MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Cove Car Insurance - Real Customer Reviews & Facts
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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Commodities Trading in New Zealand

Commodities is a broad asset class, encompassing precious metals, oil & gas, textiles, agricultural products and more. This guide outlines everything you need to know about trading from New Zealand.
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Updated 22 July 2024

Know This First: A commodity is a raw material or primary product used to create finished products. For example, a construction company would buy steel, copper and other metals in bulk. Another example would be a food manufacturer purchasing large quantities of soybeans and corn. Producers trade commodities to acquire the materials needed in their supply chain, or hedge risk, supposing commodity prices might rise in the future. 

Traders can speculate on commodity markets using various financial instruments. In this guide, we explore how New Zealand traders can invest or speculate with commodities. 

Disclaimer: All investment carries risk. This guide is for educational purposes only and should not be interpreted as investment advice. This guide’s contents simply present various investment products associated with commodities but do not suggest the appropriateness of any of these products to our readers.

Summary
  • The commodities asset class is incredibly broad and consists of dozens of products. A few examples are gold, crude oil, orange juice, copper, coffee, cocoa, lumber, live cattle and much more.
  • The NZX is the only domestic commodity exchange in New Zealand. The exchange only hosts dairy products.
  • Commodities are primarily traded as futures or options contracts on commodity exchanges, such as the Intercontinental Exchange (ICE), Chicago Mercantile Exchange (CME) Group and the New York Mercantile Exchange (NYMEX).
  • Commodities can be traded using various contracts, such as CFDs, futures, options, forwards and over-the-counter.
  • Some investors and traders follow commodity prices as fundamental analysis when investing in stocks or ETFs related to the underlying commodity, such as oil, mining, construction and manufacturing companies.
  • Disclaimer: The data referenced in this guide pertains to the first quarter of 2021. This period showcases the highest quarterly trading volume of commodity futures and options worldwide, with over 2.5 billion contracts traded. Please note that market trading can vary significantly over time. The 2021 examples illustrate broader trends and dynamics, highlighting the trading market's substantial activity.

Our guide covers:
  • What are Commodities?
  • The Most Active Commodities Markets in the World
  • Commodity Exchanges
  • Ways to Trade Commodities
  • Commodity Trading in New Zealand
  • Where to Trade Commodities in New Zealand
  • Frequently Asked Questions

Are you looking to trade Commodities? BlackBull Markets is a trusted NZ-based broker offering robust trading options with the following advantages:
  • Trade a Variety of Commodities: Whether it's precious metals, energy, or soft commodities, diversify your portfolio easily.
  • Low Commission and Fees: Keep your trading costs down with low commission rates and minimal fees.
  • Expert Analysis and Resources: Stay ahead with our comprehensive market insights and trading resources.
    ​Ongoing Education: BlackBull Markets continues to support its users with daily updates, educational workshops, and more.
Visit Blackbull Markets
Blackbull Markets

Commodities Trading NZ

What are Commodities?

A commodity is a raw material used to produce other finished goods. A raw commodity cannot be consumed in the form it’s sold on commodity exchanges. For example, coffee and cacao beans cannot be picked from the plant and consumed. There is a complicated process involved to prepare coffee beans or produce a chocolate bar hence why commodities are considered raw materials. They need to be refined or processed in some way.

Commodities are broadly categorised as either hard commodities or soft commodities. Most people think of commodities as products like gold and oil; these are known as hard commodities, and they’re usually mined or drilled. In contrast, soft commodities are usually grown or farmed, so they are often referred to as agricultural commodities. Classic examples of soft commodities are soybeans, coffee, cocoa, corn, wheat and others.

Commodities can be organised into asset classes or subcategories, such as precious metals, energy products, grains, livestock, etc.

Disclaimer: The data referenced below pertains to the first quarter of 2021. This period showcases the highest quarterly trading volume of commodity futures and options worldwide, with over 2.5 billion contracts traded. Please note that market trading can vary significantly over time. The 2021 examples illustrate broader trends and dynamics, highlighting the trading market's substantial activity.

1. Energy commodities

The energy commodity market is the largest asset class of commodities in terms of the notional value and contracts traded. Energy commodities consist of coal, liquid natural gas, crude oil, petroleum and various renewable energies. 

