MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Cove Car Insurance - Real Customer Reviews & Facts
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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1Cover vs Southern Cross vs AA Travel Insurance - Comparing Comprehensive Policies Side-by-Side

Compare 1Cover, Southern Cross, and AA Travel Insurance comprehensive policies side-by-side. Understand the benefits and coverage limits to decide on your next trip. Our guide helps you navigate the complexities of travel insurance and select the best policy for your needs.
Southern Cross Travel Insurance vs AA vs 1Cover
Updated 21 June 2023

Summary
  • Much confusion exists around what travel insurance policy to buy, what's best and what you need to be covered for.
  • Popular travel insurers favoured by New Zealanders include 1Cover, AA Travel Insurance and Southern Cross Travel Insurance.
  • In this comparison guide, we look at the pros and cons of each insurer's comprehensive policy and compare it to its competitors. 
  • The insurers listed are not the only options; many travel insurers use the same underwriters. This means all claims and processing are handled by the 'super insurer' rather than by the insurer you bought the policy from. The most notable exception is Southern Cross Travel Insurance, which doesn't use an underwriter but instead underwrites its policies (as outlined in their About Us section).
  • As a point of comparison, 1Cover is underwritten by Lloyd's (who also provides travel insurance policies for TINZ and Zoom), while AA Travel Insurance is underwritten by Allianz (who also provides travel insurance policies for AMP, Tower and World Care).

Our guide covers:
  • 1Cover vs Southern Cross vs AA Travel Insurance: Benefits and Cover Limits Compared
  • Best Policies and Our Conclusion
  • Frequently Asked Questions

Our Comparison Approach:
  • MoneyHub receives more emails about travel insurance than anything else on our website, and we're proud to be a trusted source of information to help New Zealanders decide what's best for them.
  • Our view is that comprehensive policies provide better value for money than medical-only or 'budget' versions, given the complexities arising while overseas. For example, if the airline loses your bags, medical and budget policies generally won't offer you any form of cover or benefits, which arguably weakens the policy's value for money.
  • Every policy has a benefits list and cover limit; the benefit is what you're covered for (e.g. cancellation of travel, medical costs), and the cover limit is the maximum you will receive.
  • Many New Zealanders have been caught out by not reading their policy's fine print and making claims that exceed the cover limit or are part of an event that isn't listed as a benefit. This is arguably why travel insurance has a reputation for being problematic when claiming and getting approved. Understanding what a policy covers is essential to buying the right one.
  • The benefits of the travel insurance policies below encompass a broad range of common travel risks. These include medical emergencies, trip interruptions or cancellations, personal liability, loss or damage of personal items, and additional services like rental car excess coverage and pet services. We focus on providing a list encompassing many of the primary areas of concern for most New Zealanders heading overseas.
  • However, it's also essential to remember that individual needs and risks can vary greatly depending on the specifics of your trip and personal circumstances.
  • For example, some travellers need specific coverage for high-risk activities such as snow sports, pre-existing medical conditions, or coverage for pregnancy. Others may need higher coverage limits depending on their destination or the value of the items they travel with.
  • Whatever you buy, please ensure the policy you choose fits your needs and thoroughly understand the terms.

Do you want to buy a policy? We suggest you enter your travel details using 1Cover, AA Travel Insurance and Southern Cross Travel Insurance to see the current pricing. All three insurers offer online quotes in less than a minute.

Video Summary: Dive into our brief video below. It highlights essential points to guide you in choosing the ideal policy for your trip

Southern Cross Travel Insurance vs AA vs 1Cover Coverage and Limits

1Cover vs Southern Cross vs AA Travel Insurance: Benefits and Cover Limits Compared

Our comparison assumes you're between 18-65 and don't have any pre-existing conditions. If you have specialist needs, our guides have further information:
  • Basic vs Comprehensive Travel Insurance
  • Over 70s Travel Insurance
  • Pre-Existing Medical Conditions Travel Insurance
  • Cruise Travel Insurance
  • Annual (Multi-Trip) Travel Insurance
  • Ski Travel Insurance
  • Domestic Travel Insurance
  • Pregnancy Travel Insurance

Our 1Cover vs Southern Cross vs AA Travel Insurance policy comparison look at two key benefit areas:
  1. Medical, Travel Disruption, Baggage and Other Essential Benefits and
  2. Life, Income and Personal Liability Benefits

Do you want to buy a policy? We suggest you enter your travel details using 1Cover, AA Travel Insurance and Southern Cross Travel Insurance to see the current pricing. All three insurers offer online quotes in less than a minute.

