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New here? This is where to begin.

A handful of issues that explain the foundations, plus the tools that back them up. Read these first and the rest of the archive will make a lot more sense.

If you're just starting out

Understand why NZ is different first

Most advice assumes a different tax system. Start with the fundamentals before anything else.

If you're already investing

Check your platform and your exposure

You might already be paying for the wrong platform or carrying currency risk you didn't choose.

If you want the numbers

Run your own situation through the tools

Free calculators built for the NZ tax rules specifically, no spreadsheet required.

Five issues to read first

In order. Each one builds on the last.

01

Why investing from NZ is harder than anyone admits

The starting point. Why the usual advice doesn't translate once you're a NZ tax resident.

02

InvestNow vs Sharesies vs Hatch vs IBKR

A straight comparison of the platforms NZ investors actually use, and which fits which kind of portfolio.

03

FIF tax, explained without the jargon

What the $50,000 threshold actually means and which calculation method applies to you.

04

The currency risk nobody mentions

Holding US assets from NZ means carrying NZD/USD exposure whether you've thought about it or not.

05

Putting it together: a NZ-built portfolio

How the pieces fit once you understand tax, platforms and currency. Not a model portfolio, a framework.

Run your own numbers

Free tools built specifically for NZ tax rules.

Calculator

FIF Tax Calculator

FDR, CV and Cost Method, side by side.

Calculator

PIR / PIE Fund Calculator

Find your correct prescribed investor rate.

Calculator

KiwiSaver Fee Comparison

See what fees actually cost you over time.

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