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Five Low-Fee NZ Index Funds

We explain everything you need to know about index funds, including what to look for, how to choose one and where to buy them

Index Funds NZ
Updated 29 December 2020
Summary: ​Index funds are becoming a popular investment choice for many New Zealanders. Championed by leading KiwiSaver schemes Simplicity and  SuperLife, index funds are widely available to everyday investors. Offering a low-fee, no-hassle way to invest money, index funds are arguably one of the easiest and wisest long-term investments.

Index funds are easy to buy. In this guide, we explain how to buy index funds and highlight must-know tips for investing. We cover:
  • Pros and cons of index funds
  • Getting started and investing in index funds
  • Best index funds with low costs
  • Other important things to be aware of

Know this first: Index funds explained

  1. When investors buy an index fund, they get a diverse selection of many shares in one bundle. This avoids the need to purchase the shares individually. The index fund directly invests into companies that fall within its investment criteria.
  2. Investments are ‘passive’. This means there isn’t a fund manager actively buying and selling shares trying to pick winners, so the costs are much lower.
  3. You can invest in almost anything with index funds. Want to invest in the Australian share market, top 500 America companies, or New Zealand's top 20 companies? There are funds for all of that, and a lot more.
  4. It is also a widely accepted fact that, in the long-term, no individual fund can outperform an index fund.
  5. If you’re a long-term investor, i.e. looking to build up savings over five, ten or even twenty years, index funds can deliver strong returns.
Disclaimer: Our top 5 index fund list, published below, is journalistic in nature and only highlights low-fee options. It does not endorse the providers, nor does it constitute financial advice. The funds below are largely growth-focused investing in New Zealand and/or overseas and are seen as long-term investments that carry a varying degree of risk.

​Looking for other ways to invest? Check out our guide to investing in shares.

Picture
​Your free guide to Five Low-Fee NZ Index Funds, thanks to Hatch. 
  • MoneyHub's Guide to low-fee NZ index funds is sponsored by our friends at Hatch, our 2020 award winner for the best trading platform (US shares).
  • If you're looking to invest in the world's most recognisable index funds, this guide helpfully takes you through the entire process of what you need to know.
  • Hatch is free to join and offers a $20 top up on your initial $100 deposit. Sign up and deposit now to grab your bonus!
  • Hatch is Kiwi Wealth’s innovative digital investing platform. As part of the Kiwi Group family, they’re 100% Kiwi owned and are committed to helping Kiwis live their best lives. MoneyHub believes Hatch delivers transparent fee trading to all levels of investors.
  • Trusted by more than 60,000 Kiwis, buying US shares has never been more accessible.

Index funds NZ pros and cons

Pros and cons of index funds

Advantages of investing in index funds:
  1. Index funds make investing easy and remove the need to research individual companies: The index buys and sells shares on your behalf and never deviates from the investing strategy.
  2. Research backs up the investment: It's well-accepted that investors are, in most instances, better off buying into an index than individual shares, given that markets out-perform the vast majority of individual shares in the long run. 
  3. The fees are low: Index funds charge as little as 0.03% p.a. in management fees, whereas some actively managed funds charge as much as 2% p.a. That's 66 times higher.
  4. Index funds offer diversity: There are hundreds of investment options available from New Zealand platforms and fund managers.

Downsides of investing in index funds:
  1. No downside protection: When the market index sinks, the fund's value sinks with it. An actively managed fund may sell off everything to avoid further losses. An index fund rides the ups and downs exactly like the index itself.
  2. No control over holdings: You don't get to pick what shares you invest in. 
  3. Limited exposure to different investing strategies: Index funds simply follow an index, so if a new company lists on the sharemarket, it's unlikely any index fund will include it until it falls within the investment strategy. Also, if a company is performing poorly, the index fund will continue to hold it until it no longer meets the requirements of the fund - for example, the market capitalisation becomes too small. This means losses can be incurred while other investors sell off their poor-performing investments.

Best NZ Index Funds

Getting started and investing in index funds

Buying into an index fund is usually a lot easier than picking individual shares. Yet it can be hard to know where to start. We believe it's a three-step process, which we outline in detail:
  1. Decide where to buy. In New Zealand, there are a number of platforms and specialist index fund investment companies. To find the right one for you, you’ll need to look at the fund selection and fees.
  2. Pick an index fund that you want to invest in. Funds available track well-known indexes like the NZX 50, ASX 200, S&P 500 or specific industries (with property being a popular example).
  3. Check the investment minimum and ongoing other costs. Find the right fund for your budget.

