MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • 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
        • 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 Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • 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
      • 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
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • 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
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding 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
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • 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
        • 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
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • 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
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured 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
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans 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
    • Car Insurance
      • Guides
        • 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
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • 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
      • 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
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank 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
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas 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
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • 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
      • 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
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • 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
      • 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
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • 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 in Christchurch
    • 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
      • Renting Directly to Tenants vs Using an Agent
    • Building a House
      • 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
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • 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
      • 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
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM 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
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • 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
    • Business Calculators
      • 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
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • 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
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • 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
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • 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
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • 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
    • 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
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • 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
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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Futures Trading in New Zealand

Futures are a sophisticated financial instrument used for risk management, investment and speculation. This guide introduces you to the concept of futures contracts and how to trade them in New Zealand.
Futures Trading NZ
Updated 28 September 2023

Summary
  • Futures contracts are derivatives traded on exchanges worldwide to speculate on dozens of asset classes. 
  • A key characteristic of futures is leverage, meaning traders only need to provide the margin for a fraction of the contract value.
  • A futures contract is an agreement between a buyer and seller to exchange an asset at a future date for a predetermined price. 
  • Futures contract specifications vary depending on the underlying product and exchange venue, but typically, futures can be settled physically through physical delivery or paying the difference in cash.
  • Futures contracts have fixed expiry dates; contracts cannot be closed early. To exit the position, traders need to either sell the contract, which can be difficult. More commonly, traders buy a contract opposite to their current position to offset the exposure, essentially closing the position.
  • Futures markets deviate from the spot price of the underlying asset because traders are speculating on future prices, months or years in the future. 
  • From New Zealand, you can trade futures with Tiger Brokers, Interactive Brokers, Jarden and others.
  • In most parts of the world, where they are permitted, retail traders favour contracts for difference over futures due to their simplicity. Futures markets have important functions for businesses. 

To help you understand what you need to know, our guide covers:
  • Introduction to futures
  • How futures contracts work
  • Why trade futures?
  • New Zealand futures market
  • Futures compared other derivatives such as CFDs, options and forwards
  • Futures brokers for New Zealand residents
  • Top 5 futures exchanges
  • Frequently asked questions

Know This First: Risks of trading futures
  • Futures contracts are a leveraged product, meaning risks are not only amplified because traders can borrow to open larger positions, but margin call becomes a factor too.
  • A margin call happens when your trading account balance is too small to sustain an unprofitable position so the broker forces liquidation whether you like it or not.
  • Futures have a lot of downside, and you may lose significant amounts of money. Our guide outlines the key information that's important to know as you consider whether trading futures is right for you.

If you want to trade Futures, please be aware of the significant risks. Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2023 Editor's Choice Awards and offers Futures Trading:

  • ​Tiger Brokers (NZ) is a low-cost broker. Currently, the broker offers the lowest commissions, 0.35% FX fees and free level-2 data on US-listed shares and ETFs. For US shares, it's a lower-cost alternative to Hatch, Sharesies, Stake and Interactive Brokers.
  • The company offers access to US, Hong Kong, Singaporean and Australian stock markets and China A-Shares. Altogether, over 7,000 shares are listed on the platform.
  • Exclusive sign-up benefits: In discussions with Tiger Brokers (NZ), their team has advised us that anyone signing up via MoneyHub will receive the following:
  1. Zero transaction fees (e.g. brokerage fees) four times for US and ASX shares every month, for life.
  2. Zero currency exchange fees for the first NZ$2,000 of currency exchanged every month, for life (NZD to/from USD and AUD)
  3. A NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit.
  • Our view is simple: With all other platforms charging fees (Stake, Hatch, Sharesies, Superhero etc.) for FX and/or share brokerage/transaction, Tiger Brokers' offer is unrivalled in New Zealand.
  • Competition Promotion: Open an account and deposit at least NZD 2,000 within 7 days of your first deposit to go into the draw to win an iPhone 15. The winner will be drawn on the 25th of October 2023. ​

MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is focused on global investing, and at a time when some other platforms have raised their fees, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. Tiger Brokers is the only global online player to have a local Auckland-based team and to be regulated in New Zealand. It focuses on delivering low fees to global market investors looking to build wealth using shares, futures and options. It continues to innovate and has recently launched auto-invest, fractional shares and its own TigerGPT investment chatbot."
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

Introduction to futures

The term futures is well-known and regularly discussed on major market commentary and news channels like Bloomberg, MSNBC and others. But, this complex derivative instrument isn’t clear to most amateur traders. 

Futures contracts are one of many complex derivative products the financial markets have to offer. Futures are exchange-traded products traded on exchanges like Chicago Mercantile Exchange, Intercontinental Exchange, New Zealand Exchange, London Metal Exchange, etc. Most stock exchanges also facilitate futures markets alongside other instruments, such as options.

Futures are used for trading pretty much any financial market. You can use futures to trade stocks, gold, oil, currencies, corn, orange juice, milk powder and much more. Different exchanges specialise in different markets. For example, the New Zealand Exchange specialises in dairy derivatives, where 7,365 tons of dairy contracts were traded on a record-setting day.

According to the
Futures Industry Association, the worldwide volume of exchange-traded derivatives was 5.04 billion contracts in June 2021, the second-highest record after March 2021. These data imply futures trading is on the rise.

Futures trading is very popular with retail traders in the United States, whereas futures are primarily an institutional product in other parts of the world. In New Zealand, Australia, Canada, the UK, Europe and a few other developed and open financial markets, the choice derivative for retail investors is contracts for difference. However, CFDs are prohibited in the United States.

Futures Trading NZ

How futures contracts work

A futures contract is an agreement between a buyer and seller to exchange an asset at a future date for a predetermined price. Futures contracts are traded on exchanges. The exchanges are responsible for providing a safe and transparent trading environment for participants. Futures exchanges standardise contract specifications for different assets, ensuring consistency, especially for commodity products with varying fineness, purity and quality levels. With support from clearinghouses and registered brokers, futures exchanges ensure buyers and sellers meet their obligations to each other.

Futures contract specifications

Contract specifications vary depending on the underlying product. For example, one the CME futures exchange;
  • The product symbol for gold futures is GC. The contract size is 100 troy ounces, contracts are quoted in USD per troy ounce, and the minimum price movement is in increments of 10 cents, equal to US$10 per contract.
  • The product symbol for euro FX futures is 6E. The contract size is 125,000 euro, contracts are quoted in USD per euro, and the minimum price movement is in increments of 0.00005 cents, equal to US$6.25 per contract.
  • The product symbol for crude oil futures is CL. The contract size is 1,000 42-gallon barrels of oil, contracts are quoted in USD per barrel, and the minimum price movement is in increments of one cent, equal to US$10 per contract.
  • The product symbol for natural gas futures is NG. The contract size is 10,000m British thermal units (MMBtu), contracts are quoted in USD per MMBtu, and the minimum price movement is in increments of US$0.001, equal to US$10 per contract.
  • The product symbol for soybean futures is ZS. The contract size is 5,000 bushels, contracts are quoted in USD per bushel, and the minimum price movement is in increments of 0.0025 cents, equal to US$12.50 per contract. 

Other specifications that vary depending on the product and exchange are trading hours, quote currency, tick size and contract name.

Contract durations

Futures contracts have expiration dates, typically with monthly or quarterly periods. Exchanges will host futures markets leading years into the future. However, the nearest contract is typically the most active. On the CME futures exchange, you can trade gold futures contracts more than five years into the future and crude oil contracts expiring more than ten years in the future.

Contract expiries are identified by adding a letter and year following the product symbol. For example, CLK2022 means May 2022 crude oil futures contracts.

