MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • Independent Reserve Review
        • eToro Review
        • Coinbase Review
        • Kiwi-Coin Bitcoin Exchange Review
        • Vault International Bitcoin Fund Review
      • Guides
        • How to Buy Bitcoin in New Zealand
        • Beginner's Guide to Bitcoin and Blockchain
        • Guide to NFTs
        • Bitcoin Wallet Guide
        • Bitcoin Mining
        • How to Sell Bitcoin
        • Bitcoin and Crypto Scams
        • Initial Coin Offerings
        • A Beginner’s Guide to Investing in Cryptocurrencies
        • Decentralised Finance
        • Bitcoin in New Zealand
        • New Zealand Bitcoin Exchanges
        • How to Buy Ethereum in New Zealand
        • Other Coins
          • How to Buy Ripple in New Zealand
          • How to Buy Cardano in New Zealand
          • How to Buy Dogecoin in New Zealand
          • How to Buy Litecoin in New Zealand
          • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Car Insurance
      • Guides
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews
      • Wise International Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • Business Calculators
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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How to Invest in Silver - The Definitive New Zealand Guide

Our guide explains everything you need to know before investing in silver, and outlines silver investment products specifically available from New Zealand.
How to Invest in Silver in New Zealand
Updated 6 March 2023

Summary:
  • ​With the increasingly volatile stock markets causing uncertainty for many Kiwis, investing in alternative assets has become increasingly popular. One of the most popular alternative investments is investing in commodities like silver.
  • Investing in silver is one of many ways to diversify your portfolio and hedge against economic uncertainty. Silver has a long history as a valuable and coveted precious metal, and it continues to be highly sought after for its various industrial, technological, and decorative uses.
  • It's not without risks and today, there are numerous silver and silver-derivative products for investing or speculating.
  • Investing in commodities such as silver can be a great way to diversify your investment portfolio and hedge against economic uncertainty. Silver has a wide range of uses and is highly valued for its beauty, versatility, and industrial applications.
  • There are several ways to invest in silver in New Zealand, including buying physical silver, investing in silver through a fund or ETF, investing in silver through derivatives and investing in silver mining companies.

Our guide covers:
  • How Can I Invest in Silver?
  • Where Can I Buy Silver in New Zealand?
  • Taxes, Travelling and Safety Considerations with Silver
  • What are the Prices and Spreads for Silver in New Zealand?
  • Pros and Cons of Investing in Silver
  • Frequently Asked Questions

Disclaimer: This guide is for educational purposes only and shouldn't be interpreted as investment advice. This guide's contents present a range of investment products related to silver but do not advocate the appropriateness of any of these products to our readers.

For a comprehensive breakdown of investing in other precious metals and alternative assets, check out our guides below:
  • Investing in Gold
  • Commodities Trading in New Zealand
  • A Beginner’s Guide to Investing in Cryptocurrencies in New Zealand
  • Futures Trading in New Zealand

Know This First: A Summary of Precious Metals

  • Precious metals are rare, naturally occurring metallic elements considered valuable and highly sought after. They’re typically used as a store of wealth and as a hedge against economic uncertainty due to their inherent value, scarcity, and durability. Gold, platinum, silver and palladium are the four main precious metals.
  • Gold has long been considered the most valuable and coveted of the precious metals due to its rarity, beauty, and versatility. As a result, it has a wide range of uses, including jewellery, coins, and industrial and technological applications. Gold is also widely used as a store of value and a medium of exchange, and it's often viewed as a haven asset during times of economic uncertainty.
  • Silver is another highly valuable precious metal prized for its beauty, versatility, and industrial uses. It's less abundant than gold and is considered less valuable. Still, it has several unique properties that make it highly sought after in various industries.
  • This guide will focus exclusively on silver. For gold, we have published a dedicated guide.

What is Silver? What are the Main Uses of Silver?

Silver is a chemical element with the atomic number 47 and has the symbol Ag. It's a soft, white, lustrous metal that’s highly reflective and conductive. Silver is found naturally in the earth's crust and is often extracted from ores such as argentite (silver sulphide) and chlorargyrite (silver chloride).

Silver has a wide range of uses, including industrial, technological, and decorative applications. Some of the main uses of silver include:
  1. Industrial and technological applications: Silver is an excellent conductor of electricity and heat, and it's used to manufacture electrical and electronic products, such as wiring, switches, and connectors. It's also used to produce batteries, solar panels, and other renewable energy technologies.
  2. Medical and dental applications: Silver is antimicrobial and is used in producing medical and dental products, such as bandages, wound dressings, and dental fillings.
  3. Jewellery and decorative objects: Silver is widely used in producing them due to its beauty and lustre. It's also used to manufacture coins, medals, and other collectables.
  4. Photography: Silver is used heavily in producing photographic film and paper due to its light sensitivity and ability to produce high-quality images.
  5. Tableware: Silver produces fine and other tableware, such as cutlery and serving dishes.

