MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden 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
        • 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 Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • 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
      • 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
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding 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
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • 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
        • 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
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • 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
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured 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
      • 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
    • Car Insurance
      • Guides
        • 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
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • 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
      • 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
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas 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
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • 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
      • 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
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews
      • Wise International 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
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • 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 in Christchurch
    • 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
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • 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
      • 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
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM 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
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • 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
    • Business Calculators
      • 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
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • 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 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • 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
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • 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
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • 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
    • 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
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • 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
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • 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
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • 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
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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How to Trade or Invest in the NZX

Our NZX guide explains everything you need to know about the NZX, including ways to invest, trade and useful resources to help you decide what to buy

NZX guide
Updated 29 March 2023

​The New Zealand Stock Exchange (NZX) is the largest sharemarket by market capitalisation in New Zealand. In this guide we look at how you can invest or trade in the NZX using shares, funds and ETFs. We also explain what moves the NZX50 and highlight recent company bankruptcies to help you avoid investing in a failing company.

In this guide we explain:
  • Trading vs Investing
  • How to Trade on the NZX
  • How to Invest on the NZX
  • What Moves the NZX Index?
  • How to Invest or Trade on the NZX
  • Five Failed NZX Companies (and what you can learn from them to avoid making the same mistakes)

Your guide to the NZX is sponsored by our friends at Stake, a leading online share trading platform.
  • Our guide explains what you need to know if you want to learn more about the NZX. Many New Zealanders invest beyond the NZX, given its comparatively limited range of companies, and our guide explains all your options so you can make an informed choice. 
  • Stake offers an easy-to-use interface, with 6,000+ stocks, ETFs & OTC stocks in the 12 US markets, and new investors get a free stock when they sign up.
  • Stake offers benefits for both long-term investors with detailed stock analysis and easy-to-use functionality, while day trading is also permitted. 
  • Helpfully, Stake lets you search for investment options by Sector, Values (Green, Virtue or Vices), Strategy (SmallCap to MegaCap, etc.), Industry and Region, and by trading data such as most up/down and most watched.
  • Trusted by thousands of Kiwis, Stake offers easily accessible US markets investing at a low cost.
Stake NZ
Visit Stake

NZX guide

Trading vs Investing

​Know this first: Trading vs Investing are very different things. Both involve buying and selling shares, but the strategies are different:

Understanding investing
  • When you invest, you are taking a long-term position. For example, if you bought 10,000 shares in A2 in 2010, you would have paid around $1,000 (as the shares were 10 cents each). If you sold these shares in 2020, you would have earned around $200,000 (as the shares traded as high as $20). Investing is all about medium to long-term strategy.
  • You don’t have to buy individual shares to invest  – the NZX has plenty of Exchange Traded Funds (EFTs), known as Smartshares, which invest in other NZX companies just as an index fund does. 

Understand trading
  • When you trade, the timeframe is much shorter. For example, you may buy 100 A2 Milk shares today for $20.00 and sell them tomorrow for $21.00, making a $100 profit. Or, you could buy and sell shares in the same day.
Table 1 - Trading vs Investing on the NZX
Trading or Investing?
​Trading on the NZX
Investing on the NZX
Ways to trade or invest:
Buying shares
Buying ETFs or shares
Market hours:
10:00am - 4:45pm, Monday to Friday
10:00am - 4:45pm, Monday to Friday
​Money required:
100% of trade size
100% of investment value
Trading fees (to buy and sell a share): 
Varies based on trade value
Varies based on investment value
Time frame:
 Shorter term
 Longer term
​Liquidity:
​Depends on the share traded
Depends on the share investment

NZX guide

​Trading on the NZX

The NZX isn’t like an established world market, such as the Dow Jones or FTSE. Because of the small size of the NZX there is less liquidity and this means there are less options to trade. Also although legal in New Zealand, there is no shorting companies (i.e. borrowing shares from institutions for a fee then selling them on the NZX and betting that the share price will be lower in the future when they are bought back). Nor are there financial derivatives such as spread bets and credit default swaps. The NZX is, by comparison, much more straightforward.

Let's take an example. If you want to trade in Westpac, you buy and sell shares in Westpac. There are no Westpac short selling, CFDs or spread betting. Any trading is done between 10:00am - 4:45pm Monday to Friday. You’ll need to pay for your trade upfront – for example, if you want to buy $2,000 of shares in A2 Milk, you will need to pay first. Some brokerage firms, such as ASB Securities offer margin lending which lets you borrow money to buy shares – this can be risky if the value of the shares fall. 

