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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Blackbird vs Movac

Our definitive guide compares Blackbird and Movac by way of their respective investing approach, fund sizes, specific industries, experience and successes
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Updated 9 August 2024
Summary:
  • Without a doubt, the top two active VC firms in New Zealand are Blackbird Ventures and Movac. The reputation, size and in-depth expertise of each fund significantly outperform any other VC fund in New Zealand. 
  • As a founder, you will typically get one shot at pitching and going through the due diligence process with these firms, and you must nail it.
  • First impressions matter when it comes to VC firms. If you make a bad first impression, that can influence the partner’s follow-on funding decisions and future capital raise pitches.
  • Currently, there is very little advice on how to approach pitching to the likes of Blackbird and Movac – but as the most prominent VC funds investing in New Zealand businesses, being well-informed is essential.
  • This guide outlines and breaks down the two firms, how they invest, and what founders can do to optimise their chances of getting funding.

Our guide covers:
  • Blackbird - What You Need to Know
  • Movac - What You Need to Know
  • How Would Blackbird and Movac Help My Business?
  • Blackbird vs Movac - Frequently Asked Questions

​​Disclaimer: This guide has been researched with the assistance of the New Zealand startup community. Elements of the contents are, in no uncertain terms, opinions based on particular founders and investors' experience. MoneyHub publishes this guide in good faith and makes startup-related guides and resources available free of charge to anyone who needs them. Nothing in this guide is investment, funding or financial advice in any form.

Blackbird vs Movac

Blackbird - What You Need to Know

Background: As the largest Australian VC firm (and one of the "big three" alongside Airtree and Square Peg), Blackbird Ventures is one of the most active offshore VC firms in New Zealand. Blackbird set up a New Zealand subsidiary called Blackbird Ventures NZ in 2019 and have raised a $60M fund solely for investing in Kiwi founders and Kiwi startups. 

Alongside this, Blackbird runs an Follow-On fund that allows Blackbird to in later stage rounds of their existing early stage investments​ (for example – they've continued to invest in Canva for 10+ rounds since their initial investment).

Fund history

  • Fund I (2012): $29m
  • Fund II: $200m 
  • Fund III: $225m
  • Fund IV (2020): $500m (excluding $60m for their New Zealand entity and fund)

Blackbird has raised ~$1 billion+ across four funds, making it one of the most significant VC funds in Asia-Pacific. It is set up as an Early-Stage Venture Capital Limited Partnership (ESVCLP), meaning most investments will be domiciled in Australia. 

Focus Areas

Blackbird has a strong focus on narrative-based companies. Whether plant-based foods, autonomous vehicles or pretty slides, Blackbird's focus on companies that typically do good for the planet and build on the brand. 
 
Out of the New Zealand portfolio:
  • Ao Air is focused on clean air.
  • Mint Innovation recycles electronic waste.
  • Sunfed Foods manufactures plant-based meat products.
  • FreightFish build efficient, ethical hydrofoil freight carriers.
  • Multitudes pulls passive data to surface team performance and culture
  • Partly connects the auto parts market globally

​While there are typical "VC" style SaaS investments (Ask Nicely, Multitudes, Canva etc.), many are driven by ESG-type investing. This is something to note when pitching to them.

Key Partners

Samantha Wong - General Partner
Prior to joining Blackbird, Sam co-founded a Startmate company, CapacityHQ, a professional services marketplace. Sam started her career as a corporate lawyer at Minter Ellison before career-pivotting to lead Product teams at SurfStitch.com, a multi-national e-commerce startup.

Phoebe Harrop - Associate
Phoebe was previously the director of growth equity at Generation Investment management in London and consultant at Bain & Company.

​Summary:
  • The whole Blackbird team sit on the investment committee, including Rick Baker and Niki Scevak, who both have had experience building companies and investing in world class VC firms in Silicon Valley such as Benchmark.
  • Blackbird's community-first approach means founders can tap into a wide pool of founders, operators and LPs with deep expertise in their respective fields from enterprise software to deep tech. Blackbird's community is global and they believe the best advice to founders comes from other founders who are a few steps ahead of them.
  • Arguably, the partners at Blackbird have relatively less New Zealand experience than those of Movac. The partners typically have had shorter stints at various firms offshore and in different verticals but do not compare to the New Zealand-specific deep industry expertise that the operating and general partners at Movac have.
  • The overall Blackbird brand and return profile has been significantly larger at Blackbird (compared to Movac), potentially signalling that strong VC teams don't lead to outsized returns. 

