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
        • Depositor Compensation Scheme (DCS) Explained
        • 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
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • 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
        • Cove Car Insurance - Real Customer Reviews & Facts
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents 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
      • Open a USD 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
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • 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
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  • Banking & Savings
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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    • Health & Personal Care
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  • Trade Services
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    • Hamilton Trade Services
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How to Buy and Sell Bonds

This guide outlines what a bond is, the different types, the pros and cons, where to buy bonds and investing options within New Zealand.
Investing in Bonds NZ
Updated 14 August 2024
Summary
  • Bonds are widely held by almost every KiwiSaver fund, but most investors are unfamilair with how they function.
  • This guide outlines what a bond is, the different types, the pros and cons, where to buy bonds and investing options within New Zealand.
  • While buying bonds directly through a broker is less and less common, many New Zealand companies rely on bond issuance to fund their day to day operations.

To help you understand everything about investing in bonds, we cover:
  • Pros and Cons of Investing in Bonds
  • Types of Bonds
  • Buying Bonds - Where, What and How
  • Investing in Bond Funds
  • Bond Terms - Must-Know Terminology Explained
  • ​How to Evaluate a Bond - Four Must-Ask Questions
  • ​Buying Bonds in New Zealand

Are you looking to invest in New Zealand corporate bonds? Our dedicated NZ corporate bonds guide explains everything you need to know.

Know This First: What Are Bonds?

A bond is a unit of debt. It’s the opposite of a share in a company, which is a unit of equity. When you buy a share, you own a portion of a company or other entity. When you buy a bond, you are essentially lending money to a company, government, or other entity. They then owe you repayment of that money, with interest, according to specified terms. The financial health of the borrowing entity is the deciding factor in its ability to repay the debt.

How Does the Value of a Bond Get Decided?
  • A bond has a “face value,” but publicly-traded bonds derive their value from supply and demand. 
  • A bond that is in high demand and/or short supply may be worth more than the face value on a given trading day (sold at a premium). 
  • A bond that is in low demand and/or plentiful supply may be worth less than the face value (sold at a discount). 
  • Bonds that trade at their face value are sold at par. The closer a bond approaches its date of maturity, the closer its trading value tends to approach the face value.​

How are Bond Interest Rates Set?

  • Bonds have fixed interest rates. The interest rate is usually assigned based on the creditworthiness of the issuing borrower. 
  • In New Zealand, the interest rates of government bonds are set by the New Zealand Treasury. For example, Kiwi Bond interest rates are set and adjusted by the New Zealand Debt Management Office (NZDMO) based on moving averages of wholesale rates. 

Kernel Logo NZ
Visit Kernel
Your investor guide to Investing in Bonds is sponsored by our friends at Kernel, a platform that offers a range of investment products (including low-fee bond funds) and innovative technology to grow your wealth with ease and all in one place.  
  • ​Kernel's products include index and active funds, a high interest saving account and the Kernel KiwiSaver Plan - our review explains more. 
  • 100% NZ-owned, Kernel is trusted by 20,000 Kiwis and has over $1b in assets under management.
  • Kernel offers expertly crafted equity and fixed-income funds at a competitively low price. There are no transaction fees, minimums, or hidden costs.
  • Kernel is suitable for investors with a short, medium or long-term investment timeframe.

Investing in Bonds NZ

Pros and Cons of Investing in Bonds

Bonds are usually low-risk, but not always. Our list of pros and cons explains why they won't appeal to everyone.
Pros:
  • Fixed, predictable returns - bonds don't vary in their interest rate, so you know what the return of your investment will be upfront.
  • Often less risky and volatile than shares - bonds aren't equity, they're debt, so the value won't move around like shares do. If you invest $1,000 in a bond, unless the bond is distressed, you will receive $1,000 back plus your interest.
  • Clear credit ratings for risk analysis - bonds are graded AA, BB+ or similar ensuring you have a clear indication of the risk of the company or government who is issuing the bond.
  • Numerous investment options - bonds can be purchased directly, via an ETF, via a KiwiSaver or managed fund, and the entry costs are lower than ever.

