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

Craigs QuayStreet KiwiSaver review
​Updated 20 August 2019

Summary of QuayStreet​ KiwiSaver
  • Funds: QuayStreet offers KiwiSaver members the choice of ten funds, with around $180 million in funds under management. The funds range from low-risk fixed-interest options, to funds specialising in New Zealand, Australian and international shares.
  • QuayStreet also offers speciality funds such as the Socially Responsible Investment Fund, an Income Fund, designed to generate a regular income, and the Altum Fund, for those seeking a higher returns.
  • A leading feature is that you don't need to pick just one fund - QuayStreet allows you to decide your own allocation, meaning you can invest in one or all of the ten funds offered.
  • 100% Active Management: All of the funds are actively managed by a fund manager, employed by QuayStreet. This means that allocations and investments in the funds are actively monitored and adjusted according to market conditions and to manage the level of risk. The costs associated with an active fund means that fund fees will be higher, relative to index-tracking schemes (like Simplicity and SuperLife).
  • Performance: The latest fund performance from our KiwiSaver comparison tool shows how the funds have performed, with the New Zealand Equity Fund and International Equity Fund being two of the strongest. 
  • Fees: There is an annual annual administration fee of $30 plus scheme expenses at approximately $15 per member per year, which is standard for most KiwiSaver schemes. The second fee is an annual fund charge, which ranges between 0.75% to 2.18%, with growth-focused funds tending to charge the most. The QuayStreet Altum Fund also charges a performance fee.
  • Ownership: The scheme is managed by QuayStreet Asset Management, which is owned by Craigs Investment Partners Limited ('Craigs'). Craigs is an investment advisory business with $18 billion in funds under management and 18 offices all over New Zealand.
Read this First: Fees, Performance and Understanding What's Best For Your Situation
  • A lot of media attention focuses on KiwiSaver fees, but this is only one thing to consider when picking the most suitable provider and fund for your retirement needs.
  • We believe that being comfortable with what you're investing in is the most important aspect of saving for your retirement, not the fee you'll pay.
  • While we don't focus on the latest returns, we encourage readers to make their own comparisons using our KiwiSaver fund comparison tool.
  • Ultimately, deciding upon whether QuayStreet is right for you will most likely come down to your interpretation of the fund performances in the medium term, their investment strategy and their fees.
​
Our Review
In this guide, we outline what the QuayStreet KiwiSaver scheme is, what funds it offers to KiwiSaver members, and how they're different to other funds, as well as looking at alternatives and the level of fees involved.
 
Please note: MoneyHub is not a Financial Adviser, and this guide has been published to explain the investment fundamentals and outline the pros and cons of QuayStreet as a KiwiSaver investment option.
​
This Guide covers:
  • The Specs of QuayStreet KiwiSaver Funds, Fees and Where Your Money Is Invested
  • ​Who is QuayStreet KiwiSaver Suited to?
  • 8 Things To Know About QuayStreet KiwiSaver
  • Conclusion​

Craigs QuayStreet KiwiSaver review

The Specs of the QuayStreet KiwiSaver Funds - fees, risks and explaining where your money is invested

  • The scheme is managed by QuayStreet Asset Management, which is owned by Craigs Investment Partners
    Limited.
  • As a background, Craigs Investment Partners is one of New Zealand's largest investment advisory firms, with branches all around New Zealand. Day to day, Craigs manages people's money (young or old, new or experienced investors alike), although historically it has appealed to individuals with sizeable funds to invest. It has been operating for over 35 years, having opened its first office in Whakatane in 1984. It competes with the likes of Forsyth Barr, and other privately owned wealth management companies.
  • Monthly KiwiSaver fund updates and quarterly fund performance reports are available on the QuayStreet website.
  • Each of the ten funds has a unique risk factor (1 = lowest, 7 = highest), which is driven by its distinct investment profile.
  • Fees, returns, risks and the suggested investment timeframe differ between funds, as we outline below.
​1: QuayStreet Fixed Interest Fund​
This fund invests 100% of its assets in income assets such as term deposits with banks, government and company bonds. Recent investments included deposits with ASB and ANZ, and bonds with companies such as Genesis Energy, Vector, Chorus, Sydney Airport and Seek, among others.
  • Average annual net return since fund launch (2009): ~3.50%
  • Annual fee: 0.78%
  • Risk factor: 2
  • Suggested minimum investment timeframe: 3 years
  • Investment Composition: NZ Fixed Interest (83%), Cash (13%) 

