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
        • 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 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
        • 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
        • Investing Guide
        • 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 Wellington
          • Financial Advisers Christchurch
        • 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
      • 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
        • 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
      • 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
      • ANZ vs AMEX vs Kiwibank 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
    • 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
      • 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
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • 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
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • 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
  • 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
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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ASB KiwiSaver Scheme Review

Our guide to ASB KiwiSaver looks at the fund choices, fees and options available to KiwiSaver members

ASB kiwisaver review
​Updated 12 October 2021
Summary of ASB KiwiSaver
  • ASB KiwiSaver is New Zealand's second largest KiwiSaver scheme, with approximately 18% market share of the total KiwiSaver membership and $8+ billion under management. Close to 1 in 5 KiwiSaver members have chosen an ASB fund to invest in. 
  • ASB KiwiSaver offers five KiwiSaver funds, ranging from low-risk cash funds to high-risk growth funds. Other than the cash fund, none of the funds are actively managed - instead investments are made in indexes as defined by the fund's product disclosure statement. This keeps fees lower overall.
  • There are two types of fees; $2.50 per month is charged for being a member of the ASB KiwiSaver scheme, and once you start contributing to your fund, there is an annual management fee of between 0.34% and 0.64% of your investment balance.
  • There are no performance fees. Many KiwiSaver fund managers take a bite of any market-beating returns - ASB KiwiSaver does not.
  • Switching between any ASB KiwiSaver fund is free. There are no joining fees or exit fees if you take your money to another fund.
Pros & Cons
PROS
  • Five funds that offer a sliding scale of risk and return, clearly defined in investor statements
  • Significantly lower fees across the board for similarly structured funds offered by ANZ and Westpac
  • A significant range of underlying assets offering diversity in each fund; from cash, NZ government bonds and NZ corporate bonds to global equities, emerging market indicies and listed overseas property 
  • Top Growth fund performance after fees (among its peers) in the year to 30 June 2018
  • Up to date balances instantly available via the ASB Internet Banking website and/or ASB app.

CONS
  • No life/age program option, which moves your money into more conservative (i.e. less risky) funds as you get older as a way to protect your KiwiSaver balance.
  • Funds can invest in tobacco, despite publishing a responsible investment policy

Read this First: Fees, Performance and Understanding What's Best For Your Situation
A lot of media attention focuses on KiwiSaver fees, but this is only one thing to consider when picking the most suitable provider and fund for your retirement needs. We believe that being comfortable with what you're investing in is the most important aspect of saving for your retirement, not the fee you'll pay. 
​
Our Review 
In this guide, we outline what the ASB KiwiSaver scheme is, what funds they offer to KiwiSaver members and how they're different to other funds, as well as looking at alternatives and the level of fees involved.
 
Please note: MoneyHub is not a Financial Adviser, and this guide has been published to explain the investment fundamentals and outline the pros and cons of ASB KiwiSaver as a KiwiSaver investment option.
​
This Guide covers:
  • The Specs of ASB KiwiSaver Funds, Fees and Where Your Money Is Invested
  • ​ASB KiwiSaver Media Claims - What You Need To Know
  • Who is ASB KiwiSaver Suited to?
  • 9 Things To Know About ASB KiwiSaver
  • Conclusion​
ASB kiwisaver review

THE SPECS of the ASB KiwiSaver Funds, Fees and where your money is invested

  • ASB Group Investments Ltd, a fund manager, is the manager of the five ASB KiwiSaver funds.
  • Up-to-date fund performance data is available on the ASB KiwiSaver website.
  • Each of the five funds has a unique risk factor (1 = lowest, 7 = highest) and an annual management fee, as well as distinct investment profiles:​
​1: ASB NZ Cash Fund
This fund invests mainly in cash such as term deposits, fixed interest deposits and on-call bank accounts with New Zealand-registered banks.
  • Average annual return (pre-tax) since fund launch (2008): ~3%
  • Annual fee: 0.34%
  • Risk factor: 1
  • Expected annual return: 0.375% above the 90 day bank bill index (before management fees)

