New Zealand investing explained — from your first $100 to a diversified multi-asset portfolio. All guides are written for NZ investors with NZ-specific tax rules (PIE, FIF, PIR), NZ platforms, and NZD amounts.
Key Facts: Investing in NZ (2026)
| Topic | Key fact |
|---|---|
| PIR rates (PIE funds) | 10.5% / 17.5% / 28% (based on income) |
| FIF threshold (overseas shares) | $50,000 NZD cost price |
| KiwiSaver government top-up | $521.43/year (requires $1,042.86 contributions) |
| Cheapest NZ index fund | Simplicity (0.10%) |
| Best platform (beginners) | Kernel or InvestNow |
| Crown Deposit Guarantee | $100,000/depositor/institution |
Getting Started
New to investing? Start here.
- PIR Rate NZ — What Rate Are You?
- FIF Tax NZ — How Overseas Investments Are Taxed
- How Much Do I Need to Start Investing?
- Investment Fees NZ — What You’re Really Paying
- Investment Risk NZ — Understanding Your Risk Tolerance
- Platform Protection NZ — Is Your Money Safe?
- How Much Should I Invest Each Month?
Calculators
Platform Reviews
Compare every major NZ investing platform.
- Best Investing Platform NZ 2026 — overall winner
- Best Platform for Beginners
- Best Platform for ETFs NZ
- Best Platform for US Stocks
- Sharesies Review 2026
- InvestNow Review 2026
- Kernel Review 2026
- Simplicity NZ Review
- Hatch Review 2026
- Stake NZ Review 2026
- Tiger Brokers NZ Review
- Interactive Brokers NZ Review
- Sharesight Review — Portfolio Tracking
- Portfolio Tracker Comparison NZ
- Sharesies vs Kernel
- Sharesies vs Stake NZ
- Kernel vs InvestNow
Strategy Guides
How to build and manage your portfolio.
- One-Fund Portfolio NZ
- Two-Fund Portfolio NZ
- Three-Fund Portfolio NZ
- Asset Allocation NZ
- Building an Investment Portfolio NZ
- Dollar-Cost Averaging NZ
- Lump Sum Investing NZ
- Lump Sum vs DCA NZ
- S&P 500 Investing from NZ
- Rebalancing Your Portfolio NZ
- When to Sell Investments NZ
- Passive vs Active Investing NZ
- Ethical Investing NZ
- Dividend Investing NZ
- KiwiSaver vs ETF — Where to Put Extra Money
- Currency Hedged vs Unhedged Funds NZ
- Property vs Shares NZ
- FIRE Movement NZ — Financial Independence
- Investing for Children NZ
- Best NZX Stocks NZ 2026
- How Much Should I Invest Each Month?
- How much to invest: How to invest $500 · $1,000 · $5,000 · $10,000 · $50,000 · $100,000
Asset Classes
Understand what you’re investing in.
- Index Funds NZ — Complete Guide
- PIE Funds NZ — Tax-Efficient Investing
- ETF vs Managed Fund NZ
- NZX 50 and NZ Shares
- International ETFs for NZ Investors
- Managed Funds NZ Guide
- NZ vs International Shares — How Much NZ to Hold?
- NZ Government Bonds — How to Invest
- International Bonds for NZ Investors
- NZ REITs — Listed Property Companies
- Gold Investing NZ
Term Deposits
Low-risk fixed returns for short-to-medium term savings.
- Term Deposit Ladder NZ
- Breaking a Term Deposit Early NZ
- Short vs Long Term Deposits NZ
- Term Deposits for Retirees NZ
Property Investment
Rental properties, tax, and whether property still makes sense.
- Is Property Investment Worth It in NZ?
- How to Buy an Investment Property NZ
- Rental Cash Flow NZ — Does Your Property Make Money?
- Rental Yield NZ
- Investment Property Mortgage NZ
- Interest Deductibility for NZ Landlords
- Bright-Line Test NZ
- LVR Rules for Investors NZ
- Rental Property Tax NZ
- Depreciation on Rental Property NZ
- Negative Gearing NZ
Cryptocurrency
Crypto investing with NZ-specific tax and platform guidance.
- Crypto Investing NZ — Complete Guide
- How to Buy Bitcoin NZ
- Crypto Tax NZ — IRD Rules
- Best Crypto Exchange NZ 2026
- Crypto Security NZ — Hardware Wallets