MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
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  • Banking & Savings
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  • KiwiSaver
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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How to Invest in Gold - The Definitive New Zealand Guide

Our guide explains everything you need to know before investing in gold, and outlines gold investment products specifically available from New Zealand.
Investing in Gold NZ
Updated 24 April 2024

Background: As humans, we have a natural attraction to gold. Gold is the original form of money; the precious metal has been used as a medium of exchange for several thousand. Somehow, numerous ancient isolated cultures worldwide recognised the rare metal as a store of value and wealth. Today, there are numerous gold and gold-derivative products for investing or speculating.

In this guide, we outline the different gold investment products, such as buying physical coins and bullion. We also explain related products like mining stocks, or gold themed exchange-traded funds (ETFs) and a handful of derivative products. We cover:
  • Buying Gold - an Introduction to Coins, Bars and Jewellery
  • Introduction to the New Zealand Mint
  • Where to Buy Gold in New Zealand
  • Gold - Taxes, Travelling and Safety
  • Understanding Gold Premiums
  • Other Ways to Invest (or Speculate) with Gold
  • Investing in Gold - Frequently Asked Questions

Disclaimer: This guide is for educational purposes only and should not be interpreted as investments advice. This guide’s contents simply present various investment products associated with gold but do not suggest the appropriateness of any of these products to our readers.
Summary of investing in gold
  • Physical gold comes from different producers in various formats, weights and purities; all of these attributes affect the prices you buy for and the price you may sell at in the future.
  • Unfortunately, there is an active counterfeit gold market and other fraud and theft risks involved in buying and selling gold. Before keeping any quantity of gold at your home, you should evaluate the risks and consider professional storage solutions. Both approaches have pros and cons. Bullion Buyer was a fraudulent gold scheme that collapsed in 2012 and we believe there are many more currently operating.
  • The New Zealand Mint is a privately owned company, unlike other mints in the commonwealth, such as Royal Mint, Perth Mint, and Royal Canadian Mint, which are owned by their respective state governments.
  • New Zealand boasts several reputable dealers where you can buy gold in New Zealand dollars online.
  • Various mints offer gold investment products allowing you to buy gold incrementally on an account where you don’t need to worry about buying fixed weights or paying premiums on physical coins.
  • There are various indirect ways to invest in gold, such as investing in gold mining companies. Examples include Barrick Gold Corp ($GOLD), ETFs tracking gold mining companies like the VanEck Vectors Gold Miners ETF ($GDX), or an ETC tracking the price of gold such as the iShares Physical Gold ETC ($SGNL). We do not endorse these investments in any way and only list them for relevance.​

Your free guide to investing and trading in gold, thanks to BlackBull Markets

Blackbull Gold Trading and Investing
Visit Blackbull Markets
  • BlackBull Markets is a multi-award-winning commodities broker, founded, owned, and operated in New Zealand.​
  • BlackBull Markets provide retail investors with an institutional-grade trading experience, including XAU/USD (Gold vs US Dollar) exposure.
  • Their platform gives access to 300+ tradeable instruments including gold, silver, and oil.
  • For more details, read our BlackBull Markets Review or visit their website.

Buying Gold as an Investment NZ

Buying Gold - an Introduction to Coins, Bars and Jewellery

​There are three primary ways to buy physical gold: coins, bars and jewellery. When deciding which to invest in, you should consider the characteristics of each format, which we outline in detail below.​

1. Buying Gold Bullion Coins

Know this:
  • Bullion coins come in different weights, purity and may or may not have a face value.
  • Some coins are widely distributed, and others may be limited edition. Second-hand coins may be damaged, making them harder to authenticate.
  • Coins can only be minted by mints authorised or owned by the government or state where it operates. 

