MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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Passive Investing vs Active Investing - The Definitive New Zealand Guide

Our New Zealand-specific guide outlines the difference between passive and active investing, market-leading and low-fee passive and active investments as well as, answering frequently asked questions.
Passive Investing vs Active Investing NZ
Updated 15 July 2024
New Zealand investors have begun to question whether “passive” or “active” is the best approach for their needs in recent years. Up until the launch of Simplicity, most KiwiSaver schemes were actively managed. However, the rise in passive players has led to various investing publications becoming part of an "active versus passive" investing debate such as this Stuff article and this Financial Markets Authority release.

What's the difference, and why does it matter?
  • Active investments are funds run by investment managers who try to outperform an index over time, such as the S&P 500 or the NZX50. To do this, fund managers actively buy and sell shares, which increases the costs of running such a fund. Fool.com's trusted summary of the subject is a useful guide to help you understand further. Examples of active managers include Milford Asset Management, Booster and Pie Funds.
  • Passive investments, on the other hand, invests to match a specific index, for instance the S&P/NZX 20, rather than picking shares based on the fund manager’s choice. An index fund can outperform an active fund in the short term and the long-term. Examples include Simplicity, Kernel Wealth and Smartshares. Our guide to index funds has more details.
  • Active investing also means buying shares using a DIY platform such as Sharesies, Hatch or Stake. Such activity is not covered in our guide as we focus on managed funds - our guide to investing in shares is a good place to start.
  • While passive and active investing strategies both have unique advantages and disadvantages, the low fees charged by passive investment products has seen a growth in index and ETF products in recent years.
  • On the other hand, actively managed funds tend to underperform their passive peers after fees have been taken into account.
  • Globally, more and more money is going into passively managed funds.

To help make sense of the matter and give you insights and awareness of must-know facts about how to invest, our guide covers:
  • What’s the Difference Between Passive and Active Investing?
  • What is Best – Passive or Active Investments?
  • Popular Active and Passive KiwiSaver and Managed Funds
  • Frequently Asked Questions

MoneyHub Founder Christopher Walsh shares his comments on active vs passive investing

"There is ongoing confusion around investing approaches in actively managed and index (passive) funds. However, it's not complicated - you can be a responsible investor by choosing both active and passive funds. What's more, it's arguably more strategic as you diversify risk in both the short-term and long-term".

"If you invest in many index funds, you are exposed to local and global markets. However, this runs the risk of missing out on opportunities that an actively managed fund manager may spot and invest in. For example, a fund manager may invest in the next Mainfreight, Apple or Xero at $1 and see your holding go up 100X. Passive funds generally don't seem to focus on small-cap companies, so there isn't usually an opportunity to benefit from such upside. This is why diversification can be worthwhile".

"However you decide to invest, I do suggest reading this guide carefully and considering your options closely. It has never been cheaper or more transparent to invest in an active or passive fund".
Christopher Walsh MoneyHub

Disclaimer: This list does not constitute financial advice, and the funds listed below are included based on their short-term performance, fees, structure and, where possible, their longer-term performance. Our guide is journalistic in nature, and we stand by our shortlist with the purpose of sharing ideas to help readers with their research. There is no "best active fund", "best passive fund" or "best (overall) fund" - this is simply an exercise to raise awareness on the different benefits of active and passive investments.

Advertising Disclosure: We include the funds below based on merit, although we may have commercial arrangements with specific innovative and market-leading investment managers for general promotion. Our Advertising Policy has more details. We rely on Morningstar data for all fund returns information.

Kernel Logo NZ
Visit Kernel
Your investor guide to passive vs active investing is sponsored by our friends at Kernel Wealth a leading New Zealand-based index fund manager and investment platform.
  • Kernel is a strong-performing index fund specialist - our review explains more.
  • Kernel is 100% Kiwi owned and are committed to no-nonsense index funds with low, transparent fees.
  • Trusted by thousands of Kiwis, Kernel offers easily accessible index fund investing, high interest savings accounts and KiwiSaver.
  • Kernel is suitable for investors with a short, medium or long-term investment timeframe.

Passive Investing vs Active Investing NZ

What’s the Difference Between Passive and Active Investing?

Know this first: Fool.com, an investing authority, highlights some critical must-know facts:
  1. Firstly, an actively managed fund must outperform its benchmark index by at least enough to justify the fund's above-market fee.
  2. In the U.S., returning above-market returns continues to be a big challenge.
  3. Specifically, 71% of large-cap U.S. actively managed funds underperformed their S&P 500 benchmark in 2019. And, in the five years to 2019, 81% of large-cap, active U.S. funds underperformed their benchmarks.

