MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • 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 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • 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
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 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
        • 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 Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • 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
      • Money Sweetspot 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
      • Interest Rate Predictions 2025
      • 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
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • 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
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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What Do I Do With My KiwiSaver When I Retire?

"What should I do with my KiwiSaver when I retire" is a question for the ages. This guide, the first of its kind in New Zealand, extensively explains your options and helps you decide what is best for your everyday life.
What do I do with my KiwiSaver when I retire
Updated 19 June 2025

Know this first:
  • Your KiwiSaver balance is yours to draw down tax-free, given there is no capital gains tax in New Zealand.
  • This means every $1 you have in KiwiSaver is yours to do what you want with.
  • It's also 100% of yours and yours to do what you want with. You don't need to share it with anyone, which is why deciding what to do with it is very important and overwhelms many people. 

To help you understand all the options available, we cover:
  • Option 1: Withdraw money to pay off all debts (if you have any) and take the rest out in lump sums
  • Option Two: Retire later (e.g. work beyond 65 and keep contributing to KiwiSaver)
  • Option 3: Withdraw KiwiSaver in stages and spend money using the 4% rule
  • Option 4: Keep it where it is and spend other investments
  • Option 5: Invest some of the balance into a retirement income product such as an income-distributing fund or an annuity
  • Option 6: Take a portion and pay it to yourself fortnightly or monthly
  • Option 7: Mix your options to suit your immediate needs

​
​Important: Our trusted guide, How Much Do You Need to Retire Comfortably in New Zealand, explains what you need to know should this be of interest.
What do I do with my KiwiSaver when I retire

Introductory Frequently Asked Questions

Should I move my KiwiSaver to a low-risk fund once I retire?

KiwiSaver offers a range of different funds with varying degrees of risk. The lowest risk ones are designed to protect your money from significant sharemarket events by offering 'conservative' and 'cash' funds. The idea is that retirees have less time to build up their KiwiSaver balance, so low-risk funds must protect the invested money from market shocks by holding it in cash or term deposits. Every KiwiSaver scheme offers a low-risk fund that moves most of your money out of the sharemarket and puts it into cash-backed and term investments. 

Should every retiree be in a conservative fund?

It depends on the retiree. There is no 'one-fund-fits-all' given the unique financial needs every New Zealander has. Also, people are living longer, so moving everything into a 3% p.a. conservative fund forever may be short-sighted in higher inflationary times. This is especially true if growth funds average returns of 10%+ p.a., and you're unlikely to need the majority of your KiwiSaver balance for years to come. 

What is right for you comes down to your financial situation. You may want to hedge your bets and pick a balanced fund or a moderate fund - our comparison guide to Balanced vs Moderate vs Growth KiwiSaver Funds explains the difference and pros and cons of each. Whatever you do, make an informed choice about how you want your KiwiSaver invested during your retirement. 

What should I spend my KiwiSaver money on after withdrawing it?

If you're debt-free, the money you withdraw will go a long way. Beyond covering everyday expenses, popular uses of KiwiSaver withdrawals include:
  • Going on a holiday
  • Medical treatment (to avoid the public waiting lists at DHBs)
  • Home improvements (new roof, recladding, new carpets etc.)
  • Buying a new car
  • Helping a family member

How much you spend and what you spend it on is entirely up to you. You don't need to ask for permission to withdraw or spend it, so the options are endless. We explain the most common choices below - what is right for you may change as you get older, so please understand that no decision you make is final.

What do I do with my KiwiSaver when I retire

Seven Options for Your KiwiSaver When You Retire

Our list, in no particular order, outlines everything you need to know to make the right choice for your needs, wants and everyday lifestyle.
What do I do with my KiwiSaver when I retire

Option 1: Withdraw money to pay off all debts (if you have any) and take the rest out in lump sums

If you're retired and still have some debts, we suggest considering the following process to help your KiwiSaver money improve your day-to-day lifestyle:
  • Step 1: Clear credit card debts, personal debts and any other debt that's costing you money. This is the most 'expensive' debt, so getting rid of it as much as possible will make your income (e.g. superannuation payments) go further. You can then lower your credit card limits to reduce the risk of getting into debt again. For example, a $1,000 limit is a 'safe' amount to cover emergencies while avoiding racking up non-essential spending/debt.
  • Step 2: Pay down your mortgage as much as you can - the less ongoing costs and the more security you have as a retiree, the better. 
  • Step 3: Put six months of essential expenses into a savings/emergency fund. While superannuation payments are designed to cover essential expenses, having a sizeable savings account will give you more freedom. 

