Investment returns aren’t just about what you earn—they’re also about what you keep. For clients in Christchurch and South Canterbury, understanding how to structure portfolios for tax efficiency can make a meaningful difference over time.
Whether you hold shares, managed funds, property, or term deposits, the tax treatment of each asset type varies. Strategic planning helps you optimise deductions, minimise liabilities, and improve your after-tax return.
In New Zealand, some investment-related expenses are tax deductible, provided they relate directly to income-producing assets.
These may include:
Note: These deductions must be directly tied to producing taxable income—not capital gains from personal investments like your family home or hobby trading.
This is a frequent question from clients managing larger portfolios through wrap accounts or platforms. In general, custodial fees may be deductible if:
We recommend discussing this with a tax adviser, as Inland Revenue (IRD) scrutiny around expense claims has increased in recent years. We can help you maintain proper records and clarify what is—and isn’t—claimable.
Explore our guide to tax deductions and compliance to learn more.
Many New Zealand investors use Portfolio Investment Entities (PIEs), which offer streamlined tax treatment:
For many Canterbury-based clients, this creates a simple, efficient foundation. But PIEs aren’t suitable for all situations—especially if you need access to capital or wish to control tax timing more precisely.
If you own residential or commercial property for investment purposes, there are a wider range of deductible expenses:
Recent tax law updates—such as the phased removal of interest deductibility on residential property—make this a complex and fast-moving area. We work with property owners to align tax planning with broader investment goals.
Tax planning isn’t about evasion—it’s about being smart, proactive, and compliant. We help clients explore:
Even small adjustments in structure can lead to significant savings over the long term.
Tax should inform your strategy—not dictate it.
You’ve worked hard to grow your wealth—let’s make sure you’re keeping as much of it as possible. With clear guidance, sound structure, and regular reviews, your investment portfolio can work smarter on your behalf.
We’re here to help Canterbury investors navigate the tax landscape with clarity and confidence. Because a tax-smart plan is a resilient plan.