学会指数投资，从可靠的资料开始 Learn index investing from sources you can trust
面向新西兰、澳洲、美国和华语投资者的免费学习中心：三个国家子站整理了 100+ 投资渠道（平台、券商、基金、退休账户、政府债券、存款、众筹、加密资产），另有 15 篇中英双语原创指南、90+ 官方学习资源和投资计算器。
A free learning hub for investors in New Zealand, Australia, the US and Chinese-speaking communities: three country sub-sites mapping 100+ investment channels (platforms, brokers, funds, retirement accounts, government bonds, deposits, crowdfunding, crypto), plus 15 original bilingual guides, 90+ official learning resources and calculators.
重要提示：本站是教育网站，不是持牌金融服务，不接受投资，也不提供个人化建议。
Important: this is an educational site, not a licensed financial service. It does not take investments or give personal advice.
选择你的国家Choose your country
🇳🇿 新西兰New Zealand
Sharesies、InvestNow、Kernel 等平台，KiwiSaver，基金管理人，NZX，Kiwi Bonds，存款保障，PIE 与 FIF 税务。
Platforms such as Sharesies, InvestNow and Kernel, KiwiSaver, fund managers, the NZX, Kiwi Bonds, deposit protection, PIE and FIF tax.
🇦🇺 澳大利亚Australia
CommSec 等银行券商、低成本交易 app、ETF 平台、智能投顾、超级年金、ASX、政府债券、CGT 与 franking credits。
Bank brokers such as CommSec, low-cost apps, ETF platforms, robo-advice, super, the ASX, government bonds, CGT and franking credits.
🇺🇸 美国United States
Fidelity、Schwab、Vanguard 等券商，智能投顾，401(k)、IRA、HSA，TreasuryDirect，FDIC 与 SIPC，资本利得税。
Brokers such as Fidelity, Schwab and Vanguard, robo-advisers, 401(k), IRA, HSA, TreasuryDirect, FDIC and SIPC, capital gains tax.
从这里开始Start here
站点结构What's on the site
📘 学习指南Guides
15 篇原创指南：S&P 500、ETF、费用、风险、税务、KiwiSaver、防骗、ESG、加密资产等，附术语表和书单。
15 original guides — S&P 500, ETFs, fees, risk, tax, KiwiSaver, scams, ESG, crypto and more — plus a glossary and book list.
📚 资源库Library
90+ 免费资源，覆盖新西兰、澳洲、美国、英国、加拿大、香港、新加坡、台湾、中国大陆与全球，可按地区、主题、难度、语言筛选。
90+ free resources across NZ, Australia, the US, UK, Canada, Hong Kong, Singapore, Taiwan, mainland China and global sources — filter by region, topic, level and language.
🧮 计算器Tools
复利、费用拖累对比、新西兰 FIF（FDR / CV）估算。
Compound growth, fee-drag comparison and an NZ FIF (FDR / CV) estimator.