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Investing 101 - Investments Made Easy

Make investments like a pro with the right tips and ideas - our detailed Investing guide makes growing your nest egg easy by knowing what questions to ask and what to invest in - shares, cash, bonds, managed funds, property and more.
Updated 16 August 2025
It is never too early to invest for the future. Every New Zealander is different with unique financial needs, but if you have KiwiSaver and/or a bank account, you are by definition an investor already. Deciding on what investments to make does not need to be complicated - MoneyHub has created this guide to point out the many steps you can take to grow your savings while keeping it safe. We also identify some red flags to protect your savings from ‘bad’ investments. 

After you understand the basics of investing, we outline the most common types of investments New Zealanders make, including shares, managed funds and property.

Our guide covers:
  1. Investing – The Basics
  2. ​Understanding The Basics Of Different Types Of Investments
  3. What You Need To Know To Invest Like A Pro
  4. ​Determining Your ‘Investor Type’
  5. Investment Red Flags
  6. Financial Advisers
  7. Frequently Asked Questions

Warning - This guide is informational only - MoneyHub does not offer any investment advice, guidance or any opinion on investment options. 

Are you looking to understand investment terms? Our extensive investing glossary outlines must-know words and explains what they mean with relevant New Zealand examples.


Important: tBefore diving into investments, establishing an emergency fund is your financial foundation – think of it as your financial safety net that keeps temporary setbacks from becoming major disasters. This fund should cover 3-6 months of essential expenses (rent/mortgage, utilities, food, transport, insurance) in an easily accessible savings account. Our guide to emergency funds has more information.
  • Without an emergency fund, you might be forced to sell investments at a loss during market downturns to cover unexpected costs like car repairs or job loss. This turns temporary market dips into permanent losses and can derail your long-term wealth building.
  • Start with a goal of $1,000, then build to one month of expenses, then three months. Even saving $50 per week gets you to $2,600 in a year. Keep this money in a high-interest savings account – it won't earn investment-level returns, but that's not its job. Its job is to be there when you need it.
  • The only exceptions: Your employer's KiwiSaver contribution is free money – we suggest you consider contributing to KiwiSaver for long-term wealth, even while building your emergency fund.
  • Once your emergency fund is complete, you can invest confidently knowing market volatility won't force you to make poor financial decisions. 

Investing – The Basics

​Investing is best defined by billionaire investor Warren Buffett who defines it as “the process of laying out money now to receive more money in the future.” Ultimately, people make investments intending to end up with more money than they contributed. For example, buying a house for $500,000 and selling it later for $1,000,000 is just as valid an investment as buying shares in Xero for $1.00 and selling them for $40.00. For most people, investing is really about having your money work for you over time without worrying about it.  

1. Set Money Aside So You Work Smarter, Not Harder

Most of us work long and hard at our job, whether for a company or our own business, saving a portion of our hard-earned money and putting it aside. If done correctly, our investment grows over time. As our money works for us, working less becomes an option as our savings build up. For example, if you reach 60 and have $500,000 in savings, a 5% annual return is the same as a $25,000 income - this can make a huge difference if you want to spend your time on other things. 

2. Investing does have drawbacks - you can't spend frivolously

Investing money means the same money cannot be spent on things that make us happy, such as holidays, new clothes and eating out. However, balancing spending with saving is not as hard as it sounds – you just need to work out what you can afford and stick to it. In the long term, your investments will hopefully grow in value giving you more financial freedom and the ability to have more money in the future without necessarily working.

​Investing is primarily a means to a happier life in the future. Our investment calculator outlines how making regular monthly contributes can build up your nest egg in no time at all. 

3. Understand Risk versus Reward, and Select the ‘Right’ Investments

Investing has a degree of risk, and the old saying of ‘high risk, high reward’ generally applies to the investment market. To avoid investments that don’t deliver what you expected, you’ll need to start by deciding what you want to achieve with the money you set aside. Once decided, you will have an investment strategy you can use to make the most appropriate choices. 

4. ​Deciding on an Investment Strategy Upfront Makes for Better Investing

Successful investors have two things in common – they are clear and realistic about what they want to achieve, and they research where their money goes and make sure they understand how it works. Anyone who blindly hands over money to something that 'sounds like a winner’ without doing their research, is risking their money. 

Think about financial goals, like saving for a car, buying a house or saving for retirement. It helps to ask, ‘What goal will investing help me achieve?’

​Understand the Basics of Different Types of Investments

Before choosing an investment, it is essential to know what the different types of investment options are. Once you have an idea about the choices available, you can decide which ones are right for your investing goals. 

