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

We outline investments that have a track record of creating long-lasting wealth without the need for market timing
Investments You Can Own Forever
Updated 4 August 2024
If you're looking to make long-term investments into companies that are robust, well-managed and dominate their industry, there are many to choose from. Best of all, it's never too late to invest when the company is outstanding. The reason is simple, and is best explained by a quote from Warren Buffett - "When we own portions of outstanding businesses with outstanding managements, our favourite holding period is forever."
​
This guide lists investments that are generally regarded as 'forever shares'; businesses that are well run, honest, priced sensibly and earn good returns on the capital invested. Please keep in mind that the list is journalistic in nature and does not constitute financial advice in any form. We aim to highlight favoured investing suggestions from a range of experts and explain why they can be considered a long-term investment option.
Why we've published this guide:
  • Our guide to investments to own forever is a response to the thousands of New Zealanders searching for "shares to buy now", "best investments now" or similar.
  • Some guides lack research to back up the reasons why a specific investment is the 'best'. Investing isn't easy when you start, and if you're trying to beat the market, this can be very difficult to do consistently. The reality is most investors underperform the NZX 50 and S&P 500 returns in the long-term.
  • We've included selected investing strategies from Warren Buffett as a reminder that investing in the long-term requires discipline, risk-adverse behaviour and an understanding of what you're investing in. 
  • Please note, none of the companies mentioned in this guide are investment recommendations. Their inclusion is purely an illustration and financial advice should not be inferred. 
  • 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.

Our guide covers:
  • Conservative Index Funds and ETFs
  • Robust Dividend Share Funds
  • Individual Shares (That Meet Strict Criteria)
  • ​Our Conclusion

Know this first: Avoiding the hyped share trap:
Since the rise of investing apps, many inexperienced New Zealanders have invested in the NZX and US markets. While there are many people making solid returns, it's very easy to take shortcuts. When that happens, the events are usually similar to these:
  1. The investor reads a lot of news and hype about a company and decides to invest when the price has already jumped up significantly.
  2. The good news slows down, and the company announces slower growth than expected or a cashflow issue. The share price falls as investors panic.
  3. The investor sells to stop their (paper) losses.

If an investor repeats steps 1 to 3 over and over, their returns will always be negative. The reality is not everyone invests in well-managed companies; there's a lot of speculation and voices claiming that a particular company is the 'next big thing'. Many times, investors lose the most.

The Basic Fundamentals of Investing like a Pro

  • Investors who deliver long-term capital growth are most likely to buy when the price is low and sell when it's high (and deemed 'expensive').
  • Professional investors often sell too early, knowing that no one ever loses money by doing so. Crashes, however, destroy investment returns overnight.
  • Warren Buffett's strategy is simple – buy into quality companies when the price is low, sell when share prices are overvalued, build up cash and wait for a market correction, and then invest when prices are low. Many investors follow a similar strategy to build up long-term wealth.
​​

Investments You Can Own Forever

The Best Investments to Own Forever

1. Conservative Index Funds and ETFs

While markets are near-impossible to outperform in the long-term, individual shares are often part of an investment portfolio. However, index funds and ETFs are arguably an integral (and more valuable) component if you want to build long-term wealth.

Why are selected index funds and ETFs suitable for long-term ownership?
For anyone not prepared to research individual companies, index funds and ETFs have a lot of appeal. As Warren Buffett says, "If you like spending six to eight hours per week (researching) investments, do it - if you don't, then dollar-cost average into index funds". 

How to Invest?
  • Sharesies - Sharesies offers an extensive range of Smartshares ETFs and US-listed ETFs. 
  • Kernel Wealth - Kernel is a dedicated index fund manager with several options which invests in New Zealand and overseas
  • Simplicity Investment Funds - Simplicity offers five non-KiwiSaver funds - Conservative, Balanced, Growth, NZ Bond and NZ Share fund
  • InvestNow - InvestNow's extensive platform offers Smartshares ETFs and the low-fee Vanguard International Shares Select Exclusions Index Fund
  • Smartshares - Smartshares, owned by the NZX, offers 30+ ETFs priced in NZD which invest locally and/or internationally. Many are protected from exchange rate risks. ​
  • Hatch and Stake - ​​Hatch and Stake are both platforms that let you invest directly in the US markets. Hundreds of ETFs are offered on each platform.
  • Tiger Brokers (NZ) - Tiger Brokers (NZ) offers US, Australian and Asian market shares and ETFs.
​​

Sharesies vs Hatch vs Stake Review
Sharesies vs Tiger Brokers (NZ)
Read More: Our Sharesies vs Hatch vs Stake Comparison and Sharesies vs Tiger Brokers (NZ)

2. Robust Dividend Share Funds

Companies that pay regular dividends tend to be well run and have substantial growth prospects. Also, buying into dividend-paying companies gives investors a continuous return every six months or year as payments are made. Receiving $100 or so in the bank for doing nothing has a psychological effect on many people who want to invest more of their savings into dividend-producing companies. This happens when they see their money working for them, the share price rising, and they don't want to miss out on future capital gains and income. Additionally, dividend investors don't always spend the money they receive – they can also re-invest back into new shares. But dividend investors can't set and forget - they need to reassess the growth and safety of their dividends.

