KiwiSaver members missing out on thousands by being in wrong fund 14 Apr, 2021 10:45 PM 4 minutes to read Figuring out which KiwiSaver fund is right for you can be a minefield. Photo / File KiwiSaver members are missing out on thousands of dollars by being in the wrong fund for them, research by a new digital advice service shows. A $10,000 investment in 2013 in the top-performing growth fund over the past seven years would be worth $21,719. Read More But the same investment in the bottom-performing conservative fund would be worth just $13,885. Joe Taylor, founder of BetterSaver, said there were a lot of people sitting in conservative default funds because they had never made an active choice.