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
        • 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
    • 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
  • 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
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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How to Invest in the Asian Markets from New Zealand

Platforms like Tiger Brokers (NZ), Interactive Brokers and Smartshares make investing in Asian markets effortlessly accessible - our guide explains everything you need to do before you invest, the risks and what to be aware of.
Investing in Asian Markets from New Zealand
Updated 15 August 2024

​With companies like Alibaba, Nio Inc, Tencent and Toyota becoming some of the world's most valuable, the opportunities from investing in Asian markets are endless. Comparing what’s available on the NZX (Auckland Airport, a2 Milk and Spark, among others), it’s perfectly reasonable to want to invest in high profile Asian-based heavyweights. Thanks to several investment platforms, New Zealanders have the opportunity to do just that. Best of all, the platforms compete vigorously with each other, helping drive down the trading fees to record lows.

Investing in Asia - Must-Know Facts:
  1. Singapore, Japan and Hong Kong are highly regulated, but other markets (e.g. Thailand and China) can be riskier. 
  2. Many Asian companies list on US exchanges, which means you can invest and hold in USD.
  3. New Zealand-based ETFs/funds (such as Smartshares and Superlife) offer diversified Asian market-specific investments for anyone who wants a passive approach. There's also less need to undertake in-depth due diligence of individual shares to invest in. That being said, it has never been cheaper to invest in Asia either directly or via funds or ETFs.
  4. China is emerging and on course to become the world's biggest economy. With this comes a lot of opportunities (alongside significant risks). As an emerging market, China's business language is not Mandarin and Cantonese, not English. For this reason, many high-growth Chinese companies choose to list on the US markets where capital raising is relatively more accessible, and there is a larger investor pool.

In this guide, we outline and explain:
  • Asian Markets in a Nutshell
  • ​Investing in Asian Markets - All the Options Specified and Compared
  • ​5 Must-Know Facts about Investing in Asian Markets
  • Benefits and the Bottom Line – What to Watch Out For When Investing in Asian Markets from New Zealand
  • Investing in Asia – Frequently Asked Questions

Investing in Asian Markets from NZ

Asian Markets in a Nutshell

  • Outside of Australia and New Zealand markets, which are often classed as "Asian" or "Australasian" investments, there are four key markets commonly invested in by New Zealanders - Singapore, Hong Kong, Japan and China.
  • Japan, Hong Kong and Singapore are (arguably) the most developed and investor-friendly in the Asia region.
  • Japan is the largest market by capitalisation (led by giants such as Toyota, SONY and SoftBank). Hong Kong-listed companies include multinationals such as MGM China, while Singapore many industrials, Singtel (a phone network) and Singapore Airlines. China is an emerging market;

Hong Kong
The Hong Kong Stock Exchange is one of the world's largest and lists many international and Chinese companies, including AIA, Tencent Holdings, Industrial and Commercial Bank of China, China Construction Bank and Bank of China. Other companies include MGM China (owner of cinemas), Swire Pacific (owner of Cathay Pacific) and CK Hutchison Holdings (a port operator). You can get an idea of the market performance by looking at the HK 35 index.

Investing in Hong Kong can be done directly (i.e. into HKD-denominated shares) or via ETFs listed in New Zealand, Australia and the US. For example, the Hong Kong iShares ETF tracks the Hang Seng. You can see its recent performance here.

Singapore
The Singapore Exchange includes some of the city-state's biggest companies - DBS, UOB and OCBC (banks), Singapore Airlines, Singtel (phone network) and SATS (airport operator), alongside giant industrials. Singapore's equity index is represented by the Straits Times Index, STI, which tracks the performance of the top 30 companies listed on the Singapore Exchange.

Investing in Singaporean companies can be done directly (i.e. into SGD-denominated shares) or via ETFs listed in New Zealand, Australia and the US. For example, the Singapore ETF tracks the STI. You can see its recent performance here. Some Singaporean companies also list on the US markets, with examples including Flex Inc (a semiconductor manufacturer) and Sea Limited (a tech company).

