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

Our guide offers a step-by-step process for risk-averse investors to begin creating wealth. Learn how to approach savings and budgeting, understand expected returns for different investments, and avoid common mistakes. We also list tips for investing and explain answers to frequently asked questions.
How Do I Start Investing? NZ
Updated 13 February 2025

Summary
  • There are two main types of people when it comes to investing: risk-averse individuals and those who are more comfortable with risk.
  • If you fall into the risk-averse category, you may hesitate to invest because you might worry about losing your hard-earned money or think you can't afford to invest. However, this opinion may not always be the best long-term approach to building wealth.
  • There are plenty of options for low-risk investments, and many people comfortably start small and increase your investment amount over time.
  • The best starting point is to create a savings plan and budget to reach your financial goals.
  • If you're worried about losing money, then it's important to remember that no one becomes a successful investor overnight. It takes patience, time, and discipline to be successful.
  • If you're willing to commit to learning about investing and staying invested for the long term, then you can achieve your financial goals. Our investing guides and comparisons offer lots of information to help.
  • Returns are what you can expect to earn on your investments over time, and they will fluctuate depending on the market. In general, shares offer higher returns than cash investments like term deposits.
  • Understanding your risk tolerance is essential when deciding how to invest your money. 

Our guide covers:
  • How Should Risk-Averse People Approach Savings?
  • What are the Most Common Mistakes that Investors Make?
  • Frequently Asked Questions

MoneyHub Founder Christopher Walsh explains how can you start investing if you're risk-averse:

"If you're risk averse, you might think investing is too risky. After all, there's always the chance that you could lose money, and there's always news about how much global and New Zealand markets are down. But it's important to remember that there's also the chance that you could make money".

"In fact, over the long run, shares and funds have historically averaged returns of around 8% to 10% per year. So if you invest in shares or funds, there's a good chance that you'll make money over time". Of course, there are no guarantees, and there will be many uncertain periods along the way, but if you're patient and stay invested long-term, chances are good that you'll come out ahead".
 
"It's also important to remember that not all investments are created equal. Some investments, term deposits, are considered to be relatively safe. You get this safety because when you invest in term deposits, you lend money to a bank who then lends it out to home owners to fund mortgages. In return, the banks agrees to pay you back over time with interest. You'll get a guaranteed a stream of income through interest payments and will likely get your principal (money) back at the end of the term deposit's duration".

"On the other hand, shares are riskier because there's no guarantee that the company will do well, no obligation to pay dividends, and the share price could go down. However, shares generally have a higher upside (can be a higher return investment) than term deposits".

"While one option is to invest in low-risk investments like term deposits. Another option is to start slowly by investing a small amount of money each month. You can also create a savings plan to automatically invest a set amount of money each month without thinking about it. This strategy can help remove the emotion from investing and make it easier to stick with your investment plan, and, over time, you'll build up a nest egg that will benefit you throughout your life".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

How Do I Start Investing NZ When Risk-Averse

How Should Risk-Averse People Approach Savings?

Savings are critical for anyone looking to invest, especially risk-averse individuals. When you have money saved, you can afford to lose some of it without risking your future. Savings also allow you to take advantage of investment opportunities when they come along, such as investing in a share that suddenly drops in price.
 
If you're risk averse, you should consider saving up for 6 to 12 months of living expenses before investing. These savings will give you a cushion if anything happens and prevent you from selling any investments to meet your short-term costs. Once you have some money saved, you can start budgeting for your investment plan.

The most popular option for new investors is to set aside a fixed percentage of your monthly income to invest (the higher, the better). Then, automate your investments so that the money is regularly transferred from your bank account to your investment account. This automation helps to ensure that you're sticking to your investment plan and not withdrawing the money for other purposes (such as eating out at restaurants, buying luxury clothes or travelling). While spending money on these things is normal and part of everyday life, it's important to set up individual accounts to save towards these items and not take money from your dedicated savings or investment accounts to spend on these things.

How should risk-averse people approach budgeting?

