MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Best Investment Apps
        • 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
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • How to Invest in the NASDAQ from New Zealand
        • 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
        • Popular Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Popular Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pathfinder Managed Funds Review
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Australian Investment Funds
        • Advisers & Wealth
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Whanganui
          • Financial Advisers Kapiti
          • Financial Advisers Wairarapa
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Craigs Investment Partners Review
          • Craigs vs Forsyth Barr vs JBWere
          • Lighthouse Financial Services Review
          • Wealth Advisers Auckland
          • Wealth Advisers Hamilton
          • Wealth Advisers Tauranga
          • Wealth Advisers Napier & Hastings
          • Wealth Advisers Palmerston North
          • Wealth Advisers Lower Hutt & Upper Hutt
          • Wealth Advisers Wellington
          • Wealth Advisers Nelson
          • Wealth Advisers Christchurch
          • Wealth Advisers Dunedin
        • Bank Credit Ratings
        • Depositor Compensation Scheme (DCS) Explained
        • Tax on Investments and Savings
        • Tax Efficient Investing
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Leading 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
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • 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
        • 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
          • 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
    • Best Car Finance
      • Loan Types
        • Electric Vehicle Loans
        • Car Loan Refinance
        • Bad Credit Car Loans
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        • Business Vehicle Loans
        • Asset Finance
      • Tools & Calculators
        • Car Finance Calculator
        • Car Loan Amortisation Calculator
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        • Motorcycle and Moped Loan Calculator
        • Asset Finance Repayment Calculator
        • Boat Financing Calculator
      • Resources
        • Car Finance Documents Checklist
        • Car Dealership Finance vs Alternatives
        • 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 Loan Brokers vs Direct Car Finance
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Simplify Car Loans - Real Customer Reviews & Facts
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • Simplify vs MTF vs UDC vs Heartland
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance by Vehicle
        • Toyota Aqua Financing Guide
        • Toyota Corolla Financing Guide
        • Toyota HiAce Financing Guide
        • Toyota RAV4 Financing Guide
        • Toyota Hilux Financing Guide
      • Car Finance Add-On Insurance
        • Compare Mechanical Breakdown Insurance
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • PPI (Payment Protection Insurance)
    • Best Personal Loans
      • Loan Types
        • Debt Consolidation Loans
        • Secured Loans
        • Bad Credit Loans
        • Green Loans
        • Dental Loans and Finance
        • Home Renovation Loans
        • Online Loans
        • Cash Advance
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        • Low Income Loans
        • Beneficiary Loans
      • Tools & Calculators
        • Personal Loan Calculator
        • Debt Consolidation Calculator
        • Refinance Personal Loan Calculator
        • Home Renovation Loan Calculator
        • Interest Calculator
      • Lender Reviews
        • Harmoney Loans Review
        • Nectar Review
        • Avanti Finance Review
        • Money Sweetspot Review
        • Save My Bacon Review
      • Credit Health
        • How to Build Credit in New Zealand
        • Credit Scores and Credit Checks
        • Interest Rates Guide
        • Interest Rate Comparison
      • Debt Solutions
        • How to Pay Down Debt Faster
        • Baycorp and Debt Collection
        • The Dangers of Debt Consolidation
        • Using Home Equity for Non-Essential Expenses
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Overview
    • Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Cove Car Insurance - Real Customer Reviews & Facts
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home & Contents Insurance
      • House Insurance
      • House Insurance Calculator
      • Home and Contents Insurance
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Area Replacement vs Sum Insured
      • Natural Disaster House Insurance
      • MAS House Insurance - Real Customer Reviews & Facts
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Renters' Insurance
      • Students Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
    • Life & Health Insurance
      • Compare Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Explained (Videos)
        • 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
        • Health Insurance Explained (Videos)
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • Income Protection Insurance Explained (Videos)
        • 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
    • 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
    • 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
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
      • ACC CoverPlus Extra (CPX) Explained
      • Co-Shareholder Insurance Cover
    • Find a Broker
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
  • 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 Have Ended – Best Replacement Options
      • BNZ Advantage Credit Cards Are Changing (Not Good News) – 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
        • AMEX Airpoints Platinum - Real Cardholder Reviews & Facts
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • 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
      • China Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • South Korea Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Sending Money to Australia
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2026 & 2027
      • 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
      • Self-Employed Mortgage Applications
      • Interest Rate Strategies
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Top 10 Areas for First Home Buyers 2025
      • 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
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
    • KiwiSaver Schemes
      • 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
        • Pathfinder vs ANZ KiwiSaver Growth Funds Comparison
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business Loans & Tools
    • Business Bank Accounts
    • Business Credit Cards
      • American Express Gold Business Card Review
    • Compare Business Loans
      • Small Business Loans
      • Prospa Business Loans Review
      • Business Line of Credit
      • Business Borrowing Options
      • Business Loan Calculator
      • Invoice Finance
      • Business Loan Brokers Explained
      • Commercial Vehicle Finance Options
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Wise Business Account Review
    • 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
      • Provisional Tax
      • Lighthouse Accounting Services Review
      • PAYE Tax Rates 2025 & 2026
      • Tax Codes in New Zealand
      • Minimum Wage
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • 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
      • Digital Marketing Agencies Auckland
      • Video Production Auckland
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
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    • Pet Insurance
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    • Business Insurance
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  • Credit Cards
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      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Reviews
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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  • Mortgages
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      • Top 10 Areas for First Home Buyers 2025
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Selling a Home
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      • Bridging Finance
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      • Trusts vs LTCs vs Companies
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    • Building a House
      • NZCB Review
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      • Construction Loans
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  • KiwiSaver
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      • KiwiSaver Must-Know Facts
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      • Feijoa Review
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    • KiwiSaver Calculators
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Saily Review
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    • Apple Watch Buying Guide
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  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
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      • Skinny Review
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  • Power
    • Compare Power Companies
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    • Electric Vehicle Power Plans
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    • Power Companies
      • Contact Energy Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
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      • 10 Things to Do Differently with Money in 2026
      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Ways to Save on Household Bills
      • 20 Supermarket Ripoffs
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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      • Tips for Families on a Single Income
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    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
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      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
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      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
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    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Accountants in Auckland
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      • Tax Refunds
  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
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      • Temu Review
      • Affordable Online Clothes Shopping
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      • Black Friday New Zealand Deals
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    • Living Essentials
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How to Get Promoted at Work

