All articles — free to read
Why investing from NZ is harder than anyone admits
Currency risk, FIF tax, platform limitations — the real picture nobody writes about. Why almost all personal finance content is written for Americans and what that means for NZ investors.
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The NZ investor's guide to PIE fund platforms: InvestNow and Kernel
Why NZ-domiciled PIE funds handle FIF internally, what that means for your tax position, and how to choose between the two platforms that do this best.
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The direct investing platforms: Sharesies, Hatch, Stake and Interactive Brokers
When PIE funds are not enough. How the direct investing platforms work, what FIF means for each of them, and which one suits your situation.
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All six NZ investment platforms compared: the table, the trade-offs, and which combination makes sense
Three weeks of platform analysis brought together. How InvestNow, Kernel, Sharesies, Hatch, Stake and Interactive Brokers stack up, and six investor scenarios mapped to platform combinations.
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Portfolio construction for NZ investors: what to actually put in it
Asset allocation, the NZ home bias problem, and how to think about the split between local and global. Why holding only NZ equities is not a conservative strategy.
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KiwiSaver strategy: fund selection, active vs passive, and how it fits your broader portfolio
The three most common KiwiSaver mistakes, the active vs passive debate with NZ data, and why KiwiSaver should be considered as part of your total portfolio rather than separately.
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Currency strategy for NZ investors: hedged vs unhedged and how to make a deliberate choice
The maths on hedging costs over 20 and 30 years, the case for and against hedging, how the major NZ fund providers approach currency differently, and a decision framework by horizon.
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What the current NZ economic environment means for your portfolio
OCR at 2.25% and heading higher, inflation back in band, recovery real but uneven. What the current environment means for each asset class and three things worth reviewing now.
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