money.financial
money.financial

Saving and banking guides

Explainers for New Zealand, with named sources and checked dates where available.

All 3 guides

Explainer4 min
What a fund update says about returns, and what it does not
Every managed fund lodges a standardised return figure. The standard is real, and the basis it is calculated on is not yours.
Source: Financial Markets Conduct Regulations 2014, Schedule 4, the content of a fund update
Explainer2 min
Depositor Compensation Scheme: what the cover means
The scheme protects eligible deposits if a deposit taker fails, with a limit shared across protected accounts held by the same depositor at that institution.
Source: Reserve Bank of New Zealand Depositor Compensation Scheme · Checked
Explainer2 min
The Official Cash Rate: the decision behind the headline
The OCR is the Reserve Bank’s main monetary policy tool; banks set their own mortgage and deposit rates in response to wider conditions.
Source: Reserve Bank, official cash rate · Checked
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