The letters used to reference months are:
  • F = January
  • G = February
  • H = March
  • J = April
  • K = May
  • M = June
  • N = July
  • Q = August
  • U = September 
  • V = October
  • X = November 
  • Z = December

Futures contract settlement methods

Futures contracts can be settled physically, where the seller physically delivers the product to the buyer when the contract expires. Or the parties can settle the difference in cash. Exchanges determine settlement methods and rules for physical delivery. Traders using futures to speculate on different markets will favour cash settlement over physical delivery.

Closing a futures contract

As futures contracts have fixed expiry dates, contracts cannot be closed early. One way traders can exit their position is to sell the contract to another trader, which can be difficult. More commonly, traders buy a contract opposite to their current position to offset the exposure, essentially closing the position. For example, if a trader has a long futures contract, they buy a short contract, essentially cancelling any risk as profits from one position cover losses from the other; this is known as a hedge.

Futures Trading NZ

Why trade futures?

Companies use futures for risk management and hedging; they’re also used for speculating on the underlying financial markets. We’ve prepared a few use cases for futures contracts:

1. Futures for risk management
Suppose the USD/NZD exchange rate is 0.75 and a US company begins developing a holiday resort in New Zealand. It needs to pay hundreds of construction workers, architects, project managers for two years. The resort developer estimates the project will cost NZ$5 million per month for two years, equivalent to US$3.75 million per month. 

If the USD/NZD rate rises to 0.8 on a given month, it means the US company needs to convert US$4 million to cover its monthly costs, whereas if the rate falls to 0.7, the company only needs to convert US$3.5 million.

In total, the US company has budgeted US$90 million based on the USD/NZD exchange rate of 0.75, but the company doesn’t want to take this much money from its balance sheet in one piece. It would rather pay expenses monthly, except this exposes the company to foreign exchange risk. Instead, the company can use futures contracts with leverage to secure the exchange rates in the future. The company can buy 50 long NZD futures contracts and only needs to provide a US$1,900 margin per contract and pay US$1.60 per contract. 

For almost US$2,000 in fees, the resort developer eliminates its foreign exchange risk on a US$90 million project.

2. Futures for hedging
Suppose a hedge fund manager just bought 1,000 Amazon shares for US$3,500 each and several regulatory changes affecting Amazon’s business operations came into effect, triggering a sell-off. The fund manager can short 1,000 Amazon shares to offset the expected losses. While the fund has a long position from shares it owns and a short position from a futures contract, the fund doesn’t make or lose any money from Amazon price fluctuations. 

Using technical analysis, the fund manager expects prices will fall to approximately US$2,800 before beginning to recover. Supposing the price falls to US$2,800 at the contract expiry, the fund manager captures US$700,000, which only becomes profit once Amazon shares start increasing. Essentially the fund manager has adjusted their AMZN entry from US$3,500 to US$2,800.

3. Futures for speculating
Suppose the price of gold is $2,000 per troy ounce and a hedge fund manager expects the price of gold to fall in the next 30 days. Since the fund doesn’t own or have a long position in gold, they can’t sell to realise profits from existing positions. With a futures contract, the hedge fund can open a short position for one gold contract. With leverage, they can open a position with US$200,000 notional value with just a US$9,000 margin. 

Supposing the hedge fund was correct, and the price of gold fell to US$1,810 per troy ounce on the expiry date, they settle the futures contract in cash and realise a profit of US$19,000.

New Zealand futures market

There is only one futures exchange in New Zealand; it’s operated by NZX and has a relatively small futures market. The products available on the NZX are:
  • S&P/NZX 20 Capital Index futures
  • Whole milk powder (WMP) futures   
  • Skim milk powder (SMP) futures
  • Butter (BTR) futures
  • Anhydrous milk fat (AMF) futures
  • Milk Price (MKP) futures

As a trader, you can’t go directly to NZX to trade products from the markets they operate. Instead, you should register with a market participant providing derivative products. NZX maintains a list of market participants. Keep in mind that not all participants provide access to all available markets. For example, Sharesies is an NZX member but doesn’t offer access to NZX futures markets.