Japan

The Tokyo Stock Exchange is the third-largest market globally in terms of market cap and has over 2,000 companies listed. The Japanese market is heavy with industrials (Kawasaki, Toyota, Honda etc), pharma, oil, engineering and technology. Investing in Japan can be done directly, via an ETF (such as Smartshares' Japan Equities ESG ETF (JPN) or a non-NZD ETF) or a managed fund.

China
The Shanghai Stock Exchange (SSE) and the Shenzhen Stock Exchange are China's two sharemarkets. Both have restrictions on access to foreign investors set by the Chinese government. The SSE is by far the largest, with over 1,900 companies list and a US$4 trillion market cap. Major companies include the Industrial and Commercial Bank of China, the Agricultural Bank of China and the Bank of China. A popular way to invest in China is via an ETF, with the Deutsche Xtrackers Harvest CSI 300 China A-Shares Exchange ETF (ASHR) which invests in China Class A shares listed on Shenzhen and Shanghai exchanges.

Know This: Asian Markets Specialist Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2023 Editor's Choice Awards:

  • ​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.​

*Flat fees will be waived, and pass-through fees and T&Cs apply.

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)

Investing in Asian Markets from NZ

​Investing in Asia - All the Options Compared

There are many ways you can invest in Asian shares, including ETFs, managed funds, direct share investments and via KiwiSaver. We outline the most common options below:

1. New Zealand-based ETFs investing in Asia
Arguably, the least complicated and most diversified way to invest in Asia is via an NZD-denominated ETF or a managed fund. Smartshares (an ETF provider) is one example and currently offers three investment options with an Asian focus:
  • Japan Equities ESG ETF (JPN), which has a "diversified exposure" to Japanese companies.
  • Emerging Markets ETF (EMF), which FTSE Emerging Markets All Cap China A Inclusion Index, a portfolio of thousands of China and emerging market-based companies. You can see examples of investments and the weightings here.
  • Asia Pacific ETF (APA), which invests in financial products included in the FTSE Developed Asia Pacific All Cap Index, which invests in large, mid and small-cap companies in Australia, Hong Kong, Japan, Korea, New Zealand and Singapore.

2. New Zealand-based KiwiSaver and Managed Funds investing Asia
While Smartshares are popular, only Superlife offers Asian-specific investment options. Superlife offers both KiwiSaver and managed fund investments, and is a fund-version of Smartshares' ETFs. The Asia-focused funds include:
  • Emerging Markets Fund invests in companies globally, although it's heavily weighted to China, Taiwan and India, with minor holdings in Thailand and Malaysia.
  • Superlife's Asia Pacific Fund invests in companies based in Japan, Australia, Korea, Hong Kong, Singapore and New Zealand.

3. New Zealand-based Share/ETF Investment Platforms investing in Asian Markets
While there has been a rise in Sharesies-type investing for the NZX and US markets, only Tiger Brokers (NZ) offers direct equity access to Hong Kong, Singapore, Australia, China and US markets.

4. New Zealand-based Share/ETF Investment Platforms investing in Asian Markets via US ETFs and shares
Stake, Tiger Brokers, Sharesies and Hatch offer the opportunity to buy and sell US-listed shares. None of the platforms charge monthly fees, so you're free to join just more than one while keeping your ongoing costs down. Our guide to Hatch vs Sharesies vs Stake reveals each platform’s competitive edge, while Tiger Brokers (NZ) is reviewed separately.

Other options offering US investments:
  • InvestNow – offers 30+ US-based funds, both index and actively managed, some of which may have Asian-focused investment. Our InvestNow review outlines more.
  • ASB Securities and Jarden Direct offer US trading via their platforms; our ASB Securities review and Jarden Direct review outlines more.