Blackbird Portfolio Analysis

Top portfolio companies: Canva, Culture Amp, Zoox, Redbubble and SafetyCulture.
NZ Investments include Ao Air, Mint Innovation, Multitudes, Ask Nicely, Freightfish, Partly and Sunfed Foods.

Anecdotal NZ Founder Stories:
  • Companies that exhibit "slow growth" have been rejected. Even within the Startmate programme they run, the selected startups have been turned away from investment from Blackbird for this reason.
  • Many NZ startup founders that are pre-revenue (early ideas or still developing the technology) have been funded. Partly – a parts marketplace, was pre-revenue when it was funded. Ao Air – an air filtration company, is also effectively pre-revenue at the time of investment. Multitudes is pre-product and pre-revenue as of April 2021.

Top 5 Things to Nail to Have the Best Chance of Investment From Blackbird

We talked to founders and investment specialists who suggested these tips:
  1. ​Be bold. Blackbird is known to heavily emphasise founders with a large vision. If you've got big plans to dominate an industry and can accurately sell this to Blackbird, you're in a good position.
  2. Focus on the story and narrative. They are less focused on ultra-high conviction and analysis but place a strong focus on the founder. Ensure your narrative is strong, your market is large, and you pitch well (e.g. Canva).
  3. Engage early. Many of their deals are pre-revenue, so there's never a better time to build the relationship, even if you don't yet have customers.
  4. Your brand matters. Blackbird is known to invest in startups with strong marketing that builds on their brand presence. Canva is a prime example of this. 
  5. Emphasise high growth. If you're not going to provide venture-like returns, you're unlikely to warrant investment from them. It doesn't necessarily have to be realised growth, but showing that your startup will grow fast in the future (and these assumptions are reasonable) are generally what Blackbird looks for. 

Blackbird vs Movac

Movac - What You Need to Know

​Background: ​Movac is the largest New Zealand-based VC fund. They have had a long history of successful local exits and house some of the top industry experts in their fields. They typically invest in 3-5 businesses a year.

Fund history

Fund history (all NZD)
  • ​Fund I (early 2000s): <$10m 
  • Fund II (2000-2010): $20m
  • Fund III (2012): $42m
  • Fund IV (2016): $110m
  • Fund V (2020): $250m
  • Fund VI (2023): $202m

​​Movac has raised ~$400m over the last two decades. Movac invests its funds in New Zealand or New Zealand connected startups. A few companies in their portfolio are domiciled offshore but these always have a New Zealand connection (e.g. NZ founder or CEO living overseas). 

Focus Areas

Movac has a wide variety of success stories across many verticals, including SaaS (Vend, Unleashed, Timely), Deep tech (PowerByProxi, Mint Innovation), Marketplaces (TradeMe) and Life Sciences (Aroa Biosurgery). This makes them a generalist investor and a potential source of capital for many startup founders.

​Movac’s current Fund 5 ($250m) invests in technology businesses from Seed to Series B/C and beyond. It aims to have 25 portfolio companies in total and has two main investment criteria:
  • Early-stage ($20m to invest, 15 investments, $500k-$1m cheque size): pre/minimal revenue and/or undeveloped sales process. At this stage, Movac will generally “follow” another investor and usually won’t take a board seat. The focus for Movac at this stage is team, addressable market, and moat.
  • Later stage ($230m to invest, ten investments, $2m-$25m cheque size): >$1m of revenue and a repeatable, scalable sales process in place. Movac will “lead”, i.e. craft a term sheet, run the due diligence and take a board seat. Additionally, at this stage, Movac focus on scaling the business model and unit economics.

Key Partners

Movac Fund 5 has six "General Partners" who all run deals, take board seats, and together sit on the investment committee and make investment decisions.

Early-stage focus: David Beard & Lovina McMurchy
David and Lovina are common partners that early-stage startups will interact with when going through the investment process. David has 15 years of technology investment experience at Movac, including guiding PowerbyProxi through its 10-year journey from startup to acquisition by Apple. Before joining Movac, David was a SaaS CEO and entrepreneur. David has a particular interest in deep tech opportunities like Mint Innovation and NanoLayr, two of his current board appointments.