Considering all but one of the few futures markets NZX hosts are dairy products, the brokers providing access to them target institutional clients, such as dairy farmers and the wholesale foodservice industry, rather than our average reader.

New Zealand futures market regulations
In New Zealand, financial product market operators are regulated by the Financial Markets Authority under the Financial Markets Conduct Act. The FMA publishes an annual NZX Review Report. The report aims to understand how well a licensed market operator is meeting its obligations.

Futures Trading NZ

Futures compared other derivatives such as CFDs, options and forwards

Futures are just one of many derivative products available to trade in the financial markets. The most common alternative derivatives to futures are CFDs, options and forwards, compared in this section:

1. Difference between futures and contracts for difference
A contract for difference, otherwise known as a CFD, is a leveraged instrument used to enter long or short positions on various financial markets without owning the underlying asset. Like futures, CFDs are used to speculate on all manner of financial markets. It’s even possible to have CFDs where the underlying asset is a futures contract, meaning CFDs can be a derivative of a derivative. 

The main difference between a CFD and a futures contract is the cost of holding a position and the ease of exiting a position. In general, CFDs are more convenient because profits and losses are instantly settled, making them suitable for short-term operations but expensive to hold overnight. CFDs are an over-the-counter traded product, which means the counterparty is a broker rather than an exchange. Futures are traded on an exchange, which is arguably more transparent than CFDs. However, futures have fixed expiry dates, making them complicated to exit, but they are cheap to hold for longer periods. 

2. Difference between futures and options
Options contracts are also exchange-traded derivatives and often sold alongside futures. However, options have very different characteristics to futures. An options contract gives the trader the option to buy the underlying asset upon expiry. Unlike futures contracts, which have fixed expiry dates, the trader determines the expiry of an option. 

When writing an options contract, the trader chooses the price they want to buy or sell the asset for in the future, also known as the strike price. Traders pay a premium to initiate the contract. The closer the expiry date and strike price to the current date and price, the higher the premium. When the option contract expires out of the money, i.e. unprofitably, they can just abandon the contract and only lose the premium, meaning options have limited risk. 

The main difference between futures and options is that options have limited risk, whereas futures have unlimited risk. However, a futures contract has an intrinsic value when they expire, whereas a futures contract becomes less valuable as the expiry date approaches. 

3. Difference between futures and forwards
Futures and forwards contracts are very similar. The main difference between the two instruments is that forwards are private agreements between two parties, meaning they are over-the-counter instruments. In contrast, futures contracts are traded on regulated exchanges.

Futures brokers for New Zealand residents

To access a futures market, you need to go via a broker with membership to an exchange. Not every broker is a member of every exchange, so you should consider what products you want to trade before deciding on a broker.
Futures Trading NZ

Tiger Brokers (NZ)

Tiger Brokers (NZ) is one of the largest online brokers amongst the Chinese trading community and gaining popularity in other parts of the world. The company offers access to US, Hong Kong, Chinese, Singaporean, and Australian markets. Tiger Brokers supports stocks & ETF trading, futures, options and warrants. Futures products include indices, treasuries, metals, forex, commodities and equities.
Futures Trading NZ

Interactive Brokers

Interactive Brokers is an established international broker licensed in numerous jurisdictions 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.
Jarden Futures Trading

Jarden

Jarden offers futures trading in a broad range of frequently traded commodities, including:
  • Financial – major equity indices (S&P 500, ASX200, Dow Jones, DAX, Nikkei and FTSE etc.), Interest Rate products, Bank Bills, Eurodollars, Treasury Notes
  • Metals – precious and base metals including gold, silver, copper and platinum
  • Energies – West Texas crude oil, Brent crude, natural gas and heating oil
  • Grains – crops and agricultural products 
  • Livestock – lean hogs, pork belly, live cattle and feeder cattle
  • Softs – cocoa, sugar, coffee and orange juice

Jarden's customers trade online with their dedicated futures and options platform, MarketTrader. Alternatively, customers can place orders over the phone with their deals team. You can read more about their futures trading service here.

