Economics · Full roadmap · ~95 min read · 27 steps
📈Investing (Aotearoa NZ)
Grow your money over decades, the Kiwi way
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Unit 1
Start here
Course overview
Why your savings shrink while you sleep
Inflation quietly eats cash
Saving and investing are not the same thing
Two different jobs for your money
Compounding, the reason to start early
Growth that grows on itself
Risk and return are joined at the hip
No free lunch
Unit 2
KiwiSaver, where most Kiwis already invest
A retirement scheme you are probably already in
How much goes into KiwiSaver
Contribution rates and the employer match
The government contribution, and not leaving it on the table
Put in enough to grab the free top-up
Choosing your KiwiSaver fund type
Defensive to aggressive, matched to your timeline
What a share actually is
A tiny slice of a real company
Unit 3
What a bond actually is
You are the lender, not the owner
The problem of picking, and the index idea
Owning the whole market at once
Index funds and ETFs
The simplest way to own the market
Diversification, the only free lunch
Don't bet on one horse
Fees, and why a 1 percent fee is huge
Small fees, enormous bite
Unit 4
How NZ taxes your investments, part one: PIE funds and PIRs
A tax wrapper that caps your rate
How NZ taxes your investments, part two: dividends, FIF, and no capital gains tax
Imputation credits, the FIF rules, and the bright-line test
NZ platforms and products
Where Kiwis actually buy investments
Dollar-cost averaging
Invest on a schedule, not on a hunch
Asset allocation and your time horizon
The share-to-bond mix is the big decision
Unit 5
First-home withdrawal and the behavioural traps
KiwiSaver for a house, and the mistakes that cost the most
Why timing the market wrecks people
Time in the market beats timing the market
Do this before you invest a cent
Emergency fund and high-interest debt come first
The compounding maths, with real numbers
See why starting early wins so hard
A simple starter plan
Boring, automatic, and good enough
Unit 6
Putting it all together
What you now know
Where to go next
Where to go next