While many energy commodities are listed on commodity exchanges, the original black gold is traded the most. Brent Crude Oil (Brent) and West Texas Intermediate Crude Oil (WTI) compete as the most traded commodity in the world.

Brent is mostly traded on the Intercontinental Exchange (ICE), whereas WTI is mostly traded on New York Mercantile Exchange (NYMEX). Brent production is drilled offshore in the North Sea, making production more scalable than competing WTI. As WTI is drilled and stored inland, it faces many logistical and storage obstacles that affect production and influence costs.


West Texas Intermediate Crude Oil
West Texas Intermediate is a grade of crude oil that has light and sweet characteristics. The lightness quality refers to the low density, and sweetness refers to the low sulfur content.
  • The most liquid exchange for trading WTI is NYMEX, which CME Group owns
  • Between January and June 2021 (Q1 & Q2), 125,227,794 contracts of WTI futures were traded on NYMEX.
  • The contract size is 1,000 barrels (1 barrel = 159 litres / 42 gallons).
  • Based on the average price of US$66.33 per barrel for the period, the notional value of the contracts traded was US$8.3 trillion.
  • The ticker symbol for WTI is CL on NYMEX.

Brent Crude Oil
Brent crude oil is oil mined from the North Sea and owes its name to the Brent oil field, where the oil was first extracted in 1976.
  • The most liquid exchange for trading Brent Crude Oil is ICE
  • Between January and June 2021 (Q1 & Q2), 122,969,575 Brent futures were traded on ICE Europe.
  • The contract size is 1,000 barrels (1 barrel = 159 litres / 42 gallons)
  • Based on the average price of US$68.88 per barrel for the period, the notional value of the contracts traded was US$8.47 trillion
  • The ticker symbol for Brent is BZ on ICE.

2. Ferrous metal commodities

Just like oil, metals are a fundamental part of our daily lives. Technology, manufacturing and construction are the main industries that demand vast amounts of metals. Hence, the ferrous metals market is second in place to the energy market. The category consists of steel, copper, iron ore, nickel and many more. The price of ferrous metals is driven by energy costs which impact production and transportation, large infrastructure projects and the prosperity of emerging markets that impact demand.

Steel
Steel is an extremely strong and relatively low-cost metal. It’s suitable for construction and manufacturing. Global steel production in 2020 was 1,877 billion tonnes.
  • Steel contracts are available in different formats and grades, such as reinforcing bar (rebar), hot-rolled coil (HRC) and scrap steel.
  • The largest steel trading volumes are on the Shanghai Futures Exchange. 
  • Other active steel trading venues are the London Metal Exchange and COMEX.
  • Contract sizes vary by exchange and type. For example, on the London Metal Exchange, the contract size is 10 metric tons, whereas, on COMEX, the contract size is 20 short tons. A short ton is an imperial ton that weighs 2,000 lb, which is 907.19 kg. 20 short tons is equal to 18,143.8 kg.

Iron ore
Iron is extracted from iron ore, which is subsequently used to produce steel, cast iron, magnets and has many more uses. The global iron ore production was 2.2 billion tons in 2020.
  • The most liquid exchange for trading iron ore is the Dalian Commodities Exchange (DCE) in China. In 2020, 284,630,172 iron ore contracts were traded on the DCE.
  • One of the most liquid exchanges for trading Iron Ore is the Singapore Exchange (SGX). In 2020, the SGX iron ore trading volume was 21,234,077 contracts.
  • For comparison, the iron ore contract size is 100 metric tonnes on SGX, 100 metric tonnes on DCE, and 500 dry metric tons on US-based COMEX.
  • A dry metric tonne is the internationally agreed-upon unit of measure for iron ore pricing.
  • The ticker symbol for iron ore is I on DCE, FEF on SGX, and TR on COMEX.

Copper
Copper is an excellent heat and electricity conductor. The metal is corrosion-resistant and weatherproof. 20 million metric tons of copper were mined worldwide in 2020.
  • In 2020, 57,164,215 copper contracts were traded on the Shanghai Futures Exchange (SHFE), 34,391,825 contracts were traded on the London Metal Exchange and 24,317,772 on COMEX.
  • For comparison, the copper contract size is 5 tonnes on SHFE, 25 metric tonnes on LME, and 25,000 lbs on US-based COMEX.
  • The ticker symbol for copper is CU on SHFE, CA on LME, HG on COMEX.