Being proactive, helpful and anticipating the needs of others are just some of the ways to stand out - our guide reveals must-know tips to become an all-rounder at work

How to get promoted at work
Updated 8 September 2025
​How to get promoted at work is rarely talked about, even if many employees think about it regularly. In this guide, we outline proven ways to stand out and be noticed as a diligent team member who makes a difference. In any job, there’s always space to grow, learn more and step up responsibilities. Promotions don’t always come with significant pay raises, but moving up the ranks is likely to offer more job satisfaction and a sustained feeling of accomplishment. 

​Our Guide Covers:
  • ​Know This First - It's All About Attitude
  • 11 ​Must-Know Tips to Get Promoted at Work​
How to get promoted at work

​Know This First - It's All About Attitude

Generally, the way to earn a promotion is to excel at your current job and have the right attitude. But beyond that, there’s a lot of ‘soft skills’ that make a difference to how you’re perceived. In many companies, your ‘personal brand management’ can be as important as the work you deliver.

In preparing this guide, we’ve included a selection of comments from MoneyHub users who contributed their insights and suggestions. The intention is to provide a complete guide and give you all the opportunities to thrive no matter where you work or what you do.

As a background, part of this guide were first published in MoneyHub Senior Researcher Christopher Walsh's column in Stuff.co.nz. If you have a tip or comment you think will help improve this guide, please contact our research team.
How to Get Promoted

11 ​Must-Know Tips to Get Promoted at Work​

How to get promoted at work

Auto-schedule emails for 7:55am weekday mornings

Most email applications do this – GSuite, Outlook and Airmail (known as a ‘sending delay’) all offer the ability to schedule emails for the time you want to send them.

We believe that sending non-urgent emails after 5pm is pointless if they can be sent tomorrow. The later into the evening you send them, the more disorganised it looks. Rather than replying towards the end of the day (or starting a new chain), we suggest bulk-automating your (non-urgent) emails for the next morning. You can then write without rushing and have the confidence that your email will be sent first thing in the morning.

Once the email is sent, you’ll appear fresh, enthusiastic, and the contents will get more traction when it comes to responses. There’s nothing more satisfying than scheduling three or four emails for the next day knowing that you’re going to be taken seriously.
How to get promoted at work

Never leave your desk without a piece of paper in your hand.