Bank deposits and term deposits – this is where you invest a sum of money with your bank and earn interest (the return) for a fixed period. For example, a bank offering ‘4.99% p.a. for 12 months’ (meaning that the bank a return of 4.99% per year on your money) is an example of a term deposit, whereas an offer of ‘2.00% on balances above $500’ is an example of a bank deposit (the bank pays you interest on money you keep in your account above $500, for example). Interest can be paid monthly, quarterly or annually. Our guide to term deposits has more information.

Bonds – this is where you loan your money to a company who provides you with a fixed return which is usually (but not always) higher than what a typical bank offers. For example, you can buy bonds in companies you know like Spark, Air New Zealand and Fletcher Building who may offer a return of 5.50% p.a. for two years (meaning every year the company pays you 5.50% of your investment balance). Our guide to investing in bonds has more information.

Property – buying houses is a longstanding New Zealand favourite. The process is simple; you buy a property with two goals in mind – renting it to pay the mortgage and/or provide an income and anticipating an increase of value over the time you own it. Most investor mortgages now require 35% or 40% of the price of the house upfront, but not always, and the rates of returns differ depending on the property type and location. Our guide to investment property risks has more information.

Shares – when you buy a share, you buy a piece of a company – the more you buy, the more of the company you own. Investors buy shares believing the price will go up in time and/or that the dividend (cash return on the share) is attractive. Shares are not without their risks – the price can go up and down every day, and in a given week your investment may fall in value, but you don’t make (or lose) any actual money until you sell your shares. Our guide to investing in shares has more information.

Exchange-Traded Funds (ETFs) - these are investment funds traded on the stock exchange like individual shares, but each ETF contains dozens or even thousands of underlying investments. Think of them as a basket of investments you can buy in one transaction. For example, buying one NZ Top 50 ETF gives you exposure to the 50 largest New Zealand companies. ETFs typically have very low fees (0.10% to 0.50% annually) and provide instant diversification. They're available for almost every investment strategy – from broad market indexes to specific sectors, countries, or themes like sustainable investing. The main advantages are low costs, diversification, transparency (you always know what's in them), and flexibility (can buy/sell during market hours). Our guide to investing in ETFs has more information.

KiwiSaver – KiwiSaver is the government-run retirement saving scheme. It operates to allow you and your employer to contribute to an investment with the aim of building a ‘nest egg’ (sum of money) for your retirement. Read our KiwiSaver Guide to know more. Our guide to our Favourite KiwiSaver Funds has more information.

Peer to Peer investments – a platform, such as Squirrel, lends your money directly to borrowers. The idea is that you get a higher return than that offered by banks while the platform carefully assesses whether borrowers can repay before lending out your money.

Finance Companies – these are private companies and they work by lending your money to borrowers usually in the form of short-term loans. Finance companies pay you a return on your money – for example 9.00% p.a. with a minimum investment of 2 years. Once the two years is up, you can reinvest the money or withdraw it.  Finance companies were in the news a lot during the 2008 financial crisis due to many of them going bankrupt because of borrowers not repaying their loans.

Managed funds – these investments come in many forms. The basics are the same – you buy ‘units’ in a fund, which is made up of many underlying investments. For example, a managed fund may be comprised of 1,000 shares, and so your investment is spread over these shares. The overall performance of the managed fund (i.e. the gain) depends on the performance of all of the investments that comprise your fund. Managed funds usually charge annual fees to operate, which can range from 0.10% to 5.00% of the value of your investment. There may also be entry and exit fees so for these reasons managed funds often form part of a long-term investment strategy. Our guide to popular managed funds has more information.

A business or venture – this could be a startup or buying into an existing operation. This type of investment could be passive (i.e. you don’t need to do anything) or active (i.e. you work in the business). Whatever the nature, this is usually an investment with high risk. For this reason, understanding all of the details about the business before you invest is really important – businesses can become money vacuums, and you may be required to invest more than you originally planned to keep it going in the short term. 

Other investments - we haven’t mentioned investments such as cryptocurrency (i.e. Bitcoin), gold and precious metals, futures and similar platform trading – we believe these are best avoided by the average New Zealander looking to invest in their future. 

To see these investment types evaluated in detail, visit our 10 Ways to Invest in New Zealand guide.

Are You Looking to Start Investing? Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our Editor's Choice Awards:

New to Investing? Start Smart with Tiger Brokers
If you're ready to start investing, choosing the right platform makes all the difference. We've reviewed and compared every major app available to New Zealanders, and ​Tiger Brokers (NZ) consistently delivers the best value.

