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
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • 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
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  • Banking & Savings
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  • KiwiSaver
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  • Mobile & SIM
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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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  • Trade Services
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Expanding Offshore - The Definitive Guide for New Zealand Businesses

Our guide outlines the global expansion potential for startups, the reasons to expand globally, the challenges and tips to ensure a profitable outcome.

Expanding Offshore (Guide for New Zealand Businesses)
Updated 16 March 2022

Summary
  • There comes an inflexion point in the lifecycle of most startups where a founder must decide whether to expand into new markets.
  • Maybe they've saturated the home market they sell into, or competition becomes too fierce. In addition, regulation may restrict certain industry operations, which has made the sector unprofitable.
  • For whatever reason – offshore markets present a blue sky opportunity for many startups to not only increase their customer base but diversify their business away from any geopolitical impacts that might happen as a result of only selling into one country.
  • However, launching operations into other countries too early or without performing the right due diligence can ultimately risk your capital, brand and potentially the entire company.
  • On the other hand, if you wait too long and competitors entrench themselves before you can expand, you'll lose out on chances to scale and build your brand.

This guide breaks down why companies expand offshore, the pros and cons for doing so, and the top tips New Zealand startups can do to succeed at international expansion. We cover:
  • Global Expansion Potential for Startups
  • Why Should New Zealand Startups Expand Internationally?
  • Biggest Challenges for New Zealand Startups Expanding Offshore
  • Top Tips for New Zealand Startups Going Global

MoneyHub Founder Christopher Walsh shares his comments on expanding overseas:

Expanding overseas is risky. Many successful New Zealand companies have thrived locally and died in similar markets like the UK, USA and Australia. The effects are often catastrophic, and a wrong move overseas can bankrupt the whole company.

There are many examples - Pumpkin Patch, Kathmandu founder Jane Cameron, and My Food Bag (which shut down in Australia in 2016) are just a fraction of real cases. Australia can be challenging (as this Stuff.co.nz article outlines), meaning the UK and the USA are likely even tougher.

As a background, MoneyHub started its expansion into Australia in late 2020 - by mid-2021, we're still to launch. Regulation, licencing and hiring the right team all take time. I believe even expanding into Australia without proper consideration is dangerous. To help, we've put together this guide so that business owners can avoid the mistakes of those that came before them. 
Christopher Walsh MoneyHub

Expanding Offshore (Guide for New Zealand Businesses)

Global Expansion Potential for Startups

Even if a startup is new and small, it can still have enormous global expansion potential. Here are a few common signs that this is the right time for your startup to expand internationally:
Expanding Offshore (Guide for New Zealand Businesses)

Global Focus

While your startup's initial target market could be in New Zealand, many problems that exist here will also exist in other markets (if not even worse of an issue – think healthcare, inequality or access to financial advice). If you think you will expand your startup internationally at some point, having a global focus allows you to deeply understand your new customer base. You can then tailor your initial strategies to make the transition easier once you get there.
Expanding Offshore (Guide for New Zealand Businesses)

Solid Revenue Base

If you decide to expand internationally, you will need money (and a substantial amount of it). While some startups raise capital from external investors specifically to tackle offshore markets, it can be a long and drawn-out battle to compete with existing incumbents that may have been around longer, have entrenched themselves or have more cash to fight with. 

You may have a product you think offshore markets will love, but it can be more complex than initially thought to sell into a different consumer group. Not all countries are the same, and you may have to spend a significant amount of time and money to understand your new customer base.
Expanding Offshore (Guide for New Zealand Businesses)

Back-end Processes

Having the tools and foresight to make your back-end processes robust is essential. Expanding internationally has many different issues to think about. These can include navigating other laws and regulations, optimising products to suit the new market, hiring local sales teams, and solving problems such as recruiting, paying, and providing staff benefits.
Expanding Offshore (Guide for New Zealand Businesses)

Forward-looking fiscal planning

Make reliable budgets for international expansion is a critical step to succeeding in offshore development. Expanding efficiearly can help keep competitors from squeezing you out of offshore markets. If you're able to plan ahead and develop early before competition can entrench itself will help you to gain a leading edge in the market.