What does this mean for my investment decisions?
  1. In summary, the choice is yours - both passive funds and active funds have unique pros and cons. What matters is that you understand what you're investing in and believe it will deliver returns in the long-term.
  2. No research has been undertaken in New Zealand, given the recent arrival of passive investment funds. However, no matter than the markets or fund manager is doing, actively managed funds cost more than passive funds. 
  3. Our table explains the key features, advantages and disadvantages of both passive and active investments below:
Investment Type
Key Features
Advantages
Disadvantages
Passive Funds
Designed to follow the performance of a specific index (i.e. NZX50, S&P 500)

The buy/sell process is automated and streamlined, without employed investment managers

Usually the fees are lower (relative to active investments)
Passive funds don't employ investment managers, so the fees are lower than active funds. These differences add up over time.

Fund fees start from as low as 0.10% p.a. (Simplicity Investment Funds), unrivalled by any actively managed fund.
Passive funds will never outperform a market or sector benchmark - they're designed to replicate (i.e. match) the performance.
Active Funds
Designed to beat the returns of a specific index (also called a benchmark)

Employ skilled investment managers and analysts to decide what shares to buy and sell

Usually have higher expenses (relative to passive investments), which can reduce the overall performance
Good active funds can outperform the market in the short and long term.

You're hiring professional investors to make your money work for you, backed by a team of analysts.

Investors wanting to invest in sector and theme funds (i.e. emerging markets, clean energy, technology, etc.) can prefer active management given the perceived volatility (versus following a lower-risk index fund).
There's no guarantee an actively managed fund will beat an index or benchmark, and many don't.

The fees charged are higher than passively managed funds, lowering the potential returns.

Some fund managers charge performance fees on top of the management fee.

Passive Investing vs Active Investing NZ

What is Best – Passive or Active Investments?

  1. Our view is that you can have both. As part of a standard diversification model, it is arguably prudent to have a mixture of investments that employ both investing strategies.
  2. For example, you may have your KiwiSaver with an actively managed growth fund (with Milford, Fisher and Booster being some of the largest non-bank providers). Adding to this, you may invest with an index fund manager (for example, Simplicity Investment Funds, Kernel Wealth etc.), buy ETFs (such as Smartshares or US-based ETFs using Sharesies, Hatch or Stake, or Tiger Brokers), and/or make regular contributions to ETFs, index and/or active funds via InvestNow.
  3. If you're looking for green-approved funds, most ethical investments are actively managed. This means a “passive only approach” would exclude you from many top-performing ESG funds. Our Ethical KiwiSaver guide has more details, as does our Kernel Review which offers several ethical index funds.
  4. It's arguable (and logical) that a portfolio comprised of selected solid-performing investments, both active and passive, is a reasonable approach. It also means there are no limitations to opportunities and returns as all options are available.

To help raise awareness about top-performing fund managers, both active and passive, we list popular KiwiSaver and non-KiwiSaver options in the section below.

Kernel Logo NZ
Visit Kernel
Your investor guide to passive vs active investing is sponsored by our friends at Kernel Wealth a leading New Zealand-based index fund manager and investment platform.
  • Kernel is a strong-performing index fund specialist - our review explains more.
  • Kernel is 100% Kiwi owned and are committed to no-nonsense index funds with low, transparent fees. 
  • Trusted by thousands of Kiwis, Kernel offers easily accessible index fund investing, high interest savings accounts and KiwiSaver.
  • Kernel is suitable for investors with a short, medium or long-term investment timeframe.

Popular Active and Passive KiwiSaver and Managed Funds

Popular Active and Passive KiwiSaver and Managed Funds

We have focused on growth funds, as this is more relevant for understanding active vs passive investing. Our data is drawn from Morningstar and the investment managers and funds are not a recommendation. This list does not constitute financial advice in any form.

1. Popular Passive Investing KiwiSaver Schemes

While many SuperLife funds continue to top performance tables in 2021, past performance is no guarantee of future performance.

We outline top-performing managers below:
Picture
  • More details: SuperLife KiwiSaver Review
  • Why SuperLife stands out? SuperLife offers the choice of 40+ KiwiSaver funds, sitting in three categories - Managed Funds (6), Sector Funds (11) and ETF Funds (23). The fees are low and the choice is extensive. In the 12 months to 30 June 2021, six out of the top ten top-performing KiwiSaver funds were SuperLife funds per Morningstar data.
  • Website: SuperLife
Picture
  • More details: Simplicity KiwiSaver Review
  • Why Simplicity stands out? Simplicity KiwiSaver offers ​three funds, with annual fees set at 0.31% of total investment, making it one of the cheapest KiwiSaver schemes. It's 100% index-based and focuses on ethical investing.
  • Website: Simplicity

2. Popular Active Investing KiwiSaver Schemes

The schemes below have many things in common - they have solid performance history, have an easy-to-understand growth fund and are not managed by a bank.