We say:
  • The QuayStreet Fixed Interest Fund​ is the most conservative QuayStreet fund, intending to provide stable returns over the medium term. It invests 100% of the fund into low-risk products such as term deposits and bonds with investment-grade companies and banks.
  • The fund's performance is somewhat restricted by the sizeable 0.78% management fee.
  • The Fund is actively managed and invests in New Zealand and International bonds. The expected returns from these asset classes is higher than less actively managed cash or fixed interest index funds.​
​2: QuayStreet Income Fund
As its name suggests, this fund invests mostly in income assets which are of short to medium-term in nature. Recent holdings included bonds with investment-grade companies such as Seek, Property for Industry, Chorus, Vector and Mirvac, and a term deposit with Kiwibank, among others. 
  • Average annual net return since fund launch (2015): ~4%
  • Annual fee: 0.79%
  • Risk factor: 2
  • Suggested minimum investment timeframe: 3 years
  • Investment Composition: NZ Fixed Interest (70%), Listed Property (10%), Cash (10%), Australasian Equity (10%)

We say:
  • The Income Fund is the second most conservative QuayStreet fund, but has performed ahead of the Fixed Interest fund because of its higher-interest investments and capital gains in sharemarket investments. 
  • Despite the performance, the fees remain relatively high. Charging 0.79% p.a. to return around 4% on average makes it one of the more expensive cash/conservative funds available to KiwiSaver members.
  • We're unsure why the fees are so high for such a fund that doesn't require an extensive amount of active investment judgement.
  • The Quaystreet Income Fund has the dual objective of providing stable, reliable income while preserving capital over the longer-term. The Fund achieves this by investing in low volatility securities.
3: QuayStreet Conservative Fund
​This fund invests predominantly in New Zealand bonds and deposits, with some international shares for fund growth. Recent holdings included NZ Government bonds, bonds with ASB, Vector, Genesis Energy and Chorus, holdings in global funds such as the Ishares Core S&P 500 and MSCI Eafe, and cash deposits with the ANZ.
  • Average annual net return since fund launch (2007): ~4%
  • Annual fee: 0.79%
  • Risk factor: 2
  • Suggested minimum investment timeframe: 3 years
  • Investment Composition: NZ Fixed Interest (60%), Cash (20%), International Equity (10%) and Australasian Equity (10%)

We say:
  • The QuayStreet Conservative Fund offers investors exposure to New Zealand bonds and term deposits, backed by the government and low-risk companies.
  • When comparing the performance to other conservative funds, QuayStreet ranks similar to KiwiSaver funds offered by the banks, and lower than specialist investment managers such as Milford and Fisher Funds. It's also worth noting that the Simplicity Conservative Fund has outperformed QuayStreet year-on-year, and charges a much lower 0.31% annual fee (vs 0.79%). 
  • We take the view that the fees remain relatively high. Charging 0.79% p.a. to return around 4% on average makes it one of the more expensive Conservative funds available to KiwiSaver members.
  • The higher-than-standard fees are due to the fund being actively managed with direct investments in New Zealand and International bond and equity markets. The expected returns from these asset classes is higher than less actively managed cash or Index funds.
​4: QuayStreet Balanced Fund
This is QuayStreet's 'middle of the road' fund, with a 60% target in growth assets (NZ and international shares) and 40% allocated to income assets (cash, bonds and term deposits). The Balanced Fund is actively managed, and recent holdings included investments in global funds such as the IShares Core S&P 500, MSCI India and EAFE (which invest in America, India and Europe respectively), term deposits with ANZ and Westpac, a bond with the New Zealand government, and shares in A2 Milk. This fund is designed to appeal to those who want to split their KiwiSaver into low-risk assets and growth assets.
  • Average annual net return since fund launch (2007): ~6%
  • Annual fee: 1.04%
  • Risk factor: 3
  • Suggested minimum investment timeframe: 5 years
  • ​Investment Composition: NZ Fixed Interest (30%), Cash (20%), International Equity (40%) and Australasian Equity (20%) and Cash (20%). 