Investing in Asian Markets from NZ

​5 Must-Know Facts about Investing in the Asian Markets

Before making your first investment, it's important to know how the platforms compare and what to consider before going further. The ultimate of each platform is to minimise investor costs and maximise returns, so being aware of the key differences will help you find a platform that's right for you.
Investing in Asian Markets from NZ

​Brokerage fees vary between platform – some are free

Brokerage fees are charged whenever you buy and sell shares. You’ll pay anything from $0 to US$30+ per trade, which adds up if you make a few trades and are paying above-average to do so. Stake proudly offers 0% brokerage fees, which is the cheapest brokerage option available to New Zealanders right now. Tiger Brokers (NZ) charges per-trade fees for investing in US and Asian markets, as does Interactive Brokers. ASB Securities, by comparison, charge the most. In general, the lower the brokerage fee, the more profitable your investments will be.
Investing in Asian Markets from NZ

​If you invest in non-NZD Asian investments, you may pay to convert NZD to USD, SGD, HKD etc. For this reason, it's important to know the margin before you invest

Most platforms use the foreign exchange spot rate (the market rate that banks use) and charge a fee on top as a way to make money. This is paid upfront (when you convert NZD) and also when you sell the investment and elect to convert the money back into NZD. This can be avoided if you invest in a New Zealand-based ETF or managed fund that invests in Asian companies (something which is offered by Smartshares). Investment platform FX fees for non-NZD investments are as followed:
  • Tiger Brokers (NZ) currently offers zero commissions and zero FX fees, making it one of the most affordable ways to invest in Asian, Australian and/or US markets.
  • US-focused platforms charge different FX fees - Stake (1.00%), Hatch (0.50%) and Sharesies (0.50%). This means if you invest USD 1,000 into any share, you'll pay USD 5 - 10 in FX fees, depending on what platform you use.
Investing in Asian Markets from NZ

​Most platforms are free to use with no monthly fees

Most are free or offer a ‘freemium’ model, which means you’ll only pay when you trade. For direct Asian investments, Tiger Brokers offers the widest number of markets (US, Hong Kong, Singapore, Australia and China) without any ongoing monthly fee. Sharesies offers US, Australia and New Zealand markets without an ongoing fee either. Stake and Hatch offer US markets, although investors have the option to upgrade to a paid Stake account for the ability to trade on unsettled funds (suitable day trading) and stop-loss (which means you won’t lose money if the US share markets drop overnight while you sleep in New Zealand).

Whatever you decide, the fees are low, and you won't incur ongoing membership or platform fees if you sit and hold your investments.
Investing in Asian Markets from NZ

​User experience and depth of data is key – make sure you ‘road test’ the platforms to find out what works for you

The more data a platform offers, generally, the more informed you’ll be about a company's price history. Listed Asian companies in Singapore, Hong Kong and the US make announcements in English, so it's easier to follow them. You can use Google Finance or Fool.com to see the latest data, news and analyst reports. For in-platform reporting, Tiger Brokers (NZ), Hatch, Sharesies and Stake are examples of platforms that deliver live share price updates, graphs and the ability to search by sector etc. Another consideration is whether you prefer to use an app or a website, or both. Some platforms are website-only, so this can limit your options if you want the convenience of on-the-go access.
Investing in Asian Markets from NZ

​Know upfront how customer support is handled

Is support phone-based, e-mail only or chat-bot? And is support available during the Asian market hours (around 1pm to 10pm in New Zealand), or during New Zealand work hours? While the customers of most platforms don’t tend to require ‘urgent’ support given most investing is done with a long-term objective, it’s still a consideration to make. If you're quite particular on the support level you need, this will influence the platform significantly.

Know This: Asian Markets Specialist Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2023 Editor's Choice Awards:

  • 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.​​

*Flat fees will be waived, and pass-through fees and T&Cs apply.

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)

Investing in Asian Markets from NZ

Benefits, Risks and the Bottom Line – What to Watch Out For When Investing in Asian Companies from New Zealand

Benefits:
  • Enormous potential for investments – the NZX offers around 200 companies and ETFs (and arguably, many small companies listed don’t do much). Investing in Asian companies, funds and sectors opens up thousands of companies and ETFs. Arguably, no Asian country's economy and prospects are the same. For example, Singapore is more developed than neighbouring Malaysia and Indonesia, which have different sectors than Hong Kong and China. For this reason, there is a tremendous amount of diversity, opportunity and risk in Asia.
  • Low fees – before 2018, investing in Asia (or Asia vs US markets) was arguably expensive and inaccessible with the exception of some value-driven ETFs like Smartshares. The arrival of Tiger Brokers (NZ) has changed that when it comes to investing in Hong Kong, Singapore and China. Sharesies, Stake and Hatch have innovated low-fee US investments.

