🌱 Beginners

What is a savings account and how much does it pay?

A savings account keeps your money safe and pays interest that changes over time. How the interest, RWT tax and the Depositor Compensation Scheme work — and when an on-call account is enough.

What is compound interest and how does it work?

Compound interest is return on your return — the engine behind long-term saving. Here is the formula, how big a role time plays, and how to use the rule of 72.

Investing in New Zealand: a guide for beginners

From a savings account to KiwiSaver, managed funds, ETFs and shares on the NZX — a step-by-step guide for anyone who wants to start investing in New Zealand from scratch.

What are managed funds and ETFs, and how do you choose?

Growth funds, balanced funds, conservative funds and index funds — how the different types work, what the fee means over time, and how to avoid the expensive options.

Term deposits, savings accounts and bond funds compared

For money that needs to stay safe there are several routes — savings accounts, term deposits and bond funds. How they differ in risk, return, access and tax.