MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • 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
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • 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
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • 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
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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Managing Offshore Investments for Returning New Zealanders and Migrants

Our guide outlines key considerations for your overseas investments if you have recently returned to New Zealand after a long period away, or if you are new to New Zealand.

Managing Offshore Investments for Returning New Zealanders and Migrants
Updated 19 June 2021

Despite the appeal of living in other countries, Kiwis who have spent long periods of time overseas will often return to New Zealand. Covid-19 has only hastened this return for many Kiwis. Returning New Zealanders will usually have built up their wealth while overseas, so they must decide on how to deal with these now-foreign investments once they are back home. New migrants to New Zealand face a similar situation, with the question of whether to move assets to New Zealand or keep them offshore. Tax liability is a major consideration for both returning Kiwis and new migrants, but there are also other factors to consider before moving any offshore assets.

We recommend consulting a financial adviser and/or tax professional to determine the best path for you. Every person’s financial landscape and circumstances is different, so the subsequent rules and tax treatment that apply will vary from individual to individual.

In this guide, we cover important tips for returning Kiwis and new migrants. We outline:
  • Know this first: Are you a New Zealand tax resident? What does this mean?
  • Transitional residency – a four-year exemption from paying tax on certain forms of overseas income
  • How does tax apply to your overseas investments? We take a deep dive into three common forms of overseas investments: foreign currency (including foreign bank accounts), foreign investment funds and portfolio investment entities
  • 7 must knows before shifting your overseas investments
  • Concluding comments and next steps

Please note: Offshore trusts are excluded from this guide. Our view is that New Zealand-resident trusts are already complex enough without adding international borders to the mix.

Am I an NZ tax resident?

Know this first: Are you a New Zealand tax resident?

If you are a New Zealand tax resident, you will pay tax on “worldwide income” even if some of this income has already been taxed in another country. New Zealand has no formal capital gains tax, though there are rules geared at taxing certain types of gain (e.g. buying and selling residential property in New Zealand within a certain timeframe).

Tax residency is different to immigration status. For example, you can be a New Zealand citizen but not be a New Zealand tax resident if you spend most of the year living in another country.

You are considered a New Zealand tax resident if you:
  • Have been in New Zealand for more than 183 days in the last 365 days, OR
  • You have a permanent place of abode (a place where you call “home”) in New Zealand

If you are not sure whether you are a New Zealand tax resident under either of these two tests, check out the Inland Revenue Department’s (IRD) guide on determining your tax residency here.

Managing Offshore Investments for Returning New Zealanders and Migrants

Understanding Transitional Residency

The New Zealand tax system offers a temporary special tax status for recently returned Kiwis and new migrants called transitional residency. The transitional residency schemed is designed to allow new migrants and returning Kiwis time to sort out their financial affairs before becoming a New Zealand tax resident and being subject to New Zealand tax rules. Transitional residents can use this time to determine whether they want to transfer foreign investments to New Zealand and when the best time for doing this would be.

If you are a new New Zealand tax resident or if you have not been a New Zealand tax resident at any time in the past 10 years, you may qualify as a transitional tax resident. As a transitional resident, you will not be taxed on most forms of overseas income for the first four years you are in New Zealand.
For the first four years, transitional residents do not have to pay tax on many types of overseas income, including:
  • Income earned from working overseas before you moved to New Zealand
  • Income from shares in overseas companies, unit trusts or foreign life insurance providers
  • Overseas interest, royalties and dividends
  • Rental income from overseas
  • Withdrawals from overseas superannuation schemes
  • Beneficiary income from overseas trusts
  • Income from exercising overseas employee share options

While you do not need to pay tax on these sources of overseas income, you still need to file an IR3 individual income tax return. Inland Revenue lists the full set of exempt and non-exempt income for transitional residents here.

Transitional Residency – Frequently Asked Questions

Do I have to apply for transitional residency?
No, you will automatically be granted transitional residency if you qualify. However, you may choose to opt out of being a transitional resident. A person can only be granted transitional residency ONCE in their lifetime so you may choose to save your four-year tax exemption for later if you plan to leave New Zealand for another 10+ year period and then return.