Risks:
  • Exchange rates fluctuate – if the NZD becomes stronger against, for example, the HKD, your investments will be worth less in NZD, all other things being equal, in NZD. This means that if you invest NZ$10,000 and the NZD:HKG moves from 5.00 to 5.50, your money is worth around NZ$1,000 less if you converted back into NZD at the NZD/HKD 5.50 rate.
  • Unlike the NZX50 which is open from 10am to 4:30pm, the Asian markets open later in the day (around 1pm New Zealand time for Singapore/Hong Kong/China/Japan) and stay open until about 10pm. If you're looking to actively invest, you'll need to factor that in when deciding to buy and sell shares.
  • It’s harder to observe local Asian market conditions and company announcements in New Zealand – while there is endless data and stock pick websites pumping out sharemarket noise, New Zealand is somewhat disconnected from Asia when it comes to investment news. For example, a2 milk was first seen in New Zealand supermarkets and had local press promoting its health benefits. Its shares slowly, then rapidly, moved from 25 cents to $18 (before crashing). If you are an investor who likes to see what you’re investing in, picking Asian companies can be harder to interpret.

Overall, we say:
  1. There's a lot of potential upside from investing in Asian markets, but never invest any more than you can afford to lose. 
  2. No Asian country is like another, which means there's a lot of opportunities (and risks); thorough research is strongly suggested.
  3. Asian companies continue to come to float on local and US markets, with Nio Inc, Alibaba, Tencent Holdings Ltd and Tiger Brokers being recent examples. However, Tencent and Luckin Coffee being recent examples. However, as with any investment, not everything is always what it seems. After its NYSE debut, Luckin Coffee was fined for defrauding investors and is now facing bankruptcy.
  4. The China Hustle is a 2017 finance documentary that reveals systematic and formulaic decades-long securities fraud by Chinese companies listed on the US stock market and is worth watching to see how capital markets are manipulated when specific countries lack investor regulation. This is not the issue for the likes of Singapore, Australia, Hong Kong and many others, but investor fraud is something to be aware of.
  5. Newly launched platforms are safe and have made it affordable and easy to buy and sell Asian investments.
  6. Whatever market conditions are, there's arguably always more buying opportunities in Asia than what you'll find on the NZX.

Investing in Asian Markets from NZ

Investing in Asia – Frequently Asked Questions

Investing in the Asian markets needs some thought when it comes to foreign exchange rates, tax, investment management and more. Our section below explains what you need to know. If we're missing something you'd like answered, please contact our research team.

What happens to my investment when the exchange rate changes? (e.g. movements in NZD:HKD, NZD:SGD, NZD:CNY and NZD:USD etc)

No investment platform (such as Tiger Brokers (NZ), Stake, Hatch or Sharesies) offers hedging options for share and ETF purchases. This means that there’s no arrangement to mitigate any move in the exchange rate. For example, if the NZD goes up against the USD or AUD, and all other things being equal, the NZD value of an investment will be less due to the USD and AUD being worth less. But you won’t see that in real terms unless you sell the investment and convert the USD or AUD back into NZD.

If you wish to invest in hedged Asian investments, Smartshares and InvestNow offer some ETF and managed funds options. Keep in mind that there is always a hedging fee added to the annual management fee, usually around 0.30% to 0.50% p.a.

What do I need to do about tax and the IRD in general when it comes to investing in Asia?

Tax can be complicated - our guide to tax on investments outlines what you need to know. Specifically:
  1. There is no tax on the gains from investing in New Zealand and most Australian shares. However, tax on foreign shares (e.g. Asia, US or UK based etc.) valued at over NZ$50,000 is calculated under the FIF rules, which includes consideration of any capital gains.
  2. There are two methods of calculating tax under the FIF rules being either FDR or CV; the method that produces the lowest tax is chosen. This can be complicated, so we suggest reading an expert guide to help you understand your obligations if you own shares investing in Asia.
  3. However. if you invest in overseas shares through a New Zealand-based managed fund, ETF or Kiwisaver provider, the fund manager will calculate and pay any FIF taxes through the fund.
  4. Many people invest in Asia via US markets. When you have US-based investments, there are two tax obligations – US Federal and New Zealand taxes. The Stake, Sharesies and Hatch platforms take care of all US tax obligations at source (a small fee applies). This means your returns are net of US tax (around 15% for most investors’ dividends and distributions), and you don’t need to do any paperwork as it’s done on your behalf by your platform’s partners.