Expanding Offshore (Guide for New Zealand Businesses)

Why Should New Zealand Startups Expand Internationally?

International expansion for startups offers many opportunities and benefits. Here are a few of the advantages that New Zealand startups expanding internationally are likely to see:
Expanding Offshore (Guide for New Zealand Businesses)

Larger Profits

The top reason startups expand internationally is to extend their runway and increase their revenue. It's never been easier to research and understand an offshore market – with easy access to market research and analysis on competitors. Startups can map out their game plan and expand to the most prosperous countries. Successful international expansion can help startups continue their revenue growth and set themselves up for steady profits for several years to come.
Expanding Offshore (Guide for New Zealand Businesses)

Global Brand Recognition

Focusing on the New Zealand market involves less risk than international expansion. However, expanding globally can help to create a powerful global brand. When this happens, audiences everywhere around the globe recognise your brand, and this is where word of mouth can become explosive for your future growth.
Expanding Offshore (Guide for New Zealand Businesses)

Increased Long-Term Success

The increased growth that comes from offshore expansion can dramatically improve a startup's long-term success. While most startups don't grow to become billion-dollar companies, expanding internationally can help New Zealand startups to grow faster and improve the likelihood their company will survive for decades to come.
Expanding Offshore (Guide for New Zealand Businesses)

Access to Global Talent

Finding skilled talent is essential for any startup, but ,it is more complex than ever to find the best-suited candidates at a reasonable salary level in today's labour market. In addition, as business becomes increasingly interconnected across the planet, tapping into these new job markets will help establish a competitive advantage compared to your competition. Unfortunately, however, COVID-19 has severely restricted the amount of foreign talent that used to be able to be hired.

Expanding Offshore (Guide for New Zealand Businesses)

Biggest Challenges for New Zealand Startups Expanding Offshore

Expanding offshore is not easy. During international expansion, New Zealand startups can expect to face many different challenges detailed below:
Expanding Offshore (Guide for New Zealand Businesses)

Language Barriers

Language barriers when expanding offshore can cause several issues, such as miscommunication, loss of nuance and provocation during essential dialogues. While English is the primary language spoken in many countries and is common in most business situations, many international markets will not use English. These markets typically make up a significant portion of the offshore market (think Asia, Africa, or South America).

As a result, most startups will need to deal with local languages, whether that includes hiring your own talent that speaks the language of learning the language yourself. Try your best to communicate in the local language where possible - it shows that you care about and respect the local culture. Hiring professional translators and employees who are fluent in the local language can help to simplify conversations.

Expanding Offshore (Guide for New Zealand Businesses)

Cultural Differences

Successful global expansion requires that you pay attention to the organisation's culture — both the business culture of your startup and your new commercial partners that you're hiring offshore. The local social and cultural differences may significantly impact cross-border culture. International growth is probably going to affect your startup's business culture:
  1. The vision, philosophy, and key objectives of your company will gradually evolve as you spend more time and energy building a global brand and creating products/services with a global reach.
  2. Your overseas employees will tend to reflect the values of their local culture, which will help conduct business more effectively in those countries. However, it will also mean that you must ensure that your startup continues to hold a shared vision and a set of core principles across different countries.

A significant focus for startup founders should be to make sure that solid relationships can form organically within your new markets. Your goal should be to find meaningful and authentic connections that facilitate successful working partnerships within the local culture. Make sure you are doing your research by learning about the requirements of the local market (and the relevant values and habits of the local people). This will require translating your products and marketing messages into local languages and ensuring that meaning isn't lost along the way. It can help to get some local talent to help with this. Determining the extent to which foreign markets expect your business to adapt to local customs and values is also essential.

Expanding Offshore (Guide for New Zealand Businesses)

Logistical Challenges

Initially, the logistical challenges of expanding internationally can be daunting. Startups will need a reliable way to move their products (if they sell physical items) and strategies for navigating bureaucratic and legal processes like taxation, rules and regulations and banking.

