Hive KiwiSaver Scheme
A multi-manager scheme that brings together smart technology and expert advice – giving you a KiwiSaver experience that's built around your goals.
Four carefully selected fund managers, each with their own style — more diversity and more choice all in one place.
From first home goals.
To long-term plans.
Make your first home possible
Use KiwiSaver to build your deposit and take that first step onto the property ladder.
Show me how
Plan for life after work
Wherever you are in life, growing your KiwiSaver balance now gives you more options later.
Start buildingExplore our investment options
Aurora CapitalTimeframe: 13+ years
Hive Aurora Aggressive Fund
A diversified option investing mainly in growth assets for investors seeking maximum long-term growth who are prepared for significant ups and downs along the way.
Pie FundsTimeframe: 10+ years
Hive Pie Aggressive Fund
A diversified, high-conviction option investing mainly in international and Australasian equities, for investors seeking strong long-term growth who are comfortable with ups and downs along the way.
MunroTimeframe: 5+ years
Hive Munro Global Growth Climate Leaders Fund
This fund invests in 15 to 25 global companies focused on decarbonisation, for investors seeking maximum long-term growth who are prepared for significant ups and downs along the way. Investment limits apply.
Aurora CapitalTimeframe: 10+ years
Hive Aurora Growth Fund
A diversified option investing mainly in Australasian and global equities and infrastructure, for investors seeking strong long-term growth who are comfortable with ups and downs along the way.
Pie FundsTimeframe: 7+ years
Hive Pie Growth Fund
A diversified, high-conviction option investing mainly in international and Australasian equities, for investors seeking strong long-term growth who are comfortable with ups and downs along the way.
HarbourTimeframe: 5+ years
Hive Harbour Growth Fund
A diversified option investing mainly in domestic and global shares, property and infrastructure, for investors seeking strong long-term growth who are comfortable with ups and downs along the way.
HarbourTimeframe: 5+ years
Hive Harbour Balanced Fund
A diversified option investing across domestic and global shares, property, infrastructure and bonds, for investors seeking a balance of growth and stability over the medium to long term who are comfortable with some ups and downs along the way.
Aurora CapitalTimeframe: 3+ years
Hive Aurora Conservative Fund
A diversified option investing mainly in bonds and cash, with some shares and infrastructure, for investors seeking relatively stable returns over the short to medium term.
Aurora CapitalTimeframe: Up to 1 year
Hive Aurora Liquidity Fund
Our lowest-risk option that invests in cash and cash-equivalent assets, for investors who want to minimise ups and downs for their savings or need short-term access to their money.
Aurora CapitalTimeframe: 1–3 years
Aurora First Home Buyer Strategy
A specialist strategy designed by Aurora Capital for members saving toward their first home in the next 1 to 3 years. Built from a mix of the Hive Aurora Conservative Fund and Hive Aurora Liquidity Fund. Invests mainly in bonds and cash with some shares and infrastructure.
Aurora CapitalTimeframe: Adjusts with age
Aurora RetirementPlus Strategy
Designed for members focused on retirement, this strategy aims to grow your savings steadily over the long term. It gradually reduces risk as you get closer to, and move through, retirement. No manual adjustments needed. Built from a mix of the Hive Aurora Growth Fund and Hive Aurora Conservative Fund, gradually shifting from growth assets toward income assets from age 51.
Need help deciding?
Our friendly Advisers can help you choose the right option based on your goals and timeframe.
Talk to an AdviserMore about our
Fund Managers
Explore the Hive KiwiSaver Scheme
First Home
Use your KiwiSaver savings towards your first home deposit.
Retirement
Your options for accessing and growing your savings from 65.
Government contribution
Up to $260.72 added to your balance each year, if you qualify.
Fees
What you pay, what it covers, and how it affects returns.
Forms & documents
The PDS, fund updates, and application forms in one place.
Insights and ideas to help you move forward
Education07/07/2026
Harnessing the power of compounding returns
Education30/06/2026
The KiwiSaver questions people ask every day — answered
Markets23/06/2026
Market noise or a sale on bricks? Navigating volatility together
Education18/06/2026
How does PIE tax work on your KiwiSaver account?
Expert advice, when you need it
You don't have to figure things out on your own. Connect with an Adviser who understands your goals and can help you make confident decisions along the way.
Talk to an AdviserLaunching soon
The Hive app is launching soon.
Download links will be added as soon as it is available.
Explore what’s coming