Cons:
  • A larger initial investment is usually required if you buy a bond directly - unless using an investing platform, many bonds issued by companies have $1,000 or even $5,000 minimum investments.
  • Less liquid than cash - while you can sell a bond-backed ETF in a day or withdraw from a bond fund overnight, not all bonds have a secondary market you can sell them on. If the bond becomes distressed, you may find its value decreases.
  • Direct exposure to interest rate changes - the bond market is influenced by market interest rates. If interest rates fall, bond interest rates (and therefore potential returns) fall as well. Furthermore, if interest rates rise, the value of a bond decreases as it has less value amongst investors who can get better returns elsewhere. The devaluation of a bond portfolio caused a handful of American banks to go bust in 2023, notably Silicon Valley Bank.
  • Minimal chance of aggressive growth - unless you're buying distressed bonds believing there will be a recovery, bonds don't increase in value, so your capital gains will be minimal if not zero.
  • Chance of the issuer redeeming the bond early - depending on the terms of the bond, if a bond issuer repays their bond early, your investment will be cashed out in full. This may mean an opportunity cost from other (more lucrative) investments that were available at the time you purchased the bond.

Are you looking to invest in New Zealand corporate bonds? Our dedicated NZ corporate bonds guide explains everything you need to know.

Investing in Bonds NZ

Types of Bonds

Bonds come in all forms, risks and terms. To summarise the typical New Zealand bond market, we have listed the different type of bonds below:
Investing in Bonds NZ

Nominal Bonds and Inflation-Indexed Bonds

​Nominal bonds are issued by the Crown for fixed terms of one year or more.  

​Inflation-indexed bonds are issued by the Crown for fixed terms of one year or more. “Inflation-indexed” means the principal bond value is adjusted daily in response to inflationary or deflationary pressures.

Our view: Both of these bonds are not marketed to retail investors directly. We've listed them to ensure completeness; you can read more about nominal and inflation-indexed bonds on the NZ Treasury website.
Investing in Bonds NZ

Treasury Bills and Kiwi Bonds

​Treasury Bills are issued by the Crown for fixed terms of three months, six months, or one year.

Kiwi Bonds are New Zealand government bonds, only available for purchase by New Zealand residents. The Kiwi Bond is currently rated AA+, the second-highest credit rating.

Our view: This is arguably the lowest risk bond available with investors directly lend money to the New Zealand government. While the interest rate is low, the bonds are in NZD, so there is no currency risk. ​
Investing in Bonds NZ

Other Government Bonds

​Many foreign governments issue bonds to raise funds for public works and public goods. Government bonds are considered less risky due to most governments’ ability to enforce taxation. However, some governments have better credit ratings than others. 

Our view: The risk of an overseas bond depends on the issuer. While some countries have previously defaulted on their government bonds (Argentina, Lebanon, Venezuela and Ecuador), most don't. However, no bond is without credit risk. There is also foreign exchange risk as most foreign government debt is issued in USD or Euros. If the NZD gets stronger against the currency you invest in, your bond will, in NZD terms, be worth less.
Investing in Bonds NZ

​Corporate Bonds

Companies and corporations may issue bonds to raise capital for expansion or innovation. The pricing and interest rate of a corporate bond depends on the creditworthiness of the issuing company. 

Remember, when you buy a corporate bond, you don’t own part of the company like when you buy stock. You own a share of that company’s debt.

Our view: Corporate bonds are issued by companies of all sizes all over New Zealand. They include banks, credit unions and finance companies. Sorted's bond list has more details. As with any investment, the creditworthiness of the company behind the bond is critical to deciding whether or not to invest. Many people lost money in finance companies in 2008 when their 'first-ranked bonds' became worthless.

Are you looking to invest in New Zealand corporate bonds? Our dedicated NZ corporate bonds guide explains everything you need to know.
Investing in Bonds NZ

High-Yield Bonds

​The above bonds are considered “investment-grade,” with creditworthiness high enough to be confident of repayment. High-yield bonds (also known as “junk bonds”) have lower credit ratings. The risk of total loss is higher, but they have higher interest rates to compensate.

Our view: Risky bonds carry higher returns, but only if the bond issuer can make payments. All too often, companies who cannot get bank loans or other forms of debt issue bonds directly with disastrous results later on when the company experienced financial difficulties. Always understand exactly what company is issuing the bonds and the risks involved.

Kernel Logo NZ
Visit Kernel
Your investor guide to Investing in Bonds is sponsored by our friends at Kernel, a platform that offers a range of investment products (including low-fee bond funds) and innovative technology to grow your wealth with ease and all in one place.  
  • ​Kernel's products include index and active funds, a high interest saving account and the Kernel KiwiSaver Plan - our review explains more. 
  • 100% NZ-owned, Kernel is trusted by 20,000 Kiwis and has over $1b in assets under management.
  • Kernel offers expertly crafted equity and fixed-income funds at a competitively low price. There are no transaction fees, minimums, or hidden costs.
  • Kernel is suitable for investors with a short, medium or long-term investment timeframe.

