Get started
Here's what you need to know to use Smart Investor more effectively.
Investing fundamentals
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1.30Your guide to Smart Investor
Links to youtu.be
Watch an overview of what Smart Investor can do for you.
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Smart Investor FAQs
Here are answers to frequently asked questions about this tool.
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Making your money work
Investing is all about buying things that put money back into your pocket.
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The basics
There are key fundamentals to rely on as you grow your money and reach your goals.
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Investing questions
Here are key questions to consider when deciding where to invest and what to invest in.
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Hits and myths
Links to fma.cwp.govt.nz
There are myths about investing that stop many people from taking part. Mary Holm takes them on in this guide.
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Investor kickstarter
What type of investor are you? See what investment mix might suit and what results you could get.
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Understanding risk
Links to fma.govt.nz
Isn't investing risky? Hunting for returns always brings risks with it, but there are strategies for investing safely. Find out more.
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Kinds of investments
Not all assets are created equal. In fact, many "investments" are not really ones at all.
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How supervisors look after you and your money
Links to youtube.com
Supervisors make sure your fund managers do the right things with your investments.
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Finding investment advice
If you're looking for expert help from a professional adviser, here's where to start.
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Getting the most out of a PDS
Links to fma.govt.nz
Product disclosure statements give you essential information to help you decide whether to invest.
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Investment scams
Links to fma.govt.nz
It can be hard to tell a scam or fraud from a genuine investment opportunity.
Dialling up KiwiSaver
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4:26An on-ramp to KiwiSaver
Links to youtube.com
Just getting started with KiwiSaver investing? Here's an on-ramp to pick up speed.
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KiwiSaver vs other managed funds
A KiwiSaver fund is a kind of managed fund. How do managed funds work? And what's the difference between KiwiSaver and other managed funds?
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KiwiSaver savings calculator
There's a huge amount we can achieve with KiwiSaver, especially with all those contributions going in. Use this tool to estimate how much yours could be worth.
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KiwiSaver fund finder
Links to fundfinder.sorted.org.nz
What type of fund suits you best? For an idea, try these three questions.
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Flipping the thinking on fees
Do you get what you pay for? You might not. With investing, keeping costs down can mean better results. But not always.
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KiwiSaver fees calculator
Fees add up to thousands! Compare how much you are likely to be charged in KiwiSaver up to age 65.
Explore managed funds
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5:31Introducing managed funds
Links to youtube.com
Here's a quick overview of funds where your money is pooled and invested by professionals.
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A managed funds guide
There are benefits and risks of having fund managers invest for you.
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Funds for everyone
Links to fma.cwp.govt.nz
Here's a guide to choosing, buying and monitoring managed funds and ETFs.
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Managed funds
Definition
A pool of investors’ money invested by one or more fund managers. A KiwiSaver scheme is a type of managed fund.
Here's more on the basics of managed funds.
sorted.org.nz/managed-funds -
Understanding managed funds
Links to fma.govt.nz
These schemes enable you to invest in different types of assets, even if you don’t know much about investing.
Looking into shares
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Introducing shares
Invest in part of a company and "share" in the profits.
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3:35Investing in the sharemarket
Links to youtube.com
What does it mean to be a shareholder?
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Share this!
Links to fma.cwp.govt.nz
Here are the nuts and bolts of choosing, buying, owning and selling shares.
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Shares and risk
Links to fma.govt.nz
Shares are riskier than other types of investments such as bonds and cash investments. If you own shares, you’re not guaranteed a return or capital gain, but they potentially offer a higher return, particularly over the long term.
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Shares
Definition
A kind of investment that gives part ownership in a company and can bring returns from profits shared by the company (dividends) or from selling the shares for more than you paid. Shares are growth assets and are also known as equities or stock.
The word on bonds
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3:24Introducing bonds
Links to youtube.com
Learn about the world of bonds and other "debt securities".
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How bonds work
There are both risks and returns with "fixed interest" investments.
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More about bonds
Links to fma.govt.nz
Bonds generally offer more stable returns and lower risks than investments such as property or shares. But some bonds are riskier than others.
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Bonds
Definition
A kind of investment that is effectively a loan made to a government or a company which they (as borrower) promise to pay back in full on a specific date, paying regular interest at a fixed or agreed rate until then. For example, a city may sell bonds to raise money to build a bridge.
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Bond voyage
Links to fma.govt.nz
Read about choosing, buying and owning bonds.
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Alphabet soup: know your credit ratings
Links to rbnz.govt.nz
The Reserve Bank maps the three scales used by the rating agencies.
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How to use credit ratings
Links to fma.govt.nz
Credit ratings can help you gauge whether your investment in bonds will pay and if you'll get your money back.
