MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • Independent Reserve Review
        • eToro Review
        • Coinbase Review
        • Kiwi-Coin Bitcoin Exchange Review
        • Vault International Bitcoin Fund Review
      • Guides
        • How to Buy Bitcoin in New Zealand
        • Beginner's Guide to Bitcoin and Blockchain
        • Guide to NFTs
        • Bitcoin Wallet Guide
        • Bitcoin Mining
        • How to Sell Bitcoin
        • Bitcoin and Crypto Scams
        • Initial Coin Offerings
        • A Beginner’s Guide to Investing in Cryptocurrencies
        • Decentralised Finance
        • Bitcoin in New Zealand
        • New Zealand Bitcoin Exchanges
        • How to Buy Ethereum in New Zealand
        • Other Coins
          • How to Buy Ripple in New Zealand
          • How to Buy Cardano in New Zealand
          • How to Buy Dogecoin in New Zealand
          • How to Buy Litecoin in New Zealand
          • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Car Insurance
      • Guides
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews
      • Wise International Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • Business Calculators
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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UK Pension Transfer to New Zealand - The Definitive Guide

Our guide explains everything you need to know about UK to NZ pension transfers, including pros, cons, must-know considerations, tax obligations and identifies some of the New Zealand Superannuation Schemes that can receive a transfer value.
UK Pension Transfer to NZ
Updated 1 November 2023
Summary:
  • ​Pension transfers from the UK to New Zealand have been transacted for over 2 decades but there are many considerations before making a decision.
  • As a general warning, the best approach is to proceed with extreme caution - there are many negative aspects of pension transfers and your decision is usually irreversible.
  • Whilst having control of what can be a significant sum of money might be very tempting, there are a number of risks to your financial security that should be considered.  There are specific processes and regulations you should know before transferring funds.
  • It’s always best to consult with a pension expert before transferring funds. This is because of the complexities around the types of UK pension schemes, the UK’s expansive pension legislation and the terms and conditions that might apply to the pension scheme.
  • Here in New Zealand there are numerous issues too including tax, which can adversely affect your pension balances and the type of Superannuation Scheme selected as well as taking on a number of risks that are borne by a previous employer or current insurance company.

In this guide, we outline the general process for pension transfers from the UK to New Zealand. We cover:
  • Is It Legal To Transfer Pension Funds To New Zealand?
  • Transferring Pension Funds From The UK To NZ - Five Things To Know
  • Frequently Asked Questions
  • How Do I Choose A QROPS, and Which One Is Best?
  • Other Relevant Points To Consider Before Making a Final Decision​
  • UK To New Zealand Pension Transfers - Must-Know Facts
  • Concluding Comments

Related Guide: What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?

UK Pension Transfer to NZ - Legal to Transfer

Is It Legal To Transfer Pension Funds To New Zealand?

​In short, yes, it is legal. But you must transfer the funds into a Qualifying Recognized Overseas Pension Scheme (QROPS). A QROPS is qualified if it’s a New Zealand Superannuation Scheme registered with UK HM Revenues & Customs (here is a link to New Zealand registered schemes), and the choice is yours as to which scheme you want to invest in.  However KiwiSaver schemes cannot register as a QROPS. 

There are a number of Superannuation Schemes operated by well-known investment managers. Examples include Booster, Britannia Retirement Scheme, Craigs, Kiwi Wealth and SuperLife.

Why is this important?

​Transferring your pension as a 'recognized transfer' limits your tax liabilities upon transfer (in most cases). However any guarantees or promises within the UK scheme would be lost upon transfer to the QROPS scheme you select. In addition, with the demise of a variable annuity that was offered by NZ based Lifetime Investment Management, the only avenue to access an annuity is through your UK pension scheme. Whilst many advisers frown upon annuities they do offer a high degree of certainty in terms of only ceasing on death (no matter how long you live, and not being reliant upon investment returns.

UK Pension Transfer to NZ - Five Things To Know

Transferring Pension Funds From The UK To NZ - Five Things To Know

​​There are specific regulations for transferring funds from the UK to NZ, which we detail below:
UK Pension Transfer to NZ - Five Things To Know

Understand What Pensions you can Transfer

Generally you may transfer most pensions but there are some circumstances that preclude a transfer that a UK pensions specialist will be able to identify for you.
 