If you want to trade Futures, please be aware of the significant risks. Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2023 Editor's Choice Awards and offers Futures Trading:

  • Tiger Brokers (NZ) is a low-cost broker. Currently, the broker offers the lowest commissions, 0.35% FX fees and free level-2 data on US-listed shares and ETFs. For US shares, it's a lower-cost alternative to Hatch, Sharesies, Stake and Interactive Brokers.
  • The company offers access to US, Hong Kong, Singaporean and Australian stock markets and China A-Shares. Altogether, over 7,000 shares are listed on the platform.
  • Exclusive sign-up benefits: In discussions with Tiger Brokers (NZ), their team has advised us that anyone signing up via MoneyHub will receive the following:
  1. Zero transaction fees (e.g. brokerage fees) four times for US and ASX shares every month, for life.
  2. Zero currency exchange fees for the first NZ$2,000 of currency exchanged every month, for life (NZD to/from USD and AUD)
  3. A NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit.
  • Our view is simple: With all other platforms charging fees (Stake, Hatch, Sharesies, Superhero etc.) for FX and/or share brokerage/transaction, Tiger Brokers' offer is unrivalled in New Zealand.
  • Competition Promotion: Open an account and deposit at least NZD 2,000 within 7 days of your first deposit to go into the draw to win an iPhone 15. The winner will be drawn on the 25th of October 2023. 

MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is focused on global investing, and at a time when some other platforms have raised their fees, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. Tiger Brokers is the only global online player to have a local Auckland-based team and to be regulated in New Zealand. It focuses on delivering low fees to global market investors looking to build wealth using shares, futures and options. It continues to innovate and has recently launched auto-invest, fractional shares and its own TigerGPT investment chatbot."
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

Futures Trading NZ

Top Five Futures Exchanges

Although you need a relationship with a broker to access futures markets, the underlying exchange is still important. They host the market, are responsible for contract specifications and are the venue connecting and centralising buyers and sellers. Liquidity is an important consideration when trading exchange-traded products. 

According to the Futures Industry Association, here is a list of the largest derivatives exchanges, facilitating futures and options markets, based on the number of contracts traded in 2019. Keep in mind, the number of contracts traded isn’t the same as the notional value in dollars. One contract can have a notional value of hundreds of thousands of dollars.

1. National Stock Exchange of India - 5.96 trillion contracts
In 2019, the National Stock Exchange of India traded 5,960,653,879 derivatives contracts and earned the title of being the largest derivatives exchange in the world. The National Stock Exchange of India (NSE) hosts currency, index, stocks and interest rate derivatives.

The NSE does not host any commodities markets. The largest asset classes traded as derivatives on the exchange are stocks and indices. The entire stock and index derivatives market in April 2021 was ₹ cr. 46,65,024.4, equivalent to NZ$807.6 bn daily turnover. 

The NSE also has an active currency derivatives market as the exchange is one of the only places to trade or speculate on currency markets in the country due to strict capital controls. The average daily turnover of currency derivatives for the same period was ₹ cr. 87,683.97, equivalent to NZ$16.9 bn.

2. CME Group - 4.83 trillion
In 2019, the Chicago Mercantile Exchange Group traded 4,830,045,396 derivatives contracts. In June 2021, the largest market on the exchange was equity index derivatives which accounted for an estimated daily notional value of US$688 bn, equivalent to NZ$922.7 bn. One of the unique characteristics of CME is the exchange offers E-mini and Micro E-mini futures, meaning the contract’s notional value is lower, making it more accessible to smaller investors and traders.

