Investment Help

Investing can be very complicated and costly if not done right. If you are just starting with investment then its going to take a lot of research and help to get up to speed with today’s investment market.

That’s where we come in, we have sourced out information, tips and help with all aspects of investing. All information is free and are updated regularly. Check it out.

Investing in simple terms is putting your money to work for you in order to gain profits in the future. For example, if you have a bank term deposit, or are in KiwiSaver than you are an investor; whereby you have put your money at work and it grow in value and earn income for you in the future. The main aim of any investment is to earn an after- tax return greater than the rate of inflation.

Like any other business, investment involves some risks of loss and at the same time there are chances for you to earn a lot of profit if the investment succeeds. Usually, the higher the return you will get, the more risky that investment is. Therefore it is important for an investor to have his/her investment profile made as this will help them work out the type of investment that will be best for them. It is also good to have a mix of different types of investments to spread the risks. 

Long term investments are the current liability of a company and represent the investments that a company intends to hold for more than a year. Long term investments generally mature in more than ten years of time.

They include stocks, bonds of other companies, debenture, real estate, shares and cash that has been set aside for specific purpose. The investments that you will make under long term investments, it is likely that it may never be sold.  


  • Have lower risk than that of short term investment.

  • Ideal for savings or retirement funds.

  • Potential for high investment returns.

  • Long term investments are available with tax-free returns.


  • It is a slow investment as they increase in value slowly and take years of time to mature.

  • It is not a suitable type of investment for people who want high yield in a short period of time.

  • The investor has less control over his money until the investment matures

  • There are penalties or fines charged for early withdrawal before the end of agreed investment period.

  • There are some risks involved.

Short term investments are the current assets of a company which will mature in, or is held for 12 months or less. All short term investments mature in a short period of time and they include bank savings account, money-market funds, certificates of deposit and treasury bills. Short term investment s is safer but they pay a low rate of interest.

There are different term investment rates available in NZ. You as an investor should look for the Investment rates NZ before you invest in any investment. Interest rates of different NZ companies differ for term investment New Zealand.


  • They are safe because they are guaranteed by the government.

  • Less maturity time therefore you will get back your money in less time.

  • Faster growth.

  • Guaranteed fixed-rate returns.


  • Lower interest rate (like 3-5%)
  • Short term investments may lose its value after inflation.

Durations – means the period of time you want to invest for- either for a short term (1-3 years), medium term (3-10 years) or long term (over 10years). Many investors choose different investments of different durations depending on their need of the investment returns (long term or short term needs).

Returns – decide whether you want an income or growth. If you want to use the money your investment earns as income to live off during the duration of the investment than you should invest in an investment that will guarantee how much money it will earn; like for example a bank deposit whereby you will be paid a fixed amount of interest for a set period.

If you want to reinvest the investment earnings with the original lump sum and allow your money to grow (known as growth) as much as possible than you should consider investments that do not guarantee the return from year to year, such as shares.  

Liquidity – you have to decide if you want to be able to get your money easily before the end of your investment period. High liquidity investments (e.g. bank savings account) are investments where you can get your investment returns anytime. Low liquidity investments (e.g. property investment) are investments where your investments may take time- to find a buyer and complete the sales process

Professionals who can help with Investment