Examples of UK pension schemes that might permit a transfer include:
  • Occupational pension schemes, which include
  • Defined Benefit Schemes
  • Small Self Administered Schemes
  • Auto Enrolment Schemes (UK equivalent of KiwiSaver)
  • Executive Pension Plans
 
Private pension schemes, which include:
  • Personal Pensions
  • Retirement Annuity Plans
  • Self Invested Personal Pensions
  • Buy-out Bonds
UK Pension Transfer to NZ - Five Things To Know

There are tax considerations

Tax regulations took effect in 2014 sought to bring about a level playing field between those who transfer their benefits to New Zealand and those who decide not to, and in fairness to the NZ tax office they are generally well devised.  The regulations introduced a four-year transfer window. This starts the day you become a New Zealand tax resident. If you transfer your UK pension into a QROPS within this time, you won’t normally incur a New Zealand tax liability on the transfer. It also gives new migrants a chance to see if they can secure permanent residency before being faced with a major decision that for some is irrevocable.
 
After the first 4 years income tax will be assessed on the transfer value.  There are two methods of calculating the liability. The taxable amount is assessed at your marginal rates of income tax.
 

If you are transferring a defined benefit scheme you can only use the Schedule Method.  If you are transferring other types of scheme you can use either calculation method that results in the lowest tax liability
 
It’s important that you appreciate your QROPS scheme will incur tax liabilities each year on taxable investment returns and, typically, the liability will not be to dissimilar to the tax liability that would accrue under the schedule method.  In addition the QROPS has management fees that will be deducted from your plan each year and your adviser may also make an annual charge to cover the cost of any on-going advice.  The combined effect of these charges is likely to be considerably higher than the impact of tax and fees being deducted by your UK pension scheme (note there are no fees attaching to membership of a final salary scheme). There may be tax implications for other savings in New Zealand for the following 2 years, such as your KiwiSaver.
 
UK pension schemes only pay tax on dividend income from their investment in shares; all other investment returns are tax-free.  For that reason UK pension schemes only permit 25% of the ‘fund value’ to be taken as a tax free lump sum, the rest must be taken as a pension that is subject to income tax.  Under the rules mentioned above, the receipt of a tax-free lump sum from a UK pension scheme would be subject to income tax in New Zealand.  However due to the tax treaty that exists between the UK and New Zealand, your UK pension would only be subject to income tax here in New Zealand.  This just requires a simple form to be completed to invoke the treaty terms and your adviser or tax professional should be able to help.
 
Superannuation Schemes might operate as PIE schemes (like many KiwiSaver schemes), as variable rate PIE schemes or as Widely Held share schemes.  The latter assesses all taxable gains to one uniform rate of 28% regardless of your personal tax situation.
UK Pension Transfer to NZ - Five Things To Know

Understanding the UK Tax Liabilities

It’s best to use a pension expert when transferring your funds; one wrong move and you could lose a large portion of your retirement funds. While you'll need to transfer your money into a QROPS; UK regulations require you to obtain a pension report from a suitably qualified and authorised UK based financial adviser for all defined benefit schemes and personal plans that contain a Guaranteed Annuity Rate and/or a Guaranteed Minimum Pension (GMP) liability.  Expect to pay up front for the report; typical costs will be several thousand pounds unless you are in ill health, or in serious financial hardship and over the Normal Minimum Pension Age, (NMPA); in these circumstances the UK regulator will allow the UK adviser to secure remuneration by way of a commission should the transfer to a New Zealand scheme proceed, in all other instances the UK regulator insists the adviser charges a fee for advice.  As it that wasn’t enough complexity, there are other considerations to be aware of:
  • As a result of the introduction of the Overseas Tax Charge by the UK tax office, you may be assessed for a UK tax liability if you subsequently leave New Zealand within five years of the transfer and don’t take remedial action. The remedial action required depends upon your age at the time and where you move.  For example, if you move to Australia and are aged less than 55 (See later), you have no options available and would have to pay tax.  This is because Australian schemes cannot receive UK tax relieved funds in respect of individuals who are (currently) below NMPA.  In addition, there are currently no UK pension schemes that will set up a new account to receive a transfer from a QROPS in respect of a non UK resident who is below NMPA. Even if you are over NMPA, you will need to have received some pension benefits in New Zealand before transferring them back to the UK.  If you have retained a UK pension scheme, you might be able to transfer back to that scheme but this would depend upon the type of scheme retained in the UK and the willingness of the plan provider to accept the transfer. 
  • The tax liability has to be deducted by the QROPS  (who are jointly and severally liable for the tax liability with you) and is set at a blanket rate of 25% of the taxable amount. 
  • If you transfer to a QROPS which wasn’t eligible to register with HMRC, or whose registration is subsequently cancelled, you could incur a 55% tax liability.  Make sure you undertake appropriate checks to make sure the scheme you are considering using has the systems, knowledge and controls to satisfy HMRC’s expectations and adhere to the rules that extend from the UK, such as NOT paying a benefit that wouldn’t be permitted if you still lived in the UK: Financial hardship below NMPA being one example.
  • If you receive more than £100,000 from the QROPS and return to the UK within the first 5 complete and continuous tax years from first leaving, you could still be assessed for UK income tax.
  • If you receive benefits from your QROPS and return to the UK, you (and your UK employer) may be stymied in your ability to make further pension contributions to a UK pension plan.
  • If you receive any money from your QROPS before NMPA except in circumstances of ill health (that preclude you from working again), it may be liable to UK taxation and may threaten the ability of the QROPS to retain registration as a QROPS.  One of the reasons KiwiSaver cannot be a QROPS is because the rules governing these schemes permit access to funds (subject to trustee approval) in times of financial hardship.  This facility doesn’t exist under UK regulations.
 