Investment Composition:
  • Cash and cash equivalents 100%

We say:  The NZ Cash Fund is the most conservative fund, investing only in New Zealand banks similar to how you would invest savings. The aim of the fund is keep the money safe and out of the sharemarket where returns could be negative. This is ASB KiwiSaver's least aggressive fund, with 100% of your money being invested in New Zealand banks holding high credit ratings. This fund historically offers the lowest fees and gives the lowest return.
​​
2: ASB Conservative Fund
This fund invests mainly in cash and cash equivalents, with a smaller exposure to growth assets (equities and listed property). If you have been enrolled into the ASB Default KiwiSaver Scheme, you’ll be put in the Conservative Fund. The Conservative Fund is intended as a temporary ‘parking space’ and may not be right for your investment needs.
  • Average annual return (pre-tax) since fund launch (2007): ~5.00%
  • Annual fee: 0.39%
  • Risk factor: 2
  • Expected annual return: 0.50% above the 90 day bank bill index (before management fees)

Investment Composition target:
  • Cash and cash equivalents: 15%
  • New Zealand Fixed interest: 22% 
  • International Fixed Interest: 43%
  • Australasian Equities: 9%
  • Global Equities: 11%

We say:  The ASB Conservative Fund is the second least aggressive fund, investing 80% of its money in income assets, such as New Zealand and international fixed interest with financial institutions and governments holding high credit ratings (for example, New Zealand, Australia, USA etc). There is a 20% exposure to growth assets, covering Australasia and established economies such as the UK, USA and Japan. The fund offers investors the prospect of a higher return when compared to the ASB NZ Cash fund, with a small 0.05% fee increase. 

3: ASB Moderate Fund
This fund invests 60% in income assets (cash and cash equivalents and fixed interest), and 40% in growth assets (equities and listed property).
  • Average annual return (pre-tax) since fund launch (2007): ~5.50%
  • Annual fee: 0.57%
  • Risk factor: 3
  • Expected annual return: 1.00% above the 90 day bank bill index (before management fees)

Investment Composition target:
  • Cash and cash equivalents: 9% 
  • NZ Government and Corporate Bonds: 21% 
  • Global Government Bonds: 30%
  • Listed Property: 2%
  • Australasian Equities: 19%
  • Global Equities: 19%

We say: The ASB Moderate Fund aims for moderate returns, but stays relatively risk-free by allocating 60% of the fund to safe, income-producing assets such as bank deposits and government bonds. 40% of the fund is invested in shares in global companies by way of index funds, with a 2% exposure to global property assets. 
​
4: ASB Balanced Fund
This fund invests 40% of its money in income assets (cash and cash equivalents and fixed interest) and 60% in growth assets (equities and listed property).
  • Average annual return (pre-tax) since fund launch (2007): ~6.00%
  • Annual fee: 0.61%
  • Risk factor: 3
  • Expected annual return: 1.50% above the 90 day bank bill index (before management fees)

Investment Composition target:
  • Cash and cash equivalents: 4% 
  • New Zealand Fixed interest: 15%
  • Global Government Bonds: 21% 
  • Listed Property: 5%
  • Australasian Equities: 29%
  • Global Equities and Emerging Markets: 26% 

We say: The ASB Balanced Fund is not entirely 'balanced' in terms of income vs growth investments, with 60% (rather than the normal 50%) of money being allocated to growth assets. The fund places weight on global government bonds (21%) and global sharemarkets (55%), meaning returns day to day will be up and down, but overall the fund expects positive returns in the long-term. The ASB suggests the minimum term of investment is six years.
​
5: ASB Growth Fund
This fund invests 80% of its money in growth assets (equities and listed property), with 20% exposure to income assets (cash and cash equivalents and fixed interest).
  • Average annual return (pre-tax) since fund launch (2007): ~6.00%
  • Annual fee: 0.64%
  • Risk factor: 4
  • Expected annual return: 2.00% above the 90 day bank bill index (before management fees)

