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
        • 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 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
        • 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
        • Investing Guide
        • 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 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
        • 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
      • 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
      • 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
      • 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
    • 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
      • 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
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • 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
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • 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
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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How to Invest Regularly for Long-Term Wealth Creation

Our guide explains the benefits of auto-investing, what platforms offer it, what you can invest in and what it will cost.
How to Invest Regularly and Auto-Invest NZ
Updated 17 July 2024 
Summary:
  • ​Auto-investing is the process of regularly contributing money to an investment platform to buy shares, funds or a mixture of the two.
  • There are arguably no downsides to auto-investing, but you will first need to decide what to invest in and then estimate how much you can sustainably afford to start a journey to wealth creation.
  • Sharesies, Kernel, Hatch, InvestNow, Tiger Brokers (NZ) and Smartshares lead the way with auto-investing features, and we have reviewed their offerings in detail below. These platforms offer mix-and-match funds, share purchases and curated funds. The service is either free or limited to standard transaction fees.
  • Having reviewed the options, our view is that Kernel, InvestNow and Tiger Brokers (NZ) offer the greatest flexibility and lowest costs for auto-investing in local and global funds and ETFs, while Hatch exclusively offers US share auto-investing, which will appeal to anyone wanting to auto-build a US-listed share portfolio.
  • Beyond the major investing platforms, almost every fund manager in New Zealand will take your money if you set up an automatic payment, so your options are not limited to five platforms. The only limitation will be a 'minimum deposit', which may be as high as $1,000 per fund in some cases.
  • If you want to auto-invest in your KiwiSaver fund beyond your employer/employee contributions, you can do this too. However, once the money is transferred, there are few opportunities to withdraw it (outside of first home purchase, retirement, emigration, hardship or death).

To explain your options and what you need to consider, our guide covers:
  • Advantages of Auto-Investing
  • Auto-Investing Platforms: Sharesies vs Hatch vs InvestNow vs Kernel vs Smartshares
  • Alternative Platforms and Setting Up Auto-payments With Your Bank
  • Frequently Asked Questions
  • Conclusion - Is Auto-investing Right for You?

Know This First: What do I need to do to start auto-investing?

You will need to decide what to invest in, the amount you want to invest, how regularly you invest, and what platform to use. Each platform offers unique investments, so it's best to decide first what investments you prefer, as this will drive what platform you can use. For example, Hatch's auto-invest feature will only let you buy US-listed shares, while Kernel specialises in index funds and InvestNow offers ETFs and managed funds.

What matters most is that you are realistic about the amount you want to contribute to on a regular basis. If you invest too little, it may be a lost opportunity, while investing too much (and having it become unaffordable) isn't a good idea either. The best starting point is estimating what you can afford, start with that, and then review the amount after getting familiar with the idea of money regularly leaving your bank account. 

How does it work?
Once you've chosen an investing platform and the investments you'd like to regularly contribute to, it's time to set up the money flow. While each platform's requirements may be slightly different, generally, the process to start auto-investing is the same, as we outline:

Step 1 - You will set how much you want to invest and when you'd like to invest. For example, it could be $50 every week, starting on 1 March. 
Step 2 - Set up an automatic payment with your bank to send money to the investing platform. 
Step 3 - Keep enough money in your bank account to make sure the payments clear. It may be worthwhile setting up an alert to let you know a day or two before that your auto-payment is due.

MoneyHub Founder Christopher Walsh shares his views on automatic investing plans:

"I love automatic investing and, like regular KiwiSaver contributions, it's a proven way to grow your investments while limiting the risk of short-term losses".

"It all comes down to willpower, but the most successful New Zealanders are those who make regular (e.g. weekly or fortnightly) contributions that make a difference. While some platforms advertise 'one dollar' investments, you have to think about what you want to save per year and work backwards. So, for example, if you like the idea of saving $2,000 a year, investing $40 a week is a good starting point. The good news is that $2,000 for five years is $10,000, which, with the right investment and benefit of compounding returns, has the potential to be much higher".

"Of course, the 'right' investment isn't always obvious, and many New Zealanders have been burned previously with bad players. Thankfully investing in proven investments (such as S&P500 or NZX50 funds, and funds that invest in the world's leading companies) are widely available and have never been more accessible".

