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

We compare the KiwiSaver Digital Advice Tools currently available to help you plan for a better retirement. We look at the features of the tools offered by BetterSaver, Koura Wealth, Milford Asset Management and Nikko am
KiwiSaver Digital Advice Tools
Updated 13 September 2024

Know This First:
It's not always easy to get good KiwiSaver advice. We're asked every day by users where to invest, and given our role as an independent provider of information, we can't (and would never) answer this common question. 

Summary
  • Financial Advisors who recommend KiwiSaver are, in many cases, paid a recurring commission (known as "trail") which rewards them for as long as you stay in the fund they suggest.
  • The fund advisors suggest may not be the most suitable for your needs, have an inferior long-term performance than other options and/or charge higher fees.
  • There has been a recent emergence in digital KiwiSaver advice to take the subjectivity out of traditional financial advisory. These tools are provided either by specialist platforms or KiwiSaver schemes.
  • The tools work by asking you a few key questions to provide you with a personalised KiwiSaver plan.

Our guide looks at the four main KiwiSaver digital advice tools currently in the market - BetterSaver, kōura Wealth, GoalsGetter (Nikko Asset Management), and Milford Asset Management. We cover:
  • In-Person Financial Advisor vs Digital Advice
  • KiwiSaver Digital Advice Tools - BetterSaver vs Koura Wealth vs Milford vs Nikko am
  • Frequently Asked Questions

To make a meaningful comparison, we look at several criteria, including: 
  1. Ease of use – i.e. How easy is the tool to navigate and use?
  2. Quality of explanations – i.e. How helpful and clear are the explanations given throughout the tool so that you can understand the information you're looking at?
  3. Risk profiler – i.e. Does the tool ask enough questions (and the right kinds of questions) to be able to assess the level of risk you're comfortable with when it comes to your KiwiSaver? Does the tool make a reasonable recommendation when it comes to how much risk (or volatility) you should have in your KiwiSaver portfolio?
  4. Contribution rates – i.e. Does the tool allow you to edit your KiwiSaver contribution rate and see how that impacts your final KiwiSaver balance, what that means for your retirement and how that fits into your current lifestyle? Our view is that most New Zealanders are not saving enough for their retirement; a tool looking at your contribution rate is helpful when it comes to planning how much you'll need to contribute to retire (or buy your first home) with a balance you're happy with.
  5. Fund selection – i.e. What fund(s) does the tool recommend to you, and how much information does the tool provide around what the fund(s) mean for you reaching your goal: the more information, the better.
  6. Ongoing advice – i.e. the tool offer continuing help and guidance once it offers a fund or scheme recommendation? E.g. once you sign up based on their advice, will they help you in the future? We believe ongoing advice is critical to ensure you remain on track for your KiwiSaver goals (be that saving for a home or retiring).
  7. Fees – What fees will you be charged for signing up with the provider? We'll lay out their fees and explain how that impacts you in the long run.

Picture

What is the difference between a digital advisor and an in-person advisor?

A few different factors separate digital and human advisors, with core differences around price and knowledge application. We outline these in detail below:

1. Price:
  • The traditional way of receiving financial advice has been to find yourself a financial advisor. Financial advisors generally charge fixed fees to help set you up with a financial plan, and then ongoing annual fees, which may be a set amount and/or include asset-based fees that are a percentage of your assets. For example, 0.50% p.a. of your total investment. 
  • For this reason, personalised financial advice has generally only been accessible to those with a higher net worth, who are in a position to spend money on an advisor.
  • We believe that everyone should be able to access financial advice regardless of income or assets, but given the costs of serving clients, this is uneconomic.
  • Digital advice differs significantly from human advice; the four financial digital advice tools available in New Zealand are all free of charge. The service is provided most likely as a customer acquisition tool; you aren't signing up for anything long-term (other than maybe an email list you can unsubscribe from). 