We say:
  • Currently, the Balanced Fund has reported one of the lowest 5-year average returns for all balanced funds, despite charging a high-than-average management fee. 
  • The Balanced fund remains QuayStreet's second most popular fund, with over $50 million invested.
  • The annual fee charged (1.04%) ranks it 19th out of 39th among balanced funds in terms of fees charged. 
5: QuayStreet Socially Responsible Investment Fund
This fund allocates up to 60% of money into international, Australian and New Zealand shares, bonds and other investments that have a socially-responsible nature. Recent investments include managed environmental, social and governance funds with MSCI and Vanguard, a green bond with Contact Energy, and term deposits with the Bank Of China, ANZ and Citibank, among others. The fund is designed for long-term investment, given the growth potential of such sharemarket investments.
  • Average annual net return since fund launch (2016): ~5.50%
  • Annual fee: 1.07%
  • Risk factor: 4
  • Suggested minimum investment timeframe: 5+ years
  • Investment Composition: International Equity (40%), Australasian Equity (20%), NZ Fixed Interest (30%) and Cash (10%)

We say:
  • The SRI fund is not an 'impact fund,' it is a fund that invests in a diversified portfolio of high quality Environmental, Social and Governance companies and avoids investment in unethical industries and business activities. 
  • The fund would be popular for anyone wanting to invest in a socially-focused investment portfolio. 
  • ​​The annual fee charged (1.07%) is in line with actively managed funds, but is significantly higher than the SuperLife Ethica and more than three times higher than index funds like the Simplicity Growth fund, which is itself ethically-orientated.
Craigs QuayStreet KiwiSaver review
6: QuayStreet Growth Fund 
This fund invests up to 80% of its assets into growth assets, with QuayStreet describing the fund as a 'diversified portfolio with an emphasis on growth assets, such as shares and property'. Recent holdings included investments in index-tracking funds such as Ishares Core S&P 500 and MSCI Eafe, shares in A2 Milk and Fisher & Paykel Healthcare, and term deposits with ANZ and Westpac, among others.
  • Average annual net return since fund launch (2007): ~7%
  • Annual fee: 1.29%
  • Risk factor: 4
  • Suggested minimum investment timeframe: 5+ years
  • Investment Composition: International Equity (55%), Australasian Equity (25%), NZ Fixed Interest (15%) and Cash (5%) 

We say:
  • The Growth Fund is QuayStreet KiwiSaver's largest fund, with over 3,000 members and $70+ million invested.
  • QuayStreet's investment managers select each company based on the potential of future returns, given that shares and property are both very much a long-term investment.
  • The biggest risk is that the global markets drop in the short term and KiwiSaver balances fall as a result, but there is a 20% allocation of funds to cash assets to counteract some of this risk.
  • The annual fee charged (1.29%) is in line with actively managed funds, although still around 100% to 300% higher than index funds like the Simplicity's Growth Fund and SmartShare's Growth Fund.
  • The Growth Fund is very much a long-term fund given the investments and risks, and for these reasons, QuayStret suggests a five year minimum investment period.​
Craigs QuayStreet KiwiSaver review
7: QuayStreet New Zealand Equity Fund
This fund invests up to 100% of its money in New Zealand shares listed in the NZX. It's a growth-focused fund, with recent investments including A2 Milk, Meridian Energy, Fisher & Paykel Healthcare, Contact Energy, Spark, Auckland Airport, Mainfreight, Ebos Group and Chorus, among others.
  • Average annual net return since fund launch (2011): ~14%
  • Annual fee: 1.29%
  • Risk factor: 4
  • Suggested minimum investment timeframe: 5+ years
  • Investment Composition: New Zealand equities (100%)

We say:
  • The NZX has rallied in recent years, driving growth in the QuayStreet New Zealand Equity Fund. Day-to-day returns will be volatile, but over the long-term, the aim is to beat market indexes.
  • The biggest risk is that New Zealand shares drop in the short term and KiwiSaver balances fall as a result, but the investment managers can switch investments to cash or fixed-interest investments to counteract this risk.
  • The annual fee charged (1.29%) is in line with actively managed funds focused on New Zealand equities.
  • The QuayStreet NZ Equity Fund ranks 5th for all funds in the Kiwisaver comparison for funds with a minimum 5 year track record, making it historically one of the best performing KiwiSaver funds. 
8: QuayStreet Australian Equity Fund​
As the name suggests, this fund invests in Australian shares. Recent holdings included ANZ Bank, Commonwealth Bank Of Australia, Westpac, Macquarie Group, BHP Billiton, Resmed Inc, Cleanaway Waste Management and Santos, among others. Because of market movements and the long-term nature of shares, it's a growth-focused fund that has a suggested 5+ year investment period.
  • Average annual net return since fund launch (2011): ~3%
  • Annual fee: 1.29%
  • Risk factor: 5
  • Suggested minimum investment timeframe: 5+ years
  • Investment Composition: Australasian equities (100%)

