You will need to keep your funds invested in New Zealand for the entire three-year investment period (investor 1). It is, however, possible to switch between acceptable investments during this period. If you take the funds out, you are breaking one of the conditions of your visa and are putting your visa at risk.
What happens if I want to take my money out early from the New Zealand Investor 1 visa application?
My wife and I will not be working the first few years we are in New Zealand, and then we will begin receiving retirement payments. I am trying to plan for any emergencies and want to know if there would be penalties if we had to withdraw a small portion of our investment funds. To be clear, I do not anticipate this happening, I am just trying to mitigate risk.
Whether or not you will be charged a penalty is dependent on the type of investment you make and provisions of the investment agreement. Immigration New Zealand does not get involved in the agreement between you (the investor) and the seller (the product seller or service provider). However, if you withdraw part or all of your investment within the three-year investment period for personal use, you will breach your visa conditions under Section 49(1) of the Immigration Act and therefore your permanent resident visa is not likely to be approved.