2. Knowledge application:
  • A human advisor can leverage both the most current financial news and market updates and their own professional experiences when providing financial advice. They'll also consider all of your personal factors, aspirations and anything else that may impact how you reach your financial goals.
  • Therefore, their advice arguably can be personalised to a level that current digital advice tools cannot achieve.
  • However, it's important to remember that humans can make mistakes and certainly aren't perfect. This means the quality of the advice you receive will always depend on the knowledge and calibre of the advisor and the possibility of human error.


Our View: Digital advice tools work within set parameters and boundaries based on specific formulas. So, while they might not ask you the most detailed, personal questions, the questions they do ask are well designed and thought out. You are allowing them to interpret your answers and provide accurate advice, and there's no room for a human lapse in judgement when the tools do this.

KiwiSaver Digital Advice Tools

KiwiSaver Digital Advice Tools - BetterSaver vs Koura Wealth vs Milford vs Nikko am

MoneyHub

​BetterSaver

BetterSaver launched a digital advice tool in April 2021. Unlike the other tools reviewed in this guide, BetterSaver isn't a KiwiSaver provider. Instead, they partner with various providers and offer you their recommendation based on those they partner with. Their current partners are Aon, Booster, Pathfinder, Fisher Funds, Generate and Milford.

Our View: BetterSaver works with several leading schemes (Milford, Fisher Funds, Booster and Pathfinder being key examples). However, it's not a complete comparison of the KiwiSaver market. For example, if you wanted to invest in an index-based growth fund like Simplicity, this advice would not be offered as Simplicity is not a partner.

BetterSaver's Digital Advice Tool in a Nutshell:
  1. Ease of use: BetterSaver's questionnaire is straightforward and easy to complete, and includes questions around ethical investing which no other tool asks about.
  2. Quality of explanations: BetterSaver's tool doesn't offer many explanations when filling out their questionnaire as to why the questions are asked. However, the tool explains why they have recommended you a particular fund (e.g. because you're going to withdraw soon to buy your first house or because you are risk-averse).
  3. Risk profiler: BetterSaver has several questions about risk appetite and factor in these answers when recommending your KiwiSaver portfolio.
  4. Contribution rates: This is not asked 
  5. Fund selection: BetterSaver is new to the market, and the schemes they work with are, arguably, some of the best-performing in the short and long term. Many appear on our favourite KiwiSaver funds guide. Beyond the showcased fund, BetterSaver also lists other funds that they believe would be your next best options. They also offer the ability to compare the recommended fund against your current KiwiSaver provider if you chat with one of their advisors. 
  6. Ongoing advice: Unknown
  7. Fees: Funds charge between 0.84% and 1.49% p.a. + $18 - $36 p.a membership fee: The fees you pay will depend on the provider you end up choosing, so they can vary (see below for more detail). The schemes they work are all actively managed, meaning that the fees are higher than low-cost providers like Simplicity and some bank-branded schemes like BNZ.

Know This: BetterSaver charges their KiwiSaver partners 0.25% p.a. for recommending customers. Our view is that this fee structure lends itself to KiwiSaver providers who already charge higher fees who can pay BetterSaver 0.25% of your KiwiSaver balance every year. For example, if your KiwiSaver balance was $20,000, a BetterSaver-recommended fund would pay $50 a year to BetterSaver. 

BetterSaver's recommended schemes are as follows: 
  • Aon KiwiSaver Scheme
  • Booster KiwiSaver Scheme
  • Pathfinder KiwiSaver Scheme
  • Fisher Funds KiwiSaver Scheme
  • Fisher Funds TWO KiwiSaver Scheme
  • Generate KiwiSaver Scheme
  • Milford KiwiSaver Plan
BetterSaver Digital Advice Tool

KiwiSaver Digital Advice Tools

kōura Wealth

kōura Wealth launched its digital advice service in October 2019. It’s a simple, easy to use tool, with a focus on ensuring New Zealanders adequately contribute to their KiwiSaver. 