Investment Composition target:
  • Cash and cash equivalents: 1% 
  • New Zealand Fixed interest: 6.50%
  • Global Government Bonds: 12.50%
  • Listed Property: 7.50%
  • Australasian Equities: 40%
  • Global Equities and Emerging Markets: 32.50% 

We say:  The ASB Growth Fund is the most aggressive ASB KiwiSaver fund, with 80% of money allocated to international growth assets and property. Only 1% of the fund is invested in cash, with 19% chasing high-interest fixed interest and bonds from government and companies with a good credit rating. Because of the investment profile, the value of the fund will go up and down on a daily basis. The Growth Fund is a long-term fund, with the ASB suggesting 11 years as the minimum investment period.  

​
ASB KiwiSaver Review

ASB KiwiSaver - WHAT YOU NEED TO KNOW

Claims made by ASB KiwiSaver

"We're experts at managing and investing your savings, so you can enjoy a better future"
AND
"Over 450,000 New Zealanders trust us with their KiwiSaver savings"


Is it true?
  • The claim of being 'experts' is subjective, due to the fact that the actual management of individual assets (other than cash investments) is outsourced to third parties.
  • In terms of size, the ASB runs the second largest KiwiSaver scheme by both member total and funds under management.

"Low fees means more of your money stays invested"


Is it true?
  • Yes, relative to the likes of similar schemes such as AMP, ANZ and Westpac. ​
​
What Others Are Saying - ASB KiwiSaver in the Media
"ASB's growth fund still had investments in two companies with "tobacco" in the name" suggesting that their responsible investment commitment is not completely free of 'unethical' assets.
- Diana Clement, NZ Herald, August 2018

"The difference (in return) between an ANZ balanced fund and ASB balanced fund is going to be minimal over time" which suggests that the ANZ and ASB have similar fund structures.
- Jenée Tibshraeny, Interest.co.nz, August 2018

"ASB  (is the second largest KiwiSaver scheme with investments of) $8.9 billion, followed by Westpac with $5.77 billion. Between ANZ, ASB, Westpac and BNZ, the four big banks manage nearly two-thirds of the money invested in KiwiSaver.​".
- Tamsyn Parker, NZ Herald, July 2018

"ANZ and ASB earned the biggest fee hauls of the bank KiwiSaver schemes in 2017" which is a result of the massive size of the ASB KiwiSaver scheme, holding around $9+ billion in assets.
- Rob Stock, Stuff.co.nz, August 2018
ASB KiwiSaver Review

Who is ASB KiwiSaver Suited To?

ASB proclaims its experience and proven history when it comes to KiwiSaver, and if you're looking for aggressive funds with fees lower than other established banks, the Balanced or Growth funds may meet your expectations. 
​
Standout Features:
  1. Low fees when compared to ANZ, AMP and Westpac KiwiSaver schemes for similarly structured funds.
  2. In a sample of five Growth funds offered by ANZ, AMP, SuperLife, Simplicity and the ASB, the ASB returned the highest pre-tax growth in the year to 30 June 2018. 
  3. It's free to change funds; the monthly membership fee means you can move between funds as often as you like.