We say:
  • Based on the investment class targets above, the fund offers relatively high-risk investment opportunity with a 100% exposure to Australian shares.
  • The 1.29% fee is standard for actively managed equity funds, but the recent annual returns of 2% to 3% challenge the costs, risks and returns of this fund overall.
9: QuayStreet International Equity Fund
This fund invests in international shares. Recently holdings include global funds like Ishares Core S&P 500, MSCI Eafe, and direct investments in Paypal Holdings Inc, and deposits with Westpac and ANZ, among others. The fund aims to beat global markets by looking for opportunities unknown to other investors. QuayStreet's investment managers will research specific companies and buy/sell shares as needed.
  • Average annual net return since fund launch (2009): ~7%
  • Annual fee: 1.29%
  • Risk factor: 5
  • Suggested minimum investment timeframe: 5+ years
  • Investment Composition: International Equity (100%)

We say:
  • The QuayStreet International Equity Fund offers exposure to international companies, with the investment managers selecting shares directly and also investing in global funds and index-tracking funds. 
  • Since 2009 it has made an average 7% return per year, although the fee of 1.29% is at the higher end for a share-investing fund.
  • Those wanting higher returns from sharemarket investments can consider the QuayStreet Altum Fund (see below), QuayStreet New Zealand Equity Fund and QuayStreet Australian Equity Fund (see above). 
10: QuayStreet Altum Fund
This fund invests up to 100% of its money in Australian and New Zealand shares. It is one of QuayStreet's most aggressive funds, although less risk than the QuayStreet International Equity Fund (above) due to its focus on local companies. Recent investments included Fisher & Paykel Healthcare, A2 Milk, Macquarie Group, Mainfreight, CSL, Santos and Fletcher Building, among others.
  • Average annual net return since fund launch (2014): ~7.50%
  • Annual fee: 2.18% (including a performance fee estimated at 0.9% per annum). 
  • Risk factor: 4
  • Suggested minimum investment timeframe: 5+ years
  • Investment Composition: Australasian Equity (100%)

We say:
  • The Altum Fund will appeal to KiwiSaver members who want to invest in growth assets locally based. Since the fund launched, equity markets in New Zealand and Australia have performed well, but how the fund performs when there is market turbulence remains to be seen. 
  • The fund was launched in 2014 and has one of the highest management fees in KiwiSaver, although the 2.18% fee includes a performance fee estimated at 0.9% per annum. 
  • Those wanting a growth fund that focuses on only Australia and New Zealand markets can consider the Altum fund, but alternatives such as the QuayStreet Australian Equity Fund or the QuayStreet New Zealand Equity Fund offer similar investments without the high management and performance fees.

Craigs QuayStreet KiwiSaver review

Who is the QuayStreet KiwiSaver Scheme Suited To?

In our view, we believe the core Conservative, Balanced and Growth funds offered by QuayStreet are not as attractive as alternative funds managed by active managers like Milford, Fisher Funds, Booster and Generate, and index-tracking options such as SuperLife and Simplicity. This is based on historical performance and fees.
​
Standout Features:
  1. Unlike KiwiSaver schemes run by many banks, QuayStreet is New Zealand owned and operated.

Pros
  • Ten funds that offer a sliding scale of risk and return, clearly defined in investor statements.
  • Investments are diversified and include cash deposits, NZ government bonds and NZ corporate bonds, New Zealand shares and global equities.
  • Up to date fund performance and balances are available 24/7 via QuayStreet's website.

Cons
  • QuayStreet's low-risk funds still incur high management fees relative to similar funds offered by many other providers.
  • Recent data from our KiwiSaver comparison tool, which uses Financial Markets Authority data, reported QuayStreet's Conservative, Balanced and Growth funds as having some of the lowest returns in their respective fund classes.
  • There is no life/age program option, which moves your money into more conservative (i.e. less risky) funds as you get older as a way to protect your KiwiSaver balance. However, QuayStreet does allow investors to select more than one fund, so as you age, you could put more of your KiwiSaver balance into lower-risk funds.

