AE UNIT PRICES: AE Investor: USD $8.3197 AE KiwiSaver Plan: NZD $2.6167 as at 13 August 2026
Always Ethical
We believe that there’s a better way to invest – a way that’s better for humanity.
Do you ever wonder what sort of businesses your money is being invested in? Now you can be sure they’re the right ones with the Always Ethical Kiwisaver scheme.
Always Ethical is a leading ethical KiwiSaver provider as ranked by Mindful Money. It’s a well-designed investment fund, based on a strict ethical mandate to help you grow your long-term retirement savings according to “a better world” plan. At Always Ethical, we believe that being comfortable with what you’re invested in is one of the most important aspects of saving for your retirement. It’s an approach that helps ensure there will still be a “world to retire in”.
Choosing a KiwiSaver provider is one of the most significant financial decisions you’ll make. Being sure that your investment plan aligns with your values ensures your money is helping to build a future you can be proud of. As one of New Zealand’s dedicated ethical retirement fund providers, we designed the Always Ethical KiwisSaver scheme from the ground up to meet this need. That means you’re not just a number; you’re a partner in a movement for positive change, backed by a retirement fund that is actively managed for both principles and performance.
We don’t just believe it, we do it – with a KiwiSaver fund that delivers growth for people who care about a future that’s better in more ways than just the bottom line. It comes back to simple principles of fairness, and equality. It’s about things that are good for people, and the world we live in.
Help create the future that matters to you.
So what does ethical investment look like?
It comes back to simple principles of fairness, and equality. It’s about investing in things that are good for people and for the world we live in.
Our investments are limited to ordinary shares of global companies listed on the US stock exchanges with an investment target of up to 50 companies.
There’s a long, long list of things we don’t invest in.
In fact, it’d be easier to tell you what we do invest in, because standing for something means there’s not many companies that measure up – there are only 350 key stocks that fit our criteria. The upside being they have survived the test of time and are proven performers of the S&P500.
We can’t control the way businesses we have invested in, do business every day. But if they exceed 30% debt, act unethically or invest in ways that go against our beliefs we divest that stock. That’s not something that just happens by itself; we’re actively checking each stock we hold every day. Yes, every day.
If an investment has gone beyond our acceptable ethical thresholds, we immediately sell our position.
That’s the Always Ethical difference.
Meet Kiwis like you who care
Hear from people like you, and how choosing a provider with values is the right choice for their KiwiSaver.
Veronica
With everything we can’t control in the world it’s really great to be able to control where I’m investing.
Gary
Choosing an investment fund that is extremely ethical and stands for human rights, integrity and honesty is very important to me. This was one of my first priorities.
Bronwyn
Money should never just be about a transaction, there should be values and ethics wrapped around it.
Invest in a tomorrow
you believe in
All funds have good and bad years however, our long term performance shows that choosing an ethical investment plan doesn’t have to be a sacrifice.
Current Financial Year
1 April 2025 to 31 March 2026 – 22.28%
5 Year
1 April 2021 to 31 March 2026 – 7.47% per annum
Investment the
Always Ethical way
Learn more about what makes Always Ethical different.
In-House Stock Selection
Transparent, in-house stock selection allowing you to see where your money is invested any time on our website
Daily Ethical Checks
Ensuring daily, your investment aligns with our Strict Ethical Mandate ensuring your values are protected
Actively Managed Risk
A proactive approach to protecting your money in times of volatility
High Quality Low Debt Companies
Investing your money in strong future focused companies with less than 30% debt, providing greater financial stability
45% Increase in Membership
Our membership has grown by 45% over the last three years (31.03.2022-31.03.2025)
Good for Humanity
Investing your money in companies that make a difference for people and the planet