Lovina spent four years as General Manager of Amazon Alexa in the US, over a decade at Microsoft in Seattle as General Manager of Skype and spent several years at Starbucks as head of Venture Development. She graduated with an MBA from Harvard Business School and joined Movac as a Partner in 2020. Lovina is one of the most experienced technology operators in New Zealand.
  
Growth stage focus: Mark Vivian
Mark Vivian has more than 12 years of investment experience and, before joining Movac, had been in operational roles in highly successful startups that went from early stage to IPO on the NASDAQ and LSE. Mark was the founding CEO of Kea, the NZ ex-pat community and is deeply networked across the sector.

Generalists: Phil McCaw, Mark Stuart, Jason Graham
More details can be found here.

Operating Partners
Movac differentiates itself by offering its portfolio companies significant operational support from its experienced "Operating Partners" and "Executives in Residence", such as Jeremy Ginsburg. As an Operating Partner supporting Movac portfolio companies with in-house technical expertise, Jeremy is the hands-on support for companies to scale. Previously he's held software engineering roles at various technology firms in San Francisco, including Google, Twitter and Color. This deep industry expertise provides startup founders with links to Silicon Valley and critical feedback and product development advisory that, arguably, can't be obtained anywhere else in New Zealand. This level of industry knowledge is difficult to find, even with offshore investors such as Blackbird. ​

Movac Portfolio Analysis

The Movac Fund 5 current portfolio includes Tradify, Myia Health, Solve, Portainer, Yabble and Mint Innovation. It's worth noting that the last few deals (as of April 2021) have been made offshore (Myia Health and Solve) but in Kiwi founders. Additionally, the portfolio has deep tech with growth companies. 

Movac has had some big wins:
  • Trade Me (Fund I) – NZX IPO (exited) then $2.6 billion sale to Private Equity.
  • Greenbutton (Fund II) – Sale to Microsoft for an undisclosed amount.
  • Aroa Biosurgery (Fund II & III) – IPO on ASX.
  • PowerByProxi (Fund III) - $300m sale to Apple.
  • Unleashed (Fund IV) – Sale to UK-based Access Group for $100m+.
  • Vend (Fund IV) – Sold to LightSpeed for c. $500m.

Looking at the biggest Movac exits, these span the deep tech, SaaS and Life Science sectors.  This contrasts with other VCs who will typically focus on the software verticals.​

Anecdotal Founder Stories:
  • A startup pitched to Movac in 2019 when they had just closed their seed round. They were too early and were rejected at that point. In 2021, they have just raised a round of capital from Australian and US-based VCs without the need to reach out to Movac. In this case, the company talked to Movac too early and potentially could have interacted 6-12 months after the seed round to familiarise Movac with the company and test the waters for the pre-Series A round.
  • Another startup interacted with Movac periodically while raising their pre-Series A round and were at a stage where they had a strong team and investment thesis. Movac subsequently invested at the end of the round.
  • A recent investment they've made on an EV/Revenue multiple of around 5x. This is typically lower than some of the other portfolio companies (implying slower expected growth). This mixed approach is relatively uncommon. Blackbird does not do this – they typically look for 10x+ investments on every investment they make.
  • Another example was a company that entered due diligence with Movac for 2-3 months, then ended up getting pushback from the Investment Committee. The decision ultimately falls on the Investment Committee members, and the deal leads may not necessarily be able to convince them to invest at the time of pitching.
  • Insiders' view: Be wary that the decisions are made independently of the deal team; rejection can be swift and unforgiving. This has happened with a recent pre-A investment recently. 

Top 5 Things to Nail to Have the Best Chance of Investment From Movac

​We talked to founders and investment specialists who suggested these tips:​
  1. Get your team right. Movac is very focused on team, product and technology and is known to reject companies without technical co-founders. 
  2. Build on your metrics. Movac focuses more heavily on metrics and traction than Blackbird and typically have a higher threshold for investing.
  3. Pick the right sector. While there's not much you can do about this, recognise that Movac is known as a generalist investor with a track record of investing in SaaS, Marketplaces, Hardware. 
  4. Engage when other investors first. Movac doesn't lead with Early Stage deals and will walk away from deals, only to come back when a strong overseas investor has committed capital (this has happened with a Fund V portfolio company). As such, if you're able to establish a clear offshore lead, Movac is more likely to co-invest in the round. Furthermore, Movac is known to lead with Growth Stage deals.
  5. Don't engage too early. Given the setup of their Investment Committee and due diligence process, engaging slightly later (i.e. at Series A rather than post-seed round) means you can put your best foot (and metrics) forward when pitching.