In summary, what do I need to do?
  1. List all of your debts, everything from a mortgage down to a credit card or personal loan. A popular approach is to repay the loans with the highest interest rates, reducing the amount of money you spend servicing debt. However, many people prefer to repay their mortgage as a priority for peace of mind. 
  2. Once your debts are paid off, you can withdraw the balance as you need it or follow the 4% rule or pay a fixed amount to yourself fortnightly or monthly to give yourself an annual spending budget or regular income.

What do I do with my KiwiSaver when I retire
What do I do with my KiwiSaver when I retire

Option Two: Retire later (e.g. work beyond 65 and keep contributing to KiwiSaver)

Many New Zealanders don't want to retire when they turn 65 and prefer to keep active in the job market even if they scale back their hours. However, if you plan to do this, you will still receive the full pension payment to complement your wages. This is because, at the age of 65, superannuation payments are a right regardless of whether you carry on working. 

However, your employer is not legally required to keep making employer contributions once you turn 65. So they might continue to contribute, but if they don't, it may be worth ending your KiwiSaver contributions, given the government contribution also stops at 65. 

Many New Zealanders enjoy the financial and lifestyle benefits of part-time paid employment while getting a boost from New Zealand superannuation. Also, there is less need to access KiwiSaver funds given the regular income generated. 

However, if you're looking to buy big-ticket items, making sizeable withdrawals annually - for example, around 5% of the balance - and moving it to a savings account is a popular approach. From there, you can spend the money as you need it while your superannuation and wages help with everyday costs. 

MoneyHub Founder Christopher Walsh comments:
"My parents are in their 70s and are highly active, and many of their friends of a similar age keep busy running businesses and volunteering. I firmly believe that retirement as a concept is misunderstood - many New Zealanders intend to keep working, albeit more on their terms. Having a regular income, superannuation payments, and the freedom to draw down KiwiSaver puts you in an incredibly strong financial position. If you're thinking about staying in the workforce, you have nothing to lose if you enjoy what you do and want to move to a part-time role. In any case, I wish you the best in this exciting chapter of your life".

In summary, what do I need to do?
  1. Confirm with your employer if you'll be receiving a KiwiSaver contribution after you turn 65. If you do, it's worthwhile to keep contributing. If you don't, you may want to stop contributing altogether. 
  2. Make sure your tax information is correct so that your employer pays you correctly. You'll need to remind them you're receiving the NZ Superannuation payment and make sure they tax you correctly after you turn 65. 
  3. Decide how much to withdraw from KiwiSaver. Many people 65+ in paid employment manage without making large drawdowns. To properly prepare, we suggest thinking about what you will need, when you will need it and how much it will cost. You can then see how that compares to your current KiwiSaver balance.  

What do I do with my KiwiSaver when I retire
What do I do with my KiwiSaver when I retire

Option 3: Withdraw KiwiSaver in stages and spend money using the 4% rule

The "4% rule" is a popular way to spend retirement savings responsibly without the risk of running out of money. Inspired by the Financial Independence Retire Early movement, the 4% rule functions as follows:
  • The 4% rule states that you can withdraw up to 4% of your portfolio's value each year. So, for example – if you have $250,000 in your KiwiSaver, you could spend $10,000 in your first year of retirement.
  • Beginning in the second year of retirement, you adjust this amount for inflation. For example, if inflation was 3%, you could withdraw $10,300 ($10,000 x 1.03).
  • The 4% rule states that retirees should withdraw 4% of their portfolio's worth each year during retirement – this is frequently misunderstood. The 4% rule only applies in the first year of retirement. The amount withdrawn is then determined by inflation.
  • Your KiwiSaver balance should, in the long-term, keep growing, offsetting some of the withdrawals you make. Also, some of the money withdrawn may be put into a savings account or term deposits, earning a small amount of interest.

