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Many New Zealanders who accumulate wealth have traditionally followed a set path: build up some assets, find a wealth manager or investment broker, and have them oversee a portfolio that grows and sets you up for life. But in 2026, that model is changing. Looking at our InvestNow customer and portfolio demographics, we’re increasingly seeing…

Exchange Traded Funds, or ETFs, have changed the way everyday investors can access investment markets. With one investment, an ETF can give you access to hundreds of companies around the world, a particular market such as New Zealand or the US, bonds, gold, or even assets such as Bitcoin. Many ETFs do this by tracking…

As an investor, one of the big decisions you'll make is whether your money is managed actively or passively. Maybe that decision is one you're making yourself. Maybe it's being made on your behalf through a fund you've invested in without giving much thought to the underlying approach. Either way, it’s important to understand the…

Successful long-term investing is as much about managing emotions as it is about managing finance. Equity funds tend to achieve their returns in waves. They have upswings and downswings, but over the long-term equity markets have a strong track record of positive returns. We liken it to the waves on a beach with an incoming…

For many Kiwis, buying a home is the biggest financial decision you’ll ever make. It's also likely to be one of the largest financial exposures you’ll have to the New Zealand economy. Think about it. Your income is tied to the New Zealand economy. Your house is tied to the New Zealand property market. Your…

In Part 1 of this series, we explored why India deserves consideration as a long-term investment destination. A young and growing population, rising household incomes, digitalisation, infrastructure development, financial inclusion and a rapidly expanding corporate sector have contributed to India's long-term economic growth. The next question is equally important: how might New Zealand investors choose…

2026 is shaping up to be the year of the mega IPO. SpaceX has now entered public markets, with its first day of trading valuing the company at over $2 trillion USD. Both OpenAI and Anthropic have also confidentially filed paperwork for their own listings this year, which based off their latest private capital raises,…

For many New Zealand investors, investing in global equities usually means exposure to Australia, the United States, Europe, and perhaps other developed markets. Yet one of the world’s notable long-term growth markets, India, is often either missing or underrepresented in portfolios. This is the first of a two-part series. Part 1 explores why India is…

Most New Zealanders know KiwiSaver is taxed. Tax is a standard part of investing, but how it’s applied within KiwiSaver – and how it can shape long-term outcomes – isn’t always widely understood Two features of New Zealand’s retirement system are particularly important in this regard. The first is the overall Taxed–Taxed–Exempt (TTE) structure that…

What You Might Not Realise About KiwiSaver Tax KiwiSaver tax is often out of sight, which can make it easy to misunderstand or overlook. While it might feel complex, it follows a consistent framework that shapes how your savings grow over time. To help bring this to life, we asked Generate and Smart a series…

InvestNow has surpassed $3 billion in funds invested – a significant milestone that reflects the growing number of New Zealanders choosing to use the InvestNow platform to manage their investments, for their desired financial futures. But beyond the number itself, we think it points to something more important: how Kiwis are choosing to invest, and…

How Investment Managers Think During a Market Crisis When markets are volatile and costs are rising, it can feel like this time is completely different. But history shows that while the causes of crises change, the way they unfold often follows a familiar pattern. To help investors make sense of what’s happening beneath the headlines,…