OPINION: When you're looking to change your KiwiSaver provider, you should never choose a scheme just by looking for the lowest fees. Fees are important, you could save money over time, but this could be at the expense of the performance return you may receive. My recommendation is to look for an actively managed fund that charges you reasonable fees, not necessarily the lowest fees. And look for a fund that doesn't charge performance fees.
from
http://www.stuff.co.nz/business/money/86268872/The-truth-about-KiwiSaver-fees
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