We outline top-performing managers below:
Picture
  • More details: Fisher Funds KiwiSaver Review
  • Why Fisher Funds stands out? Fisher Funds is one of the largest non-bank KiwiSaver schemes
  • Website: Fisher Funds KiwiSaver
Picture
  • More details: Booster KiwiSaver Review
  • Why Booster stands out? Booster has two popular KiwiSaver fund types - the SRI funds (as outlined in our Ethical KiwiSaver Funds guide) and its aggressive Geared Growth fund. This specialist fund has a target to invest 99% of its money into growth assets (equities) while also borrowing money at a fixed interest rate to invest in shares. While the management fee is higher than other Booster funds (due to the interest costs paid on additional money sourced), its aim is to outperform market returns, and has consistently been in the top ten performing KiwiSaver funds for 1, 3 and 5-year periods.
  • Website: Booster KiwiSaver
Picture
  • More details: Milford KiwiSaver Review
  • Why Milford stands out? Milford's is one of New Zealand's largest KiwiSaver schemes and has the highest average member balance. Their signature fund, the Active Growth Fund, has consistently reported market-leading returns. Milford is popular among KiwiSaver members of all income levels.
  • Website: Milford KiwiSaver Plan
Picture
  • More details: MAS KiwiSaver Scheme Review
  • Why MAS stands out? The MAS KiwiSaver scheme offers seven actively managed funds, ranging in risk from a cash fund to a global equities fund. Unlike most other KiwiSaver schemes, MAS does not charge an annual membership fee. The MAS KiwiSaver Global Equities fund, as an example, was the 10th-best performing KiwiSaver fund for the five years to 31 October 2021. MAS has over $1 billion in management but is relatively unnoticed in the media. With high average balances and historically well-performing growth funds, we confer that MAS's KiwiSaver scheme is a strong offering.
  • Website: MAS

3. Popular Passive Investing Fund Managers (and ETFs)

Passive managed funds have not been operating in New Zealand for as long as the likes of Milford, Fisher and Pie Funds, which each have 10+ years of fund performance data. However, this will change over time.

We outline top-performing managers below:
Picture
  • More details: Kernel Wealth Review
  • Why Kernel Wealth stands out? Kernel offers 10+ low fee index funds focusing on local and global equities, NZ Commercial property, dividend-producing companies, sustainability and other themes and sectors, giving growth-focused opportunities for investors. Kernel is low fee, charging a $5 monthly membership fee for anyone investing over $25,000, as well as a management fee ranging from 0.25% - 0.45% p.a. depending on the fund. Kernel is a fund manager that continues to expand its offering by adding more funds. 
  • Website: Kernel Wealth
Picture
  • More details: Simplicity Investment Funds Review
  • Why Simplicity stands out? Simplicity Investment Funds is heavy on Vanguard investments (this fund is one of many) that invest ethically around the world. Like Kernel (above), Simplicity is low-fee focused with two growth funds - the Simplicity NZ Share Fund and the Simplicity Growth Investment Fund.
  • Website: Simplicity Investment Funds
Picture
  • More details: SmartShares Review
  • Why Smartshares? Smartshares mirrors SuperLife's funds but operates outside of KiwiSaver. Smartshares are 35+ exchange traded funds (ETFs) investing in sectors and themes, including New Zealand companies, global companies, emerging markets, mining, property and bonds and government debt. There are several growth-focused funds - you can see their latest performance here.
  • Website: Smartshares

4. Popular Active Investing Fund Managers

Our list below is drawn from our Managed Funds guide and/or 5- year Morningstar data. As a point of reference, for the five years to 31 October 2021, 15 out of the 20 top-performing managed funds in New Zealand were managed by Fisher, Milford, Pie Funds or Harbour. You can see the latest results here.

As outlined above, please keep in mind, locally-managed passive funds are relatively newly available to investors in New Zealand. In time, when the funds from managers like Kernel and Simplicity have longer performance data, we will be able to make better comparisons between active and passive managed fund performance.

