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Frequently asked questions

Kōura is a licensed KiwiSaver scheme regulated by the Financial Markets Authority. When you invest in the Kōura KiwiSaver Scheme, we (the manager) do not handle your money (apart from your fees). Your money goes into the Scheme’s bank account controlled by the Scheme’s Supervisor (Public Trust). Your money is then invested in shares and bonds that are owned by the Scheme and you become a member of the Scheme. 

We manage the Scheme for you (by investing your funds) and Public Trust ensures we are managing the Scheme’s investments in line with the rules and regulations set out in the Scheme documents. If for any reason Kōura were to run into difficulties, your investments would not be affected and the Scheme’s investments would be transferred to another manager. The risk of using Kōura as your KiwiSaver provider is the same as the risk of using any KiwiSaver provider- every provider has to report to the FMA and have a Supervisor.

You also need to remember that you are investing in the financial markets and there are no guarantees, so your KiwiSaver account balance will fluctuate over time. We mitigate market risk by diversifying investments both in New Zealand and internationally. The Kōura KiwiSaver scheme is invested in over 3,000 companies across over 50 different countries.


Go to the Kōura login page and click ‘Forgot password’. You’ll get an email with a link or code to update your password.

If you have any problems, feel free to email us.

We take our Anti-Money Laundering/Countering Financing of Terrorism responsibilities very seriously and as a result, have put in place robust processes and procedures so that Kōura can play its part in this important endeavour.

We have a number of checks and balances to ensure that we are making the right decisions. This includes verifying our members through cross-checking across a number of databases, including Inland Revenue.

Use the Kōura portal. After you sign up you will be given access to the Kōura portal where you can check your balances and your investment returns at any time. 

Create your Kōura portfolio now!

It's free to use the Kōura digital advice tool.

Every Kiwi has the right to a good retirement, so we want to make advice accessible to everyone – not only the wealthy or those willing to pay for financial advice. That’s why it’s completely free to use the Kōura advice tool.

If you do decide to sign up to a Kōura fund, you will pay the Kōura KiwiSaver Scheme fees. But at 0.63%, plus a $30 annual membership for anyone over 18, our fees are significantly lower than the market average.

Kōura charges an annual fund fee of 0.63% on our Core Funds and 1.1% on our Specialty Funds, this is excluding the facilitator fee of 0.3% (for clients who use the services of a facilitator).  The fee is based on your average account balance across your Kōura funds.  You will also pay an administration fee of $30 per year for anyone over 18 years old.   This administration fee is waived for members under 18 years of age.

The exact fees that you pay will depend on your own individual allocation of Kōura funds and account balance.

How are fees calculated on your annual member statement?

On your annual member statement, to calculate the dollar fees that you have been charged we use what is known as a 'cents per units' methodology.

Our investment management fee for our Core Funds of 0.63% per annum and our Specialty Funds management fee of 1.1% (excluding the facilitator fee of 0.3%, for clients who use the services of a facilitator), represents a small fraction of the daily unit price.

This small fraction is multiplied by your daily balance across your funds and the total of these amounts accumulated through the year is shown on your annual member statement against the heading "Management and Administration charges".

We also charge a membership fee of $2.50 per month.

Yes, Kōura has an App you can download from the App Store or on Google Play.

Use the Kōura KiwiSaver app to:

  • Quickly see your account balance
  • Control your investments across our 9 KiwiSaver funds
  • Receive updated portfolio recommendations based on your circumstances
  • View your transaction history and investment returns
  • Download your annual statements
  • Drill down to see where your funds are invested

Managing your future has never been easier. You will need to be a registered customer before you can access the Kōura KiwiSaver app.