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Simplicity vs Milford KiwiSaver
Comparing Simplicity's low-cost index approach against Milford's active management. Which delivers better value for New Zealand investors?
Key Differences
- Simplicity charges fees under 0.25% pa; Milford's active funds charge 0.85–1.1% pa
- Milford uses active stock-picking; Simplicity tracks global indices passively
- Milford has historically delivered strong returns in growth periods
- Simplicity's non-profit structure means profits go to charity
Our Take
Both are highly regarded. Choose Simplicity for lowest-cost passive investing. Choose Milford if you believe active management can justify the higher fee.
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