Why Tiger Brokers?
Lower Costs = More Money Working for You
  • US shares from just US$2 per trade
  • 0.35% currency exchange - the lowest in New Zealand
  • Free real-time market data (others charge $15/month)
  • No subscription fees eating into your returns if you don't trade/invest

Everything You Need in One Place
  • NZ shares (NZX)
  • Australian shares (ASX)
  • US shares (NYSE, NASDAQ)
  • Asian Markets (China, Hong Kong, Singapore)
  • Start with just $1

MoneyHub Reader exclusive benefits:
  • In discussions with Tiger Brokers (NZ), their team has advised us that anyone signing up via MoneyHub will receive the following:
  • Bonus Offer: New customers can receive up to NZ$200 in cash bonuses - simply open an account and within 7 days deposit NZ$2,000 for a NZ$100 bonus, NZ$5,000 for a NZ$150 bonus, or NZ$10,000 for a NZ$200 bonus
  • 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)
  • Please note, standard T&Cs apply

Real Support When You Need It: Tiger Brokers has a local Auckland team and 24/7 live chat

Getting Started is Simple
  1. Sign up online (5 to 10 minutes)
  2. Fund your account
  3. Invest with small amounts while you learn without being penalised by the big fees that other platforms charge

Ready to start building wealth? Visit ​Tiger Brokers (NZ) and claim your MoneyHub benefits today.

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 (NZX investing launched in 2025, 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".

What You Need to Know to Invest Like a Pro

To make the right investments that suit your needs, you'll need to do two things. Firstly, asking the right questions to understand the investment will let you determine if the investment is for you. Secondly, you'll need to follow basic investing principles to allocate your money appropriately among the investments you make. 

To get the best possible returns on your investment, it is vital to understand the investment. We outline some questions you can ask. 

​How is my money being invested?

Understanding how your money will be used is essential. For example, if you are investing into a managed fund, your money will be used to buy a portion of the fund – if the fund’s investments perform well, the value of your investment will increase. If you are investing in the share market, your money is buying a share in a company – the better the company does in the future, the more likely the value of your share will increase. ​

How well has the investment performed compared to similar investments over the last 3-10 years?

Every investment should have graphs or tables to make a comparison. If it doesn’t, that could be a red flag about the seriousness of the investment. If you are investing in something that pays a fixed return, such as a bond, peer-to-peer loan or finance company, there should be data about the most recent returns. 

What are the benefits and risks?

The benefits will usually be an expected rate of return, the potential for an increase in value and low or zero fees. The risks could include losing all of your money – for example, if you invest in a company and it goes bankrupt, you’ll lose all of your money. Likewise with a finance company – if it makes the wrong investments with your money, what you get back may be less than what you put in. Every investment has some level of risk – knowing the risks upfront lets you make a better decision. 

What are the fees and how are they charged?

Many investments, such as managed funds and index funds, charge fees. These can include:
  1. Up-front fees (money you pay to make the investment)
  2. Ongoing fees (money you spend every year to hold the investment)
  3. Performance-based fees (money paid to the investment manager for meeting certain returns, i.e. your fund earns 20% and your fund manager keeps 1/3 of that return as their fee) and
  4. Exit fees (money you pay to cash in the investment and take your money elsewhere). 

​Is there is a ready market if I need to exit the investment?

This is a significant consideration as being able to get your money out is as important as the return you’ll get. Investments like shares, managed funds and bonds can usually be sold relatively quickly, but if you buy a house and the market is flat, selling it might take some time. 

Know This: With every investment, understand its key features, fees, commissions, benefits and risks. It doesn’t cost you anything to ask the company behind the investment any question you’re unsure about. 

Having asked the right questions about the investment, our selection of tips below are designed to protect the money you invest and have it work hard for you in the long term. 

Find the right balance between risk and return

Unless you are investing in a cash deposit or bond, you won’t know the returns on most investments in advance, and there is a possibility that the investment will not meet your return expectations. Each investment type has its own risks – for example, shares and managed funds have ‘market risk’ – the risk that the value of your investment will be affected by overall share market movements. To minimise risk while giving yourself decent returns, it’s essential to find the right mix of investments, which we outline next.

