Make the Ethical KiwiSaver Switch - NZAVS Make the Ethical KiwiSaver Switch | NZAVS
Make the Ethical KiwiSaver Switch

Make the Ethical KiwiSaver Switch

Make sure that you aren't inadvertently funding animal testing with your KiwiSaver!

The main KiwiSaver plans invest in some of the biggest animal testing companies in the world, including Colgate-Palmolive, Johnson & Johnson, L'Oreal, Procter & Gamble, and Unilever.

According to the Mindful Money Annual Survey, 85% of Kiwis think it’s important not to invest in animal testing.Yet over $2.5 billion dollars of KiwiSaver funds are invested in companies that test their products on animals for non-pharmaceutical use.


What you can do 

  1. You can easily check what your KiwiSaver is invested in via the Mindful Money website
  1. Make the ethical KiwiSaver switch! There are now two options available that have animal testing exclusions:
  • Pathfinder
  • Booster



Pathfinder is an award-winning ethical KiwiSaver plan that strives to avoid companies and/or industries causing environmental or social harm, including cruelty to animals, factory farming, or other forms of animal exploitation.

Pathfinder aims to avoid investing in any company involved in animal testing. This includes companies that test for consumer products (i.e., cosmetics) and pharmaceutical purposes. Find out more here



Booster does not invest in animal testing on non-medical products (i.e. cosmetics), specifically, they don’t invest in companies deriving 5% or more revenue from the manufacture of non-medical products that are tested on animals.

View their Approach to Responsible Investing Policy here


Making the switch

Our favourite KiwiSaver plan is Pathfinder (due to how strict their animal testing policy is) and it's really easy to switch your KiwiSaver plan to Pathfinder:

1. Go to the Pathfinder website to read more

2. Fill out the form. You will need your IRD number as well as a passport or driving license.


Pathfinder donates 20% of their fees to charities and NZAVS is an official registered charity partner of Pathfinder so you can choose us to support when you make the switch!



Please get in touch with the team at NZAVS if you'd like help making the switch:


Commonly asked questions:

Q. How does my current provider stack up regarding investments in companies involved with animal testing?

A: Mindful Money is an independent charity on a mission to bring transparency to investing. You can visit their Fund Checker to see what your current KiwiSaver is investing in on your behalf, areas of concern can include animal cruelty, human rights abuses, weapons and fossil fuels.

If your provider is not on this list, go to MindfulMoney, an independent entity with all providers. 

Q. Will switching to Pathfinder impact my returns?

A. The team at Pathfinder aims to show that you don't have to choose between investing your money ethically and getting good returns - they would like you to have both! While past performance is not a guarantee of future returns, their three-year returns have been stellar and as an active manager, they strive to continually make investment decisions that grow your wealth and community well-being. Learn more about Pathfinder’s top-ranking returns here.

Q. But Pathfinder supports 'Forest & Bird', and they are not aligned with my values.

A. When you sign up for Pathfinder, you will be able to select a charity that you wish to support. So it is totally up to you to support Forest & Bird or not. At the end of every year, Pathfinder takes 20% of its Management Fee and donates this to the charity you’ve selected. 

Q. Is Pathfinder Vegan?

A. While Pathfinder has policies around animal testing, factory farming, whaling, live exports and the use of animals for entertainment, it isn’t strictly 100% vegan.

For example, they don’t invest in factory farming, but they also don’t avoid investing in companies making products from wool - for example, WoolAid (who make wool bandages). You can find out more here.

Q. Is it exactly the same as KiwiSaver in terms of government contribution?

A. Yes. "To help you save, the Government will make an annual contribution to your account as long as you meet these conditions:

  • be over 18 and under 65, and
  • have been in any KiwiSaver scheme for at least 12 months, and
  • live in New Zealand, and
  • have paid at least $1,042.86 (just over $20 a week) into your KiwiSaver account between July 1st and June 30th the following year.

Note that your employer contributions don’t count; it is what you have paid that matters.

If you contribute less than $1,042.86 from your pay, you can make a voluntary contribution to top up your account to qualify for the Government contribution.





Legal Disclaimer: Pathfinder Asset Management Limited is the issuer of the Pathfinder KiwiSaver Plan. A product Disclosure Statement for the offer is available at 0% animal testing data from Mindful Money Check and Compare