It is important to be aware that the UK tax office regards all money paid to you by a QROPS comes firstly from the amount that was (originally) transferred from the UK scheme.  I.e. you cannot access any investment growth from the QROPS until such time as you have accessed all the money that was transferred from the UK.  Any amount received from your QROPS that wouldn’t be allowed from a UK pension scheme is an ‘unauthorised payment‘ and may be subject to taxation.
 
Despite living in New Zealand the tax treaty that exists between the two countries calls upon both nations to collect any tax liability from its citizens that are due to the other country.
UK Pension Transfer to NZ - Five Things To Know

Know the Process to Transfer Your Pension from the UK to New Zealand

Your New Zealand Adviser may have to secure a report from an appropriately licensed UK adviser if the transfer value of your UK plan (or the cumulative value of more than one plan) is £30,000 or more and your entitlement is held by:
  • a defined benefit scheme
  • a pension annuity (a type of personal plan)
  • a buy out bond that contains specific pension entitlements
  • a personal plan, buy out bond or an executive plan that contains a guaranteed annuity rate clause
 
Only specially licensed UK financial advisers can provide reports under 1 and 3 above.  The UK adviser must provide a personal recommendation, which is based on the starting premise that a transfer is inappropriate unless on current evidence it is unquestionably clear that a transfer would be in an individual’s best interests. 

Defined Benefit Schemes should make you aware within 1 month of receiving your request for a transfer value if you will need to secure a UK report

Defined Benefit Schemes have 3 months to issue you with a transfer value (referred to as a Cash Equivalent Transfer Value)

The quotation generally has a 3 months expiry date by which time, if the recommendation is to transfer, all completed documentation required by the scheme must be returned

The UK scheme then has a further 3 months to finalise any due diligence and make payment, but if they need more time to make enquiries this is generally permitted
 
If you have a personal scheme there are no set timescales apart from returning specific documents that form part of a large package of forms within 60 days of the transfer value quotation date.
​
As a result of the increase in Scams the UK Pension Regulator has increased its expectations on all pension providers (occupational and personal) to be vigilant, and make sufficient enquiries to satisfy themselves that the transfer of benefits isn’t an attempt by an individual to scam the pension plan member out of their retirement savings.  You should therefore expect a large amount of information being required by the UK pension scheme.  They will almost certainly insist on dealing with you directly rather than via your New Zealand adviser (because NZ financial advisers are not registered with the UK financial services regulator).  It is quite likely that the time taken to finalise any transfer will be considerably longer than the timeline identified above.  However there are limits on how much they can reasonably expect of you and there are some restrictions imposed by the provisions of the General Data Protection Regulations (GDPR) (Data Protection Act 2018). However, you will need to be patient.
UK Pension Transfer to NZ - Five Things To Know

Important: Don't Be Reluctant to Seek Expert Help

Transferring your pension funds to New Zealand might be a good idea if you’re retiring in New Zealand, but make sure you know the regulations.