A large number of developing countries have less robust legal processes, and corruption may be something you have to deal with. It's essential to research and understand what each potential country is like before expanding there. Additionally, startups may not always have sufficient staff to tackle these challenges – but ensure you can hire a relevant, experienced and knowledgeable team to handle situations like this – this will set you up the best to tackle global markets.

Expanding Offshore (Guide for New Zealand Businesses)

Inexperience

It can be helpful to have at least one person in the startup to have experience in starting and running companies. Veterans of the startup world can offer crucial advice on various parts of offshore expansion – including specific target markets. While this isn't a hard prerequisite, it's a good idea to seek assistance from seasoned mentors and founders – and this is where being part of specific startup communities can help immensely.
Expanding Offshore (Guide for New Zealand Businesses)

Marketing

Marketing issues in international markets are often closely aligned with language and cultural barriers. Techniques that work great in one market can seem overbearing in another, or the values that a marketing strategy is trying to appeal to may not work in other markets. Marketing research is essential in international markets where language and culture differ from those within the home market. Marketing research allows startups to tailor their strategies to the unique requirements and desires of their new audience.
Expanding Offshore (Guide for New Zealand Businesses)

Failing to Find Product Market Fit

One of the main things preventing firms from succeeding abroad is wrong Product Market Fit (PMF). So many founders work hard to create perfect products for their home markets, only to realise that they do not translate well to other markets with entirely different consumers. 

In contrast, if startups develop more generic products to appeal to many consumers, the products may become commoditised in the home market as they're not differentiated enough compared to competitors. Startups can help themselves resolve this paradox partially by performing market research and determining which potential markets share common traits and needs.

Expanding Offshore (Guide for New Zealand Businesses)

Staffing Challenges

Staffing an offshore startup office comes with its own set of challenges. Startups expanding globally will need to deal with recruiting, onboarding, training, payroll, benefits and terminations – all while trying to devote their focus to core areas like sales, marketing, and research and development.

One method to tackle this challenge is to accumulate the required knowledge and skills to handle international human resources. It is typically cheaper to do all of this in-house, but both can be a drain on your time. Outsourcing this task and partnering with a local HR manager can be an effective, reliable, and cost-effective way to staff offshore offices and allow you to focus on what you may be more effective at – building the business.

Expanding Offshore (Guide for New Zealand Businesses)

Top Tips for New Zealand Startups Going Global

Expanding Offshore (Guide for New Zealand Businesses)

Start Small

When you first start expanding your startup into international markets, it can be tempting to draft big, ambitious growth plans and to take over the world in two years. However, it is often better to take a few small, measured, manageable steps first — perhaps by experimenting with a few offshore sales clients before opening an enormous office in the new country.

Staffing a new office involves many logistical challenges – from coordinating with remote employees, working across different time zones, and negotiating other management practices and rules. It's likely to be best to start out with a few employees first so you can learn and iterate the best techniques you'll need to scale before hiring more substantial staff offshore.
Expanding Offshore (Guide for New Zealand Businesses)

Conduct Initial Research

Expanding overseas requires taking a comprehensive look at your target marketplace, and you're your startup could sit within it.
This means looking at factors like:
  • Your business's strengths and weaknesses within the specific region.
  • The various strengths and weaknesses of the competition in the region.
  • Product differences will need to be made to support international customers.
  • The total available market (TAM) vs the serviceable available market (SAM).

The main reason for conducting market research is to get an accurate picture of what demand is tangibly there for your startup - this means thoroughly utilising every available avenue to learn about your target market and competition. The key ways to conduct global market research are:

Online Databases
While you can pay for paid research, a wide variety of comprehensive databases are available for free. You can never have too much information – your ultimate goal is to find all available public input on a target market to understand what your competitors do deeply, their main competitive strategies and what they're likely to do if you enter their market. Some critical databases include Pitchbook, Factset and Bloomberg.