How to Invest in Silver

How Can I Invest in Silver?

​There are a few ways you can invest in silver in New Zealand. Some of the most common options include:

Buying physical silver

The two main types of physical silver that you can buy in New Zealand are silver coins and silver bars. Silver coins are a popular form of silver, often minted as a collectable or used as a medium of exchange. Silver bars are bullion typically made of 99.9% pure silver. They’re often minted by private companies or government mints and come in various sizes, ranging from small bars weighing a few ounces to large bars weighing several hundred ounces.
​
You can buy silver from various sources, including coin dealers, precious metal dealers, and online retailers. Physical silver can be stored in a safe deposit box or at home, but it's important to consider the potential risks of theft or loss. The top places to buy physical silver in New Zealand include:
  • Coin dealers: Coin dealers are a good place to buy silver coins, particularly if you are looking for rare or collectable coins. You can find coin dealers in most major cities in New Zealand, or you can shop online from the comfort of your home.
  • Precious metal dealers: Precious metal dealers specialise in buying and selling a variety of precious metals, including silver. You can find precious metal dealers in most major cities in New Zealand, or you can shop online.
  • Online retailers: Many retailers, including local and international, sell silver in New Zealand. Shopping online can be convenient, but it's important to research and exercise caution before purchasing.

Investing in silver through ETFs

An exchange-traded fund (ETF) is a type of investment fund that tracks the price of a particular asset, such as silver. ETFs are traded on stock exchanges, allowing investors to buy and sell the fund's shares without owning the underlying asset physically. For example, silver ETFs are a convenient way to invest in silver without having to purchase and store physical silver.

Some of the most popular ETFs that invest exclusively in silver (the physical metal) and that are available to invest on popular platforms like Sharesies, Hatch and Stake include:
  • iShares Silver Trust (ARCA:SLV)
  • ProShares Ultra Silver ETF (ARCA:AGQ)
  • Invesco DB Silver Fund (ARCA:DBS)
  • Aberdeen Standard Physical Silver Shares ETF (ARCA:SIVR)

Investing in silver through derivatives (such as futures or options)

Futures and options are financial derivatives that allow investors to speculate on the price of an asset, such as silver. These instruments can be complex and carry a high level of risk, so they’re not suitable for all investors. Our guide explains options trading in New Zealand.

Investing in silver mining companies

Another way to invest in silver is by purchasing shares in silver mining companies. Investing in silver mining companies allows investors to benefit from the company's profits, which may depend on the price of silver. These financial products are still considered ETFs, but these ETFs only invest in silver mining companies rather than the physical metal directly. The top ETFs with exposure to silver mining companies include:
  • Global X Silver Miners ETF (ARCA:SIL)
  • iShares MSCI Global Silver Miners ETF (BATS:SLVP)
  • ETFMG Prime Junior Silver ETF (ARCA:SILJ)

Note that none of the ETFs listed in the above sections are endorsements. Rather, the ETFs listed above are purely to show examples of ETFs that have exposure to silver. Our guide breakdowns ETFs in New Zealand to help explain ETFs further.

How to Invest in Silver and Where to Buy NZ

Where Can I Buy Silver in New Zealand?

​New Zealand is fortunate to have a few notable silver dealers that sell and repurchase coins/bullion. We list the two main dealers below - note that listing a company below is not an endorsement.
Buy Silver in NZ - BuyBullion.nz

Buy Bullion NZ

​Buy Bullion NZ is a New Zealand based online bullion dealer that specialises in buying and selling precious metals such as gold and silver. They offer a wide range of bullion products, including coins, bars, rounds and more from reputable mints and refineries around the world. They also offer different options for storage and shipping services for the products they sell, which can provide an added layer of security and convenience for customers.

One of the unique features of Buy Bullion NZ is that they accept different types of payment options, including bank transfer, credit card, and POLi, which can be a convenient option for many customers. For Anti Money Laundering (AML) reasons, Buy Bullion NZ doesn’t accept cash.

They also provide detailed information on their website, including product specifications and historical prices, which can help customers make an informed decision when buying or selling bullion.
​
In addition, Buy Bullion NZ has a reputation for providing good service and quality products. They’ve been operating as a New Zealand business for many years and have a long track history of successful dealings. They also have a wide variety of products to choose from, which can be beneficial for customers looking for specific types of bullion.

More details: Buy Bullion NZ
Buy Silver in NZ - NZ Mint

NZ Mint

​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 generally doesn’t offer coins or bars smaller than one ozt. If you’re looking to invest large amounts over a long-term horizon, it might be a good option for secure storage. You can pay in USD or NZD by Visa, Mastercard, PayPal or bank transfer.

