If you are opening an individual or joint account apply online using our digital application forms via our website. 

If you are opening an account under a Company, a Trust or opening a Children’s account apply by downloading our editable PDF application form via our website. 

Not sure which suits you? Drop us a line at hello@thecurveinvestments.co.nz and we’ll sort it together.

You need to be 18 or over, have a NZ bank account, and an IRD number (your tax ID from Inland Revenue). For accounts opened on behalf of a child:

–     Under 16: one parent or guardian signs on their behalf.

–     16–17: the young person signs too, alongside at least one parent or guardian.

Yes. Where you live doesn't stop you investing with us. New Zealand law doesn't say "only people living in NZ can invest" - what matters is where we're legally allowed to offer the fund, not where you personally live or pay tax.

Absolutely. Living overseas doesn't disqualify you. We'll just need to know where you pay tax, because that determines your tax rate on the fund (more on that below) - it doesn't affect whether you can invest.

It affects your tax rate, not your eligibility. Every investor tells us their tax residency, and that sets their PIR (Prescribed Investor Rate) - basically the tax rate applied to your fund earnings. If you're not a NZ tax resident, you'll usually be taxed at the top rate. But again - this is about how much tax you pay, not whether you can invest.

Right now we only pay withdrawals in NZ dollars into a NZ bank account. If that's likely to be awkward for you, it's worth a chat with us before you invest.

Yes - a parent or legal guardian opens and manages the account on the child’s behalf. At least one guardian needs to sign; if both want account access, both sign. When the child turns 18, the account is entirely under their control.

Bank transfer or direct debit - whichever works for you. Our bank account details are in the client portal (your personal online account with us). Your deposit is applied to the next confirmed unit price once your account is set up. Download the direct debit form from our website or inside the client portal. 

A direct debit automatically pulls a set amount from your bank account on a schedule you choose, great for building your investment without thinking about it. Complete a Direct Debit Authority form and email it to hello@thecurveinvestments.co.nz. That’s it.

Absolutely -  increase, reduce, pause, or cancel anytime. Just email us with a few working days’ notice before your next payment date.

Most things - contact details, address, PIR rate (your personal tax rate for the fund), and bank account - can be updated through the client portal. If you get stuck, email hello@thecurveinvestments.co.nz and we’ll help.

We publish a monthly check-in with performance updates and portfolio commentary (a breakdown of what we're holding and how it's tracking) - join our mailing list to get it straight to your inbox. 

You can also check the Disclose Register any time at disclose-register.companiesoffice.govt.nz, the public register run by the NZ Companies Office, where every NZ managed fund offered to everyday (retail) investors must publish its holdings, as required by the FMA (Financial Markets Authority, NZ's financial markets regulator).

One right now, one - The Curve Fund. But we have big plans, and KiwiSaver (NZ’s government-backed retirement savings scheme) is something we’re especially passionate about. Join our mailing list and you’ll be the first to know.

A Product Disclosure Statement (PDS) is the official document every NZ fund must provide - it covers strategy, fees, risk, and how to invest and withdraw. The Curve Fund PDS is on our website and the Disclose Register. The bits worth reading closely: fees, risk rating, and withdrawal terms - but please read it all so you know exactly what you’re investing in.

A SIPO (Statement of Investment Policy and Objectives) is the rulebook for how the fund manager invests your money - what’s allowed, in what proportions, and to what end. It’s monitored by the Statutory Supervisor (an independent watchdog appointed to oversee the fund and protect investors) on your behalf.

Fees are an annual percentage of your investment, deducted directly from the fund’s value - so the return you see is already after fees. No separate invoices. Full details are in the PDS. 

Worth reading carefully, because fees reduce your return, they mount up over time, and you have to be satisfied you are getting value for the fees you pay. 

Funds are rated 1–7.  Lower means steadier, higher means more movement but potentially stronger long-term growth. It’s not a score, it’s a fit guide. 

The right rating for you depends on your timeframe and how you feel about short-term fluctuations (ups and downs in value).

Funds get their risk rating from a formula set out in the Financial Markets Conduct Regulations, and every NZ managed fund uses the same one. It measures how much a fund's returns have moved around week to week over the past five years — the more movement, the higher the number. A brand-new fund without its own track record uses the returns of a relevant market index instead, then blends in its own returns as history builds (e.g. after two years, the rating is based on two years of fund returns and three years of index returns).

Ratings can shift a little from update to update, and they measure past ups and downs — not every type of risk."

A PIE (Portfolio Investment Entity) fund taxes your returns inside the fund at your PIR rate (prescribed investor rate), your personal tax rate for investments - capped at 28% - rather than your regular income tax rate. 

For higher-income earners, that’s a meaningful saving. The Curve Fund is a PIE fund.

The Curve Fund is a PIE (portfolio investment entity), so your returns are taxed at your PIR (prescribed investor rate) instead of your personal income tax rate. If your income tax rate is 33% or 39%, a PIE fund means your investment returns are taxed at a lower rate - a meaningful saving. 

If your income tax rate is already 10.5% or 17.5%, the PIE cap doesn't change much for you. 