Investing in Bonds NZ

Buying Bonds - Where, What and How

There are a number of ways to buy bonds - we've listed the most popular options below. 

1. Securities Brokers

Stockbrokers, also known as “securities brokers,” are the go-to source for bond trades. They may act as licensed go-betweens for trades on NZX or another exchange. Sometimes, a certain brokerage may have the privilege of selling the initial public issue of a new bond, which investors can often buy at a discount. This is the bond version of a stock IPO.

Brokerage transactions can be executed in person, over the phone, or online via a Cloud-based trading platform.

2. Kiwi Bonds
Residents of New Zealand can buy Kiwi Bonds directly from the Kiwi Bond registrar. This guide from the government explains more.

3. The New Zealand Stock Exchange
The New Zealand Stock Exchange (NZX) is a publicly-owned stock exchange headquartered in Wellington. Bonds traded on NZX must be registered in New Zealand. Bonds can be bought individually, or as part of an exchange-traded fund (ETF). An ETF is a publicly-traded fund containing a curated mix of stocks and bonds.

4. Foreign Stock Exchanges
Residents of New Zealand may buy bonds (or bond-exposed ETFs) listed on foreign exchanges, like the New York Stock Exchange, London Stock Exchange, or Tokyo Stock Exchange. Trades can be facilitated by a licensed broker, either in-person or online.

Note that foreign trades must be executed in the currency of record for the exchange—USD in New York, GBP in London, etc. This carries the added risk of currency losses, should the local currency weaken compared to the New Zealand Dollar. 

5. 
Investing in Bond Funds
We outline ​what's available in the section below:

Investing in Bond Funds NZ

Investing in Bond Funds

Bond funds offer a diversified way to invest in bonds, providing a steady income stream and typically lower risk than growth funds. Bond funds pool money from multiple investors to buy a portfolio of bonds, which can include government, corporate, or other fixed-income securities. Investing in a bond fund gives you exposure to a broad range of bonds without needing to buy individual bonds yourself.

Bond funds offer:
  1. Diversification: Bond funds hold various bonds from different issuers, sectors, and credit ratings, reducing the risk associated with individual bonds.
  2. Liquidity: Bond funds are typically more liquid than individual bonds, allowing you to buy or sell shares in the fund more easily.
  3. Professional management: Fund managers actively manage the portfolio, selecting bonds based on research and market conditions to optimize returns and manage risk.
  4. Income generation: Bond funds provide regular interest payments, which can be reinvested or used as a source of income.
  5. Tax benefits: NZ-based bond funds are often structured as PIE funds, meaning tax is calculated using your PIR and capped at 28%. When buying direct bonds, an investor will pay tax using their RWT rate, potentially up to 39%.

Top Holdings in the Kernel NZ Bond Fund
To help explain, we look at the top five holdings, credit rating and weighting of bonds in the Kernel NZ Bond Fund as at 30 June 2024:
Holding Credit rating Weighting
NZ LGFA Bond AAA 9.44%
Toyota Finance NZ Bond A+ 8.88%
Chorus Bond BBB 7.28%
NZGS Bond AAA 6.70%
UDC Endeavour Auto ABS AAA 6.41%

Popular New Zealand Bond Funds include:

  1. ​NZ Bond - Kernel: This fund invests in a diversified range of New Zealand bonds, focusing on high-quality, investment-grade bonds.
  2. NZ Bonds Fund - SuperLife: Designed to mirror the New Zealand bond market, this fund provides exposure to government and corporate bonds within the country.
  3. NZ Bond Fund - Simplicity Investment Funds: This fund invests in New Zealand Government bonds and other investment-grade liquid bonds, offering a low-cost option for investors.
  4. NZ Bond ETF (NZB) - Smartshares: A popular ETF that tracks the performance of New Zealand fixed interest assets, aiming to outperform the S&P/NZX A-Grade Corporate Bond Total Return Index.
  5. Trans-Tasman Bond Fund - Milford: This fund, focused on New Zealand and Australian bonds, aims to capture income from high-quality corporate bonds across the Tasman.