When does my transitional residency period run from?
The start date depends on which test you qualify as a New Zealand tax resident under. If you are a New Zealand tax resident due to the 183 day rule, day 1 of the 183 days you’ve spent in New Zealand is the first day of your transitional residence. Your transitional residence ends 4 years after the end of the month in which you have been in New Zealand for. For example: you spent one day in New Zealand on 15 October 2016, and then 182 days in New Zealand between 1 December 2016 and 10 September 2017. Your transitional residence period runs from 15 October 2016 to 31 September 2020.

If you are a New Zealand tax resident due to the permanent place of abode rule, the first day of your transitional residence is the day on which your permanent place of abode was “established”. Your transitional residence ends 4 years after the month in which you established the permanent place of abode. For example, you returned to New Zealand, bought a house and moved in on 15 October 2016. Your transitional residence period runs from 15 October 2016 to 31 October 2020.

If I work for a company that is not based in New Zealand but I am a transitional resident, do I have to pay tax on this overseas income?
Yes, you do. Transitional residents must pay tax on any income received as payment for services, even if the payer is based overseas. Any money you receive from doing “work” (whether in the form of wages, salaries, invoices paid, commission etc.) is subject to income tax.

Can companies be granted transitional residency status?
  • No, only individuals can. Trusts and companies that become resident in New Zealand will pay tax on foreign income from day one.

I am planning to apply for Working for Families Tax Credits. Does this affect my tax residency?
Yes, it will. You and your partner should assess your financial landscape before applying for Working for Families Tax Credits as this application could disqualify you from being deemed a transitional resident.

Managing Offshore Investments for Returning New Zealanders and Migrants

How does tax apply to your overseas investments?

Once you become a New Zealand tax resident, you will be taxed on previously exempt overseas income so you should use the four-year transitional residence period to decide what to do with overseas assets and investments.

In this section, we take a closer look at three of the most common investments returning Kiwis and new migrants will have to deal with: 1. foreign currencies, 2. income from “foreign investment funds” and 3. “portfolio investments entities”.

1. Holding foreign currencies

Must-know facts:
  • You may have to pay income tax on any foreign currency you hold. The IRD considers gains from foreign exchange fluctuations as taxable income if it comes from a “financial arrangement”. “Financial arrangements” include bank accounts, term deposits, bonds, debt securities and derivatives. If you hold foreign currencies in overseas bank accounts, you may be accumulating “income” unknowingly if foreign exchange rates work in your favour. Even small shifts in foreign exchange rates can lead to significant “income” if you hold large amounts of foreign currencies.
  • For Example: You have a Canadian bank account with $100,000 Canadian dollars. On April 1 2020, 1 Canadian Dollar was worth $1.10 in New Zealand dollars. On March 31 2021, 1 Canadian Dollar was worth $1.15 in New Zealand dollars. You have gained 5 cents in New Zealand Dollars for every Canadian Dollar in your Canadian bank account, so you have “made an income” of NZD$5,000 just by holding Canadian dollars.
  • If the total of your foreign currency accounts exceeds NZD $50,000, you will be subject to tax. For you to be exempt from tax on your foreign currencies, your total foreign currency holdings must be below $50,000 for every day of the tax year. If it exceeds this threshold for even one day of the year, you will have to pay tax.
  • How much tax will you pay? Unless your financial arrangement is exempt (e.g. the total of your balances come under $50,000), you will have to pay tax on your total income from the account. This means any interest you have earned, as well as foreign exchange gains.
  • When do you have to pay this tax? This is rather tricky to determine as the answer depends on whether you are a “cash basis person”. We suggest consulting a financial adviser to determine if you are a cash basis person if you meet either of the following:
    1. The total value of all your financial arrangements is under NZD $1 million, or
    2. The total value of income and expenses is under NZD $100,000

Know This:
  • A cash basis person will pay tax on any interest received based on their foreign currency account when this interest is received. A cash basis person does not need to calculate their foreign exchange gain or loss for every tax year and pay tax on it annually. Rather, the difference in foreign exchange is calculated once the financial arrangement is terminated (e.g. bank account is closed, term deposit rolls over or a loan matures), at which point you will need to pay tax on any foreign exchange gains.
  • If you are not a cash basis person, you will pay tax on foreign exchange annually. The interest and foreign exchange gain / loss is calculated from April 1 to March 31 of a particular tax year. There are several methods for spreading income across the life of your accounts, each with different implications for how much tax you are liable for and at what time.
  • Tax on foreign currency accounts can be very complicated, so we recommend seeing a tax professional or financial adviser.