Know This: What are the most popular coins?
  • The most popular investment coins are Britannias, Australian Nugget, Canadian Maples, American Eagles and Vienna Philharmonic and South African Krugerrands.
Coin
Mint
Fineness
Face value (1 ozt)
Denominations ozt
Britannia
Royal Mint
999.9 (24 carats)
£100
1, ½, ¼, 1/10
Australian Nugget
​Perth Mint
​999.9 (24 carats)
​AU$100
​1kg, 10, 1, 1, ½, ¼, 1/10, 1/20 
​Canadian Maple
​Royal Canadian Mint
​999.9 (24 carats)
​CA$50
​1, ½, ¼, 1/10, 1/20, 1g 
​American Eagle
​US Mint
​916.7 (22 carats)
​US$50
​1, ½, ¼
Vienna Philharmonic
Austrian Mint
​999.9 (24 carats)
​€100
​1, ½, ¼, 1/10, 1/25  
​South African Krugerrand
​Rand Refinery
​916.7 (22 carats)
​N/A
​1, ½, ¼, 1/10, 1/20, 1/50 
As you can see from the table above, each coin has a fineness and face value. Coins may also have different compositions or be available in various denominations. 

Although a coin might have lower fineness, it will still have the specified amount of gold. For example, a Britania coin is 99.9% gold and weighs 31.1 grams, whereas an American Eagle contains 91.67% gold but weighs 33.93 grams to account for the other metals in the composition. The American Eagle contains 91.67% gold, 3% silver, and 5.33% copper, whereas the South African Krugerrand is 91.67% gold and 8.33% copper.

What is the best gold coin to buy?

While MoneyHub never offers any form of investment advice, logic would suggest the best option for investing in gold coins would be similar to the following strategy:
  1. ​Buy internationally recognised coins that everyone is familiar with, and buy standard 1 troy ounce weights.
  2. Avoid having an inconsistent collection of coins.
  3. If you want to sell multiple coins to the same person, it’s easier for them to authenticate a set rather than several different coins with individual hallmarks and security features.

2. Buying Gold Bullion Bars

Gold bars are a popular product for investing in gold. They come in various sizes, so you can scale all the way down to 1g and up to 1kg. Bars are generally cheaper than coins since they are easier to produce due to the lack of detail and intricacies in the production process.

Unlike coins produced by authorised mints either owned by or closely affiliated with the state issuing the coins, bars are also produced by refineries. 

Here’s a brief list of popular gold refineries producing gold bars that you’ll see listed on various dealers’ websites:
  • PAMP SA - Switzerland
  • Argor-Heraeus SA - Switzerland
  • Tanaka Kikinzoku Kogyo K.K. - Japan
  • Heraeus - Germany
  • Credit Suisse - Switzerland
  • Valcambi SA - Switzerland

Gold bars are produced by mints such as Perth Mint, Royal Mint, not just refineries. This means the number of producers for bars is significantly greater, leading to some uncertainty when selling. Refineries are private businesses and may be acquired or merged, causing the name to change or go out of business completely. Although the Royal Mint could be dissolved in the future, it would remain a legacy institution and part of centuries of British history and not quickly forgotten. This may seem far fetched but imagine for a second what if your children or grandchildren are selling the gold bars you passed on to them.​

What is the best size gold bar to buy?

It depends on how much you’re prepared to invest and what your objectives are. The smaller the bar, the higher the premium you pay in proportion to the metal’s value. The cost to mint or stamp a bar and then package and transport it will be roughly the same whether it’s a 1g or 1 ozt bar.

3. Buying Gold Jewellery for Investing

Many consider buying jewellery as an instrument for investing in gold. In 2019, 48.5% of the global gold demand was attributed to jewellery, and only 29.2% was for investment. Gold jewellery adds another dimension to your investment; fashion. Instead of locking away coins or bars in a safe, you can opt for rings and chains. 

Know this:
  • Whenever you buy gold jewellery, it will never be 24 carats. Gold is a soft metal that you can easily damage, especially if you’re wearing it on you. Gold is alloyed with copper and zinc, and 22 carat is the purest you’ll find.
  • 22 carat means it contains 91.67% gold, mixed with 8.33% of other precious or base metals; it’s the same fineness as the American Eagle and Krugerrand coins.
  • 18 carat means it contains 75% gold and 25% other metals.
  • Keep in mind that white and rose gold are alloys mixed with different metals to alter the colours. White gold could be blended with palladium, platinum and silver; the typical composition of 14 carats white gold is 58.3% gold, 32.3% silver and 9.5% palladium.

Rose gold is blended with copper and silver to gain a rosy colour. 14 carat rose gold is 58.3% gold, 32.5% copper and 9.2% silver.