Our View: the 4% rule is a good starting point if you are debt-free and have other assets such as non-KiwiSaver investments and cash in the bank. With inflation around 6%, costs throughout New Zealand have never been higher. Being able to routinely withdraw around 4% of your KiwiSaver balance gives you a lot of financial freedom. You can then budget the money and spend it how you see fit. 

In summary, what do I need to do?
  1. The 4% rule works best when you make one annual withdrawal of around 4% of your KiwiSaver balance and put it in a savings account. 
  2. By doing so, you ring-fence your funds and self-manage how it's spent. If you run out before the 12 months is up, you can decide to withdraw more (and therefore less next year to balance out to 4% per year) or wait until the new year. 

What do I do with my KiwiSaver when I retire
What do I do with my KiwiSaver when I retire

Option 4: Keep it where it is and spend other investments

KiwiSaver is there to be spent, but you may want to run down other investments first. If this is you, you're likely in a strong financial position, and KiwiSaver won't play an integral part in your retirement. In such instances, you can carry on as unusual and decide how to spend your KiwiSaver when appropriate. 

In summary, what do I need to do?
  1. Nothing. You can leave KiwiSaver where it is and carry on as normal. If you do need to buy something and don't have the money on hand, you can contact client services of any of your investments and sell down a portion or all of it. 
  2. If you wish to take your KiwiSaver balance and invest it independently, you can withdraw some or all of your balance at any time after you turn 65. Again, you'll need to contact your KiwiSaver scheme to arrange the withdrawal. 

What do I do with my KiwiSaver when I retire
What do I do with my KiwiSaver when I retire

Option 5: Invest some of the balance into a retirement income product such as an income-distributing fund or an annuity

Income-distributing funds are relatively unpopular in New Zealand and have yet to gain traction among retirees or general investors. They work just like a managed fund does - you invest a sum of money with a fund manager who charges a fee. However, the fund manager agrees to pay you a regular income from the fund - usually a monthly or fortnightly payment into your bank account.

Annuities are investment products that charge you a fee to pay you an 'income' from your investment. For example, you may invest $100,000 into an annuity with a 2% fee that pays you 5% a year. The 5% payment is apportioned over a year, so you're paid fortnightly or monthly. At the same time, the annuity manager then invests your money on your behalf, hoping to increase your original $100,000 even though a portion of it will be withdrawn and paid to you regularly. 

The problem in New Zealand is that the annuity industry hasn't been profitable for any manager, and the major provider, Lifetime, has discontinued offering the product. 

Overall, we believe annuity products are unsuitable for KiwiSaver funds, and it's more cost-effective to withdraw sums from KiwiSaver as you need it. 

In summary, what do I need to do?
  1. One example is the AMP Capital Income Generator Fund if you're considering either a fund or an annuity-type product and similar funds. However, the popularity of these funds is limited - AMP's fund has been running since 2014 and has a relatively small balance of less than $100m. We urge caution with any such investment given the costs involved vs the potential returns. 
  2. Lifetime Retirement Income also offers a revised product since discontinuing their annuity product - you can read more about there current offering here.
  3. Otherwise, the most cost-effective and simple option is to make regular payments to yourself from KiwiSaver while leaving the rest of your investment to grow. We discuss how this works here.

What do I do with my KiwiSaver when I retire
What do I do with my KiwiSaver when I retire

Option 6: Take a portion and pay it to yourself fortnightly

Many New Zealanders are either reluctant to spend their KiwiSaver money. Others spend it too quickly and run out early into their retirement. If you're looking to preserve your KiwiSaver for the long term, you will need to make a distribution plan and stick to it. 

