<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>http://help.investdirect.nz/en/articles/11128485-what-are-your-brokerage-rates</loc>
    <lastmod>2026-04-21T03:56:42Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520607-how-do-i-trade-on-the-unlisted-market</loc>
    <lastmod>2026-04-20T22:39:58Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520608-how-do-i-transfer-existing-shareholdings-on-the-nzx</loc>
    <lastmod>2026-04-20T22:48:22Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520664-why-does-invest-direct-need-to-know-my-employment-and-financial-details</loc>
    <lastmod>2026-04-21T06:13:09Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520668-what-level-of-interest-do-i-get-on-my-funds</loc>
    <lastmod>2026-04-21T04:19:49Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520734-how-do-i-add-an-authorised-representative-to-my-account</loc>
    <lastmod>2026-04-20T02:20:17Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520844-how-do-i-place-an-order</loc>
    <lastmod>2026-04-20T03:05:59Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520859-what-is-a-cash-account</loc>
    <lastmod>2026-04-21T04:09:37Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520860-how-do-i-trade-on-us-and-uk-markets</loc>
    <lastmod>2026-04-20T22:39:28Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520863-all-these-numbers-csn-fin-srn-hin</loc>
    <lastmod>2026-04-20T02:16:32Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520865-what-is-an-srn-and-where-can-i-find-it</loc>
    <lastmod>2026-04-21T04:12:40Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520927-dividends-and-share-registries</loc>
    <lastmod>2026-04-20T02:19:11Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520931-what-to-do-if-an-account-holder-has-passed-away</loc>
    <lastmod>2026-04-21T05:49:52Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520934-how-do-i-change-my-contact-details</loc>
    <lastmod>2026-04-20T02:29:49Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520952-how-do-i-transfer-existing-shareholdings-on-the-asx</loc>
    <lastmod>2026-04-20T22:45:18Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520960-how-do-i-get-my-australian-dividends-paid-to-my-aud-cash-account</loc>
    <lastmod>2026-04-20T03:00:48Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520962-how-do-i-add-existing-holdings-to-my-portfolio</loc>
    <lastmod>2026-04-20T01:52:44Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520966-how-do-i-withdraw-funds-from-my-invest-direct-cash-account</loc>
    <lastmod>2026-04-20T22:53:42Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520973-at-what-rate-is-resident-withholding-tax-applied-to-dividends</loc>
    <lastmod>2026-04-20T00:47:56Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520975-id-and-certification-requirements</loc>
    <lastmod>2026-04-20T23:08:22Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11520986-how-do-i-invest-in-australian-shares</loc>
    <lastmod>2026-04-20T03:03:58Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521004-how-do-i-deposit-in-a-foreign-currency</loc>
    <lastmod>2026-04-20T02:54:23Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521007-how-can-i-change-my-address-with-the-share-registries</loc>
    <lastmod>2026-04-20T01:10:54Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521014-where-can-i-get-my-rwt-certificate</loc>
    <lastmod>2026-04-21T06:02:04Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521016-how-does-the-portfolio-work</loc>
    <lastmod>2026-04-20T01:51:12Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521018-how-do-i-remove-holdings-from-my-portfolio</loc>
    <lastmod>2026-04-20T22:20:54Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521019-how-do-i-update-my-portfolio-when-a-company-changes-its-code-ticker</loc>
    <lastmod>2026-04-20T22:52:10Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521021-how-do-i-transfer-my-existing-us-or-uk-shares-into-my-account</loc>
    <lastmod>2026-04-20T22:49:53Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521025-how-do-i-add-holdings-received-through-a-corporate-action</loc>
    <lastmod>2026-04-21T06:25:42Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521037-once-my-shares-are-sold-when-do-i-get-paid</loc>
    <lastmod>2026-04-20T23:30:21Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521042-how-do-i-close-my-account</loc>
    <lastmod>2026-04-20T02:41:34Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521046-what-is-market-data</loc>