Either way, setting the right PIR matters: too low and you may owe tax at year end, too high and you're overpaying. You can check your rate with IRD's PIR tool and update it with us anytime. www.ird.gov.nz  As long as your PIR is right, PIE tax is a final tax - it doesn't need to go in a personal tax return. 

One heads-up: if you get Working for Families or have a student loan, PIE income from funds like ours does count towards those calculations, and you'll need to declare it to IRD as an income adjustment.

We're not tax professionals, and this is general information only - it doesn't take your personal circumstances into account. For advice specific to your situation, please talk to a tax professional.

PIE tax is paid from your returns. You don’t have to do anything. If you redeem (withdraw) from the fund, PIE tax is calculated and settled at that point - along with any fees. If you stay invested, it is paid at the end of the financial year.

Your Prescribed Investor Rate (PIR) is 10.5%, 17.5%, or 28% - the tax rate applied to your investment returns inside a PIE fund. It's based on your income in either of the last two tax years (you can use whichever gives you the lower rate). 

Getting it right matters - too low and you may owe tax at year end, too high and you're overpaying. Work out yours with IRD's PIR tool.

We're not tax professionals, and this is general information only - it doesn't take your personal circumstances into account. For advice specific to your situation, please talk to a tax professional.

This is important. We recommend a minimum time frame of five years for being invested in the fund, because we believe the fund will achieve its risk and return objective over that period (and our confidence increases over longer periods). But you, as an investor, also have a timeframe. 

This is how long you pIan to stay invested and it depends on your objective. Typically, longer is better as there is more opportunity for compounding, where your returns start to earn returns. 

But if you have a shorter-term objective, then our timeframe may not match yours. Not sure? A licensed financial advisor can help.

For an equities fund, diversification involves spreading your money across many companies, sectors, and countries so no single bad outcome can sink your returns. It’s one of the most basic principles of investing and one of the best reasons to use a managed fund rather than putting everything into one place.

A managed fund means a professional invests on your behalf across a diversified range of assets (shares, bonds, property, and more). Investing directly means you pick your own stocks - more control, but more time and knowledge required. Neither is wrong; it depends on what you’re after. 

Compounding is when your returns start earning their own returns. 

Simply to illustrate how the maths works, say you invest $1,000 and earn 10% - you now have $1,100. Next year, you again get 10% on your $1,100, not just your original $1,000. The year after, it applies to $1,210. 

And so on. It sounds small early on, but over years and decades it becomes genuinely powerful - your money is essentially working for you while you sleep. It’s why starting early matters more than starting with a lot.

An actively managed fund has a portfolio manager (or team) making deliberate decisions about what to buy, sell, and hold - with the goal of outperforming the market. 

A passively managed fund (often called an index fund) simply tracks a market index (a set list of companies, like the top 500 US companies) automatically, with no attempt to beat it - just match it. 

Active management typically means higher fees but the potential for stronger returns. Passive management means lower fees and predictable, market-matching performance. The Curve Fund is actively managed.

Both are ways to invest in a diversified basket of assets, but they work a little differently. 

An ETF (Exchange Traded Fund) is bought and sold on a stock exchange, just like a share, at a live price throughout the trading day. 

A managed fund (like The Curve Fund) is invested in and redeemed at a unit price confirmed at the end of each business day, not traded on an exchange. 

ETFs are usually passively managed and have lower fees; managed funds are often actively managed and may offer more hands-on portfolio decisions. Both are legitimate, it comes down to what you’re looking for.

A redemption is when you withdraw part or all of your investment from the fund. Fees and PIE tax are reconciled (calculated and settled) at the time of redemption so what you receive is your net return after both.  

Investing involves risk, so your fund will experience market movements and the value of your investment will go up or down depending on fund performance. But your money is held in trust by a licensed Custodian (an independent company whose only job is to hold your money safely), appointed by the Statutory Supervisor. 

It’s legally separated from The Curve Investments’ own assets. So if anything happened to us as a business, your investment would be protected from TCI's creditors, it cannot be used to settle our debts. 

Not constantly. We make the decisions and report performance monthly. For you, an annual check is smart: confirm your PIR is still correct, your goals haven’t shifted, and the fund still fits your timeframe. Your client portal is there whenever you want a look and we genuinely encourage you to stay curious and know what’s happening with your money.

A summary of your account for the tax year (1 April – 31 March): your contributions (deposits), investment returns, fees, and PIE tax paid. We issue it after the tax year ends.

There's nothing you need to do with it. We automatically report your PIE income and tax details to IRD on your behalf, so it's already in their system - you'll see it reflected in your myIR account. Keep the statement for your own records, and your accountant may want a copy. It's also a good moment to check if the PIR on it is still right for you.

A short document we’re required by law to publish every quarter (every three months). It covers fund performance, size, fees, and the top 10 holdings. Available on our website and the Disclose Register.

Through the client portal: balance, transaction history, and performance, whenever you need it. Having trouble logging in or haven’t set it up yet? Email hello@thecurveinvestments.co.nz and we’ll get you sorted.