Smart Investment Strategies for Kiwis: Maximizing Returns in New Zealand

Investments are a smart way to grow your wealth and save for milestones like buying a house or building a retirement plan. When searching for the best investments in NZ, it’s vital that you stay diligent while empowering yourself with knowledge and professional help. 

What To Do Before You Start Investing

Before you do anything, it’s best to analyse your situation and determine the path you want to be on. The smartest way to do this is to work with a professional financial adviser. Regardless of whether you’re new to investing or you’ve been building your wealth through investments for years, having professional help and an unbiased opinion is invaluable. 

Search for a financial adviser who can offer you help that’s tailored to your particular needs and financial situation. Once you’ve found a good financial expert, be sure you discuss the following:

  • How Are Your Finances? First, discuss your finances in general. How are you doing? Do you have any concerns? How much are you willing to invest? How long do you want to invest, and when do you want to get your money?

  • What Are Your Investment Goals? Highlight your primary reason for searching for the best investments in NZ. Are you trying to reach a goal, like funding your children’s education? Or, perhaps you simply want to passively grow your wealth? 

  • What Is Your Risk Tolerance? How much risk are you willing to put up with? Risk management helps you mitigate risk, reducing the potential of lost profits. Understanding your risk tolerance is important because there are high-risk and low-risk investment types. High-risk options generally have more potential for higher returns, but they also have an increased chance of fluctuating. Conversely, lower-risk investments don’t have as much earning potential, but they are more stable. 


Remember to stay honest when you discuss your finances with your financial adviser. Their help is based on what you share, so leaving out details could make their services less useful. 

Best NZ Investment Strategies To Explore With Your Financial Adviser

Once you and your financial adviser have a good idea of your finances, goals and risk tolerance, you can then start to explore investment strategies:

Start Now With Small, Measured Steps. If you’re new to investments, you shouldn’t dive into anything serious right away. Instead, take a calculated approach and start with something smaller and safer to test the waters. 

Talk to your financial adviser about beginner-friendly investment options that suit you. Once you’re more experienced and have more money to invest, you can then explore more significant options. 

Diversify Your Portfolio. One key rule of investing is diversifying portfolios. This essentially means don’t put all of your eggs in one basket. Diversifying your portfolio involves spreading your money across different types of investments, sectors, etc. This reduces the chance that a single risk will devastate your returns. The more you grow your portfolio, the more diversification you should look into. 

For instance, if you only invest in one sector, then one crash could have a massive effect on your wealth. But, if you invest in several different markets, then one market falling won’t have as much of an effect.

Invest In Property. NZ investors looking for the best investments in the region often look at investment property. 

This involves buying residential or commercial properties that you then rent out to tenants. Remember that there’s more to property investments than simply buying a property - you must also consider ongoing maintenance costs, property management and laws regarding property ownership. 

Buying an investment property can be a significant financial commitment, but your property can translate to long-term passive income. 

Consider The Stock Market. Talk to your financial adviser about the best stock market investments in NZ. Think about EFTs, index funds, etc. 

There are plenty of platforms that can help you invest in stock online. Explore these options with your financial adviser. 

Maximise Your KiwiSaver. KiwiSaver is a powerful, beginner-friendly way for Kiwis to save money. Review your fund type with your adviser and look at potential changes you could make to improve your returns. 

KiwiSaver is good for starting small and slowly growing over time, and it’s an accessible option for all kinds of investors. 

Ask About Compounding Interest And Long-Term Investments. Compound interest is a fantastic way for people to steadily increase their wealth over time. Compound interest is where you earn interest on your initial investment and the interest you earn on that investment. 

Exploring The Best Investments In NZ With Future Wealth

Finances can be complex; don’t handle them alone. We at Future Wealth are here to support you throughout your journey involving KiwiSaver, investments and so much more.


You can call us on 027 628 8010 or use our site to book your free chat now.


Set yourself up for a prosperous future with Future Wealth.

Matt Golding