"Whatever you decide to do, patience and commitment are the keys to growing a healthy investment balance that gives you choices and freedom later on".
Picture
MoneyHub Founder Christopher Walsh

Kernel Logo NZ
Visit Kernel
Your investor guide to investing regularly is sponsored by our friends at Kernel, a leading New Zealand-based index fund manager.
  • Kernel is a strong-performing index fund specialist - our review explains more.
  • Kernel is 100% Kiwi owned and are committed to no-nonsense index funds with low, transparent fees.
  • Trusted by thousands of Kiwis, Kernel offers easily accessible index fund investing, high interest savings accounts and KiwiSaver.
  • Kernel is suitable for investors with a short, medium or long-term investment timeframe.

How to Invest Regularly and Auto-Invest NZ

Advantages of Auto-Investing:

There are arguably no downsides to auto-investing. On the contrary, we believe that every dollar you can save for the future will exponentially help you later. To explain further, we list five must-know advantages:
How to Invest Regularly and Auto-Invest NZ

You don't need to 'save up to invest

Rather than save $500 or $1,000 etc., to invest, automatic investing lets you grow your wealth from as little as $1 a week. Best of all, there are no excuses - you invest what's affordable regularly. As a result, small amounts turn into big amounts, and the nest egg keeps growing. 

Best of all, the money you invest works for you as soon as you add it in. With savings accounts and term deposit interest rates so low, top-performing dividend-producing shares and funds can be more rewarding in the short term and provide capital gains in the long term. In addition, regular contributions, no matter how big or small, maximise your returns faster.
How to Invest Regularly and Auto-Invest NZ

Dollar-Cost Averaging

The principle of dollar-cost averaging (DCA) is simple - you invest the same amount of money in a given investment at set intervals. DCA is a popular, time-tested investing system and remains the most popular investing system for New Zealanders. Our DCA guide explains it in detail. 

DCA avoids the risk of overpaying for a share or fund only to have it drop in value. For example, you save up $1,000 and buy shares in Mainfreight at $90, but it drops the week after to $81, meaning a negative 10% return on your investment. DCA avoids this and is a significant benefit of auto investing. Rather than saving up $1,000, you may invest $100 a month over ten months and buy the shares for less than $90. The average cost per share may be around $75, meaning the investment has more protection from losses. 

Overall, DCA is a long-term strategy which is why it works well with auto-investing.
How to Invest Regularly and Auto-Invest NZ

Reduced commission and fee costs (with the right platform)

Because many investing platforms compete fiercely, the winner is the investor regarding fees. Many funds and ETF platforms don't charge any fees to buy or sell because, arguably, they want to encourage as many regular contributions as possible.

Platforms like Sharesies and Hatch will charge a fee for shares purchased. InvestNow, Smartshares and Kernel, for example, will not. Platforms that don't charge brokerage or buy-in fees are arguably the most cost-effective as all of your money is invested.

How to Invest Regularly and Auto-Invest NZ

Your auto investing amount is treated as a bill, so you don't notice the 'cost'

Just like housing costs, phone bills and gym membership, auto investing is a regular expense that comes out of your bank account before you would otherwise spend the money.

For example, you may decide to set up a $200 auto-invest per fortnightly payday, $100 of which goes into funds, and another $100 goes into shares. You then have the option of increasing the auto-investment if you can comfortably live without the existing $200/fortnight.

Whatever you decide, the more you keep out of your bank account today is more money you'll have later when you need it for something important.

How to Invest Regularly and Auto-Invest NZ

Fractional shares

Many of the US shares favoured by investors cost over US$1,000, which would otherwise require some significant savings. However, Hatch is the only platform to include fractional shares in their auto investing offering. However, given the US$3 per trade minimum, it suggests a US$300 investment to keep fees to 1% of the investment. Alternatives include Kernel's Global 100 fund, which invests in companies such as Amazon and Alphabet, both with US$2,000+ share prices and without the brokerage/transaction fees. 

If you want to specifically buy dividend-producing shares (e.g. not funds or ETFs), buying fractional shares regularly with an auto investment is a low-cost way to achieve this. While you'll pay transaction fees, you'll minimise the time it takes to build up your income-producing portfolio.

