KiwiSaver Tax Explained: Why timing matters more than you think

Article written by Jason Choy, InvestNow Senior Portfolio Manager – May 2026

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 applies to KiwiSaver. The second is how investment earnings are taxed each year, particularly for […]

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 of questions about how KiwiSaver is taxed, the most common misconceptions, and what could make the biggest difference to long-term outcomes.

Greg Smith,
Investment […]

$3 billion invested – what it means for investors

Article written by Mike Heath, InvestNow, General Manager – April 2026

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 what they value in a platform like InvestNow.

Built on trust

Around 40,000 New Zealanders manage their investment […]

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, we asked investment managers a series of stage‑based questions about how crises typically evolve, what matters at each point, and how long‑term investors can avoid reactionary decisions when […]

The Anatomy of a Crisis

Article written by Jason Choy, InvestNow, Senior Portfolio Manager – April 2026

Why every crisis feels different – but often follows a familiar path

Every market crisis feels unique in the moment. The headlines are alarming, the causes feel unprecedented, and the uncertainty can make even experienced Kiwi investors wonder whether “this time is different”.

Yet history tells us something important: while the trigger of each crisis differs, the sequence often rhymes.

By looking back at major crises like the Global Financial Crisis, the COVID-19 pandemic, and now […]

Gold and your Portfolio: What Kiwi investors should know in 2026

Article written by Jason Choy, InvestNow, Senior Portfolio Manager – March 2026

For thousands of years, gold has been a trusted store of value through wars, inflation, and financial panics. That reputation hasn’t dimmed in modern markets – if anything, it’s been reinforced over the last 12 months. With geopolitical tensions elevated – investors are increasingly interested in the precious metal and its role as a potential “safe haven” when uncertainty spikes.

In this article, we’ll look at how gold […]

Navigating Market Volatility: How Kiwi Investors Can Think About Risk and Safe‑Haven Assets

Each month, InvestNow invites our investment managers to share their thoughts on our monthly theme. This month, we’ve asked AMP and Fisher Funds to discuss navigating market volatility – specifically, how Kiwi investors can think about risk and the role of safe‑haven assets during uncertain times. Below, they offer their insights on the key risks, opportunities, and portfolio considerations shaping today’s environment.

Katrina Kruger CFA
Senior […]

Investor sentiment survey

This article originally appeared in the Autumn 2026 issue of Informed Investor Magazine.

Joanna Mathers takes a deep dive into the results of the Informed Investor sentiment survey (powered by InvestNow) and discovers a cohort that’s cautiously optimistic, despite the tumult of the wider world.

In 2025, international geopolitics was the key concern for the investors who took part in the Informed Investor sentiment survey (powered by InvestNow). War, United States’ vituperative attacks on the established global order, the spectre of climate crisis and talk of an […]

Account safety & security

Article written by InvestNow – February 2026

At InvestNow, the safety and security of our client’s investments is our top priority.

Technology

There are several layers of protection which minimise the risk of anyone being able to access your account without authorisation.

For the platform, supplied by our custodian Adminis, all data is stored in encrypted disks and servers and requires Multi Factor Authentication (MFA) to access all systems. User permissions and access levels are regularly […]

Investing in (or close to) retirement

Article written by Jason Choy, InvestNow, Senior Portfolio Manager – January 2026

A lot of the conversation around investing focuses on building up a sufficient nest egg for retirement. But what about when you’re already there? What about when you’re within touching distance?

It’s one of the least discussed parts of investing, yet arguably one of the most important.

Just because you’re a certain age, it doesn’t necessarily mean you need to do a 180 on your […]