NZX guide

​Investing in the NZX

If you want to invest on the NZX you can do so by:
  1. Buying any share listed on the NZX (for example, Air New Zealand, The Warehouse Group or A2 Milk)
  2. Invest in an ETF which tracks the NZX (for example, an NZX50 ETF which follows the value of the NZX50 - the top 50 New Zealand companies by market capitalisation)
  3. Buy into a managed fund which invests in the NZX (such as a NZX50-specific investment fund) and/or invest in a NZX-focused KiwiSaver fund 
  4. You can also invest in NZX Ltd, the company which operates the New Zealand share market, as it’s also a listed a company. Such an investment does not give you exposure to companies like an ETF or managed fund would.

Whatever you invest in, the aim is to hold your shares until they rise in value to a level you determine is profitable. If you invest into shares or ETFs which are income-producing, you’ll receive dividends from time to time as the company returns profits to its owners. To invest in shares, you’ll need to pay upfront for the value of the purchase.

​Ways to invest on the NZX - Our Step-by-Step guide

With the NZX being free of derivatives and anything related to exotic trading, NZX ‘trading’ is limited to buying and selling shares in individual companies. For that reason, most individuals, financial institutions and actively managed KiwiSaver funds use the NZX to invest. There are four ways to do this:
NZX guide

Investing in Shares

Investing in shares listed on the NZX is the most common way to get exposure to the NZX. This requires you to decide what to invest in, and once you’ve purchased the shares, you receive an equity stake (i.e. ownership) in the company and have exposure to the index. When you invest in shares directly, you’ll effectively receive an ownership stake in the company – how much you own depends on how much you invest. NZX50 shares are the most popular on the NZX because they include the largest and most recognised companies.​

How to invest in shares?
Sharesies, for example, is one of the most popular platforms for investing on the NZX. ASB Securities and Direct Broking also offer online trading. 
NZX guide

​ETFs

When you invest in an NZX ETF, you’re effectively purchasing a financial product that tracks the performance of a specific NZX index. ETFs come in all forms, and are comprised of individual shares that are listed on the NZX – they aim to track the price performance of the index. For example, Smartshares offers three NZX-tracking ETFs:
  1. The NZ TOP 50 (FNZ) - Annual fund fee: 0.50%. This fund invests in the 50 largest companies on the New Zealand sharemarket (for example, Spark, Auckland Airport and Fletcher Building).
  2. The NZ TOP 10 (TNZ) - Annual fund fee: 0.60%. This fund invests in the 10 largest listed New Zealand companies (for example, F&P Healthcare and A2 Milk)
  3. The NZ MID CAP (MDZ) - Annual fund fee: 0.60%. This fund invests in mid-sized New Zealand companies such as Infratil, Mercury​ and Chorus.  

How to invest in an ETF?
All NZX ETFs can be bought directly on the NZX using a brokerage platform (such as Sharesies, ASB Securities and Jarden Direct), using an investment platform (such as InvestNow and Flint Wealth), or by going directly to a sharebroker such as Forsyth Barr and Craigs Investment Partners.
NZX guide

Managed ​Funds

Many different investment companies offer NZX-specific funds. Like ETFs, NZX funds invest in a specific number of shares that are listed on the NZX. Unlike when you buy NZX shares using a broker service, funds can be purchased directly with the investment manager or using an investing platform like InvestNow or Kernel Wealth. Simplicity Investment Funds offer the cheapest NZX50 index fund available with a 0.10% annual fee.

How to invest in a managed fund?
NZX-focused managed funds are available from investing platforms and funds such as InvestNow, Kernel Wealth or Simplicity Investment Fund.
NZX guide

KiwiSaver

Most KiwiSaver funds invest in the NZX, but the proportions vary between funds and schemes. For example, some funds invest 50% of your money in the NZX50 while others will invest 20%. However, we don't believe choosing your KiwiSaver fund around the underlying assets is a good idea. Instead, assessing your risk profile, retirement needs and short-term and long-term plans is a better idea. ​

How to invest in KiwiSaver?
We suggest reading our favourite KiwiSaver funds to get further information. 

Your guide to the NZX is sponsored by our friends at Stake, a leading online share trading platform.
  • Our guide explains what you need to know if you want to learn more about the NZX. Many New Zealanders invest beyond the NZX, given its comparatively limited range of companies, and our guide explains all your options so you can make an informed choice. 
  • Stake offers an easy-to-use interface, with 6,000+ stocks, ETFs & OTC stocks in the 12 US markets, and new investors get a free stock when they sign up.
  • Stake offers benefits for both long-term investors with detailed stock analysis and easy-to-use functionality, while day trading is also permitted. 
  • Helpfully, Stake lets you search for investment options by Sector, Values (Green, Virtue or Vices), Strategy (SmallCap to MegaCap, etc.), Industry and Region, and by trading data such as most up/down and most watched.
  • Trusted by thousands of Kiwis, Stake offers easily accessible US markets investing at a low cost.
Stake NZ
Visit Stake

NZX guide

​What moves the NZX index's value?

