MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden 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
        • 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 Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • 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
      • 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
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite 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
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding 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
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • 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
        • 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
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • 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
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured 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
      • 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
    • Car Insurance
      • Guides
        • 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
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • 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
      • 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
    • 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
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas 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
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • 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
      • 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
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • 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
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • 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 in Christchurch
    • 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
    • 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
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • 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
      • 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
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM 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
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • 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
    • Business Calculators
      • 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
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • 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 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • 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
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • 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
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • 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
    • 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
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • 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
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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Financial Advisers - The Definitive New Zealand Guide

Picking the right Financial Adviser is very important. Our guide explains how to find one, why you might get one, what you will pay and the questions to ask. 
Picture
Updated 23 December 2022

Summary
  • If you take financial advice from a Financial Adviser, it is going to cost money even if you don't see the bill.​ The Financial Adviser environment in New Zealand is somewhat misunderstood.
  • In most cases, meeting a Financial Adviser won't cost anything - they work on commission. What you pay usually depends on what you invest - very few Financial Advisers charge an upfront fee (there is a list of fee-charging advisers here). If you invest $100,000, it is possible your adviser will be paid around $250-$1,000 per year by the investment platform you select (representing a 0.25% to 1% commission, which isn't uncommon).
  • Are you meeting with a financial advisor? The New Zealand Financial Markets Authority (FMA) has a must-read list. We suggest printing it off and going through it, line by line, and ask for an explanation if you don't understand something - it's your money and you're responsible for it.
  • This guide walks you through what a Financial Adviser is and everything you need to know to make an informed decision. We explain:
  • What is a Financial Adviser?
  • Who uses a Financial Adviser?
  • When do I need to use a Financial Adviser?
  • How much does a Financial Adviser cost?
  • How are Financial Advisers paid?
  • How do I find a Financial Adviser?
  • What questions should I ask a Financial Adviser?
  • What can I do if I got the wrong advice?
  • Financial Advisers - our view
  • 10 Financial Adviser must-knows​

More information: We now publish and update Mary Holm's original Financial Adviser list (exclusive to MoneyHub)

Christopher Walsh, MoneyHub's Founder and Head of Research, shares his views on financial advisers:

"I'm often asked about my view on financial advisers. Of course, I can't and won't comment on anyone individually. However, I respond by proposing one question:
  • Did the financial adviser suggest putting your money with many different managers and asset classes (e.g. a diversified investment)? Or did they want to tip all your money into one fund/fund manager and then send you 'updates'?
  • If it's the latter, I would ask them to explain why they're not following a diversified approach (as outlined by the FMA). They may say the funds are "diversified" but how do you know?
  • Many financial advisers are fantastic and provide a valuable service. But with any profession, some underperform. I've seen it all in my career - expensive, poor-performing funds and investments structured in somewhat of a 'heads I win, tails you lose' way that always seems to disadvantage the investors. 
  • Whatever you decide to do with your money, remember - diversification protects you from a single investment going wrong and losing a significant percentage (or even all) of your money.

Important: Please ask how the financial adviser is being paid. You'll need to read what they send you and ensure you understand it. For example, are you paying them a percentage of your investment yearly? Or are the people they invest your money with paying them? The distinction is important.

Investment needs to be free of emotion - even if you have a great relationship with a financial advisor, your money is the number one priority, and you must be careful with who gets to invest it. I wish you the best of luck and ask you to remember that no one cares about your money more than you. If something doesn't feel right or you're uncomfortable, you're under no obligation to proceed".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder


Financial Advisors NZ

What is a Financial Adviser?

Financial Advisers are professionals who advise on financial planning, insurance, investing and other financial services. They are qualified and usually (but not always) members of Financial Advice New Zealand or similar professional organisations.

Know this first:
  • There are a range of financial advisers available, but some are aligned with a limited number of products from product providers, while others have a wide range of products which they consider when recommending financial advice.
  • It is important you ask the question at the beginning of the process about the depth and variety of the range of products and providers which they consider in the process of giving advice.
  • Throughout your life, you're likely to make different investments and buy different financial products at different times. The purpose of a financial adviser is to help you make the right decision about what investments and products are best for you.

Who Uses a Financial Adviser?

While data is difficult to find, it is reasonable to believe that most Financial Adviser clients tend to be 40+ years of age with a healthy amount of money to invest. Younger New Zealanders are unlikely to seek out Financial Advisers, focusing instead on KiwiSaver contributions, buying a house and investing in bank products and/or managed funds as primary investment options.