When you buy gold jewellery, you’ll pay a much higher premium to cover the cost of the jeweller's time. When it comes time to sell, it will be much harder to find someone who wants to buy the item as it is, meaning you’ll probably sell for the scrap price as it will be melted down and repurposed.

NZ Mint

Introduction to the New Zealand Mint

The New Zealand Mint is the only mint in New Zealand. Contrary to what the name suggests, NZ Mint is not the national mint of New Zealand. It is a privately owned company. The mint is not authorised to produce New Zealand dollars; however, it does produce bullion coins for some Pacific Islands like Niue and Fiji, which can be licensed to other countries.

For example, the Czech Mint’s Czech Lion flagship coin has a face value of NZD$50, issued by Niue, minted by NZ Mint. Some coins minted by NZ Mint have a face value, such as the 1oz Gold Turtle, issued by Niue, with a face value of NZ$250, whereas the 1oz Gold Kiwi does not have a face value.

Instead of using NZ Mint, the Reserve Bank of New Zealand uses the Royal Mint and Royal Canadian Mint to produce banknotes and coins for the legal tender in circulation.

Buying Gold as an Investment NZ

Where to Buy Gold in New Zealand

New Zealand is fortunate to have several reputable gold dealers that sell new coins and bullion and repurchase them. We list three popular dealers below - the inclusion of any company listed below is not an endorsement.
NZ Mint

NZ Mint

As outlined above, the New Zealand Mint is a reliable place to buy bullion in New Zealand. Although it’s a reputable company, the range of investment products is limited and does not offer coins or bars smaller than one ozt, unless you want a Harry Potter or Mickey Mouse coin, then ¼ ozt coins are available. It would be fair to categorise those coins as collectables rather than investments. If you’re looking to invest large amounts over a long-term horizon, it might be a good option for secure storage.

An account is not required to purchase coins from NZ Mint, and you can pay in USD or NZD by bank transfer, PayPal, Visa or Mastercard.
MyGold NZ

MyGold

MyGold is a popular bullion dealer with a wide range of products. The company is an authorised distributor of the Perth Mint, Royal Canadian Mint and South African Mint. As a result, they stock Nuggets, Maples and Krugerrands. They even stock a variety of Chubb safes to keep your valuables safe at home. 

MyGold offers safety deposit boxes in Auckland. The primary characteristics are:
  • 100% allocated, meaning your property is recorded as yours and cannot be accidentally sold to other customers;
  • segregated, meaning your gold is not commingled with other customers; and,
  • insured, meaning that in case of theft, destruction or another worst-case scenario, you will be protected from their negligence.

MyGold offers a few ancillary services worth knowing about. They will buy back most coins and bars and any gold jewellery and offer gold testing using advanced techniques.
New Zealand Gold Merchants

New Zealand Gold Merchants

New Zealand Gold Merchants is a refinery based in Auckland. From the company’s website, you can buy a variety of globally recognised coins, minted bars from PAMP and ABC Refinery and their own brand of cast bars called NZ Pure, which are available in sizes between 1/2 ozt and 1kg.

New Zealand Gold Merchants buys old gold and silver and from jewellery or bullion. The prices they offer are transparently quoted for different purities in grams on their website.

They also offer a gold and silver storage saver account that allows you to buy gold in increments of 1g incrementally. The gold is sold for spot price plus 3.5%, which allows you to avoid paying high premiums on coins, bars or jewellery. At any time, you can sell the gold accrued in your account back to New Zealand Gold Merchants, and you can convert your gold into physical bars on demand.

Buying Gold as an Investment NZ

Gold - Taxes, Travelling and Safety

Gold is not like a standard investment, although it's less complex than you may think. To help you understand the unique characteristics, we outline the tax, travel and security issues below.

New Zealand Taxes on Gold

According to the IRD, in New Zealand, if the fineness of the gold is greater than 99.5%, it is exempt from Goods and Services Tax (GST). Therefore, if you bought an Australian Nugget which is 99.99% fine, no GST would be added to the purchase price. However, if you bought an American Eagle, which is 91.67% fine, then GST is applicable.