Find the right mix of investments

You will probably get a lower return on your savings if you put everything in the bank rather than invest it in shares, managed funds and/or property. Finding the right mix depends on personal choice and avoid any investments that make you uncomfortable. For example, if you don’t like shares, don’t invest in them. If you want to be able to see and touch your investment physically, a property could be more suitable. If you want to know your investment is safe and accessible at any time, bank deposits and term investments are likely to achieve that.

Diversify your portfolio

The best investors have money in lots of different things, such as cash, bonds, shares, managed funds and even property. By owning several investments rather than just one, a fall in the value of one investment won’t affect your total return in the long term.

Stay for the long term and ride the ups and downs of the markets

Every market rises and falls, take the New Zealand property market or the share market for example. Staying in the markets through different market cycles is essential – if you panic and sell everything when a market falls, your overall returns will be lower than if you stay in the market for the long term.

​NEVER put all of your money into one investment

This follows the ‘eggs in one basket’ rule. People who have a terrible time have usually exposed themselves to one investment which has invariably turned sour. Diversification is the key.

Understand compound interest and how investments grow over time

This is often overlooked, but it’s essential to know. Investing works best when you understand the basics. For example, if you invest $10,000 and it makes a 10% return in the first year, your investment is now worth $11,000 and you have earned $1,000. If during the next year it makes another 10% return, you earn $1,100. You earn $100 more in the second year because of compound interest – interest earned is re-invested into the original investment and interest is earned on that new amount, so you are earning ‘interest on the interest’. This accelerates your investment returns.

Invest for the Short Term, Medium Term or Long Term

The purpose of your investing activity drives your investing goals in the short-term (1–3 years), medium-term (4–9 years) and long-term (10+ years). If your goal is to save for your retirement as you are under 40, this is likely to be a long-term goal. You’ll need to work out how much you want to retire with before budgeting what to set aside every week or month. 

Understand that there are THOUSANDS of investment choices within New Zealand - don't rush in

Investing is a big industry, and New Zealand is not short investment options. To begin with, every bank offers investment options such as managed funds, term investments and KiwiSaver funds. Beyond banks, many financial institutions provide investment options – these include investment platforms such as ASB Securities, Sharesies, InvestNow, Hatch Invest and Kernel Wealth, and Simplicity are numerous. The residential property market (i.e. buying a house to rent it out) is a new nationwide favourite as well. 

Understand the fact that past results NEVER indicate future investment returns

Many investments loudly proclaim their past returns – you’ll see lines like “12.50% average annual return for the last five years”, but this is not a guarantee of future results. If you are looking at the marketing materials that show previous wins, understand this does not mean you will earn this. It may be less, it may be more.

Make regular investments - avoid saving up chunks to invest

It may be tempting to save up a nice round number of dollars to invest, but you will save more if you make regular, small contributions. Many investment platforms don't require you to invest a large amount, so even a $10 contribution will help you in the long term. The only thing you'll need is the discipline to invest consistently regardless of market conditions - knowing a dollar invested can become two dollars for your future will help develop a habit of regular investing.​

Are You Looking to Start Investing? Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our Editor's Choice Awards:

New to Investing? Start Smart with Tiger Brokers
If you're ready to start investing, choosing the right platform makes all the difference. We've reviewed and compared every major app available to New Zealanders, and ​Tiger Brokers (NZ) consistently delivers the best value.

Why Tiger Brokers?
Lower Costs = More Money Working for You
  • US shares from just US$2 per trade
  • 0.35% currency exchange - the lowest in New Zealand
  • Free real-time market data (others charge $15/month)
  • No subscription fees eating into your returns if you don't trade/invest

Everything You Need in One Place
  • NZ shares (NZX)
  • Australian shares (ASX)
  • US shares (NYSE, NASDAQ)
  • Asian Markets (China, Hong Kong, Singapore)
  • Start with just $1

MoneyHub Reader exclusive benefits:
  • In discussions with Tiger Brokers (NZ), their team has advised us that anyone signing up via MoneyHub will receive the following:
  • Bonus Offer: New customers can receive up to NZ$200 in cash bonuses - simply open an account and within 7 days deposit NZ$2,000 for a NZ$100 bonus, NZ$5,000 for a NZ$150 bonus, or NZ$10,000 for a NZ$200 bonus
  • 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)
  • Please note, standard T&Cs apply

Real Support When You Need It: Tiger Brokers has a local Auckland team and 24/7 live chat

Getting Started is Simple
  1. Sign up online (5 to 10 minutes)
  2. Fund your account
  3. Invest with small amounts while you learn without being penalised by the big fees that other platforms charge

Ready to start building wealth? Visit ​Tiger Brokers (NZ) and claim your MoneyHub benefits today.

