Think your bank’s “low fees” mean better results? The five-year data tells a different story. We pulled back the curtain on KiwiSaver performance after fees and found a consistent pattern: generalist bank funds often lag, while specialist providers deliver stronger net returns that compound meaningfully over time. Even more surprising, many of the weakest performers also score poorly on ethics, challenging the myth that looser screens automatically boost profits.We walk through how to assess your KiwiSaver with a clear, practical lens. Start by comparing like-for-like funds across conservative, balanced, growth, and high growth, then look at five-year net returns, not one-year snapshots. From there, consider sustainability as a real risk filter: businesses with sound governance, resilient models, and forward-looking practices tend to ride out shocks better. You also learn why one provider might thrive in growth but sit mid-pack in balanced, and how that nuance should shape your choice rather than a one-size-fits-all list.Default inertia keeps many savers in funds they never chose consciously. We break the convenience trap by showing how switching can happen in about an hour, and why paying slightly higher fees to a specialist can still leave you far ahead when net performance is stronger. The goal is simple: align your risk level with your time horizon and values, and pick a manager with the depth, focus, and transparency to back it up. Ready to find out if your provider belongs on the underperformers list and what a better fit could look like?Subscribe for more straight-talking money insights, share this with a friend stuck in a default fund, and leave a review to tell us which providers you want us to compare next.Send us a text Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

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