Economics · Full roadmap · ~95 min read · 27 steps

📈Investing (Aotearoa NZ)

Grow your money over decades, the Kiwi way

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Learning path

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Start here

Why your savings shrink while you sleep

Saving and investing are not the same thing

Compounding, the reason to start early

Risk and return are joined at the hip

KiwiSaver, where most Kiwis already invest

How much goes into KiwiSaver

The government contribution, and not leaving it on the table

Choosing your KiwiSaver fund type

What a share actually is

What a bond actually is

The problem of picking, and the index idea

Index funds and ETFs

Diversification, the only free lunch

Fees, and why a 1 percent fee is huge

How NZ taxes your investments, part one: PIE funds and PIRs

How NZ taxes your investments, part two: dividends, FIF, and no capital gains tax

NZ platforms and products

Dollar-cost averaging

Asset allocation and your time horizon

First-home withdrawal and the behavioural traps

Why timing the market wrecks people

Do this before you invest a cent

The compounding maths, with real numbers

A simple starter plan

Putting it all together

Where to go next

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