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 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
          • Interest Rate Predictions 2025
            • Money Sweetspot Review
            • 20 Property Investment Risks You Can't Ignore
            • Shares vs Property Investment
            • Milford vs ANZ KiwiSaver Growth Funds Comparison
            • Best Performing KiwiSaver Funds
            • Kernel Shares & ETF Investing 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
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • 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
      • 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
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  • Banking & Savings
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  • KiwiSaver
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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NFTs -The Definitive New Zealand Guide

What are NFTs? It’s not an easy question to answer. We’ve written this NFT guide to explain what they are, how they work and whether it’s possible to make money buying and selling NFTs. 
Guide to NFTs
Updated 18 July 2024
Summary
  • NFTs or non-fungible tokens are the latest addition to the world of decentralised finance. An NFT represents a unique or rare item. They evolved from an earlier concept called CryptoArt.
  • Typically, NFTs represent a digital product, such as artwork, animations, avatars, videos or music; they can also represent a physical counterpart, such as a collectable stamp, coin or car.
  • NFTs are registered on a public blockchain, such as the Ethereum Network, to prove ownership and verify authenticity. Smart Contracts are used to store metadata, which describes the characteristics of the asset.
  • NFTs are traded online in peer-to-peer transactions, typically using cryptocurrencies. Creators sell their NFTs on various platforms or their own websites. Buyers can sell their ownership rights in secondary marketplaces.
  • It can be hard to understand NFTs without understanding the underlying use cases and culture. This guide explores everything you need to know about NFTs.
 
Know this first:
  • If you’re planning on investing in NFTs, be aware that NFTs have no intrinsic value besides what the market determines. Just because you bought an NFT for $1,000 doesn’t mean someone else will.
  • Despite the many headlines of multi-million dollar NFT sales, only a handful of collections gain value. There are thousands of other NFTs trading for less than a dollar or two.
  • Not all cryptocurrency wallets support NFTs, and not all NFT wallets support every standard. Make sure you transfer your NFTs to a compatible wallet.
  • It’s fine if you’re curious and want to explore new concepts and technology. But, do not invest in things you do not understand. There is no certainty that any NFT you purchase is likely to appreciate.
 
Summary:
  • NFTs have recently gained a lot of attention following Meta’s (formerly Facebook) recent metaverse push, which encompasses NFTs in its vision.
  • The NFT ecosystem has undergone rapid development, and there are already several blockchains supporting NFTs, publishing platforms, marketplaces and compatible wallets.
  • More than US$15 billion worth of NFTs have been sold in 2021 so far, but the market declined significantly in 2022.
  • The most expensive NFT sold to date is the “Everydays: the First 5000 Days”. The NFT was sold for US$69.3 million in 2021; this was one of the most expensive artwork sales of a living artist in history.
  • NFTs are digital items that exist on blockchains like Ethereum and Solana and are defined in smart contracts accessed via compatible crypto wallets.

In this guide, we outline:
  • Introduction to NFTs
  • How is the value of an NFT determined?
  • What can NFTs be used for?
  • Where are NFTs stored?
  • NFT compatible crypto wallets
  • How are NFTs created?
  • How to trade NFTs?
  • Frequently asked questions

Guide to NFTs

Introduction to NFTs

NFTs are a type of digital asset that can only have one owner at a time. Each NFT is registered on a blockchain and has a unique registry number and metadata describing the NFT. The blockchain keeps records of the creator, creation date and ownership history of an NFT. Blockchains make it easy to transfer NFTs to others.
 
The first NFT was created in 2015 using the Ethereum blockchain. Since then, the interest in NFTs has grown considerably, creating another important use case for blockchains. People begin owning collectable art pieces and buy the rights to art, media and digital objects, holding on to them until their value appreciates - which normally happens when people begin using them in new online environments.
 
NFT are a digital asset and follow common principles of decentralised finance. For example, the characteristics of an NFT are written in a smart contract, then minted on a blockchain. NFT owners need a digital asset wallet that supports NFTs. Many cryptocurrency wallets and exchanges have begun supporting NFTs already. For example, Coinbase wallet supports NFTs and Binance exchange launched an NFT marketplace. 
 
NFTs are non-fungible tokens. Fungibility is when you can exchange a unit with another unit that holds the same value. For example, a $5 note can be exchanged for another $5 note, or even 5x $1 coins; the same goes for cryptos, as you can exchange one Bitcoin with another one.
 