When do I need to use a Financial Adviser?

If you are considering investing in complicated financial products and need advice, a Financial Adviser may be familiar with what you are looking at. Financial Advisers usually provide guidance for the following:
  • Investments and Retirement Planning: Managed funds and investment trusts 
  • Insurance: Personal and business insurance
  • KiwiSaver: Selecting the right provider, switching to a more suitable scheme and contribution consultation 
  • Financial Planning for all ages and stages of life

Financial Advisors NZ

How much does a Financial Adviser cost?

In most cases, meeting a Financial Adviser won't cost anything - they work on commission. What you pay usually depends on what you invest - very few Financial Advisers charge an upfront fee (there is a list of fee-charging advisers here). If you invest $100,000, it is possible your adviser will be paid around $250-$1,000 per year by the investment platform you select (representing a 0.25% to 1% commission, which isn't uncommon). 

Warning - You may not be advised on the most cost-effective investment available in the market. However, you can expect them to select the right product for your circumstances.

How are Financial Advisers paid?

We spoke to Financial Advice NZ who advised us that Financial Advisers follow a 'Six Step' Financial Advice Process, which they explain in detail below. In summary, an 'adviser fee' is charged on a monthly basis and is around 1% of the total portfolio value. For example, if you invest $100,000, your Financial Adviser will be paid $1,000 each year.

The process is as follows:
1. The first consultation with the potential client is at no charge. 
2. From there the Financial Plan Fee can range from $750.00 to $4,000.00 plus GST.  The majority of advisers investment clients will use a personal wealth management system designed to make investment easy and flexible.
  • The system can only be operated by a qualified financial adviser, that is they must be an Authorised Financial Adviser registered on the Financial Services Providers register.
  • These systems provide access to over 2,000 investment options within New Zealand and offshore from Managed Funds, ETFs, direct investments including term deposits.
  • The investments are held separately on the client's behalf by an independent custodian. Advisers will generally charge a 1% Portfolio Service/Annual Adviser Fee with the percentage fee reducing depended on the size of the portfolio.
  • If there is any commission, rebates or reduced management fees, these are all credited to the client and shown in their cash account.
  • The adviser fee is charged on a monthly basis and paid for separately from the clients cash account.

What do clients get for the portfolio service fee?

Key Benefits and Advantages
  • Monitoring Your Investments
  • Ongoing recommendations and monitoring of your investments to ensure that it continues to meet agreed investment goals and objectives
  • Meeting regularly with you on an agreed basis to review investments
  • Making and implementing agreed changes to your investment portfolio.

Reporting to You
  • Consolidated reports on investments
  • Current valuations
  • Performance reporting for both individual investments held and overall portfolio performance
  • A list of cash transaction history
  • A comprehensive tax report annually which also details the tax-deductible fees that may be available after consulting your professional taxation adviser.

Investment Portfolio Management
  • Independent investment custodian and professional administration
  • Choice of investments and investment portfolios
  • Regular withdrawals for income purposes
  • Portfolios can be rebalanced 
  • Portfolios can be changed to match changes in personal situation
  • Tax paid on your investments in 'multi-rate PIE’s (PIE’s are Portfolio Investment Entities) at your notified Prescribed Investor Rate (PIR)
  • Online access to information about your account.

Quality Investments
  • Access to reduced management fees on some funds
  • Access to tax effective investments.

Disclaimer:
  1. MoneyHub has no oversight or ability to gauge the accuracy of the above statements provided by Financial Advice NZ.
  2. A suggested method of insuring you receive the above benefits is print a copy of the section above and ensure that the financial adviser you are meeting with agrees that they will be provided as part of their service.

How do I find a Financial Adviser?

  • First of all, talk to your family and friends and ask them if they have used a Financial Adviser in your area. This is a good starting point and make sure to ask about their experience (good or bad).
  • ​It is likely you will want to see more options, and Financial Advice New Zealand (previously the Institute of Financial Advisers) lets you search by region for a local Financial Adviser.
  • Following that, Googling "Financial Adviser (and the name of your location)" is a great place to start - be sure to look for Google Reviews of any adviser you shortlist. 

More information: We now publish and update Mary Holm's original Financial Adviser list (exclusive to MoneyHub)
Financial Advisors NZ

What questions should I ask a Financial Adviser?

