Your family's own investment company — holding shares, crypto, property, and startup stakes at a lower tax rate. We set it up. We run it. You invest.
Chapter one
You earn well. You save. You invest. But every year, New Zealand's tax rules take a bigger bite than they should — charging you tax on money you never actually made, at a higher rate than the big funds pay on the exact same shares.
The gap
Investing on your own
Your Investment Company
On a $300k portfolio earning 8% a year, that 11% gap adds up to over $52,000 across 20 years.
Free calculator
Our tax calculator shows you the exact dollar difference between investing on your own, through a managed fund, or through your own investment company — using your real numbers.
Takes 30 seconds. No login needed.
Get the calculator
Pop in your details and we'll send you the calculator plus a personalised savings estimate.
No spam. Instant access.
Chapter two
Nine reasons your family deserves its own investment company.
Instead of 39%. Same as the big funds — without their fees.
That 11% gap turns into tens of thousands over ten years.
The company is its own separate thing. It sits between you and your investments.
Losses on NZ shares or other income offset future tax bills.
Take money out when you want. You decide when to pay tax.
Pay dividends to family members who pay a lower tax rate.
Shares, crypto, property, startups — all in one place.
Research tools, data, software — these costs reduce your tax.
Gift or transfer shares. Simpler than using a trust.
One company, every investment
Most people start with shares. But as your wealth grows, having one company that holds startup stakes next to index funds — and property next to crypto — makes everything simpler.
One company. One tax return. One place.
US & global shares
ETFs & index funds
Cryptocurrency
Startup stakes
Private shares
Property
NZ shares
Bonds
Other investments
Chapter three
Company registration, tax number, bank account, brokerage. Done in days. You sign a few forms — we handle the rest.
No lawyers. No accountants. No government office queues.
US stocks, ETFs, crypto, NZ shares, property, startup stakes. Your money, your plan, your choices.
No fund manager. No restrictions. No permission needed.
Yearly tax returns, overseas investment tax, company filings, government letters, dividend paperwork. All handled.
Four things a year. All taken care of. You never think about it.
Your year at a glance
Year wraps up
Books closed. Tax worked out.
Tax filed
Tax return sent to IRD.
Yearly filing
Quick company update. 5 min.
Take money out
Whenever you need it.
Four things a year. All handled. The rest of the time, you just invest.
Chapter four
Every option, compared honestly.
| Individual | Trust | Managed Fund | Investment Co. | |
|---|---|---|---|---|
| Tax rate | Up to 39% | 39% | 28% | 28% |
| You pick investments | Yes | Yes | No | Yes |
| Ongoing fees | None | $2–5k/yr | 0.5–1.5% p.a. | Flat fee |
| NZ losses carry forward | Limited | No | No | Yes |
| Share the tax bill | No | Yes | No | Via dividends |
| Protects your assets | None | Strong | Partial | Its own separate thing |
| Hold startup stakes | Yes | Tricky | No | Easy fit |
| Hold property | At 39% | At 39% | No | At 28% |
| Pass money to your kids | Hard | Good | Transfer units | Gift shares |
| Getting started | None | Hard | Easy | We do it for you |
| Paperwork | All on you | Expensive | Fund does it | All handled |
Many families put a trust as the owner of the investment company — you get 28% tax inside, plus the trust keeps everything protected.
Chapter five
Your investment company has been running quietly. You check in when you want — buy, sell, add money. The rest is taken care of.
Because your savings have been growing at 28% tax instead of 39%, you have a lot more. Tens of thousands more.
Your partner gets dividends at her lower rate. Your kids hold shares that grow with them. Losses on NZ investments carry forward to offset future tax.
You didn't become a tax expert. You just made one good decision.
Quick check
Tick what sounds like you. We'll send you a personalised breakdown.
Free assessment
Based on your answers, we'll show you exactly how much this could save your family.
No spam. No pressure. Just the numbers.
Already have a trust?
We set up your investment company
Your trust becomes the owner — your protection stays the same
Investments move into the company at 28% tax
We handle all the paperwork and government notifications
Best of both: 28% tax inside + trust protection on ownership.
We'll map out what moves, what stays, and how much you'll save.
Free. Private. No pressure.
You've worked hard for what you have. Let's make sure more of it keeps working for you.
No lock-in · No percentage fees · No hard sell