Be aware:
  1. As with any investment, markets go up and down. The Dotcom bubble in the early 2000s sank global sharemarkets, as did the 2008 Global Financial Crisis. While many global sharemarkets are now at record highs, this is no guarantee of future earnings.
  2. When it comes to Socially Responsible Investing, QuayStreet makes it clear - "If you want to invest with social responsibility in mind the options in the market can be limited". It offers the Socially Responsible Investment Fund as an alternative option. 

Craigs QuayStreet KiwiSaver review

8 things to know about the QuayStreet KiwiSaver scheme

Craigs QuayStreet KiwiSaver review

QuayStreet is one of the smallest KiwiSaver schemes around

The first KiwiSaver funds launched in 2007, and right now total around $180 million in funds under management. This represents a fraction of one percent of the total KiwiSaver investments.
​
Craigs QuayStreet KiwiSaver review

No matter what your employer's default KiwiSaver provider or fund is, you are entitled to select QuayStreet as your KiwiSaver scheme

Your employer may offer another KiwiSaver provider as their preferred provider, but you are free to choose QuayStreet KiwiSaver as your provider if you feel it's right for you. ​You don't have to be a client of Craigs Investment Partners - QuayStreet is available to everyone.

Craigs QuayStreet KiwiSaver review

QuayStreet has easy-to-understand fees, and there is no minimum investment

No matter what your fund is, as a QuayStreet KiwiSaver member, you'll pay two fees:
  • Between 0.78% and 2.18% p.a. of your KiwiSaver balance per year, depending on the fund(s) you select, which represents the management and administration fees.
  • $45 per year, made up of a $30 administration fee, and a scheme expenses fee of $15, which are fixed fees for being a member of the QuayStreet KiwiSaver scheme.

If you want to contribute to your fund at a level above your fixed salary contribution, you can do this via the online banking or manually by contacting the client services team. If you stop contributing, you will still pay both fees. 

Craigs QuayStreet KiwiSaver review
Craigs QuayStreet KiwiSaver review

Dividends your fund receives are reinvested, meaning more cash is invested on your behalf

Many of the QuayStreet KiwiSaver funds invest in shares, and many will pay dividends. These cash payments represent the profits from companies returning it to the shareholders, i.e. you. When a company declares a dividend, your fund will receive money, and it is re-invested into more shares, growing the value of your fund. Despite being a cash payment, and as is the case with ALL KiwiSaver funds, there is no option to take this money as cash until you turn 65. 
Craigs QuayStreet KiwiSaver review

All of QuayStreet's KiwiSaver funds are actively managed

While some KiwiSaver funds have objectives stating that they will make decisions with the aim of beating the markets, QuayStreet is much more conservative. The following is stated in its Product Disclosure Statement:

  • The underlying QuayStreet Funds are managed with the investment philosophy that an actively managed and concentrated selection of investments can provide better returns than market benchmarks.
  • We target investments which have good and sustainable underlying business models which are trading at an attractive valuation in relation to their “intrinsic value”.
  • The “intrinsic value” is the valuation we derive after analysis that values the future cash flows of the investment at today’s prices. This basic philosophy applies to all security types and assets that we invest in.
  • We have a high level of conviction in our investment ideas which is reflected by larger investments in a smaller number of securities.
  • We believe in the benefit of being proactive, but not hyperactive in terms of managing the portfolios. We do not transact frequently and generally buy securities with the intention of holding them for the long term.

In summary, QuayStreet ensures investments are actively managed - each fund has its own key personnel, tasked with the responsibility of portfolio management and analysis. QuayStreet will then select specific investments it sees as undervalued, anticipating that in time, the value of the investment will grow and ultimately make a profit for the fund. It does this with a long-term view, and doesn't 'day trade' or buy and sell investments in the short-term.