Picture

Auto-Investing Platforms: Sharesies vs Hatch vs InvestNow vs Kernel vs Smartshares

The platforms listed below offer specific auto-investing features. Having reviewed the options, our view is that Kernel and InvestNow offer the greatest flexibility and lowest costs for auto-investing in local and global funds and ETFs, while Hatch exclusively offers US share auto-investing, which will appeal to anyone wanting to auto-build a US-listed share portfolio.

Other observations:
  • We believe investing in Smartshares ETFs is likely to be easier and more flexible using InvestNow.
  • Despite having access to US, Australian and New Zealand markets, Sharesies only offers a limited range of managed funds and Smartshares. Anyone purchasing Smartshares via Sharesies will be charged 0.50% brokerage (for investments under $3,000) compared to the InvestNow and Smartshares platforms which charge nothing.

Please note, many other investing platforms will accept automatic payments, as will your KiwiSaver. We outline the likely options below our review of the five platforms' auto-investing features.
InvestNow - How to Invest Regularly and Auto-Invest NZ

Product Name: InvestNow Regular Investment Plans

  • What can I invest in? InvestNow offers 100+ funds from popular fund active managers such as Milford, Harbour Asset Management, Fisher Funds, and ETF providers such as Smartshares.
  • Platform details: Our review of InvestNow explains what's available and what it costs. 
  • Auto-investing schedule: Weekly, fortnightly, monthly, quarterly or six-monthly.
  • Minimum auto-investment: $50 per fund.
  • Where does my money go? InvestNow lets investors mix and match from InvestNow's 100+ fund choices.
  • Costs to auto-invest: No charge. Standard ongoing fund fees apply to whatever you invest in. 
  • More details: InvestNow Regular Investment Plans.

Our view: InvestNow offer the greatest flexibility and lowest costs for auto-investing, with 100+ investment options, an easy-to-use interface, and no fees above the standard fund/ETF fees. It's also the most cost-effective and convenient way to invest in Smartshares.
Kernel Wealth - Invest Regularly and Auto-Invest NZ

Product Name: Kernel Auto-Invest

  • What can I invest in? Kernel offers 10+ index funds covering New Zealand and overseas markets in various sectors (property, infrastructure etc.) and indexes (NZX20, Global 100 companies etc.). 
  • Platform details: Our review of Kernel explains what's available and what it costs. 
  • Auto-investing schedule: Weekly, fortnightly, monthly or quarterly
  • Minimum auto-investment: No minimum
  • Where does my money go? Kernel lets investors 'mix and match' Kernel funds.
  • Costs to auto-invest: No charge. Standard Kernel fund fees apply to whatever you invest. 
  • More details: Kernel auto-invest summary.

Our view: Kernel's index fund fees are some of the cheapest in New Zealand, and its investing platform caters to anyone wanting to make auto-investing a habit. While the funds on offer are a fraction of those housed on InvestNow or Smartshares, the funds offer exposure to US markets, global infrastructure, New Zealand and developing technologies.
Tiger Brokers (NZ) - How to Invest Regularly and Auto-Invest NZ

Product Name: Tiger Brokers (NZ) Auto-Invest

  • What can I invest in? Tiger Brokers (NZ) offers all S&P500 companies and over 200 US ETFs as eligible for auto investment on Tiger Trade.
  • Platform details: Our review of Tiger Brokers (NZ) explains what's available and what it costs. 
  • Auto-investing schedule: Weekly, fortnightly or monthly
  • Minimum auto-investment: US$1
  • Where does my money go? Investors can auto-invest
  • Costs to auto-invest: Trading fees apply just like other US stocks trading. If you buy less than one share, the fee is 1% of the trading value, USD 1 max. e.g., if you choose to invest in Apple to the value of USD 5, the fee is USD 0.05.
  • More details: Tiger Brokers (NZ) auto-invest summary.