Our View: kōura launched its digital advice tool alongside its KiwiSaver scheme, with a focus on ensuring New Zealanders save enough for their retirement. The tool recommends a personalised portfolio and provides the option to edit your portfolio asset allocation, or build your own portfolio altogether. Our interpretation of FMA KiwiSaver data suggests most New Zealanders don't save enough; kōura's tool helps visualise savings and whether or not they'll be enough.

kōura Wealth's Digital Advice Tool in a Nutshell:
  1. Ease of use: kōura's questions are intuitive to complete and take a couple of minutes.
  2. Quality of explanations: kōura's information covers why they've recommended you the portfolio they have, how your portfolio should change over time, and what your expected returns could be. 
  3. Risk profiler: kōura asks about your risk appetite and uses your responses to recommend your KiwiSaver portfolio.
  4. Contribution rates: You can set your current contribution rate and change it (moving it up/down) to see how your rate will impact your final balance, so you can decide what rate will help get you to your dream retirement or first home. One unique feature of the contribution tool is that it allows you to compare your expected retirement income with your current income. This comparison lets you assess what changes might be required to your lifestyle at different contribution rates. 
  5. Fund selection: kōura offers six different funds (from low-risk fixed-income to higher-growth focused equities). After completing the digital advice tool, kōura provides you with a recommended, personalised portfolio asset allocations depending on your goals (e.g. 70% growth assets, 30% income assets). You have the option to accept their recommendation or build a portfolio including one or several of their funds.
  6. Ongoing advice: Unknown
  7. Fees: kōura charges the same fee irrespective of what fund you invest in.
koura Wealth Digital Advice Tool

Milford KiwiSaver Digital Advice Review

​Milford Asset Management

Milford Asset Management launched their KiwiSaver digital advice tool in March 2021. The result is an easy to use tool that has invested in a user-friendly experience.

Our View: Milford's tool carefully considers an individual's risk before determining an investor type. However, like all scheme-driven digital advice tools, users are listed to the platform's funds or associated funds. We liked the question "When you think of the word "risk" in a financial context, which of the following words comes to mind - Danger, Uncertainty, Opportunity or Thrill?" The tool also lets you download a detailed Statement of Advice which helpfully outlines your current situation and potential investment growth.

Milford Asset Management's Digital Advice Tool in a Nutshell:
  1. Ease of use: Milford's questionnaire is clear and straightforward to walk through, with detailed questions. The average user would take around 5 minutes to complete.
  2. Quality of explanations: The explanations given through the questionnaire are detailed but straightforward. Their recommendation comes with an explanation as to why they've labelled you as a particular type of investor (e.g. "conservative"). The tool then outlines the actual portfolio make up, including the allocation to Growth and Income Assets.
  3. Risk profiler: The questions are thorough and detailed to ascertain your risk appetite when recommending your KiwiSaver portfolio.
  4. Contribution rates:  You can set your current contribution rate and also change it (moving it up/down) to see how your rate will impact your final balance. This feature helps you decide what rate will help get you to a comfortable retirement or first home. However, there is no comparison with your current income levels.
  5. Fund selection: Milford offers six different funds with different levels of risk and volatility. The tool provides you with a recommended risk profile and fund (e.g. Milford KiwiSaver Aggressive Fund), which includes information around the fund's asset allocation.
  6. Ongoing advice: The Milford KiwiSaver Plan’s Digital Advice tool will check in with you annually. This check in is a friendly reminder to revisit the advice, and if needed re-engage and re-use the tool to ensure all advice provided is reflective of your current circumstances.
  7. Fees: While it's hard to compare fees across providers due to varying fee structures, Milford is usually one of the more expensive when it comes to fees. Their fees will depend on the type of fund you're in.

​*Milford also has performance-based fees, which can impact the overall total fees you could pay in a given year. Our guide to the Milford KiwiSaver Plan explains these fees in further detail.
Milford Digital Advice Tool

Nikko AM KiwiSaver Digital Advice Review

​GoalsGetter (Nikko Asset Management)

Nikko Asset Management (Nikko am) launched its robo advice tool in March 2019, naming the service GoalsGetter.