In contrast, something that is non-fungible is something that cannot be exchanged for something else, like-for-like. For example, only one painting of the Mona Lisa exists. Therefore, it cannot be changed for another Mona Lisa, nor can it be exchanged with another similar painting. Rather, it can be sold at a value determined by demand.
 
Besides digital art, NFTs are growing in value in gaming communities, particularly games with virtual worlds and the metaverse trend. NFTs can represent in-game assets. For example, the blockchain game CryptoKitties, where people could own digital cats, breed them and trade them when they rise in value. Each virtual cat holds a unique number and specific attributes that cannot be copied or duplicated.

Guide to NFTs

How is the value of an NFT determined?

First of all, an NFT is a general term, kind of like a car or house. An NFT can represent any artwork, digital property, tokens, or collectable item that can be traded online, so each NFT is priced separately based on the characteristics and demand for the item.
 
When thinking about NFTs, especially their value, it’s usually easier to think about it from the perspective of artwork and collectables. However, NFTs have other use cases which are described in this guide.
 
As NFTs are typically sold on digital marketplaces and auction sites where the price of one item is determined by market activity and demand and supply factors, so when there are more interested buyers, the price increases, and vice versa.
 
In the cases of artwork, NFT owners do not necessarily own the copyrights to any works; they just own the ownership rights. Just like how you can buy an umbrella with the Mona Lisa on it from the Louvre gift shop, others can copy & paste, download or print digital artwork, even if it’s an NFT.
 
For example, the image below is for sale on the OpenSea marketplace for 0.03 ETH (NZ$175). A Mona Lisa umbrella is not worth anything close to the original artefact; nor is the below image a claim to owning the original, and nothing prohibits the creator from creating more. Michelangelo is prevented from creating more Mona Lisa’s because of his passing more than 500 years ago.
Guide to NTFs
BIG BUBBLE NFT artwork created by STELO.
​Like any other collectable item, the value of an NFT is based on three main aspects, scarcity, utility, and emotional value. These three aspects are almost the same in the case of real-life auctions where expensive pieces of art and paintings are being sold, and the demand of the buyers drives the price of one piece of art.

Scarcity

​One of the main aspects that determine the value of owning an NFT is how rare it is. The rarer and the harder it is to find that specific NFT, the more expensive it gets. Even if other or similar copies are created, that does make an NFT worthless. Some creators may mint just one copy of their artworks, while others may create a dozen of one or a collection of similar ones.
 
For example, “Everydays: the First 5000 Days” by Beeple, is a one-of-a-kind collage of 5000 individual artworks created by the same artist, which was sold for almost $70 million. 
Guide to NFTs
Everydays: the First 5000 Days by Beeple
​Currently, the artwork is the most expensive NFT ever sold and one of the most expensive pieces of work sold by a living artist. The buyer was Vignesh Sundaresan, a Singapore-based programmer and cryptocurrency investor.

Utility

​Some NFTs have usable functions and are relatable to our daily lives, for example, when playing video games. There are rare gaming character skins or spells used within the game, making them valuable to some players. Some NFTs have become a requirement for entering videogames or online communities and environments. 

For example, games and virtual worlds like Decentraland and Sandbox have issued and are offering their NFTs LAND and SAND, which represent virtual real estate in their virtual worlds. The level of utility can be evaluated when determining the value.

Emotional value

​The meaning behind any artwork is probably the main driver for its value, and therefore the price. The same is true for NFTs too. An NFT with meaning is more likely to be associated with a long-lasting non-materialistic value.
 
Many crypto enthusiasts are drawn to early CryptoArt because of their interest in the underlying technology and decentralised principles and belief these assets will go down in history as valuables. For example, EtherRocks, an early crypto project from 2017, are pet rocks on the blockchain. They serve no purpose and are simply images of rocks. Justin Sun, the founder of the TRON blockchain, reportedly bought an EtherRock for $500,000.
Guide to NFTs
EtherRocks that were for sale on etherrock.com

Guide to NFTs

What can NFTs be used for?

There are currently several uses for NFTs; while some are interesting, others are truly game-changing innovations.

1. Collectors

Many of us can relate to the desire to collect rare or valuable items, either as a child or later in life, whether stamps, coins & notes, records, Corgi cars, comic books or baseball, Pokemon or other trading cards.
 