Our view: Tiger Brokers (NZ)'s offering is cheap and US-specific and aimed at people who want to dollar-cost average into ETFs and shares at the lowest possible price.
Hatch - How to Invest Regularly and Auto-Invest NZ

Product Name: Hatch Auto-Invest

  • What can I invest in? Hatch offers thousands of US-listed shares and ETFs, including everything from Apple, Amazon, and Microsoft to the latest companies listed on the NASDAQ.
  • Platform details: Our review of Hatch explains what's available and what it costs. 
  • Auto-investing schedule: Weekly, fortnightly, monthly or quarterly
  • Minimum auto-investment: No minimum, but due to the US$3 trade fee, it's more economical to build up a USD balance before auto-investing into any share.
  • Where does my money go? Hatch lets investors pick any shares they want and decide how much money to allocate to each company. 
  • Costs to auto-invest: Hatch charges US$3 per share purchase; this means to bring the cost of auto-investing to below 0.50%, you'll need to purchase US$600 of one company's shares every time you auto-invest.  
  • More details: Hatch's auto-invest summary explains what is on offer and what it costs.

Our view: Hatch is likely to appeal to New Zealand investors who want to build up shares in US-listed companies regularly. The platform is realistic in suggesting investors wait until they have contributed US$300 or US$600 to lower their brokerage costs to 1% and 0.50%, respectively. In addition, Hatch is unique in offering auto-invest for US shares, something not available on rival platforms Stake and Sharesies.
How to Invest Regularly and Auto-Invest NZ

Product Name: Smartshares Regular Savings Plan

  • What can I invest in? Smartshares offers 35 exchange-traded funds (ETFs) covering everything from Kiwi companies, global companies, emerging markets, mining and property to bonds and government debt.
  • Platform details: Our review of Smartshares explains what's available and what it costs. 
  • Auto-investing schedule: Monthly (on or around the 20th of each month)
  • Minimum auto-investment: $50 per fund, with a $1,500 initial investment in Smartshares (if buying directly from Smartshares).
  • Where does my money go? Smarthares lets investors mix and match ETFs to suit their needs, with a $50 per fund minimum. 
  • Costs to auto-invest: No charge to buy ETFs. Standard Smartshares ETF management fees apply to whatever you invest in. 
  • More details: Smartshares Regular Savings Plan summary.

Our view: Smartshares, like InvestNow, offers 35+ ETFs, but their auto-investing platform, known as the Regular Savings Plan, is limited in how frequent you can invest and is arguably more paper-based. Money is also taken by direct debit rather than an automatic payment.
Sharesies - How to Invest Regularly and Auto-Invest NZ

Product Name: Sharesies Auto-Invest

  • What can I invest in? Sharesies offers nine managed funds and 40+ ETFs by buying Smartshares.
  • Platform details: Our review of Sharesies explains what's available and what it costs. 
  • Auto-investing schedule: Weekly, fortnightly, monthly or quarterly
  • Minimum auto-investment: No minimum
  • Where does my money go? Sharesies offers three pre-made fund orders (focusing on ethical investing, global investing and young New Zealanders). You can also DIY auto-invest into any NZ-listed ETF or managed fund (per Sharesies' guidance).
  • Costs to auto-invest: ETFs purchases are charged brokerage, managed funds and pre-made orders are free (but subject to ongoing funds fees). 
  • More details: Sharesies auto-invest summary.

Our view: Sharesies is innovative in offering specialist fund mixers focusing on ethical investing, kids investing and global companies. However, it is uncompetitive when buying ETFs compared to InvestNow and Smartshares, given it charges brokerage. It also doesn't permit auto-investing in US or Australian markets.

How to Invest Regularly and Auto-Invest NZ

Alternative Platforms and Setting Up Auto-payments With Your Bank

If you'd like other options beyond auto-investing with the platforms above, almost every fund manager in New Zealand will accept regular automatic payments and auto-invest in your existing fund(s). We explain your options below:
Option 1 - Setting up an Automatic Payment to Fund a Regular Investment
  • Automatic payments are a simple option that lets you auto-invest in almost any managed fund. For example, if you're an existing investor and want to build up your balance, you can do so with an automatic payment from your bank. You will need your fund's investor number/reference code to insert into the bank's automatic payment details, so the fund manager knows who is paying the money in. 
  • Once the money is processed, additional units in your fund will be purchased, and your balance will increase as regularly as you invest. 
  • Investment managers like Simplicity Investment Funds, Booster, Pathfinder, Pie Funds, Harbour Asset Management, Milford Asset Management and Fisher Funds are examples of many who accept regular payments without any prior notification. However, some fund managers may have minimum contributions, so ask first before setting up an automatic payment.