3. B3 - 3.88 trillion
In 2019, the Brasil, Bolsa, Balcão, better known as the B3, traded 3,880,624,283 derivatives contracts. The most-traded market on the B3 exchange is the Bovespa Index, also known as the IBrX-50, consisting of the 50 most liquid stocks on the B3. 

4. Intercontinental Exchange - 2.256 trillion
In 2019, the Intercontinental Exchange, also known as ICE, traded 2,256,762,531 derivatives contracts. The ICE Group operates 13 regulated exchanges, including ICE futures and OTC exchanges in the United States, Canada, Europe and Singapore. It’s also the parent company of the famous New York Stock Exchange. The most-traded derivative products on ICE are energy markets. 

5. Eurex - 1.947 trillion
In 2019, the Eurex traded 1,947,144,196 derivatives contracts. Eurex is owned by Deutsche Boerse AG. The two main derivative products on Eurex are EURO STOXX 50 stock index futures Euro-Bund futures.

Futures Trading NZ

Frequently asked questions

Can I trade futures from New Zealand?

Yes, you can trade futures from any exchange. To trade futures, you need to find the right broker that accepts New Zealand customers and has memberships with futures exchanges such as the CME, NYMEX, ICE and others.

Why are futures prices different to spot prices?

The difference is because futures prices are what people are willing to pay in the future, not today. Therefore, you see a small difference between current spot prices, upcoming futures contracts and distant contracts. See the image below for context. This chart shows the crude oil spot price and the price of the CZL2021 (crude oil December 2021 futures contract). As you can see, the spot price is higher than the futures price.

What is the largest futures exchange in the world?

The largest derivatives exchange offering futures markets is the National Stock Exchange of India (NSE). Although the NSE holds the record for the most contracts traded annually, you should keep in mind the exchange primarily offers Indian equity markets and currency derivatives.

What products can I trade as a futures contract?

There are almost no limits to what can be traded as a futures contract. You’ll find everything from cryptocurrencies to California carbon allowances, from crude oil to coffee. Essentially anything with value to speculators or industries can be packaged as a futures contract to profit from or protect against price fluctuations.

If you want to trade Futures, please be aware of the significant risks. Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2023 Editor's Choice Awards and offers Futures Trading:

  • ​Tiger Brokers (NZ) is a low-cost broker. Currently, the broker offers the lowest commissions, 0.35% FX fees and free level-2 data on US-listed shares and ETFs. For US shares, it's a lower-cost alternative to Hatch, Sharesies, Stake and Interactive Brokers.
  • The company offers access to US, Hong Kong, Singaporean and Australian stock markets and China A-Shares. Altogether, over 7,000 shares are listed on the platform.
  • Exclusive sign-up benefits: In discussions with Tiger Brokers (NZ), their team has advised us that anyone signing up via MoneyHub will receive the following:
  1. Zero transaction fees (e.g. brokerage fees) four times for US and ASX shares every month, for life.
  2. Zero currency exchange fees for the first NZ$2,000 of currency exchanged every month, for life (NZD to/from USD and AUD)
  3. A NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit.
  • Our view is simple: With all other platforms charging fees (Stake, Hatch, Sharesies, Superhero etc.) for FX and/or share brokerage/transaction, Tiger Brokers' offer is unrivalled in New Zealand.
  • Competition Promotion: Open an account and deposit at least NZD 2,000 within 7 days of your first deposit to go into the draw to win an iPhone 15. The winner will be drawn on the 25th of October 2023. 

MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is focused on global investing, and at a time when some other platforms have raised their fees, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. Tiger Brokers is the only global online player to have a local Auckland-based team and to be regulated in New Zealand. It focuses on delivering low fees to global market investors looking to build wealth using shares, futures and options. It continues to innovate and has recently launched auto-invest, fractional shares and its own TigerGPT investment chatbot."
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

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