Investing
Everything about investing in New Zealand: how to start, which platforms and funds to consider, how tax and dollar-cost averaging work, and the honest edge cases. Each section groups related guides and free tools so you can go as deep as you want.
Introduction to Investing
How to start investing in NZ
The honest order of operations: clear expensive debt, build an emergency fund, sort KiwiSaver, then invest extra through low-fee index funds.
Read the guide GuideLow-fee index funds explained
Why the proven default is buying a whole slice of the market with tiny fees, and how to choose between the options.
Read the guide GuideKiwiSaver vs investing outside it
When extra money is better spent topping up KiwiSaver, paying down debt, or opened as its own fund, and the honest trade-offs.
Read the guide CalculatorCompound growth calculator
See what regular contributions, a sensible return and time can turn into, and why consistency does the heavy lifting.
Open the calculatorComing soon: active vs passive investing, dollar-cost averaging, investing mistakes, how wealthy New Zealanders invest, and an investment terms glossary.
Investing Platforms
Lump sum vs dollar-cost averaging
Model whether to put a lump of money in all at once or spread it out, and see which route history suggests.
Open the calculator CalculatorInvestment fees calculator
See what even small fee differences do to your balance over decades, and why fees are the one part you control.
Open the calculatorComing soon: platform-by-platform reviews and a side-by-side comparison of Sharesies, Kernel, Simplicity, Hatch and friends, plus how to invest in US stocks from New Zealand.
Managed Funds, Tax & DIY Investing
Investing and tax in NZ
How PIE funds and FIF rules tax your investments, and what that means for choosing between NZ-focused funds and direct foreign shares.
Read the guide GuideKiwiSaver funds, fees and providers
Pick a fund whose risk matches your timeline, understand fees and providers, and see how choices play out by 65.
Read the guide CalculatorKiwiSaver projection calculator
Model how your fund choice, contribution rate and fees affect your balance at retirement.
Open the calculatorComing soon: managing your own vs managed funds, margin lending explained, and understanding IPOs.