Although all of the above are tangible items with which you can have a physical attachment, more things are becoming digitised, even collectables. Consider that most of us stopped buying movies on DVD and music on CD a long time ago. The need and desire for having physical objects is dying.
 
Topps, the leading producer of American football, baseball, basketball, ice hockey and other themed trading cards, launched ToppsNFTs.com and published its first NFT range in April 2021 for collectors to buy previously sold-out Major League Baseball cards.
 
Given the scarcity nature of some NFTs, collectors see the increasing value of owning an NFT and holding it for an extended period and owning a collection of NFTs that one day can become a rare item sold for a considerable amount of money.

2. Gaming

The idea of collectables and tokens emerged in gaming a long time ago, yet in a much simpler form and rarely sold for millions of dollars. Decades ago, gamers used to buy and sell Nintendo 64 cartridges and Playstation One memory cards with saved game data.
 
Gamers collect tokens, points, or coins as they play to exchange them for loot, skins, special spells, vehicles, and weapons used throughout the game. This has evolved into a real marketplace where players can buy items from the game developers using real money to purchase in-game items. Players can also exchange or sell them to other players for a decided price.
 
NFTs are the latest evolution of in-game collectables; they’re appealing because owners technically own the item outside of the game, and NFTs have implied scarcity, which isn’t certain in video games.
 
Large video game developers, like Electronic Arts and Ubisoft, have gone on the record to say that NFTs and blockchain play-to-earn cryptocurrency games are the future of the gaming industry.
 
Popular blockchain-based games such as Dinosaur Eggs, Axie Infinity, and CryptoKitties are excellent examples of utilising NFTs in video games.

3. Fanbases

​Over the last few years, celebrities and content creators, such as YouTubers, Instagrammers and bloggers, have found new ways to add digital content to their portfolio on various social media platforms, attracting many followers from all ages and categories.
 
Whether it is a video, a skit, a prank, or just a daily vlog channel, content creators are developing their tools to grow their fan base. Creating a rare NFT is probably a good way for celebrities and influencers to monetise their social media presence and grow the interest in their personal brand.
 
Jack Dorsey sold his first-ever tweet; Tony Hawk sold his last-ever ollie, Snoop Dogg sold a collection of limited edition digital memorabilia, as have a series of other celebrities. 

4. Investment

​A growing number of crypto traders and investors consider NFTs as a great investment due to their rising popularity and value. More people are motivated to join the herd to purchase NFTs as their prices are surging, at least for some collections.
 
According to Reuters, in the first half of 2021, NFT sales volumes were US$2.5 billion; in the third quarter alone, NFT sales reached US$10.7 billion. In contrast, US$31.1 million of NFTs were sold in 2020 and just US$3.3 million in 2019, according to data from CryptoSlam.
 
It’s unclear how long this trend will last and whether it is sustainable or just a bubble ready to burst. Still, we know that the NFTs market is growing at astronomical rates, and it has the attention of large organisations like Meta, Microsoft, the World Economic Forum and others.

5. Collateral

Some crypto visionaries have suggested that NFTs can be used to indicate a borrower’s creditworthiness and used as collateral to secure loans from a decentralised finance company. Because NFTs are secured to a blockchain, unlike a painting nailed to a wall, NFTs can be seen as immovable property. Some NFTs are worth millions of dollars; if the borrower fails to pay back the loans, the loan issuer can take over that NFT to cover the debt.
 
Several companies are already offering loans secured against NFTs for owners to utilise capital locked up in their illiquid NFTs. One example is a blockchain-based crowdfunding platform called NFTfi, which is a decentralised application (DApp). The company issued its first NFT-backed loan in May 2020 and has since funded over 2,100 loans, totalling over US$26.5 million.
 
The NFTfi platform recently issued the largest NFT-collateralised loan so far, worth US$1.4 million.

Guide to NFTs

Where are NFTs stored?

Since NFTs are decentralised digital files powered by blockchain technology, they are stored similarly to cryptocurrencies.
 
The blockchain stores all the information about the NFT. Such as the person who created it, and in case it is sold, the new owner is recorded in the transaction chain. The blockchain registers the successors of the NFT if it’s sold again and keeps records of all previous owners to authenticate the ownership chain back to the creator.
 