Be aware:
  1. There is no life/age program option, which moves your money into more conservative (i.e. less risky) funds as you get older as a way to protect your KiwiSaver balance. This means you'll need to do it manually if you want to protect your KiwiSaver nest egg from market movements.
  2. As with any investment, markets go up and down. The Dotcom bubble in the early 2000s sank global sharemarkets, as did the 2008 Global Financial Crisis. While many global sharemarkets are now at record highs, this is no guarantee of future earnings.
  3. The default fund, the Conservative Fund, is probably not appropriate for most investors given its low exposure to shares and other growth investments.
  4. The scheme has pledged to be a responsible investor, but some funds continue to invest in tobacco products.​
The Bottom Line
  • Overall, ASB KiwiSaver charges individual fund fees well below the established banks who dominate the KiwiSaver market, specifically ANZ, Westpac and the BNZ.
  • However, fund fees are still above low-fee competitors such as Simplicity which offers a fixed 0.31% annual fund management fee. 
  • Depending on your KiwiSaver balance, other funds on other platforms can have cheaper management fees, with an example presented in the table below.
  • For example, the fee difference between the Simplicity Growth Fund (0.31%) and ASB Growth Fund (0.64%) for a $40,000 balance is 0.33% ($132 per year), or ~$3,300 over 25 years. In saying this, no two funds are directly comparable, so it's essential to shop around and compare fund objectives as well as fund fees if you're serious about having the biggest KiwiSaver nest-egg possible.
  • As an illustrative point, we have presented the annual performance of five growth funds below, as well as a table of their annual fees.
  • The are no joining fees, no exit fees, no performance fees and you can transfer between funds for free as many times as you want. 
  • Five of the six funds are passive funds, and follow and/or recreate a benchmark of a sharemarket index. This lowers the fees charged as there is no investment team trading in stocks and shares. 
  • In terms of risk, each fund has a risk number (1 = lowest, 7 = highest). Only the ASB Growth Fund is rated 4; the remainder of the funds are rated 2 or 3 (or 1 in the case of the ASB NZ Cash Fund), meaning that the funds are not following an aggressive growth strategy. 
ASB KiwiSaver Review

9 things to know about the ASB KiwiSaver scheme

ASB KiwiSaver Scheme NZ

ASB KiwiSaver is New Zealand's second largest KiwiSaver scheme

Bigger does not always mean best, but there is no denying the scale of the ASB KiwiSaver scheme - the five funds account for 18%+ of the total KiwiSaver market. This is due to their long history as a KiwiSaver scheme, the size of the ASB as a bank and the number of New Zealand companies picking ASB KiwiSaver as their default KiwiSaver scheme. As a result, close to 1 in 5 New Zealanders have their KiwiSaver with ASB.
​​
ASB KiwiSaver Scheme NZ

No matter what your employer's default KiwiSaver provider or fund is, you are entitled to select an ASB KiwiSaver fund

Your employer may offer another default KiwiSaver provider, but any KiwiSaver member has the right to pick any one of the 25+ providers and the fund they want. If you feel an ASB KiwiSaver fund is right for you, then you can either join (if you're new to KiwiSaver) or switch your existing fund to ASB. 
​
ASB KiwiSaver Scheme NZ

There is no minimum investment and it's easy to take contribution holidays

As an ASB KiwiSaver member, you'll pay the $2.50 monthly membership fee. This gives you the freedom to invest as you like. And if you want to contribute to your fund at a level above your fixed salary contribution, you can do this by contacting the client services team. 

ASB KiwiSaver Scheme NZ

Dividends your fund receives are reinvested, meaning more cash is invested on your behalf

Four of the five ASB KiwiSaver funds invest in shares, and many will pay dividends. These cash payments represent the profits from companies returning it to the shareholders, i.e. you. When a company declares a dividend, your fund will receive money and it is re-invested into more shares, growing the value of your fund. Despite being a cash payment, and as is the case with ALL KiwiSaver funds, there is no option to take this money as cash until you turn 65. 

ASB kiwisaver review
ASB KiwiSaver Scheme NZ

ASB KiwiSaver offers index-tracking funds; the only "active" management is in cash investment

Each ASB KiwiSaver fund invests in specific assets such as Australasian shares, global property or New Zealand term investments, but the assets are managed externally by 'underlying investment managers'. This means ASB entrusts your money with another fund manager, who invest in a specific index as guided by ASB. This is designed place the responsibility with giant overseas investment managers on your behalf and save money using their economies of scale.

