It's easy to start with Tempo. You can download Tempo from the Apple App Store or Google Play Store.

Set up your money goal and we’ll estimate how long it’ll take you to achieve that goal, based on the total you’re aiming for and how much you plan to invest. You'll need your ID, your own NZ bank account, and IRD number handy to get set up.

There’s no minimum amount to start investing. For the best experience, make sure your contribution amount matches what you’ve set up in the app, and update your goal in the app if things change.

Our fee is 0.85% per annum and covers all the features, benefits and services you get from the app, including our financial advice. It also includes supervisory, custody and administration fees. This fee is calculated daily and reflected in the value of your investments.

Each fund invests into an underlying fund. An additional fund fee is charged by the fund manager that the funds invest into.

Tempo doesn’t clip the ticket when you buy or sell investments, meaning we don’t charge you any transaction fees on the amount that you contribute. However, our funds may apply a buy/sell spread when markets are more volatile than usual. For more on fees, read the Forsyth Barr Funds Product Disclosure Statement (PDS).


Read more about our pricing

We help you set an investing goal and estimate how long it’ll take you to achieve that goal, based on the total you’re aiming for and how much you plan to invest. You can edit those amounts at any time. Based on the time we estimate it’ll take to achieve your goal, and on your investor type, we then recommend a mix of funds to achieve your goal.

If things change – as they often do – we recommend updating your investments. This keeps your investments working best for your money goal.

We don't give advice based on your personal finances though. We don't know your budget, expenses, or other personal finances. You'll need to take these things into account yourself.

Read more about our advice

You’re never locked in. There is always an option to cash in your investments. But keep in mind, the longer you invest, the more time your money has to grow (or recover from dips).

Tempo will only ever send money to your chosen bank account. We are regularly independently tested.

Read more about how we keep your money and data secure

No. Currently, we’re only set up to accept applications from individual investors in New Zealand who are at least 16 years old and not tax resident in any other country.