Unfortunately, whether you should pay tax on the profits earned when selling gold is unclear. As there is no capital gains tax (CGT) in New Zealand, that’s not something you need to worry about. However, there are several specific rules concerning the tax obligation when disposing of certain assets, such as property, businesses or shares, but the Inland Revenue does not explicitly mention gold. In most cases, ignorance of the law is not a valid defence when defending your actions.

Whether you pay tax on the profits of a gold sale is subjective and something you should discuss with a qualified accountant or tax advisor. The advice you get will probably depend on your circumstances, such as how long you owned the gold, how much gold you’re selling, and the reason you’re selling.

For reference, in the UK, value-added tax (VAT), which is equivalent to GST, does not apply to any investment gold coins or bars. Capital gains tax applies to any profits from the sale of gold investments, except Britannia and Sovereign gold coins classed as currency and sterling are not considered assets for capital gains calculations.

Travelling with Gold

Travelling with gold can be complicated as rules vary depending on the departure and destination countries, the type of gold you’re travelling with and how much you have.

Most countries have a requirement to declare how much cash you’re taking from or bringing to their country according to global anti-money laundering efforts. When you depart from or arrive in New Zealand, you must complete an NZCS 337 Border Cash Report if you’re carrying NZ$10,000 or more in cash or foreign equivalent. Gold is considered cash, and therefore its value should be factored into whether you’re exceeding the limit.

It is not illegal or prohibited to carry more than NZ$10,000 in gold, but it is a nuisance, and you should be prepared to justify how you acquired it. 

Many people naively assume that gold coins can be declared based on their face value. If you’re travelling with five Britannia coins with a face value of £100 each, you’re not actually travelling with £500 (NZ$1,000). If the current market value is NZ$2,500 per ozt, it would mean you’re travelling with an equivalent of NZ$12,500.

Some countries can have very creative rules for travelling with gold. In India, men have a duty free allowance of ₹50,000 (NZ$1,000) worth of gold, and women may travel with twice as much. Coins and bars are not permitted, only jewellery. Duty charged may be either 10% or 36.05%, depending on the quantity and how long you have been out of the country.

How to Keep Your Gold Safe

If you’re keeping your gold at home, there are several precautions to consider taking:
  • Don’t tell anyone you keep gold at your house. Even if you tell someone you trust, they may share it with people you don’t know.
  • Buy a safe with a fire-resistant rating. Even if you can’t bolt it down, it will still make it harder for thieves and protect your gold in the event of a fire.
  • Check that your contents insurance covers gold and what the maximum payout would be in the event of an accident or incident.

Larger bullion suppliers offer storage solutions for a fee. If your gold investment is large enough, it would be appropriate to consider keeping it in a vault or safety deposit box. Storing your gold with a vault also saves on delivery costs, making it easier to invest with international dealers or producers.​

Buying Gold as an Investment NZ

Understanding Gold Premiums

The price of gold you see in trading platforms, shown on TV or given when you search online, is known as the spot price. The spot price is the international benchmark for raw metal and does not consider other factors like production, packaging, operational costs, logistics, or profit margins for dealers. We’re going to compare a few options with products and prices taken from New Zealand Gold Merchants (GoGold).

Important: Our researched for the following comparison was prepared on 4 October 2022. ​The spot price was
$3,002.09

When prices have been around NZ$2,500, we have noted the following premiums and prices per gram:
Product
Weight
​Price (NZ$)
Premium (NZ$)
Premium (%)
​Price per gram (NZ$)
Royal Mint Britannia Coin Gold
1/10 ozt
294.90
47.32
16.05
94.82
​Royal Mint Britannia Coin Gold
1/4 ozt
​701.20
​82.26
​11.73
​90.18
​Royal Mint Britannia Coin Gold
​1/2 ozt
​1,359.30
​121.42
​8.93
​87.41
​Royal Mint Britannia Coin Gold
​1 ozt
​2,645.70
​169.94
​6.42
​85.07
​PAMP Suisse Gold Minted Bar
​1g
​111.20
​31.59
​28.41
​111.20
​PAMP Suisse Gold Minted Bar
​5g
​453.90
​55.87
​12.31
​90.78
​PAMP Suisse Gold Minted Bar
​20g
​1,702.70
​110.57
​6.49
 85.14
​PAMP Suisse Gold Minted Bar
​1 ozt
2,638.90
​163.14
​6.18
​84.85
​PAMP Suisse Gold Minted Bar
​50g
4,192.20
​211.88
​5.05
​83.84
Besides different weights having varying premiums, some producers have a tendency to be cheaper than others, which makes sense, as the NZ Pure bars produced domestically by GoGold are understandably going to be cheaper than those imported from Switzerland.