For example, if your fund invests 5% of its money into emerging markets, BlackRock Investment Management, a large investment manager, is appointed the underlying investment manager. They are then tasked by the ASB to invest your money in the MSCI Emerging Markets Index.  This is an index that covers more than 800 securities across large and mid-cap size segments and across style and sector segments in 24 emerging markets (everywhere from China to Mexico to South Africa). As the value of these shares goes up, your KiwiSaver balance grows.

We've outlined the components of each of the five funds above to make it clear where your money is going. And remember, past fund performance is no guarantee of future results; what you ultimately invest in will be determined by your level of comfort with a fund.
​
ASB KiwiSaver Scheme NZ

​Signing up to ASB KiwiSaver isn't Complicated, but you’ll need to decide what fund to invest in first

Signing up to the ASB KiwiSaver scheme is fast and easy, but you’ll need to decide your fund first. Helpfully, the names of the five funds - cash, conservative, moderate, balanced and growth, are free of buzzwords or spin.

Generally, if you're looking for a safe investment with the lowest risk of seeing your original investment fall, a conservative fund could be a suitable option. If you're looking for a higher return and are prepared to have your money in higher risk investments which could fall in value, balanced and growth funds operate in this manner.

If you're not sure of what to invest in and want to have a range of options to pick from, look at Sorted's FundFinder tool which includes the ASB KiwiSaver funds.
​
ASB KiwiSaver Scheme NZ

The Default ASB KiwiSaver fund may not be appropriate for you

If you have been enrolled into the ASB Default KiwiSaver Scheme, you will be put in the Conservative Fund. The Conservative invests 80% of its money into income assets such as term deposits and government bonds. If you are looking for a growth fund, this is probably not it.

If you are in this fund and would prefer a more aggressive fund with slightly higher fees and the possibility of better returns, you have the option to switch free of charge. You can switch to another ASB KiwiSaver fund or any other KiwiSaver fund operated by another scheme. You can also opt-out of KiwiSaver altogether if you do not wish to participate.
ASB KiwiSaver Scheme NZ

The performance data is easy to follow, and updated on a regular basis

With the five funds launching in 2007, there is 10+ years of performance data which is updated monthly here. Members can also log in to ASB FastNet internet banking and/or check the ASB Mobile Banking app. 

ASB KiwiSaver Scheme NZ

None of the funds invest specifically in New Zealand shares

Four of the five funds invest in shares, but none of these are specifically investing in New Zealand shares. There is a heavy focus on international markets, and in some cases emerging markets (such as China, Mexico, Brazil, India etc), which can be relatively more volatile than New Zealand-based investments.

ASB KiwiSaver Review

Our Conclusion​

  • The ASB KiwiSaver scheme offers five funds almost identical to ANZ KiwiSaver, yet charges around half the management fees across the board. The lower fees do not appear to affect fund performance - as an example, the ASB Growth Fund out performed the ANZ Growth Fund in the 12 months to 30 June 2018.   
  • And despite a low fee base compared to ANZ, ASB charges above low-cost index options like Simplicity which reported the second-highest annual return for its Growth fund in the year to 30 June 2018 (after deductions for charges, but before tax).
  • With four of the five funds, investors can get exposure to the New Zealand sharemarket, Australian sharemarket, emerging markets, local and global bonds, global property as well as New Zealand cash deposits.
  • The higher the weighting of growth assets vs income assets increases , the higher annual management fee. This is expected to be offset by the long-term performance of the fund.
  • The scheme dominates KiwiSaver, with 18%+ of total KiwiSaver money spread over the five ASB funds.

Do you have an experience with the ASB KiwiSaver scheme that you would like to share with our readers? Email our research team who would be delighted to hear from you. 
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  • Credit Cards
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        • Qantas Credit Cards
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  • Banking & Savings
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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  • MSD
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  • Law
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    • Best of New Zealand
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  • Travel Insurance
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    • Essential Information
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  • Mobile & SIM
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  • Broadband
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  • Power
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • 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
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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
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  • Financial Independence
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      • SortMe Review
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    • Tax
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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