1. Medical, Travel Disruption, Baggage and Other Essential Benefits

Medical Costs
  • Southern Cross: Unlimited
  • 1Cover: Unlimited
  • AA Travel Insurance: Unlimited

Our View: Medical costs can be extremely high overseas, and when it goes wrong, not having travel insurance can be a matter of life, death or a huge debt. These are the situations you read about in Stuff.co.nz and NZHerald, which usually include links to a givealittle page when there's no travel insurance. A travel insurance policy offering unlimited medical costs coverage can provide significant peace of mind. This covers hospital charges, medication, treatments, and even medical evacuation back to New Zealand if necessary. With a medivac from Samoa costing $100,000+ and surgeries in the USA in excess of $250,000, "unlimited" medical expenses provides the best type of travel insurance cover. 

Cancelling or Changing Your Journey Before You Leave
  • Southern Cross: $2,500+ (higher cover needs to be bought as an add-on)
  • 1Cover: Unlimited
  • AA Travel Insurance: Unlimited

Our View: Travel plans can often change unexpectedly for various reasons - don't underestimate how common it is to get ill and cancel a trip altogether. A policy that covers cancellation or change costs can protect you from substantial financial loss - airfares out of New Zealand are expensive and rarely refundable if you cancel. A cancellation benefit is particularly crucial in times of uncertainty and general bugs going around New Zealand that can force you to cancel, and the cover starts as soon as you buy the policy.  

Emergency Dental Treatment
  • Southern Cross: $2,000 per paying person
  • 1Cover: $1,000 per adult
  • AA Travel Insurance: Emergency Dental Treatment – Pain Relief Only $1,000, as a result of an Injury $3,000

Our View: Dental emergencies can occur anytime and lead to substantial out-of-pocket costs; travellers often overlook this benefit, but it steps in when a dental issue derails your travel. The cover levels have a relatively low cap (compared to medical), but they're designed to insure you for treatment for sudden pain and emergency dental treatments.

Cash Allowance While in Hospital
  • Southern Cross NZ: $100 for each complete 24-hour period, up to $3,000 per paying person
  • 1Cover: Hospital cash allowance up to $5,000
  • AA Travel Insurance: Incidental Hospital Expenses $4,000

Our View: A cash allowance while in hospital can assist with non-medical costs, such as additional transport or communication charges, which can add up when hospitalised overseas. This cover can ease the financial burden during a stressful time when you're undergoing medical treatments. 

Changes to Your Journey Once You've Left
  • Southern Cross NZ: Up to $50,000 per paying person
  • 1Cover: Additional accommodation and travel expenses up to $50,000
  • AA Travel Insurance: Resumption of Travel $10,000

Our View: Travel disruption can often result in extra expenses due to changes in accommodation and transport arrangements that must be booked at short notice. A policy that covers these costs can help to keep your trip on track and reduce stress.

Baggage and Personal Items
  • Southern Cross NZ: Up to $25,000
  • 1Cover: Up to $15,000
  • AA Travel Insurance: Up to $30,000

Our View: Lost, stolen or damaged baggage and personal items can be a major travel inconvenience and expense. However, all insurers have 'sub limits', meaning each item has a cover cap (e.g. $1,500 etc.) unless specifically listed and/or insured as an add-on. Our view is that it's best to travel with lower-value items, but that does not apply to everyone, so if you need something on your trip, it's essential to ensure the items are specified. You'll need to buy extra cover if there's an insufficient standard limit.  

Cash, Bank Cards, Travel Documents, and Passports
  • Southern Cross NZ: Up to $1,000 per paying person (Cash up to $500)
  • 1Cover: Credit card fraud & replacement up to $5,000, theft of cash up to $250
  • AA Travel Insurance: Travel Documents $3,000, Personal Money $500

Our View: A policy that covers coverage for the loss or theft of cash, bank cards, travel documents, and passports is essential. Replacing these can be a costly and complex process. This benefit can mitigate the financial impact of such a situation.

Rental Vehicle Excess
  • Southern Cross NZ: $10,000 per paying person
  • 1Cover: $5,000
  • AA Travel Insurance: $6,000

Our View: Rental vehicle excess cover can save you from paying the excess charge (equivalent to at least NZ$4,000+) in case of an accident or damage to the rental vehicle, whether or not you're at fault. This benefit can save you significant money should you not take out your car hire company's excess buy-out option. For more information on how this works, our guide to car rentals explains your options.

Pet Services
  • Southern Cross NZ: $100 for each day, up to $1,000 per paying person
  • 1Cover: Domestic pets up to $500
  • AA Travel Insurance: Not covered

Our View: If you're travelling with pets, or leaving them at home, having cover for pet-related services can be beneficial. This can include costs related to pet care if your return home is delayed.

Do you want to buy a policy? We suggest you enter your travel details using 1Cover, AA Travel Insurance and Southern Cross Travel Insurance to see the current pricing. All three insurers offer online quotes in less than a minute.