Transferring all of the types of schemes identified in point 4 comes with added risk, that’s why the UK financial services regulator imposes additional advice requirements. You (and your adviser) will need to consider additional factors including:
  1. You are transferring investment risk before and/ or after retirement from the UK scheme to yourself.  Don’t get carried away with media (or adviser hype) about historical investment returns.  All types of underlying investment in the QROPS can fall as well as rise and are not guaranteed.  If you are contributing to your KiwiSaver the actual fall in underlying values may be greater than you think, having been ‘masked’ by your on-going contributions.  Even ‘safe haven’ funds (such as those invested in corporate and Government debt) have suffered dramatic falls in 2022.
  2. You transfer longevity risk’ to yourself;​guessing what age will you die and thus how long will you need to make the money last for.   People are living longer on average, but medical advances mean that for many the extra years are spent in poor health and with added costs.  The Office for National Statistics in the UK offer a simple online tool that can give you some idea of your life expectancy, but personal health details should be taken into account.  Following the demise of New Zealand’s only variable annuity product, the country sadly no longer offers investors a guaranteed retirement income option, meaning your retirement fund is subject to the vagaries of investment returns, second guessing one’s life expectancy which might necessitate temporarily reducing or even ceasing one’s retirement income from the QROPS in order to improve the chances that your retirement fund will outlast you
  3. You transfer sequencing of investment returns to yourself, a run of negative investment years as you enter retirement could seriously impact on the ability of your fund to provide you with the income you need in retirement
  4. Your own behavioural bias could lead you into making a bad decision.  The lure of a significant sum of money instead of a guaranteed income in retirement can play havoc with your thought process
  5. You are giving up a guaranteed income for life (and a surviving partner’s life), which might be accompanied by generous inflation proofing, for all the uncertainties identified in points 1 to 4

UK Pension Transfer to NZ Frequently Asked Questions

Frequently Asked Questions

What is the earliest age I can access my UK pension fund (Normal Minimum Pension Age)?

Currently 55, unless you are in ill health (meaning your health will not enable you to return to work again; this needs to be confirmed by your medical professional).  However this will increase to 57 from 6th April 2028.  The UK Government is currently working on provisions that might offer relief to those who will attain age 55 before 6th April but who would otherwise have to stop receiving benefits after April 2028 because they’re not yet 57.  As yet those provisions are unknown.
 
Those individuals who were members of a UK pension Scheme or QROPS might still have access to their benefits at the ages of 55 or 56 if:
  1. You had money invested in a pension scheme on 3rd November 2021, and
  2. The rules of THAT pension scheme gave unqualified right to take your pension savings from an earlier age than 57.  (What this means is you don’t need approval from the trustees or administrator of the pension scheme to take your benefits, and
  3. Those rules were in place on 11th February 2021

​You may also retain the right to access at 55 or 56 if you transferred into a QROPS or UK pension scheme that meets the requirements above on or before 3rd November 2021 (or signed paperwork before 3rd November 2021.  There is one other way one can access the earlier age, but the likelihood of the criteria being met on transfer to a QROPS is very remote so has been ignored for the purposes of this article.
 
If you already have a QROPS, check the investment statement or product disclosure document for coverage on this issue.  If it makes mention of trustee approval to access benefits or mentions age 55, or any age set by the UK Government, you are caught by the new rules and will have to wait until you are 57 or in ill health preventing you from working ever again or suffering from an ill ness likely to result in death within the next 12 months.

Important:
Be careful about transferring from a UK pension scheme where you have the right to take benefits from age 55 (or younger) as this right will now be lost on transfer to a QROPS.

Can I transfer my UK pension to New Zealand?

Yes, as long as you meet specific conditions:
  • You are not already receiving income from most annuities purchased with your UK pension funds
  • You aren’t receiving a pension from your defined benefit scheme or normally (but not always) you aren’t inside the final 364 days before the pension scheme’s normal retirement age; and
  • Your pension is not a State Pension or an unfunded public sector pension scheme (e.g. NHS, Civil Service, Police and Fire Services)
​Technically yes, but it would result in a tax penalty that would be deducted by the UK scheme. You might be able to reclaim the tax if you subsequently take up residency in New Zealand.  But you will have lost out on potential investment returns on the money and the exchange rate of £ for $ is likely to be different. ​

How long does it take for UK pension funds to be transferred to New Zealand?

​While there are no guidelines, and every scheme is different, you can expect any time between one and nine months (defined benefit schemes generally take the longest). Once the money is received in New Zealand, your investment scheme should issue you with confirmation of the amount received and details of the investment bought with the money. 

How can I withdraw money from my QROPS account?

​Once you reach NMPA, you can receive the money requested from your QROPS account (as a one-off payment, as a regular income or as a combination of both). You can have an early entitlement to your money if you are , retiring early due to ill health. ​

Will I pay fees to transfer my UK pension to New Zealand?