We outline top-performing managers below:
Picture
  • Why Fisher Funds stands out? Fisher Funds launched the NZ Growth Fund in 1998 has grown to become a major fund manager. This fund is consistently at the top of the tables for performance, as are many other Fisher Funds options. Fisher offers comprehensive monthly reporting - an example is Highlights and Lowlights - all of which helps to explain a fund's performance, major holdings and movements in a very easy-to-follow format.
  • Website: Fisher Funds
Picture
  • Why Pie Funds stands out? While some of Pie's top-performing funds have closed to new members, many growth funds taking in new investor money. Pie has a track record of top-of-the-tables results and has a minimum $25,000 investment (with some funds available on InvestNow).
  • Website: Pie Funds
Picture
  • Why Milford stands out? Milford is arguably one of the most trusted fund managers in New Zealand and has close to twenty billion dollars under management on behalf of its long-term investors (excluding KiwiSaver). Milford's most invested-in fund, the Active Growth, is one of many top-ranked funds.
  • Website: Milford
Picture
  • Why Pathfinder stands out? Pathfinder is arguably New Zealand's most ethical investor and carefully applies the strictest tests when selecting investments, excluding any company it considers 'unethical' or a poor investment opportunity. Pathfinder's intention is to invest in companies that are undervalued, have growth potential and do not harm society. If ethical investing is something you're interested in, our ethical investing funds guide explains more.
  • Website: Pathfinder
Picture
  • Why Harbour Asset Management stands out? Harbour is a research-focused boutique investment company part-owned by Jarden with ten growth funds on offer. Harbour's Australasian Equity Focus Fund and The T. Rowe Price Global Growth Fund are two examples of historically top performing funds. While the minimum investment is $100,000, anyone can invest in Harbour's funds using InvestNow (minimum $250 investment).
  • Website: Harbour Asset Management

Passive Investing vs Active Investing NZ

Frequently Asked Questions

Do active funds outperform passive funds, or is passive investing better than active investing?

Fool.com sums this up best - research shows that relatively few active funds can outperform the market. Even if an active manager performs as well as the market, they need to exceed the market returns to pay the higher fees charged as part of active management.

In 2020 and 2021, we saw many index funds and ETFs outperform actively managed KiwiSaver and investment funds. Still, we argue that solidly performing and robust active and passive funds are equally valuable in any investment portfolio and can coexist comfortably. This means, for example, an investor may have a selection of NZ and US-listed ETFs as well as an actively managed growth-based KiwiSaver fund. 

What are the pros and cons of active and passive investing?

This is outlined in the table above.

Is active investing riskier?

Yes, in most cases, owing to the fact active investments cost more to operate and therefore need to make higher returns to be profitable. Thus, the risk of them underperforming is higher than passive investing, given the added costs.

Secondly, active investments aren't as diversified as passive investments because the investing team would be spread too thin (i.e. managing hundreds of different shares).

Lastly, active investing requires you to trust the manager. But the manager (and/or a critical team member) may change jobs, retire or make bad decisions. This isn't an issue with passive investment products but creates added risk for anyone investing in actively managed products.

Are ETFs passively managed?

In most cases, yes. But not always - there is a selection of US-listed ETFs that have active management. However, in the case of Smartshares, which offers New Zealand Dollar-denominated ETFs, all the ETFs offered are passively managed. Our ETFs guide has more details.

Kernel Logo NZ
Visit Kernel
Your investor guide to passive vs active investing is sponsored by our friends at Kernel Wealth a leading New Zealand-based index fund manager and investment platform.
  • Kernel is a strong-performing index fund specialist - our review explains more.
  • Kernel is 100% Kiwi owned and are committed to no-nonsense index funds with low, transparent fees. 
  • Trusted by thousands of Kiwis, Kernel offers easily accessible index fund investing, high interest savings accounts and KiwiSaver.
  • Kernel is suitable for investors with a short, medium or long-term investment timeframe.

Related Guides
  • Index Funds
  • ​Favourite KiwiSaver Funds
  • Favourite Managed Funds
  • Active or Passive Investing (External Guide by Kernel Wealth)
  • Ethical Investing and ESG Funds
  • How to Read a Morningstar KiwiSaver Report
  • ​​Compound Interest Explained

Reviews:
  • Simplicity KiwiSaver
  • Booster KiwiSaver
  • Milford KiwiSaver
  • Pathfinder KiwiSaver
  • SuperLife KiwiSaver
  • InvestNow KiwiSaver
  • Smartshares
  • Kernel Wealth
  • Simplicity Investment Funds
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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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  • Law
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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  • Mobile & SIM
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  • Power
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    • Power Companies
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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    • Challenging Economic Conditions
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      • Graduating Without a Job
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  • Financial Independence
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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