We suggest using the 4% rule as a benchmark for how much of your KiwiSaver balance should be paid into your bank account every month, fortnight or week. As KiwiSaver doesn't have any capital gains taxes or distribution limits, the table below shows how much money you would regularly receive using the 4% rule. What is clear is that small KiwiSaver balances, for example, those below $50,000, don't provide any significant level of regular income - $38 a week may be useful but won't enrich your life.
KiwiSaver Balance
Monthly Income
Fortnightly
Weekly
$50,000
$167
$77
$38
$100,000
$333
$154
$77
$200,000
$667
$308
$154
$500,000
$1,667
$769
$385
$1,000,000
$3,333
$1,538
$769
In summary, what do I need to do?
  1. The best way to pay yourself KiwiSaver money as income is by using auto payments from a bank. It works as follows:
  • a) You withdraw 4% of your balance in one go and have it deposited into a specific savings account. You may want to name this account' KiwiSaver money for 2022' (or whatever the year is).
  • b) You then decide how regularly you want the payments. If it's every month, you will then divide the balance in your savings account by 12, and set up automatic monthly payments into your everyday bank account for that amount. 
  • c) At the end of the year, you will need to withdraw another 4% from your KiwiSaver balance and divide the amount by 12 to work out the automatic monthly payment you'll receive. It may be more or less than your existing amount, so you'll need to adjust the automatic payment in online banking. 

An example best explains how this works:
  • Michael decides to withdraw 4% of his $200,000 KiwiSaver balance and pay himself a monthly income with the proceeds.
  • He notifies his KiwiSaver provider, and $8,000 is deposited into his bank account. He moves this money to a special savings account and sets up an automatic monthly payment of $666 which will be paid into his everyday account.
  • In addition, any interest generated from the savings account will be added to the balance. Still, Michael knows this won't be significant - the purpose is to protect a portion of his KiwiSaver balance and pay it out as income.
  • Michael then enjoys his monthly payments and spends the money how he wants. After 12 months, he makes another withdrawal of 4% of his current KiwiSaver balance, recalculates how much that will be per month and adjusts his automatic payment accordingly.

What do I do with my KiwiSaver when I retire
What do I do with my KiwiSaver when I retire

Option 7: Mix your options to suit your immediate needs

You don't have to choose just one of the options above - KiwiSaver lets you mix different options to help meet your needs at different stages of your retirement. 

For example, you may want to pay yourself a fixed monthly income from KiwiSaver (as outlined here) at the start of your retirement. However, you may want to also withdraw a portion and invest it in something outside of KiwiSaver, such as an income-paying fund or share to further boost the amount of money you regularly receive into your bank account. 

In summary, what do I need to do?
  1. KiwiSaver is one financial support available during your retirement, but for most people, the biggest help will come from their fortnightly superannuation payment.
  2. If you are unsure about what to do with KiwiSaver, the good news is that you don't need to do anything.
How do I do with my KiwiSaver?

Conclusion and Final Thoughts

  1. The 4% rule is arguably the least-risky method of letting you access KiwiSaver without threatening the entire balance. 
  2. If you have debt owing, using KiwiSaver to clear the balances will likely boost your regular income as you'll save money on expensive interest costs.
  3. It's easy to set yourself up with automatic income payments; we estimate that the time to withdraw a fixed amount from your KiwiSaver and organise it to be paid every month will take no longer than an hour per year. You then have certainty over your income and can budget accordingly. 
  4. Retirement is a good time to save money on non-essentials, so your KiwiSaver money will go even further. Our guides to saving money on household expenses, minimising driving costs and transitioning to a single income have further ideas to help you.

Related guides and resources
  • Retirement in a Nutshell
  • Top Performing KiwiSaver Funds
  • 4% Rule
  • How Much Do You Need to Retire Comfortably in New Zealand
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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • For Startups
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  • MSD
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  • Law
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Americas & Africa
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    • Essential Information
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  • Mobile & SIM
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  • Power
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    • Power Companies
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  • Essential Money Tips
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    • Money & Relationships
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      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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    • Challenging Economic Conditions
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      • Graduating Without a Job
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  • Financial Independence
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      • SortMe Review
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    • Tax
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      • Salary Sacrifice in New Zealand
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  • Life Essentials
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      • Paid Survey Websites Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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