Administration fee
A $3 monthly fee ($36 per year) applies to members aged 18 and over.
Fees
Like all KiwiSaver schemes, there are fees for investing in the Hive KiwiSaver Scheme. The performance figures shown on our website account for fees.
What the fees cover
Fees cover the day-to-day costs of running the scheme. They also include any servicing and advice fees we pay to your Financial Advice Provider, so you can get the advice you need, at no additional cost.
The fees you pay depend on which funds make up your Plan.
Our fees
Swipe horizontally to see all columns.
| Fund | Estimated* annual fund charges | Buy/sell spread (see notes below) |
|---|---|---|
| Hive Aurora Liquidity Fund | 0.40% | N/A |
| Hive Aurora Conservative Fund | 1.25% | 0.08% / 0.08% |
| Hive Harbour Balanced Fund | 1.40% | 0.05% / 0.06% |
| Hive Aurora Growth Fund | 1.50% | 0.08% / 0.08% |
| Hive Harbour Growth Fund | 1.50% | 0.05% / 0.06% |
| Hive Pie Growth Fund | 1.50% | N/A |
| Hive Pie Aggressive Fund | 1.60% | N/A |
| Hive Munro Global Growth Climate Leaders Fund | 1.60% | 0.15% / 0.15% |
| Hive Aurora Aggressive Fund | 1.60% | 0.08% / 0.08% |
*Part of our annual fund charge is an estimate covering variable costs and any performance fees charged within the underlying funds an investment manager invests in. These are our best estimates, based on information from those investment managers and their disclosure documents.
Goal-based strategies
Fees shown are indicative and depend on how investments are allocated across the underlying Hive Aurora funds. The RetirementPlus allocation and annual fund charge vary depending on age. Figures match the Hive KiwiSaver Scheme PDS.
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| Strategy | Indicative annual fund charge (estimate) | Indicative buy/sell spread |
|---|---|---|
| Aurora First Home Buyer StrategyCurrently invests in: 25% Hive Aurora Liquidity Fund, 75% Hive Aurora Conservative Fund | 1.04% | 0.06% / 0.06% |
| Aurora RetirementPlus StrategyCurrently invests in: Hive Aurora Conservative Fund and Hive Aurora Growth Fund | Varies depending on age | 0.08% / 0.08% |
RetirementPlus strategy
How your fund mix and indicative fee change with age
As the strategy moves from the Hive Aurora Growth Fund to the Hive Aurora Conservative Fund, its indicative annual fund charge gradually reduces.
Age 65
50% Growth · 50% Conservative
1.38%indicative annual charge
Hive Aurora Growth FundHive Aurora Conservative FundIndicative annual charge
Hover, tap, or use the left and right arrow keys to explore each age. The indicative charge is the weighted average of the current Growth and Conservative Fund charges shown above; those charges may change.
| Age | Hive Aurora Growth Fund | Hive Aurora Conservative Fund | Indicative annual fund charge |
|---|---|---|---|
| 50 | 100% | 0% | 1.50% |
| 51 | 97% | 3% | 1.49% |
| 52 | 94% | 6% | 1.48% |
| 53 | 91% | 9% | 1.48% |
| 54 | 88% | 12% | 1.47% |
| 55 | 85% | 15% | 1.46% |
| 56 | 82% | 18% | 1.46% |
| 57 | 79% | 21% | 1.45% |
| 58 | 76% | 24% | 1.44% |
| 59 | 73% | 27% | 1.43% |
| 60 | 70% | 30% | 1.42% |
| 61 | 66% | 34% | 1.42% |
| 62 | 62% | 38% | 1.40% |
| 63 | 58% | 42% | 1.40% |
| 64 | 54% | 46% | 1.39% |
| 65 | 50% | 50% | 1.38% |
| 66 | 46% | 54% | 1.37% |
| 67 | 42% | 58% | 1.35% |
| 68 | 38% | 62% | 1.35% |
| 69 | 34% | 66% | 1.33% |
| 70 | 30% | 70% | 1.32% |
| 71 | 27% | 73% | 1.32% |
| 72 | 24% | 76% | 1.31% |
| 73 | 21% | 79% | 1.30% |
| 74 | 18% | 82% | 1.29% |
| 75 | 15% | 85% | 1.29% |
| 76 | 12% | 88% | 1.28% |
| 77 | 9% | 91% | 1.27% |
| 78 | 6% | 94% | 1.26% |
| 79 | 5% | 95% | 1.26% |
| 80 | 5% | 95% | 1.26% |
Buy/sell spreads
Buy/sell spreads aren’t a fee — they cover the transaction costs of buying and selling assets. They’re designed to ensure these costs are only borne by members who are transacting, not by everyone in the fund. Spreads shown above are indicative and can change without notice.
More information
For more detailed information on fees, read the Hive KiwiSaver Scheme Product Disclosure Statement.
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