Yes and No. It depends on how you initiate the transaction and who the QROPS manager is. While you will almost certainly pay on-going management fees to the QROPS administrator and perhaps investment fees to the funds management group, there may also be a one-off advisor fee and/or on-going service fee for handling the transfer and providing advice. To know what you’ll pay, ask upfront about the potential fees that will be charged to transfer the money and provide on-going investment advice (including how much it is sensible to spend each year throughout retirement without spending all your QROPS fund whilst you are still relying on it to provide you with income).
​
 If you need a report from a UK adviser, expect to pay a fee upfront for their report unless you are in serious ill health or in severe financial difficulties and over NMPA

What happens if I transfer to an overseas scheme that is not a QROPS?

​Generally, if you transfer to an overseas pension that it not a QROPS, the transfer will be seen as an 'unauthorised payment' which can incur a tax charge of up to 55%, in addition to other potential penalties. Never move your pension fund without full consideration - many scams exist in the UK and people have lost their pension balances and found themselves with tax bills to pay for the unauthorised payment they initially received. Pension schemes and insurance companies will undertake due diligence to try and eradicate this risk, but scammers can be very clever with documentation and when answering questions

How Do I Choose A QROPS, and Which One Is Best

How Do I Choose A QROPS, and Which One Is Best?

There are many options when it comes to recognised overseas pension schemes. Generally, the best approach to find the most suitable is to consider the following:
 
Step 1: Understand the Investment options - is the fund growth-focused (the riskiest, as they invest in shares), balanced funds (mixing share investments with less risky term deposits and cash etc.) or conservative (even lower risk, with usually around 80% of the money invested in bank deposits and fixed-interest bonds). Do they offer specific investment fund options, such as funds invested with an ESG remit, global equities, Australasian equities for example where you can chose your own investment mix; do they offer passive or active funds management, perhaps they offer both?
 
Step 2: Understand whether the scheme is taxed under the PIE, Variable Rate PIE or Widely Held Share scheme tax rules- if it’s a PIE scheme the fund will be taxed using your PIR.  If Variable Rate you could qualify for a 0% tax rate for a period of time.  If Widely Held then regardless of your PIR or personal marginal income tax band the taxable returns will be taxed at 28%.  In all cases permitted fees incurred can be offset against the tax liability
​
Step 3: Understand what happens to your money when it arrives- If the QROPS only offers $ denominated investments then your money will be converted on the day it arrives. Meaning it’s a single transaction that in hindsight could turn out to be good, bad or just indifferent.  If the scheme offers both £ Sterling and $ denominated investments it will be up to you decide which currency you invest in.  If you are using a financial adviser they will be able to provide advice on this matter, but bear in mind the £Sterling and $ cross is one of Sterling’s most volatile pairings
 
Step 4: Understand the fees - all QROPS funds charge management fees, usually in a dollar amount and/or a percentage of your investment’s value. Either way, the lower the fees, the better off you’ll be in retirement (if returns are equal among providers).
 
Step 5: Evaluate the Performance - you can only compare funds in the same categories; for example, it’s pointless to compare the performance of a growth fund with a conservative fund – they invest in entirely different things. To get an idea of the best-performing funds, shortlist some funds and ask for the most recent financial results (or look online).  But extreme care needs to be taken, there may be reasons why one fund has outperformed another, perhaps the fund took an aggressive stance with its allocation to growth investments that paid off over the period.  Regardless past performance is no guarantee of future performance and the value of units in an investment fund can fall as well as rise and isn’t guaranteed.  This is where a financial adviser can add real value

Step 6: Quiz the adviser.  How much do they actually know about UK pensions?  Merely transferring money for X years for other clients doesn’t necessarily imply any knowledge, just form filling ability.  Remember this may well be an irrevocable decision.  

UK Pension Transfer to NZ - Relevant Points

Other Relevant Points To Consider Before Making a Final Decision​

  • Transferring your UK pension isn’t as straightforward as it seems, and there’s a lot to consider. You may even decide the best option for your circumstances is not to transfer your pension even after moving to New Zealand
  • If it isn’t right to transfer the benefits this year, that shouldn’t be the end of the issue, it is worthwhile reconsidering every year because individual circumstances change
  • We’ve itemised six must-know facts below to help you navigate the process while being better informed.
  • Whatever you decide, there will be advantages and disadvantages, and in many cases, it’s a significant financial decision. For this reason, it’s important to consider taking expert financial and tax advice.
  • ​The UK has extensive protection for consumers ranging from requiring financial advisers to hold insurance to reimburse clients where they have erred and the error has caused financial loss, to the Financial Services Compensation Scheme which offers cover of up to £85,000 per investment or 100% of any annuity instalments if a provider goes bankrupt, and the Pension Protection Fund which offers very significant protection to members of defined benefit schemes whose employer has ceased trading and there are insufficient assets in the pension fund to meet everyone’s accrued entitlement. The UK also offers access to two ombudsman services, who can make financial awards and even order a pension scheme to reinstate your benefits if their due diligence is deemed inadequate and you are scammed out of your pension fund. New Zealand currently has few protections.

