KiwiSaver returns are the investment gains you get on your KiwiSaver money after fees and taxes. KiwiSaver returns vary depending on the provider and fund in which your KiwiSaver savings are invested with. KiwiSaver returns can be found and compared by using the data collated by Morningstar. It’s important to ensure that you do your research before selecting a KiwiSaver fund to invest in as even a small change in KiwiSaver returns can make a big difference to your retirement balance over the long run.