Again, like sending emails before office hours, this tip is all about managing the perception of your workmates. Having a piece of paper in hand gives you a purpose; you’re seen as doing stuff, and the paper shows that you’re working (and not aimlessly walking around, which is a risk if you don’t have a paper with you).
How to get promoted at work

Shake the tree.

No matter the size of your workplace, people are always leaving. The best way to get ahead is to step up and take on more responsibility when people change jobs. For example, if someone hands in their notice, finding out what they do gives you an opportunity to take over some responsibilities. In almost every situation, there’s nothing more helpful to a manager than a proactive employee who anticipates a disruption (i.e. the employee leaving) and offers a solution. When you step up, you can manage more of the responsibilities and tasks you enjoy. At the same time, you can actively hand over the tasks you like least to the new replacement (or someone else if you’re not replacing the departed employee).
​

MoneyHub Founder Christopher Walsh recalls his experience:
“When I worked at an accountancy firm as an auditor, we would have a dozen or so clients every year to visit. When you start, you have no choice as to what clients you work on. However, as weeks went on, you’d learn more about the clients the company had – some were interesting while others were not. The best way to line up the clients you want to work on was to find out who the manager was and express interest in working on the client. In my second year, I went up a couple of gears and kept aware of who had resigned (which was quite regular). When this happened, I’d find out what clients the person worked on and email the manager of the clients pitching my services. It didn’t take long to build up a roster of clients I loved, avoiding the random assignments that many of my workmates faced.
How to get promoted at work

Identify yourself with a brand.

It’s tricky to re-invent yourself without changing jobs, and this one is best explained with examples. However, the essence of this tip is that it’s best to be associated with something ‘good’ rather than something unrelatable.

MoneyHub Founder Christopher Walsh recalls his experience:
“When I worked in Auckland, my workmate was actively involved as a volunteer for Surf Life Saving. An organisation that saves lives is very positive, so he had a lot of respect. Best of all, it was all genuine. Alongside him was a girl who was proactive in her local church. Again, the church was known for its work in the community and donating food parcels. On the flip side, there was someone who made it known he was being invited to exclusive ‘A-list’ events with ‘Auckland’s A-listers’. This was less relatable, arguably somewhat vacuous and didn’t gel well with the rest of the company. Ultimately, the more genuine and authentic you are in your personal life, the more you’ll be respected at work. Bragging about your charitable deeds is tacky and ineffective; authenticity is the key here.
How to get promoted at work

Treat the office kitchen like your parents-in-law’s home.

In short, don’t leave a mess or dirty dishes. If the coffee machine is out of the milk, top it up. It may be obvious, but so many people think it’s “someone else’s job”. The reality is that it’s (usually) not – a workforce is a team, and everyone can help out by doing simple tasks. The person who dumps mugs in the sink and walks out when there is a dishwasher beside them will, in many cases, be remembered.
How to get promoted at work

Be kind to everyone equally.

People talk. The least liked person at an office is the one who blatantly sucks up to the powerful while ignoring others seen to be ‘less useful’. Such behaviour is, in most companies, perceived very negatively. This is best explained in an example:

MoneyHub Founder Christopher Walsh recalls his experience:
“When I worked in Auckland, there were a couple of men at the company I worked for who, for whatever reason, weren't very nice to women. While they were fine at their job, this trait arguably influenced their reputation within the company. Needless to say, they weren't well liked, rarely put up for promotion and, presumably, didn't enjoy the work very much.
MoneyHub

Strongly consider the optics before negotiating “improvements” such as a pay rise of flexible working (if the business is struggling)

You may want to work part-time to save the business money, but this can signal you’re less committed or focused. While MoneyHub believes flexible working is a great concept with real benefits, in many struggling businesses that won’t be an option. In addition to this, discussing a pay rise when sales are down will likely result in some push back.

Ultimately, we believe that showing commitment to your employer (without being taken advantage of) is the best demonstration of loyalty. For example, if you’re asked to increase your hours and/or responsibilities, stepping up and saying yes without hesitation is the way employers shortlist those for further promotion.
How to get promoted at work

How far you climb at work is mostly about your attitude.

Being helpful, anticipating the needs of seniors and delivering quality are some of the basics of bringing the right attitude. In a nutshell, "be awesome" is the best way to be. Not dumping stuff on workmates, not going missing or avoiding trash talk about clients, customers and those you work with are some other basics. 

