and the quality of their web based info. I love their transparency and feel in control of my money.
Jan Flinn
Simplicity’s message resonated with me. A simple approach, focusing on using passively managed funds and ethical investing, kiwi owned and operated and with low fees. What's not to love and the returns consistently speak for themselves. It's great to be able to support a company doing the right thing and doing it well!
John O'Hara
I have loved being a part of Simplicity from the minute I joined. What is better than kiwis helping kiwis? Feel especially proud when details of the donations are released (such as the recent flood responses). Kia kaha Simplicity!
Paul Jamieson
Useful stuff
Help Center
Answers to all our members' most common questions.
Tools and calculators
Understand the impact of your saving and investment decisions.
Learning centre
Checkout our classrooms or sign up your workplace for a talk.
News & media
All our latest news and views.
Minutes to join
Grab your IRD number and driver licence or passport, and fill in the form. We’ll do everything else %)