    <lastmod>2026-04-21T04:16:54Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521050-which-currencies-can-i-settle-my-trades-in</loc>
    <lastmod>2026-04-21T06:08:37Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521064-i-ve-moved-overseas-can-i-still-have-an-account-with-you</loc>
    <lastmod>2026-04-20T23:13:09Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521077-what-if-i-have-a-certificate-of-exemption</loc>
    <lastmod>2026-04-21T04:07:00Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521091-is-there-a-minimum-amount-of-shares-i-can-purchase</loc>
    <lastmod>2026-04-20T23:18:45Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521101-what-is-automatic-exchange-of-information-aeoi</loc>
    <lastmod>2026-04-21T04:15:23Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521106-what-types-of-credit-are-attached-to-deducted-from-dividends</loc>
    <lastmod>2026-04-21T05:52:35Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521110-why-is-resident-withholding-tax-deducted-from-dividends</loc>
    <lastmod>2026-04-21T06:14:01Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521114-what-do-i-have-to-pay-tax-on</loc>
    <lastmod>2026-04-21T03:59:07Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521121-how-is-income-tax-paid</loc>
    <lastmod>2026-04-20T22:54:46Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521124-what-tax-do-i-have-to-pay-on-interest-earned-from-my-cash-account</loc>
    <lastmod>2026-04-21T04:26:15Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521127-how-is-interest-paid</loc>
    <lastmod>2026-04-20T22:55:48Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521130-new-issues</loc>
    <lastmod>2026-04-20T23:23:41Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521135-what-is-market-depth</loc>
    <lastmod>2026-04-21T04:18:25Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521151-what-sort-of-advice-and-information-is-available-to-me</loc>
    <lastmod>2026-04-21T04:24:01Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521159-how-do-i-deposit-funds-into-my-invest-direct-cash-account</loc>
    <lastmod>2026-04-20T02:47:11Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521162-paying-for-share-purchase-plans-rights-and-entitlements-including-bpay</loc>
    <lastmod>2026-04-21T02:16:08Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521165-types-of-orders</loc>
    <lastmod>2026-04-21T04:02:44Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521175-how-do-i-set-up-manage-watchlists-and-alerts</loc>
    <lastmod>2026-04-20T22:26:23Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521181-can-i-cancel-a-transfer-or-withdrawal-before-it-has-been-processed</loc>
    <lastmod>2026-04-20T00:49:09Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/11521182-your-trading-account-and-cash-account</loc>
    <lastmod>2026-04-21T06:16:01Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/14696005-how-long-does-an-order-stay-in-the-market</loc>
    <lastmod>2026-04-20T23:42:07Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/14697478-providing-source-of-wealth-or-source-of-funds</loc>
    <lastmod>2026-04-21T03:54:05Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/14698395-what-are-the-market-trading-hours</loc>
    <lastmod>2026-04-21T04:01:48Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/articles/14699589-capital-raising-offers-explained</loc>
    <lastmod>2026-04-21T06:37:14Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/collections/12931255-getting-started</loc>
    <lastmod>2026-04-22T02:11:20Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/collections/12930677-using-invest-direct</loc>
    <lastmod>2026-04-22T02:18:37Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/collections/12931256-security-and-privacy</loc>
    <lastmod>2026-04-22T02:18:37Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/collections/12931257-tax</loc>
    <lastmod>2026-04-22T02:18:37Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/collections/12931258-pricing-and-fees</loc>
    <lastmod>2026-04-22T02:18:38Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/collections/13236425-account-updates</loc>
    <lastmod>2026-04-22T02:10:13Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/collections/13236432-deposits-and-withdrawals</loc>
    <lastmod>2026-04-22T02:10:01Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/collections/13236466-buying-and-selling</loc>
    <lastmod>2026-04-22T02:09:43Z</lastmod>
  </url>
  <url>
    <loc>http://help.investdirect.nz/en/collections/13236529-portfolio-and-watchlists</loc>
    <lastmod>2026-04-22T02:09:31Z</lastmod>
  </url>
</urlset>