3. Precious metal commodities

Precious metals are a unique commodity because they sit on the fence between money and commodity. Gold, silver and platinum are scarce metals, and reserves are limited. The cost of mining these metals plays an important role in their price. 

Gold
The market cap of gold is greater than Apple, Google, Amazon, and Microsoft combined. The market capitalisation of gold is estimated to be $10.3 trillion, with a market price of US$1,800 per ounce. The above-ground reserves are estimated to be 197,000 metric tonnes. Annual gold production in 2020 was 3,200 metric tons. Although the biggest influencer of gold prices are monetary policy and financial market speculation, the precious metal is a staple in integrated circuits used in mobile phones and computers.
  • The most liquid exchange for trading Gold is COMEX. In 2020, 78,127,531 gold contracts were traded on the exchange.
  • The ticker symbol for gold is GC on COMEX.
  • The contract size for gold is 100 troy ounces on COMEX. A troy ounce is the official measure of precious metals and weighs 31.1 grams.

Learn more about investing in gold by reading our definitive guide to gold investing in New Zealand.

Silver
The market capitalisation of silver is estimated to be US$1.3 trillion, with a market price of US$24 per ounce. The above-ground reserves are estimated to be 1,700,000 metric tonnes. Global silver production in 2020 was estimated to be 25,000 metric tons. Like gold, silver has various uses besides jewellery and investing. Silver is used in electronic circuits, solar panels, ball bearings, plumbing and other industries.
  • The most liquid exchange for trading Silver is COMEX. In 2020, 26,126,771 silver futures contracts were traded on the exchange. The exchange with the most silver contracts traded in 2020 was the Shanghai Futures Exchange, with 357,232,087 contracts traded that year. 
  • The ticker symbol for silver is SI on COMEX and AG on SHFE.
  • The contract size for silver is 5,000 troy ounces on COMEX and 30kg (964 troy ounces) on SHFE.

4. Soft commodities

With a population of 7.9 billion people to feed, it’s impossible to overlook the importance of soft commodities like soybean, corn, sugar, wheat and most peoples’ favourites, cocoa and coffee.

Cocoa
Cocoa beans are the foundation of the global confectionery market, worth hundreds of billions of dollars annually. The price of cocoa can influence food and beverage companies like Nestlé (NESN.SW) and Mondelez (MDLZ/NASDAQ). Cocoa is a volatile asset because of the concentrated growing regions and seasonal effects on production.
  • One of the most liquid exchanges for trading Cocoa is the ICE. In July 2021, 1,635,255 cocoa futures contracts were traded on the exchange.
  • The contract size for cocoa is ten metric tons. Almost five million tons of cocoa beans are produced each year.
  • The ticker symbol for cocoa on ICE is CC

Coffee
Coffee is the most consumed beverage globally, yet the coffee bean can only be grown in certain climates. In 2019, the global retail coffee industry was worth approximately US$102.15 billion. Most coffee growing regions are vulnerable to political and social instability creating supply chain stability risks for companies like Starbucks (SBUX) and food and beverage conglomerate Kraft Heinz Company (KHC).
  • One of the most liquid exchanges for trading coffee is the ICE. In July 2021, 2,328,619 coffee futures contracts were traded on the exchange. 
  • The contract size for coffee is 37,500 pounds (approximately 250 bags)
  • The ticker symbol coffee on ICE is KC

Are you looking to trade Commodities? BlackBull Markets is a trusted NZ-based broker offering robust trading options with the following advantages:
  • Trade a Variety of Commodities: Whether it's precious metals, energy, or soft commodities, diversify your portfolio easily.
  • Low Commission and Fees: Keep your trading costs down with low commission rates and minimal fees.
  • Expert Analysis and Resources: Stay ahead with our comprehensive market insights and trading resources.
    ​Ongoing Education: BlackBull Markets continues to support its users with daily updates, educational workshops, and more.
Visit Blackbull Markets
Blackbull Markets

Commodities Trading NZ

The Most Active Commodities Markets in the World

Commodities are traded on exchanges to help producers and manufacturers manage their inventory and financial risk. Because of the open nature of the financial markets that most of us are privy to, commodities markets have transitioned from being a wholesale marketplace for industry participants and turned into active financial markets for traders to speculate on prices.