The New Zealand Financial Markets Authority (FMA) has a must-read list. We suggest printing it off and going through it, line by line. While this is a complete list of questions to ask and consider, we recommend always asking for an explanation if you don't understand something when meeting with a Financial Adviser. Generally, the FMA's list covers:
  1. How do I know what you’re recommending is the best option for me?
  2. What are the risks of this investment?
  3. What will I pay?
  4. What information will I receive about my investments?
  5. How can I get my money back?

What can I do if I got the wrong advice?

If you feel you've been incorrectly advised, you have a right to complain. You cannot complain about the performance of an investment, only the way you were advised. Traditionally few people have done so, unsure and embarrassed by how the investment has turned out and then putting it down to experience. However, if your issue is the advisory:
  1. The best approach is to complain to the Financial Adviser first - explain why you think the advice you received was wrong and collect as much paperwork and emails as you can find to support your argument. 
  2. If you don't get a favourable response, you can complain to the Ombudsman service. The Financial Markets Authority and the NZ Government both set out excellent guides on who to complain to.

Remember, when it comes to investing, 'low risk' isn't the same as 'no risk'.
 'Low risk' can still see you lose your money, and provided the Financial Adviser has explained this fact, there are no grounds for complaint. But if you were advised that a product you invested in could not lose money, and then you did, you have been incorrectly advised.

Financial Advisors NZ

Financial Advisers - Our View

  • If you do use a Financial Adviser, be sure that your investments are diversified - anyone who suggests putting all of your money in a single investment is incompetent. Also, ensure that all your investments are being invested directly in your name with the investment entity and NOT in the name of the Financial Adviser or their company.
  • NEVER invest in an organisation you have never heard of or can't verify its existence, no matter how much the Financial Adviser may reassure you.
  • Transparency and financial advisory have often been distant when it comes to financial advisory - in the age of the internet, we believe even the most inexperienced investor can learn with tools and resources from Sorted and MoneyHub.
  • Most investments offered by managed funds are made up of shares and bonds - you are likely to find platforms like Kernel, Flint Wealth, InvestNow cheaper compared to what a Financial Adviser offers.  

Peter, a MoneyHub user writes: "I was badly burned by a Financial Adviser a few years ago. I was told I was investing in a safe and conservative fund, but I lost 90% of my money as it turned out to be very dodgy. I later found out that the guy was employed by the fund manager, and that the Financial Adviser company was owned by the scheme! My money was blown and I got useless excuses after it all fell over. I'm still very angry."

Suggested Resources for when Meeting a Financial Adviser
  • Young and looking to meet with a Financial Adviser? A reader of the New Zealand Herald describes her experience in doing just that.  
  • A Stuff.co.nz article claimed that while there are "some excellent Financial Advisers out there, but most advisers do not have your best interests at heart - something like 80 per cent of advisers work on a commission model". Furthermore, the article claimed "commissions create a fundamental conflict of interest, and they'd have to be superhuman not to let it affect their judgment."
  • More information: We now publish and update Mary Holm's original Financial Adviser list (exclusive to MoneyHub) which has helpful tips and questions to ask.

Financial Advisors NZ

10 Financial Adviser Must-Know Facts

Financial Advisers NZ

You need to understand exactly what you are investing in

The Financial Adviser MUST make you understand what you are investing in - if you cannot understand how the investment works, you need to find another solution. Investing success requires you being comfortable with where your money goes - not understanding it means you'll have no peace of mind.
Financial Advisers NZ

You have the right to ask the Financial Adviser whatever you want

Knowing your Financial Adviser as a person is essential, and make sure you like them. If you feel as if they talk down to you or don't listen to your needs, look elsewhere - there are so many to choose from.

Ask them how long they’ve been in the business and how many clients they work with. It's also a good idea to ask how they communicate going forward - is it only via email, or do they take phone calls? If you want to understand their own investing strategy, ask what they invest in personally. A Financial Adviser who doesn't have any investments (not uncommon) is probably not someone you want to work with.
Financial Advisers NZ

Understand that you may not have instant access to your investment

Make sure you understand that if you need to withdraw money from your investment you may not be able to get it right away. Some investments have a "lock-up" period, and there may also be fees. Understanding all of this BEFORE investing is essential. 
Financial Advisers NZ

Financial Advisers are (usually) not wealthy, nor do they have millions of dollars in investments