How does this work in practice?
  • Each QuayStreet fund and its investment team follows the agreed-upon target investment mix. For example, the target of Australasian Equity investments in the QuayStreet Growth Fund is 20%.
  • This allows the fund manager to invest up to 20% of the fund in assets that fall within the category of 'Australasian Equity'.
  • The manager can use all of the allocation on one company, or diversify into many investments (which is what happens in practice). As Australasian equities are not without its risks, investment managers will diversify and purchase many different shares.
  • A recent report into the holdings of the QuayStreet Growth Fund shows Australasian Equity-classified investments in A2 Milk and Fisher & Paykel Healthcare.
  • As market conditions change, the investment manager buys and sells individual investments as they see fit.
  • Remember, past fund performance is no guarantee of future results; what you ultimately invest in will be determined by your level of comfort with a fund.
​
Craigs QuayStreet KiwiSaver review
Craigs QuayStreet KiwiSaver review

​Signing up to QuayStreet isn't complicated, and you are not limited to only one fund

Signing up to the QuayStreet KiwiSaver scheme is easy, and you can create your own portfolio of investments by choosing any combination of the funds. This means you can allocate 20% of your money to one fund, 40% to another, and 10% to another two, giving you diversity.

But if mixing funds doesn't interest you, QuayStreet makes it easy to pick one fund. Helpfully, the names of the funds are free of buzzwords or spin with the use of plain English titles. 

Generally, if you're looking for a safe investment with the lowest risk of seeing your original investment fall, a conservative fund could be a suitable option. But many investment professionals would suggest against being in a conservative fund for the long term. If you're looking for a higher return and are prepared to have your money in higher-risk investments which could fall in value, balanced and growth funds operate in this manner.

Generally, if you want to grow your KiwiSaver fund for the long-term, and unless you're risk-averse, the Conservative Fund isn't likely to make you high returns. Share investments in the QuayStreet Conservative Fund are limited to a 20% target, meaning 80% of the money sits in low-interest bonds and other fixed-interest.

If you are in this fund and would prefer a more aggressive fund, you have the option to switch free of charge. You can switch to another QuayStreet KiwiSaver fund, or any other KiwiSaver fund operated by another scheme. You can also opt-out of KiwiSaver altogether if you do not wish to participate.

If you're not sure of what to invest in and want to have a range of options to pick from, look at MoneyHub's KiwiSaver fund comparison tool which includes all QuayStreet funds.
Craigs QuayStreet KiwiSaver review

The performance data is easy to follow, and updated regularly

​Fund performance details are published on the QuayStreet website monthly (via fund updates) and every three months. You can see the asset allocation, performance and regional investments (i.e. what percentage of your KiwiSaver fund is in USA shares and Australasia, for example). 

Y
ou can also check your KiwiSaver balance 24/7 by logging in to the QuayStreet website.
​

Craigs QuayStreet KiwiSaver review

QuayStreet offers a fund dedicated to investing in New Zealand shares

Relatively rare within KiwiSaver, QuayStreet is one of the few schemes which offer investors to pick a fund that only invests in New Zealand listed companies. The Quaystreet New Zealand Equity Fund is actively managed, and recent holdings included heavyweights A2 Milk, Meridian Energy, Fisher & Paykel Healthcare, Contact Energy, Spark, Auckland Airport, Mainfreight, Ebos Group and Chorus, among others.

Craigs QuayStreet KiwiSaver review

Our Conclusion​

  • QuayStreet offers a diverse range in funds despite its small size and total funds under management. 
  • Whatever the underlying reasons are that affect the recent returns, we take the view that investors may find better value for money and (potentially) higher returns by looking beyond the QuayStreet offering.
  • Most funds offer investors exposure to the New Zealand sharemarket, Australian sharemarket, local and global bonds, as well as New Zealand bonds and cash deposits.
  • The active management means particular shares will be bought, at the discretion of the fund manager, so there is a risk of negative returns if the investment doesn't perform.
  • Active management can also add to the upside while avoiding risks by adjusting investments according to market conditions.
  • With every fund offered, the higher the weighting of growth assets vs income assets, generally, the higher the annual management fee. This is expected to be offset by the long-term performance of the fund.

Do you have experience with QuayStreet's KiwiSaver scheme that you would like to share with our readers? Email our research team who would be delighted to hear from you. 
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    • Travel Money By Country
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  • Banking & Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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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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      • Australia and the Pacifc
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      • Americas & Africa
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
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  • Mobile & SIM
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    • Apple Watch Buying Guide
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    • Best iPhone Plans
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  • Broadband
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    • Internet Speed Test
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  • Power
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    • Power Companies
      • Contact Energy Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • How to Maximise Income in Retirement
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
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      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
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      • How to Retire Early
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