2. Life, Income and Personal Liability Benefits

Life benefits generally cover serious events like accidental death, permanent disability, or severe injury, while personal liability benefits offer coverage if you are legally responsible for accidental injury or damage to another person or their property during your trip. 

While not commonly claimed by New Zealanders overseas, these are crucial aspects of any travel insurance policy as they can provide financial support and protection in extreme circumstances. 

Personal Accident
  • Southern Cross NZ: Up to $50,000 per injured or deceased paying person
  • 1Cover: Accidental death up to $25,000, permanent disability up to $25,000
  • AA Travel Insurance: Accidental Death or Permanent Disablement $50,000

Our View: Personal accident cover provides a lump sum payment in the event of serious injury or death. This can be a significant help to you or your family during a distressing time.

Loss of Income
  • Southern Cross NZ: Up to $6,500 per injured paying person ($500 for each week)
  • 1Cover: Up to $10,400
  • AA Travel Insurance: Not covered

Our View: If an injury during your trip prevents you from working once you return home, loss of income coverage can help offset your financial loss. Not all policies offer this, so consider whether it's important for your circumstances. If you already have income protection insurance, this will also provide benefits. 

Personal Liability
  • Southern Cross NZ: $1,000,000 per paying person
  • 1Cover: $5 million
  • AA Travel Insurance: $2,500,000

Our View: Personal liability cover is essential in case you're found legally liable for accidental injury or damage you may cause to another person or their property. This can protect you from potential lawsuits and large payouts.

Southern Cross Travel Insurance vs AA vs 1Cover Best Policies

Best Policies and Our Conclusion

Choosing between 1Cover, AA Travel Insurance, and Southern Cross Travel Insurance can be challenging due to their distinct offerings and areas of focus. However, all three provide robust and reliable cover, offering peace of mind during travel.

Overall:
  • 1Cover stands out with its high coverage limits and comprehensive policy for personal liability and rental vehicle excess.
  • Southern Cross' self-underwriting model can lead to more seamless claim processes. However, depending on your travel costs, their cancellation cover may need a top-up. 
  • AA Travel Insurance, underwritten by Allianz, brings strong industry backing and substantial coverage for baggage and personal items.
  • However, the best travel insurance policy depends entirely on your circumstances, travel plans, and the specific risks you want to cover. No single policy suits everyone. Remember to consider all your travel needs, including potential changes in plans, the value of your belongings, medical cover, potential rental car usage, and possible personal liability scenarios.
  • Also, bear in mind the importance of understanding the specific terms and conditions of the chosen policy. Ensure the policy covers all your needs and that you are well aware of the claim process should an unforeseen event occur during your travels.

Buying a Policy with Confidence:
  1. Understand your travel needs and risk exposure.
  2. Compare the different policies and benefits - start with 1Cover, AA Travel Insurance and Southern Cross Travel Insurance to compare the pricing.
  3. Read the policy wording for all potential policies carefully.
  4. Consider the insurer's reputation, customer reviews, and claim handling process.
  5. Take time to decide – there's no need to rush, although cancellation cover will come into force from the day you purchase the policy. 

Important:
  • No matter which provider you choose, the right travel insurance policy will give you peace of mind to enjoy your travels to the fullest.
  • If you have any questions or suggestions to improve our travel insurance research, please contact our research team.

Do you want to buy a policy? We suggest you enter your travel details using 1Cover, AA Travel Insurance and Southern Cross Travel Insurance to see the current pricing. All three insurers offer online quotes in less than a minute.

Southern Cross Travel Insurance vs AA vs 1Cover Best Policies FAQs

Frequently Asked Questions

The information below is general in nature - each insurer's policy differs in the specifics of what is covered and the process for claims. Always read the policy wording for each insurer before making a decision, and ask the insurer to explain anything you don't understand.

How do I get a quote for 1Cover, Southern Cross or AA Travel Insurance?

For all three providers, you can get a quote online by visiting their official websites. You'll need to provide details about your trip, such as the destination, duration, and the travellers' ages.

Are there age restrictions for these insurance providers?

Yes, there may be age restrictions depending on the provider and the type of insurance. Check each insurer's policy documents for specific age requirements.

Are pre-existing medical conditions covered under these insurers?

Each insurer has a different approach to pre-existing medical conditions. 1Cover, for example, automatically covers a range of conditions, while others may require an assessment. Southern Cross covers some conditions automatically and others with an additional premium. AA Travel Insurance also covers certain pre-existing conditions but may require a medical assessment for others. Always disclose pre-existing conditions to your insurer to ensure proper coverage.

Can I extend my policy if I decide to travel longer?

Typically, you can extend your policy with 1Cover, Southern Cross and AA Travel Insurance as long as you request the extension before your original policy expires and meet their criteria. Note that terms and conditions apply; not all extensions may be granted.