  • ​Budgeting is another important tool for anyone who wants to start investing. When you budget, you track where your money is going and ensure you put aside enough each month to reach your financial goals.
  • This budgeting process also includes setting aside money for investments. Of course, if you're worried about losing money, you can always start with a smaller amount and increase it over time as you become more comfortable with investing.
  • To get started, list out all of your income and expenses for a month (either download this as an excel file from your bank or manually type/write these out). Then, look at where you can cut back on expenses to have more money to invest.
  • For example, you may want to spend less eating out at restaurants or reduce the number of subscriptions you have. Once you have extra money available each month, you can start setting aside this money for your savings or investment accounts.
  • Then, you can either automate your investments so that the money is transferred from your checking account to your investment account regularly or make manual transfers when you have extra money available.

Our guides to cutting back on expenses and how to invest regularly have further details.

What are some expected returns for different types of investments?

  • ​Returns are what you can expect to earn on your investments over time. For example, if you invest in a share that goes up by 10%, then you've earned a 10% return on your investment. Of course, returns can be positive or negative and fluctuate heavily over time.
  • When it comes to expected returns, there is no guaranteed investment. However, looking at their historical returns, you can get an idea of what different types of investments may offer. For example, the S&P 500 has had an average annual return of around 10%+ over the past ten years. So, if you invested $10,000 in the index, your investment would be worth around $31,000 after ten years.
  • Different types of investments have different expected returns. For example, shares typically have higher expected returns than term deposits or savings accounts. Over the long term, shares have outperformed term deposits. So if you're investing long-term, you may be willing to accept higher volatility in exchange for the potential to earn a higher return.
  • ETFs and index funds are generally made up of a basket of shares so that they will return similar returns to a sharemarket. However, when purchasing ETFs and index funds, you'll have to pay (low) fees to the ETF providers for creating and managing these products. ETFs also offer the potential for diversification since they often hold hundreds of different shares in various sectors.
  • ETFs are a good option for investors looking to save on fees (compared to actively managed funds, where you may be paying upwards of 2% a year on fees) and get diversification to reduce risk.
  • For more information on ETFs, check out our guide here. We also compare Index Funds and ETFs.
  • Bonds usually have lower expected returns than stocks but are considered less risky. So if you're investing long-term, you may want to include some bonds in your portfolio to help offset the volatility of stocks or ETFs. Our guide to bonds in New Zealand has more details.
  • Bank savings accounts and term deposits usually have low expected returns since they offer low-interest rates. These bank interest rates are dictated by where the Official Cash Rate (OCR) is sitting. Currently, the OCR is at 3.5%, meaning most banks will offer savings accounts an interest rate around or below this level, whilst term deposit rates will be slightly above the OCR rate. For more information on interest rates on term deposits, savings accounts and checking accounts, check out more information on comparing interest rates.

Important:
Past performance isn't an indicator of future returns, and there is always the potential for loss. However, if you're investing for the long haul, you can generally afford to ride out the periods of high market volatility.

What are the main things to keep in mind when choosing investments?

  • ​There are a few things to understand when choosing investments. First, you need to decide what your goals are. Are you investing for retirement or another financial goal? How much risk are you comfortable taking? Your answers to these questions will help dictate what investments are appropriate for you.
  • Next, you need to consider your time horizon, defined as the amount of time you have to reach your goal. For example, if you're investing for retirement, you may have a time horizon of 20 or 30 years. However, your time horizon will be shorter if you're investing for a shorter-term goal. The longer your time horizon is, the more risk you can afford to take since you have more time to ride out volatility in the market.
  • Finally, it would be best to consider your circumstances, including your income, debts, and other financial obligations.

MoneyHub Founder Christopher Walsh Shares his thoughts on shares vs funds (and why it's normal to invest in both):

While it's exciting to pick shares and invest given the potential for significant returns, it's a strategy that few people succeed with over the long term. Research consistently shows that index funds and ETFs, and, in some instances, actively managed funds, tend to outperform individual share portfolios, especially for those without the time, expertise, or resources to research and monitor their investments consistently.

That said, it's completely understandable to want some exposure to higher-risk, high-reward opportunities, and there's a place for that within a balanced investment strategy. A sensible approach is to build a strong foundation with managed funds (index and/or actively managed) and ETFs that provide steady growth while allocating some funds regularly to a portfolio to growth and/or dividend-focused individual shares if you enjoy the process and are willing to accept the risks.