There are hundreds of commodities markets hosted across dozens of exchanges worldwide. Here is a list of the five most traded commodities.

According to the Futures Industry Association (FIA) data, the most traded commodity is Steel Rebar Futures on the Shanghai Futures Exchange (SHFE) based on futures exchange trading volume. In the first two quarters of 2021, 300,492,610 contracts were traded, more than 3 billion tons of steel worth over NZ$3.3 trillion. However, there are other commodity markets with a much larger dollar value than China’s steel market.

The table below shows the world's largest commodity markets for the first two quarters of 2021:
CommodityExchangeContracts tradedContract sizeAverage priceNotional value
Steel Rebar (SRB)Shanghai Futures Exchange300,492,61010 tonsCNÂ¥5,125 (NZ$1,147) per tonNZ$3.4 trillion
Purified Terephthalic Acid (TA)Zhengzhou Commodity Exchange267,449,6555 tonsCNÂ¥4,363 (NZ$976) per tonNZ$1.3 trillion
Brent Oil (BR)Moscow Exchange265,329,19610 barrelsUS$69.69 (NZ$101.15) per barrelNZ$268 billion
Soybean Meal (B)Dalian Commodity Exchange202,929,42210 tonsCNÂ¥3,530 (NZ$790) per tonNZ$1.6 trillion
Methanol (MA)Zhengzhou Commodity Exchange174,722,75110 tonsCNÂ¥2,475 (NZ$554) per tonNZ$968 billion
Fuel Oil (FU)Shanghai Futures Exchange158,406,85810 tonsCNÂ¥2,343 (NZ$524) per tonNZ$830 billion
Silver (AG)Shanghai Futures Exchange141,910,00730 kgCNÂ¥5,400 (NZ$1,208) per kgNZ$5.1 trillion
Flat Glass (FG)Zhengzhou Commodity Exchange137,736,58720 tonsCNÂ¥2,316 (NZ$518) per tonNZ$1.4 trillion
Rapeseed Meal (RM) Zhengzhou Commodity Exchange136,955,60310 tonsCN¥2,819 (NZ$631) per tonNZ$864 billion
WTI Light Sweet Crude Oil (CL)New York Mercantile Exchange125,227,7941,000 barrelsUS$66.33 (NZ$96.30) per barrelNZ$12 trillion
Brent Crude Oil (BRN)ICE Futures Europe122,969,5751,000 barrelsUS$68.88 (NZ$100)NZ$12.3 trillion
Soybean Oil (Y) Dalian Commodity Exchange110,240,40210 tonsCN¥8,750 (NZ$1,959) per tonNZ$2.1 trillion
Hot Rolled Coil (HC)Shanghai Futures Exchange109,860,89110 tonsCNÂ¥5,190 (NZ$1,162) per tonNZ$1.3 trillion
RBD Palm Oil (P)Dalian Commodity Exchange98,394,37410 tonsCNÂ¥8,075 (NZ$1,808) per tonNZ$1.8 trillion
Nickel (NI)Shanghai Futures Exchange97,269,0721 tonCNÂ¥130,000 (NZ$29,106) per tonNZ$28.6 trillion
Corn (C)Dalian Commodity Exchange95,669,16510 tonsCNÂ¥2,646 (NZ$592)NZ$566 billion
Soda Ash (SA) Zhengzhou Commodity Exchange94,598,78520 tonsCN¥1,640 (NZ$367)NZ$694 billion
Polypropylene (PP)Dalian Commodity Exchange85,552,1065 tonsCNÂ¥8,690 (NZ$1,945)NZ$832 billion
Woodpulp (SP)Shanghai Futures Exchange74,702,66610 tonsCNÂ¥6,200 (NZ$1,388)NZ$1 trillion
Thermal Coal (ZC) Zhengzhou Commodity Exchange73,885,384100 tonsCN¥800 (NZ$180)NZ$1.3 trillion

Commodities Trading NZ

Commodity Exchanges

Commodities are traded on commodity exchanges. A commodity exchange is just like a stock exchange, except instead of trading stocks, participants trade commodity contracts. Commodities are traded on exchanges as either futures or options contracts. 