More details: NZ Mint

Know This: The Top Considerations to Factor in When Buying Physical Silver

When buying silver in New Zealand, it's important to research and shop around to find the best deal. Some things to consider when choosing where to buy silver include:
  • Reputation: Look for a dealer or retailer with a good reputation and a record of satisfied customers. You can check online reviews or ask for recommendations from friends or colleagues.
  • Prices: Shop around and compare prices from dealers and retailers to find the best deal. It's also a good idea to compare prices to the current spot price of silver, which is the price of the metal in its raw, unrefined form.
  • Selection: Look for a dealer or retailer that offers a wide selection of silver products, including coins and bars of varying sizes. This variety will give you more options and may allow you to find the product that best suits your needs.
  • Security: When buying silver, it's important to consider the transaction's security and your investment's safety. Look for a dealer or retailer that takes security seriously and offers secure payment methods, such as credit card or bank transfer.

How to Invest in Silver and Taxes NZ

Taxes, Travelling and Safety Considerations with Silver

​You should consider a few things regarding taxes, travelling, and safety when buying and investing in silver in New Zealand.

Taxes

​According to the IRD, silver in New Zealand with a fineness of over 99.9% is exempt from Goods and Services Tax (GST), but the tax implications of selling silver profits is unclear as there is no Capital Gains Tax (CGT) in New Zealand. Additional taxes may be levied on the profit you make from selling the metal depending on your situation. Therefore, it's important to understand the tax implications of buying and selling silver before you start investing - our guide to tax on investments has further information.

Travelling

Travelling with silver can be complex as regulations vary by country. If you’re planning to travel with your silver (either when you're buying it or selling it), it's important to consider the restrictions and regulations that may apply. Some countries have restrictions on importing or exporting precious metals, and you may need to declare your silver at customs.

Most countries may have a limit of $10,000 worth of cash or equivalent assets (such as precious metals) before you need to declare it, but make sure you check with the specific country you’re travelling to. Note that like any other commodity, the value of silver will fluctuate, so you may end up being over the limit depending on what the price of silver does.

Safety

When buying and storing silver, it's important to consider the safety of your investment. If you’re storing silver at home, keeping it in a safe place, such as a safe deposit box or a secure location, is a good idea. It's also a good idea to consider insurance to protect your silver in case of theft or loss. For a more comprehensive breakdown, visit our guide to contents insurance. 

How to Invest in Silver and Taxes NZ Prices

What are the Prices and Spreads for Silver in New Zealand?

  • The prices and spreads for silver in New Zealand will vary depending on several factors, including the type of silver you’re buying, the quantity, and the purity of the metal. The spot price of silver is defined as the current price of the metal in its raw, unrefined form, and it's generally considered to be the benchmark price for silver. Several factors determine the spot price, including supply and demand, economic conditions, and geopolitical events.
  • The spread of silver's price is the difference between the bid price (the price you can sell silver) and the asking price (the price you can buy silver). The spread is typically wider for smaller quantities of silver and may be influenced by factors such as the dealer's overhead costs and the level of liquidity in the market.
  • You can find the most recent spot prices for silver through NZMint or Interest.

How to Invest in Silver NZ Pros & Cons

Pros and Cons of Investing in Silver

Pros:
There are several pros to investing in silver, including:
  • Hedge against economic uncertainty: Some people invest in silver as a hedge against economic uncertainty, as the value of silver tends to increase during times of economic instability or deflation.
  • Diversification: Silver is considered a non-correlated asset, meaning its price movements are not tied to those of other assets, such as stocks or bonds. This characteristic makes investing in silver a good way to diversify your portfolio and hedge against economic uncertainty.
  • Industrial uses: Silver has a wide range of industrial uses, including in producing electrical and electronic products, batteries, and solar panels. This flexibility means that the demand for silver may be influenced by economic growth and technological advancements.
  • Scarcity: Silver is a relatively scarce metal, with only a limited amount of it being mined each year. This scarcity can make it a good store of value and help protect against inflation.
  • Beauty and collectibility: Silver is a beautiful and lustrous metal widely used in jewellery and decorative objects. This beauty can make it a desirable investment for collectors and those who appreciate the aesthetic value of the metal.

Cons:
There are also some cons to investing in silver, including:
  • Volatility: The price of silver can be volatile and may fluctuate significantly in response to economic conditions and other factors. This volatility can make it a risky investment, particularly for those who aren’t prepared to weather price fluctuations.
  • Market manipulation: The silver market is relatively small compared to other commodities (such as gold) and markets (such as the currency or stock markets), which may be more vulnerable to manipulation. This manipulation potential can create additional risks for investors.
  • Storage and security: Buying physical silver requires storage and security, which can burden some investors. It's important to consider the potential risks of theft or loss when storing silver at home or in a safe deposit box.
  • Taxes: Potential taxes can impact the overall return on investing in silver. Reinforcing the point made above, it's important to research and understand the tax implications of silver investing.