MoneyHub Founder Christopher Walsh recalls his experience:
“When I did a summer internship while at university, I was surprised to see the varying attitudes within the intake. While everyone was really nice and happy to have the opportunity, there were a few people who couldn't be bothered (even though none of us had a confirmed place after graduation). One intern proudly told people he found the perfect hot desk spot where no one could see him instant-message all day. Another decided to quit half way through and enjoy the summer, and yet both expected to be offered a full-time positions. Neither were offered jobs. Attitude is everything". 
How to get promoted at work

Apply for other jobs

Applying for other jobs that are a level above your current position is a strong signal to your current bosses that they should not take you for granted. You’ll need to provide a reference, and existing employers are the best people to do this. By making your company aware that you’re looking to step up, it also makes them aware that you want a promotion. 

Going to an interview is an opportunity to test your skill and professionalism in a different working culture and environment. Employees can get somewhat ‘institutionalised’, and there’s a lot to learn by attending a job interview. Even if you are not successful, you will gain invaluable insights into another organisation’s strengths and weaknesses. Furthermore, if you are unsuccessful, there is a chance it changes and improves the perception you have of your current job.

Redoing your CV is great for self-reflection and looking at areas of strength and where you would like to develop your career next, whether you stay at the same company or move elsewhere. 

A MoneyHub user mentions:
"I work at a high school, and the Principal has repeatedly said that if you are looking for recognition and promotion, then the best way to get it is to apply for other jobs. He firmly believes that by doing so, senior management notices you."​
How to get promoted at work

Establish yourself as a helpful, go-to person

Again, this can be harder to do if you're already working for the company, but it's an essential skill and gives you a lot of goodwill. If you actively solve problems (without becoming a doormat or dumping ground), you'll become invaluable and learn a lot in the process. People who help others generally get more opportunities and build higher profiles which are considered during promotion rounds. 

MoneyHub Founder Christopher Walsh recalls his experience:
"At my first office job, there were two people who sat beside each other and had vastly different attitudes. One would eye-roll if you approached them. In one case, asking if this person needed the stapler gave rise to a blunt and rather unfriendly "does it look like I'm using the stapler?" response. The other person would always take the time to help you, explain a concept, fix a problem or generally be nice. It's no surprise that the helpful one went on to become a CFO at a well-liked SME whereas the 'stapler demon' disappeared without a trace."
How to get promoted at work

Document your successes, advancements and wins (and communicate them succinctly with purpose).

Monthly emails to your performance manager or boss with the subject line 'Progress Report' (or similar) will help support your growth. If you list 5 to 10 real achievements, you'll stay ahead of the pack by being proactive.

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    • Pet Insurance
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    • Business Insurance
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  • Credit Cards
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      • Kiwibank Airpoints Cards Have Ended – Best Replacement Options
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      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Balance Transfer Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • Qantas Credit Cards
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        • RewardPay Review
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  • Travel Money Cards
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    • Travel Money By Country
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  • Banking & Savings
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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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    • Alternative Mortgage Options
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      • Saving for a House Deposit
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      • Top 10 Areas for First Home Buyers 2025
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      • 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
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • New Zealand Property Types
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    • Selling a Home
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      • Bridging Finance
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      • Trusts vs LTCs vs Companies
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      • 20 Property Investment Risks You Can't Ignore
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    • Building a House
      • NZCB Review
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      • Construction Loans
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  • KiwiSaver
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      • KiwiSaver Must-Know Facts
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      • Feijoa Review
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    • KiwiSaver Calculators
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    • For Startups
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  • MSD
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  • Motoring
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    • Car Dealerships Explained
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    • Warrant of Fitness
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  • Law
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Revolut eSIM – Real User Reviews, Facts & Comparison
    • Saily Review
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    • Apple Watch Buying Guide
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    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
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      • 2degrees Broadband Review
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      • Skinny Review
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  • Power
    • Compare Power Companies
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    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
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    • Power Companies
      • Contact Energy Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
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      • 10 Things to Do Differently with Money in 2026
      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Ways to Save on Household Bills
      • 20 Supermarket Ripoffs
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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      • Tips for Families on a Single Income
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    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
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      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
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      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
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    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Accountants in Auckland
      • Accountants in Wellington
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
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      • Temu Review
      • Affordable Online Clothes Shopping
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      • Black Friday New Zealand Deals
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    • Living Essentials
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    • Wedding Resources
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      • What Employers Want (and Understanding NZQF)
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      • What to Study in 2026
      • Alternative Study Providers
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