The exchange is a venue where buyers and sellers can trade their commodities. The exchanges are responsible for moderating the market by defining contract specifications, including delivery & settlement terms and most importantly, establishing product quality to ensure fungibility of every contract.

There are stand-alone commodity exchanges, like the London Metal Exchange, which only offers metallic products, as the name suggests. Whereas some stock exchanges, like New Zealand Exchange, offer commodities markets alongside stocks.

The largest commodity exchange in the world is the National Stock Exchange of India. Despite what the table above suggests, the Dalian Commodity Exchange, Shanghai Futures Exchange, and Zhengzhou Commodity Exchange rank 8th, 9th and 10th place, respectively.

The table below shows the top ten futures exchanges based on trading volume in Q1 2021.
ExchangeJan-Mar 2021 Volume 
National Stock Exchange of India3,130,045,825 
B32,163,713,963
CME Group 1,331,452,406
Nasdaq911,190,559
Intercontinental Exchange885,824,059 
CBOE Holdings 789,135,382
Korea Exchange673,982,169
Zhengzhou Commodity Exchange634,056,462
Shanghai Futures Exchange631,383,504
Dalian Commodity Exchange552,423,337

Commodities Trading NZ

Ways to Trade Commodities

We assume that most, if not all of our readers, are not interested in buying ten tons of purified terephthalic acid to keep in their garage. Therefore, we’ll focus on how you can trade, invest or speculate on commodity prices using various instruments at your disposal without needing a warehouse. There are several ways to invest and speculate on commodity markets.

1. Trade commodities with CFDs

Contracts-for-difference are one of the most accessible instruments for New Zealanders to speculate on different commodities. Most forex brokers offer currency pairs and CFDs from various asset classes in one trading platform.

A CFD is an agreement between a trader and their broker. As a trader, you speculate on whether the underlying asset’s price, such as a barrel of oil or an ounce of gold, will rise or fall. When the contract is closed, the trader and broker settle the difference between the opening and closing prices. 

Learn more about contracts-for-difference in our CFD trading guide.

2. Trade commodities with Futures

Futures contracts are derivatives traded on regulated exchanges to trade various asset classes, including any commodity. Futures are one of the most common instruments used to trade commodities. A futures contract is an agreement between a buyer and seller to exchange an asset or commodity at a future date for a predetermined price. 

Although futures contract specifications and settlement terms vary by product and exchange, typically, futures can be settled by physical delivery. Therefore, producers can secure future sales and protect their revenue from price drops. At the same time, manufacturers can secure inventory for the future without worrying about price increases. Futures help buyers and sellers secure consistent pricing.

Some commodity exchanges facilitate cash settlement of futures contracts. Cash settlement is important for companies using futures to hedge rather than secure inventory purchases and sales.


Learn more about futures in our guide to futures trading in New Zealand.

3. Trade commodities with Options

Options give traders the right, but not the obligation, to buy or sell the underlying commodity when the contract expires. Unlike futures, options have limited risk and work more like an insurance policy. When buying options contracts, your risk is only the premium you pay. If an options contract is unprofitable, the contract simply expires, only costing the trader the premium they paid.

When entering a commodity options contract, you determine the order direction: buy (call option) or sell (put option). From there, you set the strike price, which is the price the underlying asset should breach to warrant profit. The option premium is based on the distance between the market price and strike price and the contract duration.

Consider a dairy manufacturer like Fonterra; if they feel the milk price will rise in the future, they can protect themselves with MKP (milk price) call options. Supposing the milk price falls, the company benefits from prices being in the expected range or lower. Consider a car insurance policy; you aren’t considered a loser if you don’t have an accident and claim on your insurance; the analogies are similar.

4. Over the counter commodities trading

Not all commodities are traded on exchanges. Many producers and manufacturers transact over the counter, meaning they trade directly, without an exchange as an intermediate. The most common way is to use forward contracts, which are essentially futures contracts, but the specifications can be customised depending on the negotiations between the buyers and sellers.