What happens if I need to cancel my policy?

Each provider has a cooling-off period during which you can cancel your policy and receive a full refund, provided you haven't started your journey and don't intend to make a claim or exercise any other right under the policy. For 1Cover and Southern Cross, this period is 14 days per their website, while  AA Travel Insurance's 14-day cooling off period is outlined in their policy wording.

What's the process for making a claim?

All three insurers offer an online claims process through their respective websites. You'll need to provide supporting documentation like medical reports, receipts, or police reports. Making a claim as soon as possible following the incident is essential - you can see how to do this for 1Cover, AA Travel Insurance and Southern Cross Travel Insurance.

Are adventurous activities covered?

Coverage for adventurous activities varies among insurers and may not be included as standard. For example, 1Cover provides a list of activities covered in their policy, while Southern Cross and AA Travel Insurance may require additional coverage or exclude certain high-risk activities. Always check the policy to confirm what activities are covered before participating.

Are valuables such as electronics, jewellery, or cameras covered?

Yes, these insurers typically provide some level of cover for personal items and valuables. However, there is usually a limit per item and overall. Also, high-value items may need to be declared separately, and an additional premium may be required. It's advisable to check the specific policy terms for each insurer for exact coverage and consider buying extra cover if it's available.

Does the policy cover travel disruption due to natural disasters?

Yes - 1Cover, AA Travel Insurance, and Southern Cross cover travel disruption due to unforeseen natural disasters. However, the exact terms and coverage amounts can vary, and certain conditions may apply. Reviewing the policy documents for detailed information is recommended.

What if I need to return to New Zealand earlier than planned?

If you need to return home earlier than planned due to a covered reason (such as a medical emergency or death in the family), these insurers generally provide cover for the additional cost of your return journey. In such situations, contact your insurer as soon as possible.

What happens if I have a complaint about my policy or claim?

All three insurers have a formal complaints process. If you have a complaint about your policy or a claim, you should first contact the insurer directly. If you're unsatisfied with their response, you can escalate your complaint to a higher authority like the Insurance & Financial Services Ombudsman (IFSO) in New Zealand.

Remember, when buying travel insurance, it's crucial to read the policy documents thoroughly and ask the insurer if you're unsure about any aspects of your cover.

Do you want to buy a policy? We suggest you enter your travel details using 1Cover, AA Travel Insurance and Southern Cross Travel Insurance to see the current pricing. All three insurers offer online quotes in less than a minute.

Travel Insurance Comparisons:
  • Compare Travel Insurance
  • Basic vs Comprehensive Travel Insurance
  • Over 70s Travel Insurance
  • Pre-Existing Medical Conditions Travel Insurance
  • Cruise Travel Insurance
  • Annual (Multi-Trip) Travel Insurance
  • Ski Travel Insurance
  • Domestic Travel Insurance
  • Pregnancy Travel Insurance
  • Travel Insurers Directory
  • Travel Insurance Glossary

Essential Resources
  • Claiming on Travel Insurance
  • Do I Need Travel Insurance?
  • Travel Insurance Excess Explained
  • ACC vs Travel Insurance
  • Health Insurance vs Travel Insurance
  • Travel Packing List
  • How to Renew a New Zealand Passport
  • What is TAANZ?
  • Australia NZ Reciprocal Health Care Agreement

Travel Insurer Reviews
  • 1Cover Travel Insurance
  • AA Travel Insurance
  • AMI Travel Insurance
  • Cover-More Travel Insurance
  • Southern Cross Travel Insurance
  • Tower Travel Insurance
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    • Credit Scores & Interest Rates
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Compare Pet Insurance
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    • Students Insurance
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      • Health Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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        • Qantas Credit Cards
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        • RewardPay Review
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    • Guides
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    • Travel Money By Country
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  • Banking & Savings
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      • Depositor Compensation Scheme (DCS) Explained
    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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      • What is the OCR?
    • Alternative Mortgage Options
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      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Selling a Home
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      • NZCB Review
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  • KiwiSaver
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      • KiwiSaver Must-Know Facts
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      • What's My PIR?
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    • KiwiSaver Calculators
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Electric Vehicle Power Plans
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
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      • Stealth Wealth
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      • Dental Costs
      • Charities in New Zealand
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
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      • Financial Freedom by 50
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      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
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      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
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      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
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      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
        • Nielsen Online (Computer & Mobile Panel) Review
        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
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      • Black Friday New Zealand Deals
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Mattresses
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      • Best Ride-On Lawn Mowers
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      • Best Meat Thermometers
      • Best Printers
      • Best Computer Desks
      • Best Antivirus, Anti-Malware and Internet Safety Habits
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      • Best Wifi Extenders
      • Best Electric Scooters
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