2. Foreign investment funds

Must-know facts:
  • You will have to pay tax on most forms of foreign investment fund (FIF) income. Foreign investment funds include investments such as: shares in overseas companies, shares in an overseas unit trust, interests in a foreign superannuation scheme, or an interest in a life insurance policy with an overseas provider. You will need to declare any FIF interests to IRD.
  • Your income from certain Australian investments may not fall under the FIF rules. The following are exempt from FIF rules:
    1. Shares in a company listed on the Australian Stock Exchange (ASX) that is resident in Australia and maintains a franking account (similar to a New Zealand imputation account)
    2. Units in most Australian unit trusts
    3. An interest in an Australian-regulated superannuation scheme
Only dividends from these Australian-based interests are taxable.
  • Your interest in a foreign superannuation scheme may also be exempt from FIF rules.
    • If you were entitled to foreign superannuation before you became resident in New Zealand, you will only pay tax when you receive a lump sum payment, you receive pension, or you transfer this foreign superannuation to a New Zealand or Australian superannuation scheme.
    • If the total value of your interest in all FIFs is under NZD $50,000, you may have a “low-value FIF superannuation interest”. In this case, you will also only be liable for tax when you receive a lump sum or pension, or you transfer your superannuation to New Zealand or Australia.
  • How much tax will I owe on my FIF? If your FIF income doesn’t fall under any exemptions, you will have to pay tax. There are several methods for calculating how much tax you owe in any given year. Here, we touch on two:
    1. The most common (and also default) method is the Fair Dividend Rate (FDR) method, where you are generally taxed at 5% of the value of your investment at April 1. This rate applies regardless of your actual income or capital gains. Under the FDR method, dividends and capital gains are not taxed separately. So if you owned NZD $10,000 of shares in a Swiss company, you must pay tax of $500 (5% of $10,000) even if you received no dividend for the year and the value of your shares did not appreciate during the year.
    2. Another method is the Comparative Value method. This calculates your tax liability by adding together any actual dividends you receive, as well as any capital gains. So if you owned NZD $10,000 shares in a Swiss company that paid you a $100 dividend for the year, you would pay tax on the $100. If the value of your shares didn’t change over the year, you would not need to pay any capital gains tax.

3. Portfolio Investment Entities (PIEs)

Must-know facts:
  • What is a PIE? A PIE takes contributions from multiple investors and invests these funds in different types of investments. Managed funds, benefit funds and group investment funds are examples of PIEs.
  • How is tax calculated on PIEs? You will generally be taxed on your PIE income at your Prescribed Investor Rate (PIR). Depending on your income for the past two years, you will either have a rate of 10.5%, 17.5% or 28%. You do not need to include dividends from PIEs in your tax return. Usually, your PIE will use your PIR to pay tax on your behalf.

Managing Offshore Investments for Returning New Zealanders and Migrants

7 must-knows before deciding how to deal with your overseas investment

Naturally, if you would be paying tax at a higher rate in the country where your overseas investment is based (compared to New Zealand), it may be a no-brainer to transfer your investments to New Zealand. However, the tax savings should not be the only factor influencing your decision.
We list seven other factors you should be aware of when deciding whether to shift your overseas investments to New Zealand:

  1. You may be exposed to fees and penalties for withdrawing from certain investments. Find out whether this is the case, as a hefty administration fee could take a big chunk out of any tax savings you would stand to gain.
  2. Shifting your overseas investments to New Zealand if you plan to live here long-term could reduce the complexity of your tax reporting every year. If you only have New Zealand-based investments, you will not need to worry about filing tax returns in different countries and navigate multiple sets of tax law.
  3. Overseas investments may put a strain on your cashflow. If you have FIF investments, you may have to pay tax even if you have not realised any gains. You may have to sell other assets you own to cover your yearly tax bill. With only New Zealand-based equities, you will not experience this cashflow issue as New Zealand generally does not tax capital gains on these types of investments.
  4. Timing can make a difference in several ways. Perhaps the current exchange rate is favourable so you can take advantage of this and transfer funds to New Zealand. Perhaps your investments do not mature for another year or two, and you will lose out if you withdraw before the maturity date. Or perhaps you are currently in a lower tax bracket and foresee yourself being in a higher tax bracket for the next tax year – in this case you may wish to take advantage of a lower marginal tax rate and shift some of your overseas investments to New Zealand.
  5. You should also consider the range of investments available overseas and in New Zealand. Perhaps you will not be able to find a scheme in New Zealand that matches your investment philosophy as well as overseas, or with as good a track record. In this case, you may be willing to make the trade-off of more complex tax arrangements for better investment performance.
  6. With a foreign superannuation scheme, you have three options: leave the scheme overseas, transfer your interest to New Zealand, or wind it up.
    • Some pension schemes can be transferred to New Zealand (e.g. from the United Kingdom or Australia). You should check if it is possible to transfer a pension from a certain country to New Zealand. We have written a guide for readers who are considering transferring a UK pension to New Zealand here.
    • If your foreign superannuation is exempt from the FIF rules as explained above, you should keep the scheme overseas if there is a possibility you will return to that country later and receive payments there. This may save you the hassle of working out how much tax you owe once in New Zealand, and then again when you leave New Zealand. Additionally, as New Zealand KiwiSaver is taxed at your Prescribed Investor Rate, it would probably be more tax efficient to keep tax-free superannuation overseas.
  7. Tax treaties may reduce how much tax you owe. Tax treaties between nations outline which country will tax what income. Tax treaties are constantly being updated so you should check what agreements are in place at a given time. The IRD lists the tax treaties New Zealand has entered here.
    • Some tax treaties will allow tax credits, which means if you pay a certain amount of tax in one country, you get a credit for this amount in the other country.
    • For example: You received a $100 dividend from a Canadian company as a New Zealand resident. You have paid tax at 20.5% based on Canadian tax rules. In New Zealand, you would need to pay tax at 33%. Instead of being taxed twice ($20.50 + $33), a tax credit may mean you will only have to pay an additional $12.50 in tax in New Zealand so the total tax you pay is $33.

Managing Offshore Investments for Returning New Zealanders and Migrants

Concluding comments and next steps

  • Managing a diverse portfolio of New Zealand-based investments is hard enough. Adding overseas investments into the mix will increase the complexity, especially due to convoluted tax rules that apply differently to different situations.
  • While tax efficiency will likely be front of mind, other factors like streamlining tax administration, reducing compliance costs, and your long-term plans should also inform how you deal with your overseas investments.
  • Luckily for new migrants or Kiwis returning to New Zealand after a long stint away, transitional residency may buy time to sort out your international financial affairs. If you are a transitional resident, make the most of your four-year exemption period to get your investments in order.
  • We strongly recommend seeking professional advice on your financial affairs, as you will likely have a significant sum of money based in overseas investments. You could consider talking to:
  • A tax accountant with expertise in international tax 
  • A private wealth advisor
  • Migrant banking services available at major banks
    • Westpac Migrant Banking
    • ASB Relocation Specialists
    • ANZ International and Migrant Banking Team
    • BNZ Migrant Banking

Related Guides
  • ​Tax on Investments and Savings
  • UK Pension Transfer to New Zealand
  •  KiwiSaver and Tax
  •  Working for Families Guide
  •  PAYE Income Tax Calculator
  •  What's My PIR Tax Rate?
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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • For Startups
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  • MSD
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  • Motoring
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  • Law
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
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    • Money & Relationships
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      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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    • Challenging Economic Conditions
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      • Graduating Without a Job
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  • Financial Independence
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      • SortMe Review
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    • Tax
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      • Salary Sacrifice in New Zealand
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  • Life Essentials
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      • Paid Survey Websites Review
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        • Opinion World Review
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      • Free Samples
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Printers
      • Best Computer Desks
      • Best Antivirus, Anti-Malware and Internet Safety Habits
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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