The table below compares different products that all contain one troy ounce:​
Product
Weight
​Price (NZ$)
Premium (NZ$)
Premium (%)
NZ Pure Gold Cast Bar
1 ozt
2,568.70
92.94
3.62
​ABC Bullion Gold Cast Bar
​1 ozt
​2,587.70
​111.94
​4.33
​ABC Bullion Minted Tablet Gold
​1 ozt
​2,605.70
​129.94
​4.99
PAMP Minted Bar Gold
​1 ozt
2,638.90
​163.14
6.18
​Royal Mint Britannia Coin Gold
​1 ozt
​2,645.70
​169.94
​6.42
​Royal Canadian Mint Maple Gold
​1 ozt
​2,649.90
​174.14
​6.57
​Royal Australian Mint Gold Kangaroo
1 ozt
​2,664.90
189.14
​7.10

Buying Gold as an Investment NZ

Other Ways to Invest (or Speculate) with Gold

There are many ways to invest or trade in gold, as we outline below:

1. Gold Investment Plans

Many gold dealers and refineries offer precious metal investments accounts that allow you to buy increments of gold and silver over time and adjust the amount you buy and when you buy. The advantages of precious metal investing account are that you can gradually increase your exposure without paying high premiums on smaller bars or coins. Meanwhile, you can get physical delivery in the future. It’s a great way to follow a dollar-cost averaging strategy.

One thing to remember is that gold dealers offering investment accounts are not licensed investment firms, so you’re relying exclusively on their corporate governance rather than regulatory oversight. Our advice is to do extra personal due diligence on any company you’re trusting with your gold savings account.​

2. Gold Stocks

​Besides physically purchasing gold, there’s a variety of indirect ways to invest in gold. The gold and mineral mining sector grab attention whenever the gold price rallies. It’s only logical that the value of companies producing gold will increase as the cost of gold rises. The reasons miners benefit whenever gold experiences a bullish trend because demand increases alongside rising prices.

The most discussed gold stocks are:
  • Newmont Corporation (NYSE:NEM)
  • Barrick Gold Corp (NYSE:GOLD; TSX:ABX)
  • Yamana Gold Inc. (TSX:YRI; NYSE:AUY; LSE:AUY)
  • Kinross Gold Corporation (TSX:K; NYSE:KGC)
  • Franco-Nevada Corporation (NYSE:FNV) 

To purchase gold-based stocks, you'll need to invest in the US markets. Our US share investing guide has more details.

3. Gold Mining Thematic ETFs

​You can buy shares in gold-producing related companies, numerous thematic exchange-traded funds, indices, and baskets available from various exchanges and brokers. 

Investing in the stock of a particular company relies on more than the associated sector thriving. Just because a niche is in vogue doesn’t guarantee the company will seize the opportunities. You’d still need to perform due diligence on any shares you purchase. By investing in gold-sector themed ETFs, you get balanced exposure to numerous companies.

VanEck Vectors Gold Miners ETF (GDX) is the largest gold miner ETF with US$13.8bn in assets. The ETF consists of 52 securities; the five miners listed in the previous section comprise 39.5% of the fund. You can find a complete list of GDX constituents here.

Other popular gold mining ETFs are:
  • VanEck Vectors Junior Gold Miners ETF (GDXJ) 
  • Direxion Daily Gold Miners Bull 2X Shares (NUGT)
  • Direxion Daily Junior Gold Miners Index Bull 2x Shares (JNUG)
  • iShares MSCI Global Gold Miners ETF (RING)

More details: Our guide to exchange-traded funds (ETFs) has you covered. ​​

4. Gold ETFs and ETCs

​Gold ETFs, sometimes known as exchange-traded commodities (ETCs), are a popular way to get incremental exposure to the price of gold. Unlike the thematic ETFs described in the previous section, gold ETCs hold one asset, gold. As the fund consists of a single commodity rather than a portfolio of instruments, they are often defined as exchange-traded commodities.

