Investments
Grow your wealth with confidence - tailored investment guidance for individuals, trusts, charities, and not-for-profits.
Investment Returns Calculator
Model how a lump sum or regular contributions could grow over time — ideal for charities, not-for-profits, and individual investors.
Looking for tailored investment advice for your charity, trust, or personal portfolio?
Talk to our teamInvesting with Purpose and Clarity
Whether you’re an individual looking to grow your personal wealth, or a charity seeking to make your reserves work harder, investing wisely is one of the most impactful financial decisions you can make. But navigating the world of investments can feel overwhelming - with thousands of fund options, varying fee structures, and constantly shifting markets.
Moana Financial Services provides straightforward, jargon-free investment advice tailored to your specific goals, risk appetite, and timeframe. We work with individuals, families, trusts, charities, and not-for-profit organisations across New Zealand.
Our Investment Services
For Individuals and Families:
Building a diversified investment portfolio aligned with your goals
Understanding the difference between conservative, balanced, growth, and aggressive strategies
Evaluating managed funds, ETFs, and other investment vehicles
Fee analysis - understanding the true cost of your investments and how fees erode returns over time
Regular portfolio reviews to ensure your strategy remains on track
Tax-efficient investing strategies for New Zealand residents
For Employers, Charities, and Not-for-Profits
Many charities and NFPs hold significant cash reserves that sit in low-interest bank accounts, barely keeping pace with inflation. With the right investment approach, those reserves can be working much harder for your organisation - without taking on inappropriate risk.
Developing or reviewing your organisation’s investment policy
Assessing whether your current reserves are appropriately invested
Balancing liquidity needs with long-term growth opportunities
Ethical and responsible investment screening aligned with your charitable purposes
Reporting frameworks that satisfy your board, funders, and regulatory requirements
Guidance on trust deed and constitutional investment powers
Our Approach to Investment Advice
Understand first. We start by understanding your situation, goals, and constraints - not by recommending products.
Plain language. We explain investment concepts in clear, straightforward terms. No jargon, no complexity for complexity’s sake.
Independence. Our advice is based on what’s right for you, not on commission structures or product quotas.
Long-term thinking. We help you build strategies designed for the long haul, not short-term speculation.
Why Investment Advice Matters for NFPs
Good governance requires that charitable funds are stewarded responsibly. An investment policy isn’t just a nice-to-have - it’s a demonstration of your board’s fiduciary duty. Funders, auditors, and regulators increasingly expect to see evidence that organisations are managing their reserves thoughtfully.
We specialise in helping charities and not-for-profits navigate this space with confidence, ensuring your investment approach is appropriate, compliant, and aligned with your mission.
NFP Investment Policy Health Check
Answer 8 questions to assess whether your charity or not-for-profit has the investment governance it needs — and where the gaps might be.
Want to explore how your funds could work harder?