Financial advising is not an overly lucrative career - it is a sales-based role that involves a lot of upfront time which can go unpaid if clients don't invest. If the average Financial Adviser earns 1% on the investments they manage, that's only $1,000 for every $100,000 invested. To make a decent income, they need to find either a lot of clients or a lot of clients with a lot of money, or a mixture of both. While some Financial Advisers charge upfront fees, most don't, so the advice you receive will be 'free' up to the point that you invest.
financial advisor New Zealand
Financial Advisers NZ

The most suitable investment may not be put on the table

Financial Advisers only work with a limited range of investment options - like an insurance broker to mortgage broker, they have their favourites and established relationships. This means if you're looking to invest in managed fund platforms like InvestNow, Flint Wealth and Kernel Wealth  chances are the Financial Adviser won't offer such an option.
Financial Advisers NZ

Financial Advisers were widely criticised in the 2008 global financial crisis

Many Financial Advisers were widely blamed for investing money in finance companies that failed in the last financial crisis. It's important to know that the Financial Advisers were not responsible for the investment and management decisions of failed companies. While many finance companies offered Financial Advisers hefty commissions in exchange for investments, banks and lending companies worldwide collapsed or were deeply affected by the financial crisis. Despite media reports, Financial Advisers played no direct part in the crisis.
Financial Advisers NZ

You can have more than one Financial Adviser

While you may have one lawyer, one accountant and one mortgage broker, you are welcome to seek financial advice from as many people as you want. As the fee you pay will usually be a percentage of what you invest, you have the power to invest your money where you want. If this means splitting it between two or more Financial Advisers, you are free to make that decision.
Financial Advisers NZ

Financial Advisers are best for the long-term

For most people, investing is not a short-term activity. A Financial Adviser is (in most cases) focused on wealth creation, and this is a long-term activity. Your relationship needs to stand an extended period, so having someone you trust and like as a person is vital. 

If later down the line your Financial Adviser decides to change firms, your investments usually (but not always) stay with the existing firm and won't travel over with the adviser. If you follow the adviser to the new firm you'll also have to deal with someone from the existing firm with regards to your current investments.
Financial Advisers NZ

Your Financial Adviser may be getting 'soft commission' for recommending a particular investment

Many financial institutions in New Zealand offer Financial Advisers incentives such as all-expenses-paid trips to Fiji, Las Vegas and other exotic destinations. You won't see this in your fees schedule, so it may be hard to know what the 'real' reason an adviser pushes one investment over another. This Stuff.co.nz article explains this industry-wide issue in detail.
Financial Advisers NZ

Financial Advisers must explain the tax obligations of your investments

Your investments will have tax obligations - while it's your responsibility to pay your own tax, every Financial Adviser must fully explain the tax consequences. If you don't understand how the investment's tax works, ask until you do. 

