Most New Zealanders have money sitting in KiwiSaver, savings accounts, or managed funds — without a clear strategy. MapMy Investments reviews your full picture and builds a plan that actually grows your wealth.
Investment strategy isn't just about picking funds. It's about understanding what you own, what it costs, what it's actually returning, and whether it's aligned to your real-life goals.
Fund selection, contribution rate optimisation, provider comparison, and making sure you're in the right fund for your timeline and risk tolerance — not just the default.
We compare managed fund providers, look at underlying holdings, fees, and performance — and recommend a structure that balances growth and risk for your situation.
Where short-term savings fit in your strategy. We help you ladder term deposits, compare rates across providers, and ensure your liquid savings aren't eroded by inflation.
Direct share investment and exchange-traded funds — how they fit alongside managed funds, tax implications in NZ (FIF rules), and how to build diversified exposure cost-effectively.
How property fits alongside your financial portfolio — leverage, yield, equity growth, and when it makes sense relative to other asset classes. See also MapMy Property.
Before picking any investment, we establish your risk profile, time horizon, and goals. The right investment is one that fits your life — not just one that looks good on paper.
Small, consistent contributions made early create enormous outcomes. See for yourself.
The default KiwiSaver fund isn't designed to grow your wealth — it's designed to be acceptable to everyone. If you're more than 10 years from retirement, you're almost certainly better off in a growth fund.
We review your provider, fund type, contribution rate, and employer match — and give you a clear recommendation on what to change and why.
KiwiSaver, savings, term deposits, property, shares — we start by understanding what you already own and how it's performing.
Free reviewWhat are you investing for? House deposit, early retirement, wealth building? We align the strategy to what you're actually trying to achieve — not a generic risk category.
One conversationA written plan covering asset allocation, fund selection, contribution levels, and where to focus next. Includes KiwiSaver recommendations where relevant.
Written & personalMarkets change. Life changes. We check in at least annually to make sure your portfolio is still aligned to your goals and rebalance where needed.
Ongoing partnershipRisk tolerance is a function of both your financial situation (how much you can afford to lose, how long until you need the money) and your emotional tolerance (how you'd actually react to a 20% drop in your portfolio). We assess both through conversation and use a formal risk profiling process. The goal is finding the level that maximises growth while not triggering decisions you'd regret when markets pull back.
Usually yes. While you don't get employer contributions if you're self-employed, you still qualify for the government's member tax credit (currently up to $521/year) if you contribute at least $1,042 annually. KiwiSaver also offers a disciplined savings structure. Whether it should be your primary investment vehicle depends on your other assets — we'll help you decide how much to contribute and what to do alongside it.
KiwiSaver is a managed fund with government and employer incentives — but the money is locked until 65 (with some exceptions). A standard managed fund has no lock-in period and you can invest and withdraw freely. For wealth building beyond KiwiSaver, managed funds and ETFs give you flexibility. We look at both and help you allocate across them in a way that balances incentives, access, and returns.
There's no single right answer — it depends on your income, existing debts, goals, and timeline. A general benchmark is to aim to invest 15–20% of your net income (including KiwiSaver contributions), but this varies significantly by situation. We work backwards from your goals — if you want X by age Y — to tell you what monthly contribution is needed to get there at a realistic return rate.
In NZ, managed funds are taxed through the Portfolio Investment Entity (PIE) regime, which caps your tax rate at 28%. KiwiSaver operates the same way. Direct share investments in NZ companies have no capital gains tax, but dividends are taxed as income. For overseas shares, the Foreign Investment Fund (FIF) rules apply — which can be complex. We factor tax efficiency into all investment recommendations and work alongside your accountant where needed.
A free review of your KiwiSaver, savings, and investment mix — with a clear plan for what to do next.