Our View: While GoalsGetter provides some useful information around what KiwiSaver fund to choose, it's arguably more suitable for people with a high level of financial and KiwiSaver knowledge. For example, the tool only asks questions when you select the option to be 'recommended funds'; otherwise, users can input all of their funds without ever seeing a personal recommendation.

While it provides users with information, it's less helpful to the everyday New Zealander who may not have enough knowledge to make an informed decision without some more prompts, explanations and advice.


Nikko am's Digital Advice Tool in a Nutshell:
  1. Ease of use: Despite being a new tool, the user experience is arguably clunky and not intuitive. Unlike the other tools offered, it doesn't walk you through each step. Users complete the questions without guidance or explanations - it's mostly presented on one screen, and it's not very user-friendly.
  2. Quality of explanations: The tool doesn't offer any explanations when filling out the initial questions. It also has minimal explanations unless you ask for 'Recommend funds' (whereby more information is given). However, overall, this tool is very light when it comes to practical and simple explanations. In our testing, we were bucketed into a 'Growth Fund' without an explanation of why. The details of the fund, including fees, are clear and well-explained.
  3. Risk profiler: Nikko am asks two questions about risk, but users can only navigate to the risk section if they choose recommended funds (which are optional). The risk questions are self-selective compared to the other tools that ask specific situational questions to determine your risk for you. There is a risk that 'risk' is being under-assessed.
  4. Contribution rates: Users can input and edit your contribution rate and see how this will impact your estimated end value of your KiwiSaver. 
  5. Fund selection: Nikko am offers nine different funds, and once you ask for a recommendation, they provide you with further details on the fund(s) and your asset allocation. 
  6. Ongoing advice: Unknown
  7. Fees: Nikko's fees depend on which funds you're invested in (with growth-focused funds charging on the higher end).
Nikko AM DIGITAL ADVICE TOOL

KiwiSaver Digital Advice Tools

KiwiSaver Digital Advice Tools - Frequently Asked Questions

Digital advice and KiwiSaver work side-by-side, but there are many questions about what the ultimate goal is. We believe all of the digital tools above have maximising individual wealth at the right risk level as their primary focus. We've listed two common questions below to better explain how digital advice works.

Are any digital advisors independent?

In most cases, no. Digital advice tools are generally built by a company that offers financial services (like kōura and Milford, both being KiwiSaver providers, offering a KiwiSaver digital advice tool). This means that it's in their interest to provide you with helpful information that may encourage you to sign up with them. However, with all of the rules and regulations imposed by the FMA, there is minimal risk of digital tools offering advice that isn't based on facts and number crunching. 

Why do people get KiwiSaver advice?

We are fans of KiwiSaver and believe it is an excellent financial product that is going to help millions of New Zealanders in their retirement. However, 1 in 3 members don't contribute, and the average balance remains low (around $30,000). Receiving advice is an excellent way for everyday New Zealanders to become better informed, so there are no surprises down the line.

We believe:
  1. KiwiSaver is an investment, not a savings account. For this reason, it's not a "set and forget" financial product. Your needs at 25 are different to those at 65, and therefore, we believe regular reviews of your KiwiSaver fund (rather than logging in to check the balance) is a good idea.
  2. KiwiSaver should be personalised to suit your goals. What fund(s) should you be in? Are you in the right risk-weighted fund? Are you close to withdrawing your KiwiSaver, and if so, is your fund appropriate while you get close to doing so? Personalised advice will help you answer all of these questions and more.
  3. For most New Zealanders, contributing 3% of their salary won't be enough to fund a comfortable retirement. Superannuation rates pay for the basics; we believe that for most New Zealanders, a 3% personal and 3% employer contribution rate won't deliver a sizeable nest egg. We consider a personal contribution rate of 8-10% is more likely to give people the retirement they're hoping for.

Related Guides:
  • kōura Wealth KiwiSaver
  • Milford KiwiSaver Plan
  • Nikko am KiwiSaver Scheme
  • Our Favourite KiwiSaver Funds and Schemes
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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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    • Health & Personal Care
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  • Trade Services
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