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 (NZX investing launched in 2025, 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".

​Determine Your ‘Investor Type’

Your relationship with money is personal, and what investments are best for you is unique. We are fans of Sorted.org.nz's investor profile tool which asks nine questions to determine if you are low-risk investor ("defensive" or "conservative") or a high-risk investor ("growth" or "aggressive"), or somewhere in the middle ("balanced"). While your investor type may change over time, determining your profile before you invest will let you make the best decisions. 

We've borrowed the definitions from Sorted below to help you understand what investor type you may be. 

A defensive investor: 
  • Requires investments to be protected to minimise ups and downs in value
  • Is prepared to accept lower long-term returns
  • May need regular income from their investments

A conservative investor: 
  • Looks to minimise ups and downs in the value of their investments
  • Is prepared to accept lower returns
  • May need regular income from their investments

A balanced investor: 
  • Tolerates some ups and downs in the value of their investments
  • Can achieve good returns over the long term
  • Needs minimal income from their investments

A growth investor: 
  • Accepts significant ups and downs in the value of their investments
  • Can achieve high returns over the long term
  • Needs minimal income from their investments

An aggressive investor: 
  • Accepts extreme ups and downs in the value of their investments
  • Can achieve higher returns over the long term
  • Does not need regular income from their investments

​Investment Red Flags

The old saying ‘if it sounds too good to be true, it probably is’ could well be the most important consideration when it comes to choosing an investment. 

Ponzi Schemes – Wellingtonians were badly caught out by the recent Ross Asset Management scam, losing hundreds of millions of dollars. Ponzi schemes have one thing in common – the investment returns are ALWAYS positive and ultimately fictitious and fraudulent.

Banned Company Directors and Bankrupts – if you have heard about an investment opportunity promising great returns that is not marketed by respected institutions, at the bare minimum get details about who is behind it. Usually, such schemes are fronted by banned directors or bankrupts – you can check their names to see if they are indeed either here and here.

Initial Coin Offerings (ICOs) and Cryptocurrency – In late 2017, the New Zealand government’s financial markets authority stopped New Zealand's first ICO from going any further based on some fishy claims by its promoter. Find out more on the risks of investing in blockchain technology projects.

Investment seminars – Dubious characters all over the country host investment seminars which promise to make everyone rich beyond their wildest dreams. If the seminar is selling a specific product, the reality is that hefty fees will be required upfront and almost certainly you’ll be ripped off. The most popular approach is to ask yourself, ‘do I need to pay a lot of money to have access to the knowledge?’ – if the answer is yes, be wary.

Investment and trading software – like investment seminars, this usually includes schemes like FX trading and futures trading among others. The Australian Government’s guide to avoiding being ripped off is an excellent resource.

​Are you looking to understand investment terms? Our extensive investing glossary outlines must-know words and explains what they mean with relevant New Zealand examples.

Financial Advisers - What You Need to Know

The financial advisor environment in New Zealand is somewhat misunderstood, so we've prepared a summary below to walk you through what a financial advisor is, who uses them and how they are paid, along with some tips of what to ask them should you decide to meet with one. 

Our guide to Financial Advisers outlines all you need to know about their role in your investing. We also have dedicated guides for cities all over New Zealand:​

Frequently Asked Questions

How much money do I need to start investing?

​You can start investing with as little as $1 through platforms like Sharesies or InvestNow. However, a more practical starting point is $50 to $100 per month. The key isn't the amount – it's developing the habit of regular investing and being consistent. Many managed funds require minimum investments of $250-$500, while buying property requires significantly more (typically a 20% deposit). Start small, be consistent, and increase your contributions as your income grows. Those who invest over the long term benefit the most.

When is the best time to start investing?

The best time to start investing is now – time in the market beats timing the market. Thanks to compound interest, even small amounts invested in your 20s can grow significantly by retirement. For example, investing $50 weekly from age 25 could grow to over $500,000 by age 65, assuming 7% annual returns, net of tax. Starting later means you'll need to invest considerably more to achieve the same result. The sooner you start, the more time your money has to grow and earn interest.​

Should I pay off all my debt before investing?

It depends on the interest rate of your debt. High-interest debt (credit cards at 20% or more, personal loans at 15% or more) should be paid off first – no investment reliably returns 20% annually. However, with low-interest debt like a home mortgage at around 6%, many New Zealanders invest while paying off their mortgage, especially given the employer contributions that come with KiwiSaver. Student loans in NZ are interest-free, so minimum payments while investing the rest often makes sense.