Option 2 - Making Regular Additional Contributions to KiwiSaver
  • If you would like to contribute to KiwiSaver above your current employee and employer percentages, the fastest way to do so is using an automatic payment as described in Option 1 above. This means you'll need your investor reference and any special code to match up your payments with your fund. 
  • The benefit from automatic payments from your bank account directly into a KiwiSaver fund is that the process avoids the IRD, which has been known to sit on the money for weeks.
  • However, just like all KiwiSaver money, what you contribute can only be withdrawn for a home, hardship, permanent emigration, retirement or in the case of death.

How to Invest Regularly and Auto-Invest NZ

Frequently Asked Questions

When does auto-investing start once I've activated it?

Each investing platform will require you to select a start date and decide how regular you want the payments to be made. Once that is confirmed, you will set up an automatic payment with your bank to send money to your platform. Your first payment will be taken on the start date, and continue every week, fortnight, month or quarter, depending on the frequency you set up.

Will I be able to customise what I want to invest in and when I want to make the payments?

Yes - you have full control of what to invest in and how often you want to make the payments. However, generally, investing platforms prefer weekly, fortnightly, monthly or quarterly auto-investing.

Will I still be in control of my investments if I auto-invest?

Yes - money contributed using auto-investing is like any other payment, and you can sell your investments at any time or switch to another fund etc.

Will my auto-investing payments go towards funds or shares I've already invested in?

This depends on what you decide to invest in. You are also limited to the investments offered by the platform you use. Many New Zealanders diversify their auto-investing to split, for example, $50 or $100 into two or three funds. For anyone auto-investing in shares, there may be a preference to contribute money regularly and then place a buy order every month. Hatch, as an example, suggests a range of options here.

Can I set up a direct debit rather than an automatic payment for auto-investing?

Yes, it's not the standard process. Direct debits are usually used for a credit relationship (for example, paying a phone bill or gym membership) where the company you pay controls the amount debited. Automatic payments are controlled by you and are fixed amounts. Most auto-investing uses automatic payments, but we are aware Smartshares' platform uses direct debits for its Regular Savings Plan offering.

How do I stop auto-investing?

You will need to disable auto-investing on your platform and cancel or pause the automatic payment via your bank's online banking.

How to Invest Regularly and Auto-Invest NZ

Conclusion - Is Auto-investing Right for You?

  • Auto investing requires discipline, sacrifice and a long-term commitment. While a contribution of $50/month, for example, is investing by definition, anyone looking for a financially secure future may need to think bigger. For example, $175 a month will invest around $2,000 a year, whereas $200 a week will invest over $10,000 a year. 
  • The best approach is to start small; a regular $50 or $100 is a step in the right direction and form great habits for the long term. The best platforms, based on fees and investment choice, are arguably Kernel Wealth (index funds), InvestNow (managed funds) and Hatch (US shares), although other options exist and have merit. 
  • Whatever you invest, the benefits of dollar-cost averaging and wealth creation are almost certain. And best of all, you can invest on your terms and keep fees as low as possible. In addition, regular contributions will, over time, build a strong portfolio that rewards you. Many New Zealanders have been surprised with how large their balances have grown in a short space of time.

Kernel Logo NZ
Visit Kernel
Your investor guide to investing regularly is sponsored by our friends at Kernel, a leading New Zealand-based index fund manager.
  • Kernel is a strong-performing index fund specialist - our review explains more.
  • Kernel is 100% Kiwi owned and are committed to no-nonsense index funds with low, transparent fees.
  • Trusted by thousands of Kiwis, Kernel offers easily accessible index fund investing, high interest savings accounts and KiwiSaver.
  • Kernel is suitable for investors with a short, medium or long-term investment timeframe.

Related guides and resources
  • Index Funds
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  • Index Funds vs ETFs
  • Shares vs ETFs
  • Dollar-Cost Averaging Guide
  • Passive Income Strategies
  • How Wealthy New Zealanders Invest Their Money
  • ​Compound Interest Explained
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  • Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • Qantas 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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    • Reviews
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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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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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Electric Vehicle Power Plans
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 20 Frugal Decisions That Often Backfire
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      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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      • Money Habits Keeping You in the Rat Race
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      • Stealth Wealth
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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
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    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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    • Tax
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      • Salary Sacrifice in New Zealand
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  • Life Essentials
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        • Triaba New Zealand Review
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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