On The Ground Research
There is no substitute for getting up close to your target market and doing in-person research. Meeting face-to-face with the customers, you would like to sell to can provide invaluable feedback on how you would potentially modify your product or adapt your international expansion strategy. Cultural values, innate preferences and social protocol can vary widely depending on the country. Without a strong understanding of your offshore target market, you allow an outsized margin for costly mistakes. Once you've got an idea of product-market fit, begin communicating your expansion strategy to the broader team.
Expanding Offshore (Guide for New Zealand Businesses)

Choose Your Target Market

Once you've narrowed down your options, it's time to choose the first offshore market you'd like to break into. Often, tech startups start with a larger market that has enough of a Total Addressable Market (TAM) to justify expansion. Popular countries that fit these criteria are usually the UK, the US, Canada, Australia, France, Germany, and Japan. With that said, many other countries that have specific niche consumers are also popular. In contrast, The BRICs (Brazil, Russia, India and China) have a reputation for being more challenging to expand into than others.

Ultimately, countries that have the following will (generally) make good markets:
  • Strong mobile penetration
  • Stable political environments
  • Accessible payment infrastructures
  • Favourable regulatory and tax laws
Expanding Offshore (Guide for New Zealand Businesses)

Understand the Specifics

Most offshore expansion plans run into problems when unfortunate oversights happen during the initial planning phase. Each country has its own flair when it comes to investment, legal, marketing, and other factors.

It is vital to plan for all potential courses of action (regardless of probability) when planning for international expansion. The founder should be asking questions such as:
  • What will your supply chain and logistics look like?
  • Are you looking at a neighbourhood within a city, a specific country itself, or multiple countries?
  • How much capital will you need for marketing, translation, redesign and legal work?

Consulting with experienced international startup advisors or other New Zealand founders who have successfully expanded offshore and who can support you through the design process from start to finish. Check out the top New Zealand startups resource pa
ge here to find companies that may have expanded offshore.
Expanding Offshore (Guide for New Zealand Businesses)

Protect Your IP

Another critical player you'll need to support your international expansion strategy might be a lawyer. Local representation in your target country can guide you through the paperwork and help lay the groundwork for a seamless launch – whether that's in regards to setting up your company offshore, dealing with litigation issues or protecting your unique IP in that market.
Expanding Offshore (Guide for New Zealand Businesses)

Understand Team Strategy

It can help to determine what new hires you'll need to make for offshore expansion and in what capacity (or which team members will focus on the latest market or relocate to a new country). If your startup sells physical goods, you'll need significantly more team members in the new region to handle manufacturing, distribution, and warehousing.

It's an added benefit if the individuals you hire will fully immerse themselves in the local culture and can speak with overseas partners and customers. This is one of the core reasons why it is so important to visit a particular country and spend time making face-to-face connections.

Expanding Offshore (Guide for New Zealand Businesses)

Study the Local Culture

Understanding the nuances of the local culture is one of the most critical steps on the road to international growth success for your startup. Different cultures have different ways of working, communicating, and interacting – learning how to adapt your management techniques to meet their preferences is crucial for maintaining a happy and effective global workforce. Training your international team leaders to deeply understand their workers' unique cultural differences is a great way to show you're a startup that cares for its employees, helping to make a culture of unity and dedication.
Expanding Offshore (Guide for New Zealand Businesses)

Understand the Local Rules and Regulations

Laws and regulations in your target market are likely to be intricate, complex, and different from the system you're familiar with. Taxes will also differ, and if you fail to understand the local tax codes and regulations, you may face severe penalties and bad PR. Getting help from knowledgeable, experienced professionals who can navigate the regulatory frameworks is crucial to success.
Expanding Offshore (Guide for New Zealand Businesses)

Learn From Your Mistakes

When it involves offshore expansion, some bumps in the road are to be expected, especially for early-stage startups. When things fail, try to remain optimistic and flexible. Frame mistakes as opportunities to find out and grow – you will always come up against tough challenges as your startup ages. By doing this, you'll help shape your company into a more resilient organisation with the adaptability and know-how to succeed internationally.

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