Related guides:
  • Mary Holm's original Financial Adviser list (exclusive to MoneyHub)
  • Financial Advisers in Auckland
  • Financial Advisers in Wellington
  • Investing Guide
  • Managed Funds in New Zealand
  • Shares vs ETFs
  • Index Funds
  • KiwiSaver Providers
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        • Managed Funds
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        • Investment Scams
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        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
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      • Reviews
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    • Alternative Investments and Trading
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      • Guides
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    • Cryptocurrency
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      • Guides
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        • Decentralised Finance
        • Bitcoin in New Zealand
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        • 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
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      • Car Finance Must-Knows Guides
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        • Car Loans and Collateral
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        • Balloon Payments
      • Car Finance Add-On Insurance Guides
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    • Personal Loans
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      • Harmoney Loans Review
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      • Save My Bacon Review
    • Credit Scores & Interest Rates
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      • Baycorp and Debt Collection
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      • Buy Now Pay Later Apps
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  • Insurance
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    • Pet Insurance
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    • Life & Health Insurance
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        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Calculator
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        • 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
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        • What to Do When a Spouse or Partner Dies
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  • Credit Cards
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      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
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    • Balance Transfer Credit Cards
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    • Reviews
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        • American Express Airpoints Platinum Review
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        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • RewardPay Review
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    • Guides
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    • Other Credit Cards
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      • Wise Debit Card Review
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      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
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      • Best Foreign Currency Debit & Credit Cards
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      • Q Card & Q Mastercard Review
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  • Banking & Savings
    • Banking
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      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
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    • Alternative Mortgage Options
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    • Mortgage Brokers
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      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
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    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
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    • Selling a Home
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    • Building a House
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      • Tiny Homes in New Zealand
  • KiwiSaver
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      • What's My PIR?
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        • MAS Review
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    • KiwiSaver Calculators
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  • Business
    • Compare Business Loans
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      • Prospa Business Loans Review
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    • Business Insurance
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
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    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
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      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
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    • Jobseeker Support Guide
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    • MyMSD
    • Community Services Card
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    • NZ Superannuation in a Nutshell
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    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
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      • Food Banks Auckland
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  • Motoring
    • Buying and Selling a Car
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      • CarJam Review
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      • Top Cars that Hold Their Value
      • Vehicle Leasing
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    • Everyday Driving
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      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
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  • Law
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  • Job Hunting
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    • Guides & Resources
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    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
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  • Travel
    • How to Get Access to Airport Lounges
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    • Air New Zealand Koru Membership Review
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    • Cheap Domestic Flights
    • Car Rental Hire
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    • Queenstown Like a Local
    • Auckland Travel for Less
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    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
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    • Google Flights Guide
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    • Foreign Currency Exchange
      • Australian Dollars Exchange Rate
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  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
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      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
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  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
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      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
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      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
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    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
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      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
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      • Bathroom Renovations Wellington
      • Builders Wellington
      • Building Inspectors Wellington
      • Car Detailing Wellington
      • Catering Wellington
      • Cattery Wellington
      • Dog Boarding Kennels Wellington
      • Dog Daycare Wellington
      • Dog Grooming Wellington
      • Firewood Wellington
      • Glaziers Wellington
      • Gym Memberships Wellington
      • Heat Pump & AC Specialists Wellington
      • Lawn Mowing Services Wellington
      • Mechanics Wellington
      • Panel Beaters Wellington
      • Personal Trainers Wellington
      • Pest Control Wellington
      • Plumbers Wellington
      • Puppy School Wellington
      • Roofing Wellington
      • Wedding Photographers Wellington
    • Christchurch Trade Services
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      • Bathroom Renovations Christchurch
      • Builders Christchurch
      • Building Inspectors Christchurch
      • Car Detailing Christchurch
      • Catering Christchurch
      • Cattery Christchurch
      • Dog Boarding Kennels Christchurch
      • Dog Daycare Christchurch
      • Dog Grooming Christchurch
      • Firewood Christchurch
      • Glaziers Christchurch
      • Gym Memberships Christchurch
      • Heat Pump & AC Specialists Christchurch
      • Lawn Mowing Services in Christchurch
      • Mechanics Christchurch
      • Panel Beaters in Christchurch
      • Personal Trainers Christchurch
      • Pest Control Christchurch
      • Plumbers Christchurch
      • Puppy School Christchurch
      • Roofing Christchurch
      • Wedding Photographers Christchurch
    • Hamilton Trade Services
      • Arborists Hamilton
      • Bathroom Renovations Hamilton
      • Builders Hamilton
      • Building Inspectors Hamilton
      • ​Car Detailing Hamilton
      • Catering Hamilton
      • Cattery Hamilton
      • Dog Boarding Kennels Hamilton
      • Dog Daycare Hamilton
      • Dog Grooming Hamilton
      • Glaziers Hamilton
      • Gym Memberships Hamilton
      • Heat Pump & AC Specialists Hamilton
      • Lawn Mowing Services Hamilton
      • Mechanics Hamilton
      • Panel Beaters Hamilton
      • Personal Trainers Hamilton
      • Pest Control Hamilton
      • Plumbers Hamilton
      • Puppy Schools Hamilton
      • Roofing Hamilton
    • Tauranga Trade Services
      • Arborists Tauranga
      • Bathroom Renovations Tauranga
      • Builders Tauranga
      • Building Inspectors Tauranga
      • ​Car Detailing Tauranga
      • Catering Tauranga
      • Cattery Tauranga
      • Dog Boarding Kennels Tauranga
      • Dog Daycare Tauranga
      • Dog Grooming Tauranga
      • Glaziers Tauranga
      • Gym Memberships Tauranga
      • Heat Pump & AC Specialists Tauranga
      • Lawn Mowing Services Tauranga
      • Mechanics Tauranga
      • Panel Beaters Tauranga
      • Personal Trainers Tauranga
      • Pest Control Tauranga
      • Plumbers Tauranga
      • Roofing Tauranga
    • Dunedin Trade Services
      • Builders Dunedin
      • Building Inspectors Dunedin
      • Car Detailing Dunedin ​
      • Catering Dunedin
      • Firewood Dunedin
      • Gym Memberships Dunedin
      • Heat Pump & AC Specialists Dunedin
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