Day after day, the NZX50 moves up and down, driven by changes in each company’s share price. The value of individual companies’ shares will have an effect on the value of the NZX50 because it is a price-weighted index. Shares that increase in value will increase the value of the NZX50 proportionately to their value in the market. For example, a 2% rise in the value of A2 Milk (a large NZX50 company) will have a greater effect on the NZX50 than a 2% rise in Argosy Property Ltd (a smaller NZX50 company). 

​There are a number of factors which move each company’s share price, including:

Economic events
Economic events such as the COVID-19 fallout have a direct effect on the profitability of each company. Some will be winners, for example Fisher & Paykel Healthcare (which makes ventilators) and A2 Milk (which produces food products). Some will be losers, like Air New Zealand and Tourism Holdings, which rely on foreign visitors.

Press releases
Investor announcements from companies will move share prices, such as NZME (owner of the NZHerald and radio stations) laying off hundreds of staff, or The Warehouse Group closing stores. If it’s good news, share prices generally go up, and vice versa.

Earnings results
Every six months, every company listed on the NZX has to publish financial results. If profits are down and/or the future looks bleak for the company, then the share price will usually fall. It’s all about expectations – generally, companies that are doing well and continue to sustainably grow will be favoured (and see increasing share prices). Those that underperform and don’t deliver on what they promise will have decreasing share prices.

Interest rates
If the Reserve Bank of New Zealand lowers interest rates, this is generally good for business who can borrow money at a cheaper rate. This means businesses can invest more in their future and grow, which usually means higher profits. For these reasons, lower interest rates leads to higher share prices.

NZX guide

Next Steps: How to trade and invest in the NZX?

There are many ways to access the NZX, and with platforms like Sharesies, Flint Wealth, InvestNow and Simplicity, it has never been cheaper. MoneyHub doesn’t offer financial advice in any form, so the best resources to learn about individual companies listed on the NZX include:
  • BusinessDesk.co.nz (free to subscribe to emails with a detailed daily distribution of the day’s top business stories)
  • NBR.co.nz (a paid site, with insightful reporting on NZ companies)
  • Interest.co.nz (more focused on property, this free-to-read publication is useful for background)
  • Sharechat.co.nz (a forum discussing companies listed on the NZX).

NZX guide

Five Failed NZX Companies (and what you can learn from them to avoid making the same mistakes)

New Zealand has had its fair share of failed shares that were once regarded as innovative, must-invest companies. We outline five recent disasters and summarise why they failed. Generally, it’s wise to never believe what a company is promising until they have a proven track record. But as is shown below, companies fail for many different reasons. Also, many don’t fail but see their share price fall from $1 or $2 to 10 cents, and stay that way forever. Investing isn’t without its risks, and for that reason never invest more than you can afford to lose.​​
MoneyHub

​Pumpkin Patch

The popular children’s clothing retailer went bust in 2016; it borrowed too much money to fund a huge overseas store expansion even though it was profitable (but instead of retaining cash it  paid out most of its profits by way of dividends to the owners). When the overseas expansion didn’t go to plan, the company was too broke to manage itself out of the problem. 
MoneyHub

Feltex

Feltex collapsed less than two years after listing on the NZX after decreasing profitability and hard-to-understand financial statements sucked in mum and dad-type investors into this under capitalised company. In effect, the company had too much debt, became loss making and run out of money.
MoneyHub

Wynyard Group

This software consultancy talked a big game but failed to deliver revenue growth and continually made big losses until it ran out of money when it couldn’t raise any more. Generally, if a loss-making company can't borrow any more money or get anyone to invest, it is either bought for a very low price or goes bust.
MoneyHub

Snakk Media

The small advertising company was hyped up as something it wasn’t (useful, profitable, relevant), and after the investor money ran out to cover losses it closed its doors in 2019.
MoneyHub

CBL Insurance

CBL was an insurer listed on the NZX. It was worth $747 million at one stage, but It failed. The high-profile insurer was applauded in the media but quickly came unstuck when overseas insurance payments ended in allegations of fraud. 

Your guide to the NZX is sponsored by our friends at Stake, a leading online share trading platform.
  • Our guide explains what you need to know if you want to learn more about the NZX. Many New Zealanders invest beyond the NZX, given its comparatively limited range of companies, and our guide explains all your options so you can make an informed choice. 
  • Stake offers an easy-to-use interface, with 6,000+ stocks, ETFs & OTC stocks in the 12 US markets, and new investors get a free stock when they sign up.
  • Stake offers benefits for both long-term investors with detailed stock analysis and easy-to-use functionality, while day trading is also permitted. 
  • Helpfully, Stake lets you search for investment options by Sector, Values (Green, Virtue or Vices), Strategy (SmallCap to MegaCap, etc.), Industry and Region, and by trading data such as most up/down and most watched.
  • Trusted by thousands of Kiwis, Stake offers easily accessible US markets investing at a low cost.
Stake NZ
Visit Stake

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