5. Commodity stocks

A common way traders get exposure to commodity markets is to invest or trade shares of companies that produce or use various commodities. These company’s performance, and therefore, the share price is correlated to the price of the related commodity:
  • Gold mining stocks: Barrick Gold (GOLD.NYSE); Franco-Nevada (FNV.NYSE); Newmont Corporation (NEM.NYSE); Kinross Gold Corporation  (KGC.NYSE)
  • Crude oil stocks: Royal Dutch Shell plc (RDSA.AMS); Exxon Mobil Corporation (XOM.NYSE); Chevron Corporation (CVX.NYSE); BP plc (BP.LON)
  • Ferrous metal stocks: Tata Steel Limited (TATASTEEL.NSE); Rio Tinto Group (RIO.ASX); Glencore plc (GLEN.LON)
  • Coca stocks: Hershey Co. (HSY.NYSE); Chocoladefabriken Lindt & Spruengli AG (LISN.SWX); Nestlé S.A. (NESN.SWX)
  • Coffee stocks: Starbucks Corporation (SBUX.NASDAQ); Jacobs Douwe Egberts (JDEP.AMS)

Learn more about investing in commodity stocks by reading our how to invest in shares step by step guide for beginners.

6. Commodity ETFs

Instead of choosing individual stocks correlated to certain commodities, you could invest in exchange-traded funds related to different commodities.
  • Gold ETFs: iShares Gold Trust (IAU); SPDR Gold Shares (GLD); VanEck Merk Gold Trust (OUNZ)
  • Crude oil ETFs: United States Oil Fund LP (USO); Invesco DB Oil Fund (DBO)
  • Ferrous metal ETFs: Invesco DB Base Metals Fund (DBB); United States Copper Index Fund (CPER)
  • Cocoa ETFs: iPath Bloomberg Cocoa Subindex Total Return ETN (NIB)
  • Coffee ETFs: iPath Series B Bloomberg Coffee Subindex Total Return ETN (JO)

Learn more about investing in commodity ETFs by reading in our Exchange Traded Funds (ETF) guide for New Zealand investors.

Commodities Trading NZ

Commodity Trading in New Zealand

The Financial Markets Authority regulates market operators in New Zealand. A market operator is a venue that facilitates transactions to buy and sell financial instruments for participants. The only domestic licensed market operator in New Zealand is the New Zealand Stock Exchange (NZX), licensed to provide several markets, including the NZX Derivatives Market consisting of several commodities. 

The NZX Derivatives Market hosts the following commodities markets:
  • WMP (whole milk powder) Futures
  • WMP (whole milk powder) Options
  • SMP (skim milk powder) Futures
  • SMP (skim milk powder) Options
  • MKP (milk price) Futures
  • MKP (milk price) Options
  • AMF (anhydrous milk fat) Futures
  • BTR (butter) Futures

In New Zealand, the primary export is dairy products. The entire industry is worth almost NZ$20 billion annually. Hence why the only commodity traded on NZX is dairy products. 

In 2020, the key dairy exports were:
  • Whole milk powder: NZ$7 bn
  • Butter, cream, AMF: NZ$3.3 bn 
  • Cheese: NZ$2.1 bn
  • Infant formula: NZ$1.85 bn
NZ Exports
Other licensed market operators in New Zealand are ICE Futures U.S., Inc, ICE Futures Europe and Australian Securities Exchange Limited. These companies are licensed to distribute their existing overseas markets to participants who may provide the products to New Zealand investors or traders. For example, Interactive Brokers is registered as a participant with ASX, ICE Europe and ICE U.S.

Commodities Trading NZ

Where to Trade Commodities in New Zealand

There are multiple brokers and platforms for trading commodities in New Zealand. 

BlackBull Markets
BlackBull Markets is a New Zealand-based forex and CFD broker recognised for its strong local presence and regulatory compliance with the New Zealand Financial Markets Authority (FMA). The company specialises in providing a range of trading options across various markets, including forex, commodities, indices, and metals. BlackBull Markets offers an intuitive platform and advanced trading tools for beginner and experienced traders.
Essentials:
  • Minimum Deposit: NZ$200
  • Trading Platforms: MetaTrader 4, MetaTrader 5, and BB Trade (proprietary platform)
  • Maximum Leverage: 1:500
  • Number of Instruments: 300+ (including forex, commodities, indices, metals)
  • Funding Methods: Bank transfer, credit/debit card, Neteller, Skrill
  • More Details: Visit BlackBull Markets or read our BlackBull Markets Review

CMC Markets
CMC Markets is an international forex and CFD broker, regulated in most major financial centres and listed on the London Stock Exchange (CMCX). The company offers more than 100 commodity CFD instruments in its platform, spanning energy, precious & ferrous metals, livestock and agricultural products. CMC markets also offers commodity themed shares and share baskets which allow you to trade indices consisting of oil & gas, renewable energy and precious metals companies.