Another Option: Target Maturity Bond Funds

  • Target maturity bond funds offer a unique approach to fixed-income investing by combining the benefits of individual bonds with the diversification of a fund. Unlike traditional bond funds, which have no set end date and can fluctuate with market conditions, target maturity bond funds have a specific maturity date, similar to an individual bond.
  • This structure lets investors know the exact timeframe in which their investment will mature, providing predictability and aligning with specific financial goals, such as retirement or large purchases.
  • These funds are particularly useful for building bond ladders, a strategy where investors spread investments across multiple target maturity funds with staggered end dates. This can help manage interest rate risk and provide a steady income stream as bonds mature at different intervals. By investing in a target maturity bond fund, investors benefit from diversification across various bonds within the fund, reducing the impact of any single issuer's performance while still enjoying the certainty of a maturity date.
  • Moreover, these funds offer liquidity and convenience compared to managing a portfolio of individual bonds, as they trade like stocks on exchanges, and investors can buy or sell them easily. Target maturity bond funds are a strategic tool for those seeking a balance of income, predictability, and risk management in their fixed-income portfolio.
  • Kernel uniquely offers two Target Maturity bond funds, the March 2027 NZ Bond Fund and the March 2029 NZ Bond Fund. ​​

Investing in Bonds NZ

Bond Terms - Must-Know Terminology Explained

The characteristics of a bond are outlined in the bond’s term sheet. Bond terms to be aware of include:
  1. Offer Amount. The NZD value of bonds included in the issue.
  2. Face Value / Issue Price. The face value of each unit of bond issued. Remember, bonds may trade on public exchanges at a premium, a discount, or at par based on this face value.
  3. Minimum Investment. The minimum NZD value you need to invest. With bond ETFs and managed funds, it may be $1 if you use an investment platform. Buying bonds directly from the issuer via a broker may require a more substantial minimum investment.
  4. Term. The length of time between issue and repayment. For example, if today is 1 January 2021 and the bond matures on 31 December 2022, the bond has a two-year term.
  5. Maturity Date. The end date of the bond, after which the issuer is required to repay the debt in full according to the terms. Some bonds have no maturity date but continue indefinitely. These are called “perpetual bonds.”
  6. Interest Rate. Often referred to as the “coupon” for the bond, an annual interest rate paid to investors for the use of their money. 
  7. Interest Payment Dates and Frequency. When and how often the coupon rate gets paid. 
  8. Ranking. The “seniority” of the bond. If a company has multiple bond issues, senior bonds get paid first, junior bonds paid last. This can become significant if the issuer becomes insolvent and defaults on its bond obligations. Because they get paid first, senior bondholders are more likely to be made whole, while junior bondholders may be out of luck. For this reason, junior bonds tend to carry higher interest rates to compensate for the added risk. 
  9. Credit Rating. Three major international companies assign bonds a credit rating ranging from B (lowest, least creditworthy) to AAA (highest, most creditworthy). The companies are Fitch Ratings (Fitch), Moody’s Investors Service (Moody’s), and Standard & Poor’s (S&P).​

Investing in Bonds NZ

How to Evaluate a Bond - Four Must-Ask Questions

Before investing in a bond, there are some must-know questions to ask to determine the value and risk of the investment.

Important: As with any investment, if you don't understand it, make sure you ask questions. If you still don't understand it, it's most likely better that you don't invest.

Can the Borrower Afford the Debt Burden?

The biggest risk for bondholders is that the issuer may default on the debt. How can you tell if an issuer can afford its debt burden?

If you can obtain the issuer’s published earnings statement from the previous year, do a little simple math as part of your due diligence. Search the statement for operating income (not the net income) and interest expense. Divide the operating income by the interest expense. If the result is 3 or above, the issuer can probably afford its debt. If the result is 2.5 or below, be cautious.

What Is The Yield of the Bond?

Bond interest rates don’t change, but the trading value of the bond changes. The effective interest relative to the value is called the yield. If a bond’s value goes up, the yield goes down because the interest represents a smaller percentage of that value. If the bond’s value goes down, the yield increases. 

Is the Bond Callable?

A callable bond is a bond that the issuer can “call” at any time—that is, repay the debt early. They usually do this when interest rates make this a favourable deal for them. This might not be desirable for an investor who wants to hold onto the bond long-term.

How Long Until Maturity?

As explained above, the closer to the maturity date, the more likely the bond is to trade at par. At maturity, the issuer will retire the debt at face value. Even if you like the terms, it may not be wise to buy a bond at a premium close to the maturity date, since its value is likely to decrease.