UK Pension Transfer to NZ - Must-Know Facts

UK To New Zealand Pension Transfers - Must-Know Facts

UK Pension Transfer to NZ - Must-Know Facts

Transferring the pension could mean you relinquish other benefits

Some UK pension schemes provide additional features such as spouse and/ or dependent pensions, inflation-linked increases and other benefits such as a funeral expenses grants. If you transfer the money to New Zealand these add-ons will be lost.
UK Pension Transfer to NZ - Must-Know Facts

Exchange rates significantly affect the amount of money you’ll receive

With the effects of BREXIT and the relatively strong NZD:GBP exchange rate, you may transfer your pension balance when it’s less favourable to do so. For example, a £50,000 pension balance is worth $100,000 with a 0.50 NZD:GBP rate, but at 0.40 the balance jumps to $125,000. 
UK Pension Transfer to NZ - Must-Know Facts

Pension terms and benefits vary between New Zealand and the UK

The UK is very pension benefit-focused, which can be financially rewarding to many people in their retirement. Your expected annual pension in the UK may be significantly more than what you’ll receive in New Zealand. In such cases, you may be in a worse financial situation by transferring to New Zealand.
UK Pension Transfer to NZ - Must-Know Facts

Once you transfer, you’ll give up your UK pension benefits

If you transfer your UK pension you’ll give up on attractive terms and conditions like guaranteed annuity rates (they aren’t offered any more).  If you transfer your Defined Benefit Scheme a previous employer won’t allow you to reinstate them, even if you return to the UK.  A new employer is unlikely to offer access to membership of a defined benefit scheme.  Even in circumstance where they do (such as NHS, Teachers and police service) they usually offer a fixed pension at retirement based on the value in your QROPS fund.  It’s highly unlikely the fixed pension will be anywhere near the level of annual pension transferred to New Zealand in the first place, because the original transfer value was a discounted value of the true benefits and tax and charges will have been deducted each year.
UK Pension Transfer to NZ - Must-Know Facts

There are tax implications if you decide to transfer

Transferring pension(s) from the UK to New Zealand can have tax implications. To ensure you’re aware of the liability and when it must be paid, it’s best to consider taking specialist financial and tax advice. If you aren’t entitled to any benefits from the transferred fund you will (currently) have to meet the liability from your own funds.  Of course that could change in the future if New Zealand decides to change its tax rules relating to overseas pension/superannuation transfers.
UK Pension Transfer to NZ - Must-Know Facts

You don’t have to transfer your pension if you leave the UK

If you move to New Zealand, you don’t have to transfer your UK pension. You are able to leave the pension in the UK and draw down on the benefits when you're eligible to. You can manage currency risk (just in case the New Zealand Dollar gains in value against the British Pound) many Foreign Exchange currency dealers will offer a contract offering a fixed exchange rate for the following 12 months which you can accept or decline (for now); in addition they tend to charge considerably less in bank costs to transfer money from the UK to your NZ bank account.
​
The UK online Pensions Dashboard will start offering details of your UK pension scheme via a secure online portal.  This will eventually include all occupational and personal pension schemes as well as your state pension entitlement.  You’ll no longer have the worry of keeping in touch with UK pension schemes or trying to track down each of your pension benefits at a later date, removing a possible reason to transfer to a QROPS.

UK Pension Transfer to NZ - Concluding Comments

Concluding Comments

  • Transferring a UK pension to New Zealand is not straightforward and the decision-making process should not be rushed. 
  • UK personal pension plans are generally considerably cheaper to run than NZ Superannuation Schemes.  The sponsoring employer meets all costs incurred in providing a pension from defined benefit scheme (except bank costs associated with paying the pension to you).
  • If your situation is complicated, and/or if you feel like you need an expert opinion, New Zealand companies such as Booster, Britannia Financial Planning, Craigs, Kiwi Wealth and SuperLife all offer specified UK pension transfer advice. We have no relationship with these companies and link them as examples only.

Related Guides
  • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
  • Managed Funds
  • Investing in New Zealand
  • Our Favourite KiwiSaver Funds
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