How to Invest in Silver NZ FAQs

Frequently Asked Questions

Is silver a good investment in New Zealand?

​Silver can be a good investment in New Zealand, as it can diversify your investment portfolio and act as a hedge against economic uncertainty. However, the value of silver can be volatile and may fluctuate significantly in response to economic conditions and other factors, so it's important to understand the risks involved before investing.

What are the risks of buying and selling silver online?

​Buying silver online in New Zealand can be convenient, but it's important to be cautious and research before making a purchase. There are risks associated with buying and selling silver online, including fraud or scams, losing your personal and financial information, and not receiving the product you paid for. Therefore, it's important to be cautious, research before buying or selling silver online, and use secure payment methods to protect your information. It's also recommended to check any ongoing potential scams and protect your personal and financial information when shopping online.

What’s the ideal size of silver to buy?

​The ideal size of silver to buy will depend on your budget and investment goals. For example, some investors may prefer to buy smaller denominations of silver, such as 1-ounce coins, while others may prefer to buy larger quantities, such as 100-ounce bars.

What is the New Zealand Mint? How does it relate to silver?

The New Zealand Mint is a private company that produces collectable coins, bullion coins, and medals for countries around the world. The mint is not affiliated with the New Zealand government and does not produce circulation coins for the country.

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

An ETC (exchange-traded commodity) is a type of financial instrument that tracks the price of a physical commodity, such as silver. An ETF (Exchange-Traded Fund) is an investment product that tracks the price of a basket of assets, such as stocks, bonds, or commodities. ETCs and ETFs are similar in that they are traded on stock exchanges and offer convenient and accessible ways to invest in various assets.

Is fake silver common in New Zealand?

Unlike fake gold, fake silver isn’t that common in New Zealand, but it's always a good idea to be cautious and research before buying silver to ensure that you get a genuine product.

Why should I buy silver over stocks or bonds?

Some people may choose to invest in silver over stocks or bonds because they view it as a hedge against economic uncertainty or deflation, or because they are attracted to the metal's industrial uses and aesthetic value. However, it's important to understand that investing in silver carries risks and may not be suitable for all investors. Silver isn’t a “better” investment over stocks or bonds, but may be more suitable or attractive to some investors over others depending on their risk and return appetite. 

Is it risky to buy silver?

​Investing in silver can be risky, as the price of the metal can be volatile and may fluctuate significantly in response to economic conditions and other factors. Therefore, it's important to understand the key risks involved and to be prepared to weather price fluctuations when investing in silver.

What happens if I lose my silver?

​If you lose your silver and you don’t have contents insurance, it’s unlikely you’ll be able to recover it. This increased ability to lose silver due to its physical nature is one of the downsides of investing in physical silver. Therefore, it's important to consider the risks of theft or loss when storing silver. 

Is silver a useful way to pass on wealth to the next generation?

Silver can be a useful way to pass on wealth to the next generation, as it can be a store of value and may act as a hedge against economic uncertainty. However, due to silver’s significantly lower value compared to gold, it’s much less common to use silver as a way to pass on wealth to your children. More Kiwis are likely to pass down gold watches or jewellery compared to silver as a means of wealth transfer. 

How does investing in silver compare to investing in gold?

​Investing in silver can differ from investing in gold in several ways, including the metal's risks, returns, and uses. For example, silver is generally considered to be more volatile than gold. Silver is also far cheaper than gold on an ozt basis. Still, it also has a wider range of industrial uses, making it a good hedge against economic growth and technological advancements.

Does silver jewellery exist? Is it valuable?

​Silver jewellery can be valuable, as it's made from precious metal and may have decorative or sentimental value. However, the value of silver jewellery will depend on factors such as the purity of the metal, the craftsmanship, and the demand for the piece.

Related Guides:
  • ​Investing in Gold
  • Commodities Trading in New Zealand
  • A Beginner’s Guide to Investing in Cryptocurrencies in New Zealand
  • Futures Trading in New Zealand
  • Investing in Shares
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  • Loans & Finance
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  • Banking & Savings
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    • Buying a Home
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  • KiwiSaver
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  • Business
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  • MSD
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  • Motoring
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  • Law
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  • Travel
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  • Broadband
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  • Power
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    • Power Companies
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  • Financial Independence
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      • Achieving Financial Independence, Faster
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      • Beginner's Guide to Tax
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    • Money Tips
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      • 20 Indicators You're Doing Well Financially
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      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
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      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
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      • Free Money from the Government
      • Bankruptcy Guide
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      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
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    • Wellington Trade Services
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    • Christchurch Trade Services
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    • Hamilton Trade Services
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    • Tauranga Trade Services
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