Why are robust dividend companies (and dividend index funds and ETFs) suitable for long-term ownership?
  • Dividend-paying companies are profitable and usually have strong foundations. This detailed guide outlines the benefits of investing in dividend shares for the long-term.
  • The graph below indicates that between 1930 and 2017, dividends accounted for about 42% of the S&P 500 Index's total return. This is a significant return on investment even if the share price of some companies stays flat.
  • Dividend shares are usually in demand because they are seen as a safe investment with a near-certain return. 
Dividend Shares Long Term Investments
Source: Hartford Funds

How to Invest?
  • Smartshares offers dividend-focused ETFs that re-invest the returns back into growing the investment. One example is the NZ Dividend ETF
  • Kernel offers a fund called S&P Global Dividend Aristocrats, which invests in global companies that have a record of maintaining a high dividend over a sustained period of time. Examples include Subaru, CBA (owner of the ASB) and AT&T. 
  • Sharesies, Hatch and Stake - Plenty of US-listed shares have strong dividend potential (this guide offers fifteen examples). Your investments will be held in USD however, which means there is an exchange rate risk.
  • Individual share investments - You can invest in shares directly using a broker or a platform. Dividend-paying companies in New Zealand include energy companies like Contact, Meridian and Mercury, and infrastructure companies. Be aware that just because a company has a dividend yield on its profile, doesn't mean it pays a dividend - this just shows the historical dividend (and that's no indication of future dividends).
  • Always triple-check that the company is profitable before investing for dividends, as COVID-19 proved that regular dividend-paying companies like Air New Zealand can turn off its dividend taps overnight.

3. Individual Shares (That Meet Strict Criteria)

As MoneyHub is not a financial adviser nor a sharemarket analyser, we cannot list specific companies worthy of investment. However, there are plenty of reputable online and offline sources that can. Before you invest, however, we believe it's wise to take a step back and evaluate each potential investment on its merits and weaknesses.

Investing with confidence to uphold strong long-term positions
To invest with confidence, some analysis is required. To help explain the points in detail, we've provided some examples that may help you to carefully select quality companies. Before we get to those, it's prudent to keep in mind (and understand) some of Warren Buffett's proven investing strategies. The quotes below are specific to share selection. If properly understood and followed, you will be more skilled and able to invest with a long-term objective (and avoid the temptation of short-term wins). 
​
The most relevant Warren Buffet quotes for any New Zealand investor include:
  • Management of a company: "When we (Berkshire Hathaway) own portions of outstanding businesses with outstanding managements, our favourite holding period is forever".
  • Long-term investing: "If you aren't willing to own a share for ten years, don't even think about owning it for ten minutes. An investor should act as though he had a lifetime decision card with just twenty punches on it. Do not take yearly results too seriously. Instead, focus on four or five-year averages".
  • Index funds vs individual share selection: "If you like spending six to eight hours per week working on investments, do it. If you don't, then dollar-cost average into index funds. Buy into a company because you want to own it, not because you want the share price to go up".
  • ​Investing at the right price: "It's far better to buy a wonderful company at a fair price than a fair company at a wonderful price. For the investor, a too-high purchase price for the share of an excellent company can undo the effects of a subsequent decade of favourable business developments".
  • Investing in robust companies: "The key to investing is not assessing how much an industry is going to affect society, or how much it will grow, but rather determining the competitive advantage of any given company and, above all, the durability of that advantage".
  • Understanding what you invest in: "Never invest in a business you cannot understand; risk comes from not knowing what you're doing. Buy companies with strong histories of profitability and with a dominant business franchise".