How are investments taxed in New Zealand?

​Investment taxation varies by type. Bank deposits (savings accounts, term deposits) are taxed at your marginal tax rate (10.5% to 39%). PIE funds (including most KiwiSaver schemes) are taxed at your PIR rate (10.5%, 17.5%, or 28% – often lower than your marginal rate). New Zealand shares generally aren't taxed on capital gains, but dividends are. Overseas investments may fall under FIF rules if their value exceeds $50,000. Investment property is taxed on rental income, and capital gains if sold within the bright-line test period. Our guide to tax on investments explains more.

What's the difference between saving and investing?

​Saving typically means putting money in low-risk, easily accessible accounts, such as bank savings accounts, which earn 2-4% annually. Investing involves taking calculated risks for potentially higher returns over longer periods – shares might average 8-10% annually, but with more volatility. Savings are for short-term goals (under 3 years) and emergencies. Investments are suitable for medium- to long-term goals, where you can ride out market fluctuations. You need both: savings for security and liquidity, investments for wealth building.

What percentage of my income should I invest?

A common guideline is the 50/30/20 rule: 50% for needs, 30% for wants, 20% for savings and investments. However, aim to invest at least 10-15% of your gross income, including KiwiSaver contributions. If you're starting late or have ambitious goals, consider a 20-25% increase. Start with what you can afford – even 5% is better than nothing – then increase by 1% annually. Automate investments so they happen before you're tempted to spend.

Is investing in property still worthwhile in New Zealand?

Property remains a valid investment, but it is no longer the guaranteed winner it once was. Consider the full picture: 35-40% deposits required, bright-line tests, removal of interest deductibility, maintenance costs, and property management. Properties in main centres have experienced strong growth, but they also have high entry costs. Regional properties might offer better yields but potentially lower capital growth. Diversification is key – don't put everything into property. Consider REITs or property funds for exposure without the massive capital requirement.

What's the biggest mistake new investors make?

The biggest mistake is trying to time the market – buying when markets are high (FOMO) and selling when they're low (panic). This destroys returns. Other critical mistakes include not diversifying (going all-in on one investment), ignoring fees, checking portfolios too frequently, making emotional decisions, investing money needed within three years, and not understanding what they're investing in. 

Successful investing is often boring – set up a diversified portfolio, automate regular contributions, and let it run on autopilot. Our guide to investing mistakes has more information.

How do I know if I need a financial advisor?

Consider a financial adviser if you: have complex finances (multiple income streams, business ownership), have received a large sum (inheritance, redundancy), are nearing retirement, feel overwhelmed by investment choices, or need help with tax optimisation. For simple situations (regular employment, starting investing), free resources arguably often suffice. Please not not sign up for "paid courses" from 'experts' covering investing - you can learn what you need for free online.

Are You Looking to Start Investing? Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our Editor's Choice Awards:

New to Investing? Start Smart with Tiger Brokers
If you're ready to start investing, choosing the right platform makes all the difference. We've reviewed and compared every major app available to New Zealanders, and ​Tiger Brokers (NZ) consistently delivers the best value.

Why Tiger Brokers?
Lower Costs = More Money Working for You
  • US shares from just US$2 per trade
  • 0.35% currency exchange - the lowest in New Zealand
  • Free real-time market data (others charge $15/month)
  • No subscription fees eating into your returns if you don't trade/invest

Everything You Need in One Place
  • NZ shares (NZX)
  • Australian shares (ASX)
  • US shares (NYSE, NASDAQ)
  • Asian Markets (China, Hong Kong, Singapore)
  • Start with just $1

MoneyHub Reader exclusive benefits:
  • In discussions with Tiger Brokers (NZ), their team has advised us that anyone signing up via MoneyHub will receive the following:
  • Bonus Offer: New customers can receive up to NZ$200 in cash bonuses - simply open an account and within 7 days deposit NZ$2,000 for a NZ$100 bonus, NZ$5,000 for a NZ$150 bonus, or NZ$10,000 for a NZ$200 bonus
  • 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)
  • Please note, standard T&Cs apply

Real Support When You Need It: Tiger Brokers has a local Auckland team and 24/7 live chat

Getting Started is Simple
  1. Sign up online (5 to 10 minutes)
  2. Fund your account
  3. Invest with small amounts while you learn without being penalised by the big fees that other platforms charge

Ready to start building wealth? Visit ​Tiger Brokers (NZ) and claim your MoneyHub benefits today.

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 (NZX investing launched in 2025, 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".
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