Unlike cryptocurrencies, which are denominated in fungible units, NFTs are non-fungible. Therefore, the characteristics of the NFT need to be described in some way. Smart contracts are used to describe NFT characteristics. NFTs that are images, graphics, audio, or video are uploaded to a decentralised file sharing platform called IPFS (InterPlanetary File System) designed to preserve the integrity of files uploaded.
 
The NFT can be stored in multiple formats: gif, jpg, png, svg, wav, ogg, glb, glt, webm, mp3 and mp4.
 
Although the Ethereum network is the most prominent blockchain in the NFT space, primarily because of its early capabilities, other blockchains have emerged to support the NFT ecosystem, such as Solana, WAX and Ronin.

Guide to NFTs

NFT compatible crypto wallets

NFTs are digital assets stored on blockchains, just like Bitcoin, Ethereum and other cryptocurrencies. To access your NFTs, you’ll need to use a compatible crypto wallet that supports the right blockchain and standard.
 
Most NFTs are created on the Ethereum blockchain, but other popular blockchains supporting NFTs are Solana, WAX, Binance Smart Chain, Polygon, Ronin, TRON, etc.

  • Metamask is generally accepted as the best Ethereum-based NFT wallet in the crypto community. Metamask connects with hardware wallets like Ledger and Trezor, allowing you to secure your private keys and keep your tokens secure.
  • Coinbase is not just a crypto exchange (currently unavailable in New Zealand); it’s also an easy-to-use crypto wallet that supports hundreds of coins, tokens, and Ethereum NFTs. Coinbase Wallet supports ERC20 Ethereum tokens, but not ERC721, which is the standard most recent NFTs are built using.
  • Enjin is a blockchain wallet that supports cryptocurrencies and Ethereum-based NFTs. The wallet has a native token called ENJ, used to buy and sell NFTs in the apps marketplace. Besides being a crypto and NFT wallet, Enjin is a platform for creating (or minting) NFTs

Guide to NFTs

How are NFTs created?

​NFTs are created via a process called minting, similar to other tokens created on existing blockchains. Tokens, whether they’re NFTs or another type, are written in smart contracts, which defines the characteristics of the NFT. How they are created depends on the underlying blockchain.
 
In the Ethereum blockchain, smart contracts are written in a language called Solidity. Most NFTs are created using either ERC-271 or ERC-1155. Smart contracts define everything about the token, such as whether it’s tradable, how many should exist and whether the creator should earn royalties from every resale of the artwork. NFTs also include various metadata, such as the name, description, image, traits and other attributes.
 
Creating an NFT is somewhat technical and requires some development knowledge, but numerous open-source development kits and libraries are available. However, thanks to several NFT creation platforms that let you create your token in under ten minutes, you don’t need to write any code or interface with the blockchain to launch your NFTs.
 
NiftyKit is a publishing platform for NFT creators and requires no coding experience whatsoever. With a US$9.99 monthly subscription, creators can mint their tokens on the Polygon network and buy add-ons to publish on the Ethereum network.
 
However you choose to create your NFT, you’ll need to have an Ethereum wallet and own enough ETH to cover the gas fees paid to Ethereum miners for minting the token. Once your NFT is created, you can list it on any of the NFT marketplaces if you didn’t already create it using one of the marketplaces.

Guide to NFTs

How to trade NFTs?

There are several marketplaces for buying and selling NFTs. One of the most popular NFT marketplaces is OpenSea, which at its peak on the 4th of October 2021, processed over 112,000 transactions worth more than US$138 million for 38,800 active users in a single day, according to DappRadar data.
 
NFT markets are great for creators, buyers and resellers. Once creators issue their NFT, they can access a larger buying audience on larger platforms, but naturally, they face increased competition.
 
In the marketplace, buyers bid on various listings similar to an auction. Each bidder essentially appraises each NFT listing with their bid, ultimately determining the price of an NFT. The highest bid becomes the new owner of that NFT, paying the money to the current owner.
 
The proof of ownership of the NFT is recorded on the underlying blockchain, mentioning the new owner of the NFT, the previous owner(s), and the creator, which helps combat fraud and forgery. The previous owner and new owners actual names are not disclosed; their wallet addresses are published.
 
Some NFTs might have a royalty term in the smart contract, which entitles the creator to receive a commission from further sales. If the new owner sells the NFT to another collector, the creator receives a percentage of the resale value.
 