Successful investing isn't about chasing the highest returns but achieving consistent, long-term growth. Diversification is what keeps your investments robust against market ups and downs - by investing in funds, ETFs, and shares, investors can find a balance that suits their risk tolerance and financial goals.

Remember, it's not about beating the market every year -
it's about growing your wealth steadily over time. Please don't rush into share investing - there's a lot to learn, and it's best to start small while you learn more about local and global markets".
Christopher Walsh ​MoneyHub Founder
Christopher Walsh
MoneyHub Founder

A Top Pick for Beginner Investors: Tiger Brokers (NZ) Won Our 2024 Editor's Choice Award for Best Low-Cost Shares & ETF Platform

  • ​Tiger Brokers (NZ) is a low-cost broker. Currently, the broker offers the lowest commissions, 0.35% FX fees and free level-2 data on US-listed shares and ETFs. For US shares, it's a lower-cost alternative to Hatch, Sharesies, Stake and Interactive Brokers. ​
  • Our View: For beginner investors, Tiger Brokers offers an easy-to-use platform with low fees, making it an affordable way to start investing. The app is intuitive, trades are commission-free for US and ASX shares (up to four per month), and features like fractional shares and auto-invest help newcomers build a portfolio without needing large sums of money. With a simple sign-up process, it’s a great choice for those taking their first steps into global investing.
  • Bonus Offer: New customers can receive up to NZ$80 in cash bonuses - get NZ$30 when you open an account and make your first deposit, plus an extra NZ$50 when you deposit at least NZ$2,000 within seven days.
  • Global Markets: The company offers access to US, Hong Kong, Singaporean and Australian stock markets and China A-Shares. Altogether, over 7,000 shares are listed on the platform.
  • Exclusive sign-up benefits: In discussions with Tiger Brokers (NZ), their team has advised us that anyone signing up via MoneyHub will receive the following:
  • Zero transaction fees (e.g. brokerage fees) four times for US and ASX shares every month, for life.
  • Zero currency exchange fees for the first NZ$2,000 of currency exchanged every month, for life (NZD to/from USD and AUD)
  • Receive a NZ$30 cash bonus when you open the account and make your first deposit of any amount, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit.
  • Our view is simple: With all other platforms charging fees (Stake, Hatch, Sharesies, Superhero etc.) for FX and/or share brokerage/transaction, Tiger Brokers' offer is unmatched in value in New Zealand.

MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is aggressively priced for global investors. At a time when some platforms are raising fees or lacking innovation, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. With an Auckland-based team, NZ regulation, and continued innovation (auto-invest, fractional shares, and its own TigerGPT chatbot), it’s a standout choice for cost-conscious investors and one that I use for US and Hong Kong share investments for the reasons outlined above".
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

How Do I Start Investing NZ - Investing Mistakes

What are the Most Common Mistakes that Investors Make?

1. ​Not diversifying
  • One of the most common mistakes investors make is not diversifying their portfolios. Diversification is important because it helps to offset the risk of any one investment.
  • For example, your portfolio will lose value if you only invest in shares and the sharemarket decreases. However, if you're diversified and have bond and term deposit investments, the share decline may be offset by non-share gains.
 
2. Not having a plan
  • Another popular mistake is not having a clear investment plan, defined as knowing your goals and how you will achieve them. Short-term fluctuations in the market make it easy to get sidetracked without a plan.
  • Too often, people look at the day-to-day share price movements - however, investing is a long-term activity. 
 
3. The mismatch between target return and asset allocation
  • Many investors don't give enough thought to their expected return. They assume that all investments will go up in value over time. However, this is not always the case. It's important to understand the potential return of an investment before you make it

More details: Our guide to investing mistakes explain other problems investors face which has been published to help you learn.

What are some tips for getting started with investing?

​If you're new to investing, there are a couple of things that you should do to get started. First, start by saving up some money. You don't need thousands to start investing, but you do need enough to cover the costs of your investment. Additionally, make sure to educate yourself about investing. There are many resources available online, including our investing resources. The more you know about investing, the better equipped you'll be to make good decisions. While investing can be a great way to reach your financial goals, it's essential to understand the basics before you get started. 