Well-known gold exchange-traded commodities are:
  • SPDR Gold Trust (GLD)
  • iShares Gold Trust (IAU)
  • SPDR Gold MiniShares Trust (GLDM)
  • Aberdeen Standard Physical Gold Shares ETF (SGOL)
  • GraniteShares Gold Trust (BAR)​ 

These ETFs can be purchased using investment platforms such as Stake, Sharesies and Hatch.

5. Contracts for Difference, Futures and Options

​Whenever you do an online search for “investing in gold”, it’s likely you’ll see ads for forex and CFD brokers that offer leveraged CFDs to speculate on gold. However, this isn’t investing. CFDs can be a useful instrument for hedging.

For example: Suppose you own 20 ounces of gold and the price begins to fall; you could enter a short position using a CFD to hedge against the price going down. For most traders, this would be too advanced and unnecessary for long term investors. CFDs are risky and have a high risk of returning losses - please do not get sucked into risky products by accident.

Beyond CFDs, Tiger Brokers (NZ) is one example of a share investing platform that also offers gold futures trading (along with futures in many other commodities).

Buying Gold as an Investment NZ

Investing in Gold - Frequently Asked Questions

Investing in gold can be complicated - we anticipate common concerns and queries below.

​What’s the difference between an ounce (oz) and a troy ounce (ozt)?

If you’ve ever followed a cooking recipe, you’ll probably have needed to convert ounces to grams. An ounce is 28.35 grams. A troy ounce is different, weighing in at 31.1 grams. A troy ounce is used almost exclusively in the precious metals industry, and most coins are produced according to the troy weight system.

What’s an ETC, and how is it different from an ETF?

ETC is an acronym for exchange-traded commodity. Whereas ETF is an acronym for exchange-traded fund. The difference between the two terms is the words commodity and fund. An ETC has most characteristics of an ETF except for it consisting exclusively of a commodity.

How can I invest in gold if I don’t have enough money for an entire ounce?

A few techniques for micro-investing in gold are outlined above. You could start purchasing smaller size coins or bars. Most coins are available as 1/10 ozt, and most bars are available as 1 gram. Another strategy is to incrementally buy gold using a savings account provided by a reputable dealer.

How do I sell gold in New Zealand?

If you need to sell your gold, don’t rush into any deals and make sure you’re getting a fair price. The safest and most reliable way to sell your gold is to sell it to a dealer. Other ways to sell could be at a pawn shop or online or newspaper classifieds. Unfortunately, a pawn shop will pay below market, and a private sale exposes you to counterparty risk. Because of this, it's most likely that your best bet is to deal with qualified gold dealers.

Is fake gold common in New Zealand?

Your ability to detect fake gold depends on the quality of the counterfeit. Fake coins are rare, as they possess much greater detail, so counterfeiters tend to avoid producing them. Smaller gold bars are minted, making it easier to spot imperfections, and they come in professional packaging, which is hard to mimic. Large 1kg cast bars are the easiest to fake, as they have less detail, and it’s relatively common to see scuff and marks. When you buy gold second-hand or resellers, you run the risk of exposing yourself to fake gold.

Your free guide to investing and trading in gold, thanks to BlackBull Markets

Blackbull Gold Trading and Investing
Visit Blackbull Markets
  • BlackBull Markets is a multi-award-winning commodities broker, founded, owned, and operated in New Zealand.​
  • BlackBull Markets provide retail investors with an institutional-grade trading experience, including XAU/USD (Gold vs US Dollar) exposure.
  • Their platform gives access to 300+ tradeable instruments including gold, silver, and oil.
  • For more details, read our BlackBull Markets Review or visit their website.

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  • Loans & Finance
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  • Credit Cards
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        • Where is AMEX Accepted?
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business
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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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    • 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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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
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    • Best iPhone Plans
    • Best Power Banks
  • Broadband
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    • Internet Speed Test
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  • Power
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    • Electric Vehicle Power Plans
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 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 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 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
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
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