Is my money safe, and who owns the shares I invest in?

This will depend on what you buy and what platform you use. Please ask this question before making any investment. These best approach is to get the answer in writing.

Can I invest in Asian-based shares and ETFs from New Zealand?

Yes – Tiger Brokers (NZ), Stake, Sharesies and Hatch all offer a number of ETFs on their platforms, and selected New Zealand fund managers offer investments that include Asian-based companies. A good place to start is looking at the ETF options available on Smartshares, Tiger Brokers (NZ), Stake, Sharesies and Hatch; there are currently hundreds of individual Asian companies and ETFs available.

I want to invest in Asian markets using a platform, but are there alternatives to investing in shares directly?

Yes – many people find selecting individual shares complicated. For this reason, ETFs offer the opportunity to invest in a number of Asian companies listed in China, Japan, Singapore, Taiwan, Hong Kong and other tiger economies. ETFs offer diversification that's less time-consuming compared to making individual shareholdings. ETFs can be purchased to track individual sharemarkets or sector investing. For example:
  1. Singapore - The SPDR Straits Times Index ETF, traded on the SGX, invests in Singapore's largest companies.
  2. Hong Kong - The Hang Seng Index ETF, traded on the Hang Seng, invests in Hong Kong's largest companies.

There are hundreds of US-traded Asian investing ETFs. They are popular options for achieving exposure to specific economies (e.g. Taiwan, Singapore etc.). Examples include:
  • EWT - iShares MSCI Taiwan ETF (this ETF invests in Taiwan's largest companies)
  • EWY - iShares MSCI South Korea ETF (this ETF invests in South Korea's largest companies)
  • AIA - iShares Asia 50 ETF (this ETF isn't country-specific. Instead, it offers "broad exposure to the 'Asian Tiger' countries of Hong Kong, South Korea, Singapore, and Taiwan investing in large caps in these four nations".
  • EWS - iShares MSCI Singapore ETF (this ETF invests in Singapore's largest companies)
  • FLAX - Franklin FTSE Asia ex Japan ETF (this ETF invests in China, South Korea, Hong Kong, India, Indonesia, Malaysia, Pakistan, the Philippines, Singapore, Taiwan, and Thailand companies, and, as the name suggests, excludes Japanese companies)
  • FLHK - Franklin FTSE Hong Kong ETF (this ETF invests in Hong Kong's largest companies)

How much of my portfolio should I invest in Asian shares?

MoneyHub isn't a financial adviser, so we can't suggest any appropriate ratio. As with any investment, diversification is the key to managing risk. Keeping your savings in cash, term investments/fixed-interest, a portfolio of shares and a handful of managed funds is a proven way to minimise your exposure to any one investment. Asian markets are no more (or less) volatile than the US, Australia and New Zealand, so investing prudently is the best approach to long-term wealth creation.

Know This: Asian Markets Specialist Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2023 Editor's Choice Awards:

  • 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.​​​

*Flat fees will be waived, and pass-through fees and T&Cs apply.

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)
​Related guides
  • Tiger Brokers (NZ) Review
  • Interactive Brokers Review
  • Smartshares Review
  • Stake Review
  • Hatch Review
  • Sharesies Review
  • Stake vs Hatch vs Sharesies
  • Managed Funds
  • Investing Guide
  • How to Invest in Shares
  • Index Funds
  • InvestNow Review​
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    • Introduction to Investing
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          • Other Coins
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  • Loans & Finance
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  • Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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      • kōura Wealth KiwiSaver Review
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        • MAS Review
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Best of New Zealand
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      • Queenstown Like a Local
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    • Foreign Currency Exchange
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  • Travel Insurance
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  • Mobile & SIM
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  • Broadband
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