Warren Buffett suggests to write down the reason you are buying a share before your purchase it. For example, write down "I am buying Mainfreight at $70 because....". This will force you to clarify your mind and exercise discipline.
Investing in Shares Must-Know Facts

Investing in Individual Shares: Seven Essential Characteristics of Companies Worthy of Investment Consideration

To help bring clarity to what makes a good share and, more importantly, what makes a bad share, we have outlined seven behaviours and traits of quality investments opportunities. 
Investments You Can Own Forever

The company has a product or service which is easily understood

This is arguably more important than any financial metric. Many people get hyped up by the 'idea' of a product or service but then fail to investigate the company's basic fundamentals. Examples of companies that have failed due to their complicated product include Snakk Media (a company with a niche and unprofitable advertising product) and CBL Insurance (a company selling building guarantees in France at a loss). While these companies' management was high-profile in the New Zealand media, the reality is that the products were complicated and incurred tremendous losses in the business world. Another example, although perhaps more severe, is the Theranos scandal.
Investments You Can Own Forever

The company has a low risk of being obsolete or irrelevant

This is subjective, but common sense should prevail. There have been plenty of companies like Yellow Pages, Kodak and Blockbuster Video where the product didn't adapt to changing consumer behaviour. People went digital, which destroyed the sales of the three companies above.
Investments You Can Own Forever

The company has a strong balance sheet and can handle recessions

COVID-19 taught us that too much debt can ruin a business overnight. Many companies have folded due to their debt piles becoming overwhelming. Examples include Pumpkin Patch (which took on too much debt before a recession killed it off) and JUCY Rentals (which had a lot of debt and no cash to cushion it through a COVID-19 tourism slump).
Investments You Can Own Forever

The company has high-quality products or services and isn't having to compete just on price

When you have a company that has to discount its products and services to attract customers continually, there is a high chance it's a slow race to the bottom. This is not a good company for long-term investors. Examples include the US-listed JC Penny department store, and countless airlines which always compete on price and lack the cash reserves to re-invest back into passenger experience. Recent entries to the NZX include Me Today which competes in a crowded market and has little brand awareness.
Investments You Can Own Forever

The company has solid management with long tenures and a focus on long-term results

Such companies arguably include Mainfreight and Briscoes, which have been run by the same people for many years. The experience of the management compounds and strengthens the business. Businesses with inexperienced management include the controversial (and now bankrupt) Mainzeal, a construction company, whose chairwoman was former Prime Minister Jenny Shipley. Wynyard Group is another example.

Milford Asset Management founder Brian Gaynor stated that the "board and management of Wynyard Group have been totally naive in the way they ran the company. They allowed its cost structure to soar while revenue was well below expectations, blowing $176.3m of shareholders' equity in just over three years". Another example includes WeWork (which never listed on the sharemarket after a controversial IPO filing) and was primarily listing to help early investors and founders cash out of the business.
Investments You Can Own Forever

The company has a track record of profitable growth that is sustainable (and not a 'grow and explode at all costs')

This is very important for maximising the return on your investment. Companies that have robustly grown revenue year after year include Mainfreight, Ryman Healthcare and Fisher & Paykel Healthcare. None of these companies have chased massive year-on-year growth and taken on debt to pay for it. This differs from now-defunct Pumpkin Patch, which grew by taking on debt and not making enough money to repay it.
Investments You Can Own Forever

The company is priced reasonably

If you're looking for a stable long-term investment, there's no point investing in an overhyped company that has a sky-high valuation based on future earnings. There is too much risk, and often those with the most prominent voices take the most investor money but don't always have the best product or service, the best cashflow, or sales prospects. Some of the best long-term investments are arguably those with the quietest voices, who instead spend their time and efforts on growing their business.
Important: There are no perfect companies to buy right now because the future is unpredictable. However, by creating a diversified investment portfolio based on strong fundamentals, there is far less risk, and wealth generation is more likely.

Investments You Can Own Forever

Investments You Can Hold Forever - Our Conclusion

Investing for the long term is the only way to turn small amounts into significant amounts. It's easy to be tempted by speculative investments, but they are dangerous. Warren Buffett is clear when he says "Speculation is most dangerous when it looks easiest. Half of all coin-flippers will win their first toss; none of those winners has an expectation of profit if he continues to play the game".

There are so many reliable index, ETF and dividend-paying investments on offer. We suggest avoiding the urge to rush into unproven investments when stable companies are growing all around you.
Sources: Fool.com, lynalden.com, Kiplinger and usnews.com

Related guides:
  • ETFs
  • Index Funds
  • Shares vs ETFs
  • Investing in a Nutshell
  • ​Our Favourite KiwiSaver Funds
  • Sharesies vs Hatch vs Stake Review
  • Investing Glossary
  • ​​Compound Interest Explained
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  • Banking & Savings
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  • Essential Money Tips
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  • Financial Independence
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  • Trade Services
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