Investing in Bonds NZ

Buying Bonds in New Zealand

Anyone can invest in bonds, with KiwiSaver, managed funds, investment platforms and ETFs all offering the opportunity to get exposure. We outline the most popular options below:

1. KiwiSaver
While many KiwiSaver funds may have small investments in bonds, four funds are specifically dedicated to bond investments. These are:
  • Superlife: NZ Bonds Fund, Overseas Non-Government Bonds Fund and the Overseas Bonds Fund 
  • Nikko AM: NZ Corporate Bond Fund

2. Managed Funds and ETFs
Like KiwiSaver, some managed funds offer exposure in bonds. One popular example is the Simplicity Investment Funds' Bond Fund. For ETFs, the NZ Bond ETF (NZB) and Global Fund Bond ETF (GBF) are both available from Smartshares.

International bond ETFs can be purchased using platforms such as Hatch, Stake and Sharesies. In New Zealand, InvestNow offers a number of  bond funds managed locally by the likes of Fisher Funds and Harbour Asset Management. 

3. Brokers
A number of brokers offer direct bond purchases. You can see a list of available bonds on the Sorted SmartInvestor website. Brokers include:
  • ASB Securities
  • Direct Broking
  • Craigs Investment Partners
  • Forsyth Barr

Are you looking to invest in New Zealand corporate bonds? Our dedicated NZ corporate bonds guide explains everything you need to know.

4. The New Zealand Government
Residents of New Zealand can buy Kiwi Bonds directly from the Kiwi Bond registrar. This guide from the government explains more.

Kernel Logo NZ
Visit Kernel
Your investor guide to Investing in Bonds is sponsored by our friends at Kernel, a platform that offers a range of investment products (including low-fee bond funds) and innovative technology to grow your wealth with ease and all in one place.  
  • ​Kernel's products include index and active funds, a high interest saving account and the Kernel KiwiSaver Plan - our review explains more. 
  • 100% NZ-owned, Kernel is trusted by 20,000 Kiwis and has over $1b in assets under management.
  • Kernel offers expertly crafted equity and fixed-income funds at a competitively low price. There are no transaction fees, minimums, or hidden costs.
  • Kernel is suitable for investors with a short, medium or long-term investment timeframe.

Related guides:
  • Investing in NZ corporate bonds
  • Investing Guide
  • Investing in Shares
  • Simplicity Investment Funds
  • Managed Funds​
  • Compare Bonds with Sorted's SmartInvestor Tool
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      • Guides
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        • Guides
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          • Decentralised Finance
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          • Other Coins
            • How to Buy Ripple in New Zealand
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  • Loans & Finance
    • Car Finance
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      • Car Finance Must-Knows Guides
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    • Credit Scores & Interest Rates
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  • Insurance
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      • Reviews & Policy Comparisons
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      • Initio Review
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    • Compare Pet Insurance
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    • Students Insurance
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        • Life Insurance Policies - Features and Questions to Ask
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      • Health Insurance
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        • BMI Calculator New Zealand
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        • What to Do When a Spouse or Partner Dies
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  • Credit Cards
    • Best Credit Cards
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    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
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    • Reviews
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        • 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
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        • Emirates Skywards Credit Cards
        • RewardPay Review
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    • Guides
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  • Travel Money Cards
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      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
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    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
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      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
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      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
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      • Term Deposit Alternatives
    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
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  • Mortgages
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      • How Much Can I Borrow?
      • Debt to Income Ratios
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      • Mortgage Options
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      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • 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
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      • 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
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    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
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      • 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
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      • KiwiSaver in a Divorce or Separation
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    • KiwiSaver Schemes
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      • 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
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      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
    • Compare Business Loans
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      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
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    • Business Insurance
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    • Wise Business Account Review
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      • Business Brokers
    • PAYE & Taxes
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    • Business Calculators & Resources
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
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      • PayPal NZ Account Fees
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    • For Startups
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      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
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      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
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    • Jobseeker Support Guide
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    • SuperGold Card Review
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    • 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
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      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
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  • Motoring
    • Buying and Selling a Car
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      • Turners Cars Review
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      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
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      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
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      • AA Membership Review
      • Best Car Batteries
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      • 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
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      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
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  • Law
    • Wills Guide
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    • Agreeable Review
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    • 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
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      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
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    • 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
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    • Foreign Currency Exchange
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      • Thai Baht Exchange Rate
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Asia
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      • Americas & Africa
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      • Europe
        • France Travel Insurance
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    • Specific Risk Cover
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    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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      • 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
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    • 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
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
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      • Electric Kiwi Broadband Review
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      • Mercury Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Financial Coaches
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
      • SortMe Review
    • Repaying Debt
      • Debt Help
      • Debt Repayment Apps
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
        • Nielsen Online (Computer & Mobile Panel) Review
        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
      • Unclaimed Money in New Zealand
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