Why choose the MAS KiwiSaver Scheme?
Hands-on investment management
Our active approach to investing aims to outperform the market and deliver higher returns for your KiwiSaver account.
Advice when you need it
Our range of tools and nationwide network of MAS Advisers are here to help you enhance your wealth and create the financial future you want.
100% owned by our members
We're a New Zealand owned mutual that's here for our members, not overseas shareholders. When you join us, you become one of our owners.
Grow your MAS KiwiSaver Scheme account with every purchase 
Feijoa is the smart, simple app that helps turn small change into big savings. It rounds up your everyday spending to the nearest $1, $2 or $5 and saves the difference directly into your account in the MAS KiwiSaver Scheme. And as a MAS KiwiSaver Scheme member, you get unlimited access at no additional cost, making effortless saving truly effortless.
Resilience and consistency in the long term
The MAS KiwiSaver Scheme Growth and Balanced Funds were ranked number one in their respective categories for 1-year returns in the Melville Jessup-Weaver survey to 30 June 2026. For returns over 10 years, both funds ranked second-place among KiwiSaver providers nationwide. Market conditions are always changing, but consistently delivering strong outcomes over time is what matter most.
Choose from a diverse range of funds
Everyone has different goals and circumstances. That's why the MAS KiwiSaver Scheme offers 7 funds for you to choose from, so you can find a fund that meets your needs.
Cash Fund
Suits those who require an investment with very low volatility.
No minimum suggested timeframe.
Risk indicator: 1
Conservative Fund
Suits those who accept a smaller level of risk to potentially achieve a more stable return.
Min. suggested timeframe: 3 Years
Risk indicator: 3
Moderate Fund
Suits those who accept some risk to potentially achieve a moderate return.
Min. suggested timeframe: 4 Years
Risk indicator: 4
Balanced Fund
Suits those who accept a medium level of risk to potentially achieve a medium return.
Min. suggested timeframe: 6 Years
Risk indicator: 4
Growth Fund
Suits those who accept a high level of risk to potentially achieve a high return.
Min. suggested timeframe: 9 Years
Risk indicator: 4
Aggressive Fund
Suits those who accept a higher level of risk to potentially achieve a higher return.
Min. suggested timeframe: 11 Years
Risk indicator: 5
We aim to outperform
The long-term performance of your investment funds makes a big difference to growing your savings, which is why we take an active investment approach.
Invest in the future you want
Whether you’re saving for your first home or retirement, we can help you get there by investing your money actively and responsibly.
Easy account management
It’s easy to manage your account with our MAS Investor Portal. You can see your balance, switch Funds, update your details and more.
Useful links
You can access the latest Investment Information, including quarterly fund updates which provide a detailed overview of performance fees, asset mix and key holdings for each fund.
Medical Funds Management Limited is the issuer and manager of the MAS KiwiSaver Scheme, MAS Retirement Savings Scheme, and MAS Investment Funds. The Product Disclosure Statements are available at MAS KiwiSaver Scheme PDS, MAS Retirement Savings Scheme PDS, and MAS Investment Funds PDS.
MAS is a licensed financial advice provider. Our financial advice disclosure statement is available by visiting mas.co.nz or by calling 0800 800 627.