Migration & Money: When Should Immigrants Start Investing in NZ? Ep.4

Описание: You’ve just immigrated to New Zealand… should you already be thinking about investing?

The cost of living feels high.
You’re rebuilding.
You’re finding your feet.

So when do you actually start investing?

In this episode of the Migration & Money Series, I sit down with:

Ivandee Fitchet from Migrant Financial Services

David Morgan from Forsyth Barr

Together we unpack:

✔️ When immigrants should start investing in NZ
✔️ Short-term vs medium-term vs long-term financial planning
✔️ How much emergency savings you should have
✔️ Saving for a house deposit in New Zealand
✔️ Retirement planning after immigrating later in life
✔️ Investing small amounts vs waiting
✔️ Whether investment can help you get a New Zealand visa
✔️ Why just leaving money in a savings account might be costing you

3 Years In – What Should You Be Doing?

If you’re:

2–3 years into your move

Starting to feel settled

Thinking about buying a home

Planning for university fees

Worried about retirement

This episode is for you.

We break down:

🔹 Short-Term (0–2 years)

Emergency fund (often ~$20,000 depending on family size)

Recovering immigration costs

Stabilising cashflow

🔹 Medium-Term (5–10 years)

House deposit planning

Structured investing beyond savings accounts

Education planning

🔹 Long-Term (Retirement & Legacy)

Mortgage-free by 65

Passive income planning

Investment strategies in NZ

Planning for aging parents

Powerful Takeaways

“Even small regular investments matter.”
“Don’t be scared to ask for advice.”
“Start building the habit early.”

And one bonus reminder — explore New Zealand. You moved here for a reason.

⚠️ Important Disclaimer

This episode is general information only and not personalised financial or immigration advice. Always seek licensed professional guidance for your specific situation.

If you're exploring visa pathways through investment, speak to a licensed immigration adviser.

Recommended advisers:

Desire Lindeque - Network Migration Services

Paul Janssen – Turner Hopkins Immigration


🎧 Listen on Podcast

Available on Spotify, Apple Podcasts, and all major platforms.

⏱️ Chapters

00:00 – Why talk about investing as an immigrant?
02:00 – Meet David Morgan (Forsyth Barr)
06:00 – When should immigrants start investing?
09:00 – Short vs Medium vs Long-Term Planning
14:00 – What if you’re arriving with wealth?
18:00 – Don’t be scared to ask for advice
20:00 – Start small & build habits

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