Blackbird vs Movac

How Would Blackbird and Movac Help My Business?

​There are many things Blackbird or Movac can do to support you (above and beyond investing in the round). Blackbird is one of the top VCs in Australia and is likely to set up warm intros for other VC funds.

Some of the non-investment related support Blackbird and Movac typically provide include:
  • General industry-specific strategic advice
  • Intros to other startups they've seen/invested in that may be potential customers or partners
  • Recommendations on pitch deck and financial model changes (for the other VC meetings)

While the New Zealand VC landscape is relatively small, other investors are out there and many are known to invest early. A common path for many startups is to raise a large enough angel round (from the likes of Enterprise Angels, K1W1, Icehouse, etc.) and reach a point where the business is self-sustaining and can attract offshore investors. 

Blackbird and Movac are known for being flexible in their approach but are fairly standard when it comes to business models and industries they invest in (SaaS heavy, founder driven, strong metric businesses). It isn't the end of the world if you don't get investment from either of these. 

To name a few successful New Zealand companies that have done well without either of these two:
  • AllBirds – backed by Lerer Hippeau. 
  • Rocket Lab – backed by Icehouse and K1W1 before Bessemer invested.
  • Xero – backed by Peter Thiel's Valar Ventures and Matrix Capital.
  • Anaplan – Backed by US-based Shasta Ventures.
  • Kami – raised an angel round and took a small VC round led by NZGCP

Australian VCs.
  • A2 Milk – Listed on the ASX + NZX. 
  • Vista Group – Listed on the NZX.
  • PushPay – Listed on the NZX. 

All of the above companies have all taken different paths to success; getting funding from Blackbird or Movac was not one of them. 

Blackbird vs Movac

Blackbird vs Movac - Frequently Asked Questions

We can't anticipate the specific questions you'll likely have, but our selection of common queries below can help answer the basics.

I was rejected from Blackbird and/or Movac and am raising a follow-on round. Should I reach out again?

Yes - tThere is no reason why you shouldn't. Typically the analysts and managers at Blackbird and Movac will have their own opinions on a company and do most of the work when drafting the Investment Committee pitch. A lot of the reasons for rejecting a company can be biased depending on who sits on the Investment Committee, so while the firm as a whole may not be able to invest, things can change, and you never know what the committee will think in 12-24 months. 

When should I reach out to Blackbird or Movac?

This depends on your startup. Some founders reach out very early when they're not investment ready and are likely to get good advice but no funding. Some reach out a little too late and end up not building the relationship early enough to create a meaningful connection (which can lead to weaker due diligence and pitching).

When it comes to Movac, we believe it pays to reach out slightly later than you would expect, given their focus on metrics and benchmarks. Given the early nature that Blackbird invests, industry insiders suggest to reach out slightly earlier than you think you need to, but keep in mind that if you're not "sexy", "exciting", or "high growth" enough, you're might be rejected.

What are the critical differences between Blackbird and Movac? Isn't VC just money?

​It depends on what term sheets you get. Both firms have experience scaling into offshore markets and establishing follow-on funding, but nuances exist between them.
  • Movac has typically been able to exit their companies through IPOs, while Blackbird typically keeps companies private longer (which could come with benefits like better governance, faster growth etc.). 
  • From a funding perspective, Blackbird has slightly deeper pockets.
  • From an expertise perspective, Movac has, arguably, slightly better industry knowledge. 
  • From a return-profile perspective, Blackbird outperforms on an IRR basis.

​Overall, we believe the differences are relatively small and what will likely matter more is how you feel when interacting with the partners and team. Each firm has flair, and different personalities will mesh well (or not so well) with your personality. This should be the overarching question when deciding who to take investment from.

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  • Banking & Savings
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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    • Health & Personal Care
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  • Trade Services
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