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Frequently Asked Questions

How much money should I have to start investing?

You can start investing with any amount of money, but it's important to remember that the more money you have to invest, the greater your potential returns will be. That said, you don't need a heap of money to start. Many platforms, such as Sharesies and Tiger Brokers, have no minimum investment amounts (through fractional share ownership) that allow Kiwis with any amount of money to start investing. Our comprehensive guide to Sharesies vs Tiger Brokers has more details,

What are some low-risk investments?

​Bonds are considered relatively safe investments because you're lending money to a company, entity or government, and they agree to pay you back over time with interest. Savings accounts, call accounts and term deposits are also low-risk options. However, these investments usually have lower returns than shares.

Can I lose money if I invest in bonds?

Yes - it's possible to lose money on any investment, but bonds are generally considered low-risk, meaning they're less likely to lose value than other investments like shares or funds. However, bonds can still lose value if interest rates rise or the issuer defaults on their payments.

What is an automated savings plan?

​An automated savings plan automatically transfers money from your everyday account to your savings account (either weekly or monthly). This savings plan can help you to save money without having to think about it- making it easier to reach your financial goals. You can set up a savings plan with most banks (such as ASB, ANZ, Westpac and Kiwibank) and credit unions.

How do I know if investing is right for me?

The best way to determine if investing is right for you is to understand what your goals are and what your financial future will look like. If you're unsure about what you want, you may want to speak with a Financial Advisor. They can help you to understand the risks and potential rewards of investing, and they can create a customised plan that meets your unique needs. However Financial Advisors aren't without their risks, and we strongly suggest comparing providers to find one you're comfortable with.

What's the best way to start investing?

​There is no right answer to this, as the best way to start investing will vary depending on your circumstances. However, some tips to get started include joining KiwiSaver, signing up for an investing platform (such as Superhero, Hatch, Tiger Brokers, Sharesies or Stake), and investing in index funds.

What are the risks of investing?

​A few risks are associated with investing, including the risk of losing money, the risk of not making any money, and the risk of volatile markets. However, there are also potential rewards - such as the chance to earn high returns and build long-term wealth. Ultimately, weighing the risks and rewards of investing is important before deciding if it's right for you.

Why should I invest in shares?

Shares offer the potential for high returns, which can help you to achieve your financial goals more quickly. They can also be a solid way to diversify your investment portfolio and reduce your overall risk. However, shares are also more volatile than other investments, so it's important to consider your risk tolerance before deciding if they're right. If you feel uncomfortable about the price (and therefore the value of your investment) going up and down everyday, then shares may not be suitable. An alternative would be a managed fund which investments in many shares.

What is the difference between saving and investing?

​Saving typically refers to putting money into a low-risk account like a savings account or a term deposit. On the other hand, investing involves putting money into riskier asset allocations like shares, ETFs or real estate (REITs). Savings accounts have lower returns but are less risky, while investments have higher returns but are riskier. Ultimately, deciding your goals and how much risk you're comfortable taking is important before deciding whether to save or invest your money.

What is the difference between a share and a bond?

​A share represents ownership in a company, while a bond represents a loan you make to the New Zealand government (through the treasury) or a company. When you invest in a share, you effectively become a part-owner of the company and may receive dividends (a portion of the company's profits). When you buy a bond, you're lending money to the government or company, and in exchange, they agree to pay you back over time with interest. Both stocks and bonds can be bought/sold on the stock market.

How do I buy shares?

You can buy stocks through a brokerage account. Brokerage accounts allow you to buy and sell investments like stocks, bonds, and ETFs. You can find a comprehensive review of the most popular investment platforms here.

Investing Platform Reviews:
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  • Credit Cards
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    • Reviews
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        • Qantas Credit Cards
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  • Banking & Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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  • MSD
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  • Motoring
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  • Law
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  • Travel Insurance
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
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      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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      • Graduating Without a Job
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  • Financial Independence
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  • Life Essentials
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • Shopping 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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    • Hamilton Trade Services
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