Popular Ethereum NFT marketplaces include OpenSea, Mintable and Rarible. All of these marketplaces provide features to mint, sell and buy NFTs. Unlike crypto exchanges, NFT markets don’t provide wallets, so users need to connect their own wallets.
 
Besides the dozens of high volume Ethereum NFT marketplaces, others specialise in selling tokens based on other blockchains. For example, SolSea supports Solana-based tokens, and AtomicHub supports WAX.

Guide to NFTs

NFT Frequently Asked Questions

What can be created as an NFT?

You can turn anything into an NFT, and it doesn’t just need to be artwork, although that’s the most common use case. The most successful NFT creators have the imagination to create digital artwork that has become cult-like hits in the crypto community. Artists usually find concepts that are trendy that people can buy as a form of online self-representation.

What can I use NFTs for?

For the overwhelming majority of people, NFTs are a collectable related to one of their interests, but there are a growing number of NFT speculators and investors. Investors seek hyped up NFT projects and buy early, expecting the price to appreciate in the months and years that follow. Some traders buy newly issued NFTs directly from creators as soon as they drop and resell them on the secondary markets; this is known as scalping. Other NFTs might have a utility, such as offering admission to a site or platform.

Where can I sell my NFT?

Creators can sell their tokens on their website if they have the necessary tools and a fanbase. On the other hand, some marketplaces list numerous NFTs from different creators and resellers, and thousands of traders gather to bid on NFTs in an auction-like manner.

What blockchains are used to create NFTs?

There are dozens of blockchains supporting NFTs. While the most popular example is the Ethereum network, other blockchains used for mining tokens are Solana, EOS, TRON, WAX, BSC, Ronin, etc.

Do fake NFTs exist?

While it’s impossible to fake an NFT because every transaction is recorded on a blockchain, it is possible to deceive people into believing something is worth more than it should. For example, copycats can mimic highly successful NFT collections and hope that less experienced NFT buyers will fall for the trap. There have been other cases where famous artists have been impersonated, and inauthentic NFT collections have been released in their name, despite not being affiliated with the token creation.

Do NFT buyers own the copyrights?

When you buy an NFT, you don’t necessarily own the copyright to the underlying artwork or intellectual property. If the copyright is transferred with the token, it needs to be explicitly mentioned in the token’s smart contract. Under copyright law in New Zealand and most jurisdictions, the copyright is given to the creator by default. Unless they explicitly relinquish ​their copyright, they continue to own the rights. 

Related guides (external):
  • Popular NFT collections (CryptoPunks, Bored Ape Yacht Club)
  • NFTs in the Metaverse​

MoneyHub guides:
  • Decentralised Finance.
  • Coinbase Review
  • Binance Review
  • Blockchain Introduction
  • Crypto Wallets
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Students Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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        • Qantas Credit Cards
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        • RewardPay Review
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • Lifetime Home Review
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      • Buying a Home with Family and Friends
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      • 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
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      • Mortgage Break Fees
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      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • Trusted Auckland Mortgage Brokers
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      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
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      • 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
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      • Leasehold Property Guide
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      • Buying an Apartment in New Zealand
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    • Selling a Home
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      • Real Estate Agent Fees
      • Bridging Finance
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    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
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      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
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      • KiwiSaver Must-Know Facts
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      • What's My PIR?
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      • KiwiSaver First Home Grant Guide
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      • MAS KiwiSaver Scheme
        • MAS Review
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      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
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    • Business Calculators & Resources
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    • For Startups
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  • MSD
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  • Motoring
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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  • Law
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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      • Air New Zealand Skycouch Review
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      • Auckland Airport Car Parking
    • Best of New Zealand
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      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
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    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • One NZ Broadband Review
      • Orcon Broadband Review
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      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
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    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Financial Coaches
      • Budgeting Apps
      • Free Financial Literacy Classes
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
        • Nielsen Online (Computer & Mobile Panel) Review
        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
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      • Free Money from the Government
      • Hosting International Students
      • How to Sell on Fiverr
      • Trade Me Selling Tips
    • Kids Eat Free
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    • Meal Kits & Supermarkets
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
        • Countdown Christmas Club Vouchers
        • New World Christmas Club Review
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    • Entertainment
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        • Best Netflix Movies
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      • Amazon Prime Video Review
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      • Disney+ Review
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