Essentials:
  • Minimum deposit: N/A
  • Trading platforms: Next Generation (proprietary), MT4
  • Maximum leverage: 1:500
  • Number of instruments: 10,000+ (forex, indices, cryptocurrencies, commodities, stocks, treasuries)
  • Funding methods: Bank transfer, POLi and credit/debit card (there is a 2.3% charge for card transactions unless it’s your first deposit)
  • More details: CMC Markets or read our CMC Markets review

Plus500
Plus500 is an international CFD broker headquartered in Israel, but listed on the London Stock Exchange (PLUS) and licensed in several jurisdictions. Although Plus500 is not based in New Zealand, the company does have a Derivatives Issuer license from the FMA. Plus500 offers CFDs to trade commodities based on spot, futures and options markets. For example, you can trade CFDs on cocoa based on the ICE futures market, natural gas call options based on the CME Group markets and commodity themed shares and ETF.

​Essentials:
  • Minimum deposit: NZ$100
  • Trading platforms: Plus500 (own platform)
  • Maximum leverage: 1:30
  • Number of instruments: 2000+ (forex, indices, stocks, commodities, cryptocurrencies, ETFs, options)
  • Funding methods: Credit/debit card, bank transfer, PayPal, Skrill
  • More details: Plus500 or read our Plus500 review

Interactive Brokers
Interactive Brokers is an international broker licensed worldwide and provides access to dozens of instruments, asset classes, markets and thousands of products. Interactive Brokers support over 30 futures exchange markets in North America, Europe and Asia-Pacific. The company has one of the maturest product portfolios catering to retail and institutional investors worldwide.

​Essentials:
  • Minimum deposit: N/A
  • Trading platforms: Proprietary platform, Trader Workstation, IBKR Mobile
  • Maximum leverage: Varys by instrument
  • Number of instruments: 10,000+ (shares and ETFs from around the world, options, futures, forex, bonds, mutual funds)
  • Funding methods: Bank transfer
  • More details: Interactive Brokers or read our Interactive Brokers review

Commodities Trading NZ

Frequently Asked Questions

How can I trade New Zealand dairy commodities?

New Zealand dairy futures and options products are an incredibly niche product. The NZX has market participants registered to trade derivatives on the exchange; they include Jarden, StoneX and ADM. As these firms are institutional brokerages, they will require you to be an accredited investor or a qualified investor.

Can I trade commodities directly with an exchange?

Commodity exchanges do not offer trading accounts to members of the public. To trade exchange-traded commodities, you’ll need to open an account with a broker that is a registered participant of the respective exchange.

What is the best instrument to trade commodities?

The right instrument for trading commodities depends on your risk tolerance and understanding of the derivative. Some argue that CFDs are the simplest but carry the highest risk. In comparison, options can offer lower risk but are more complicated to understand. The answer to this question depends on your circumstances.

Are you looking to trade Commodities? BlackBull Markets is a trusted NZ-based broker offering robust trading options with the following advantages:
  • Trade a Variety of Commodities: Whether it's precious metals, energy, or soft commodities, diversify your portfolio easily.
  • Low Commission and Fees: Keep your trading costs down with low commission rates and minimal fees.
  • Expert Analysis and Resources: Stay ahead with our comprehensive market insights and trading resources.
    ​Ongoing Education: BlackBull Markets continues to support its users with daily updates, educational workshops, and more.
Visit Blackbull Markets
Blackbull Markets

Related Guides and Sources (External):
  • MoneyUnder30.com (how to invest in commodities)
  • FIA Q1 Trends in Trading Activity
  • FIA Q1 2021 ETD Volume
  • Intercontinental Exchange
  • Singapore Market Statistics Reports
  • China Shanghai Futures Exchange: Commodity Futures
  • CMEG Exchange Volume Report
  • Q2 2021 trends in futures and options trading

Related MoneyHub Guides:
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  • How to Invest in Gold
  • Interactive Brokers Review
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