​Step 1. Decide where to buy

When you’re choosing where to buy an index fund, consider, there are a few things to consider:
  1. Fund selection: Do you plan to invest in one fund, or many? Platforms like InvestNow have a range of local New Zealand and overseas-focused funds, whereas Simplicity and Kernel Wealth have between three and five that focus on New Zealand. Hatch Invest offers American exchange-traded index funds.
  2. Access and management: Do you want to have access to research information to help you decide on funds? InvestNow, for example, has access to Morningstar’s database of investments which lets you examine and compare different aspects of their funds both in real terms, and relative to category peers. Other platforms may just list their funds and not offer comparisons. What platform you select depends on how involved you want to be as an investor, and how much research you want to do.
  3. Fees: We discuss management and membership fees below in step 3. Management fees are always a percentage of your fund, e.g. 0.30%. Membership fees are also charged by some platforms. Generally, the more you invest, the less the membership fees affect your net results. For example, if you’re investing $1,000, $30+ year in membership fees equate to a 3% cost. If you invest $10,000, that drops to 0.30%. 

​Step 2. Pick an index to invest in

MoneyHub does not offer or publish financial advice, so the best approach is to do your own research as to what fund is most appropriate for your needs. Things to consider include:
  1. Location: Do you have a preference for what country you invest in? There are plenty of New Zealand index funds that follow the top 10, 20, 50 or more companies. If you want to invest in the USA, there are hundreds of funds on platforms like Hatch Invest.
  2. Company size: The market capitalisation of a company determines if it is included in an index or not. Market capitalisation is simply the number of shares issued multiplied by the share price. As the share price rises, the market capitalisation increases (and vice versa). Do you have a preference for small companies, mid-sized or big ones? Many funds track the biggest 50 or 200, but other funds invest in smaller growth companies.
  3. Business sector or industry: The choice is endless, with funds that invest in technology, bonds, cash, emerging markets, property and many more. 

Step 3: Check the investment minimum and ongoing other costs

Low fees and index funds go hand-in-hand and are one of the reasons so many people invest in them. However, not all index funds are ‘cheap’. Two funds that have the same investment profile, like following the NZX 50, may have different management fees:
  • One example is the Simplicity NZ Fund, which tracks the NZX 50 and charges 0.10% p.a.
  • Other NZX 50-tracking funds charge 0.35% p.a. or even more. While the difference seems small, over time it adds up when considering the compounding effect of money.
 
Before you invest, check the following:
  1. The investment minimum: Some funds let you buy in with as little as $1, while others require $5,000 (or more). Funds that require more to invest are not necessarily ‘better’, and the minimum is often set to minimise administration costs. If you are starting out and don’t have thousands to invest, look for a fund that has a low minimum investment.
  2. Management fee: This is the major cost that is deducted from each fund by investment managers. It’s almost always a percentage of your investment. For example, 0.50% or 0.30%. For context, most index funds charge between 0.10% and 0.60%, with the average being around 0.30% to 0.40%. Bond and cash index funds usually, but not always, charge less than index funds that invest in shares.
  3. Membership fee: Some platforms, such as Sharesies, Simplicity and Kernel Wealth all charge monthly membership fees. Others, such as Hatch Invest and InvestNow, do not. These ongoing fees can add up, especially if your index fund is small, so should be considered before picking a platform or provider.
  4. Tax benefits: Check the index fund is a PIE. If it is, there are tax incentives to be had; you could reduce your top rate of tax significantly depending on your top tax bracket e.g. 33% to 28%, 30% to 17.5%. See our table below.

Looking for other ways to invest? Check out our guide to investing in shares.
PIE Tax Benefits Explained
PIE rates saves you money, even if you are not on the top tax rate. PIR rates are as follows:
  • total income including PIE is < $48,000 PIR is 10.5%
  • total income including PIE is < $70,000 PIR is 17.5%
  • total income including PIE is > $70,000 PIR is 28%
 
These PIE rates compare to standard PAYE tax rates as follows:
  • For every dollar of income up to $14,000 apply tax rate 10.5%
  • Between  $14,000  and  up to $48,000 apply tax rate 17.5%
  • Between $48,000 and up to $70,000 apply tax rate of 30%
  • Above $70,000 apply tax rate of 33%
 
Therefore it is not only the top tax rate people who benefit. PIE tax advantages offer something for anyone earning over $14,000.

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​Your free guide to Five Low-Fee NZ Index Funds, thanks to Hatch. 
  • MoneyHub's Guide to low-fee NZ index funds is sponsored by our friends at Hatch, our 2020 award winner for the best trading platform (US shares).
  • If you're looking to invest in the world's most recognisable index funds, this guide helpfully takes you through the entire process of what you need to know.
  • Hatch is free to join and offers a $20 top up on your initial $100 deposit. Sign up and deposit now to grab your bonus!
  • Hatch is Kiwi Wealth’s innovative digital investing platform. As part of the Kiwi Group family, they’re 100% Kiwi owned and are committed to helping Kiwis live their best lives. MoneyHub believes Hatch delivers transparent fee trading to all levels of investors.
  • Trusted by more than 60,000 Kiwis, buying US shares has never been more accessible.

Best NZ Index Funds

Best index funds with low costs as of December 2020

While the NZX continues to power ahead, there are many other index funds on offer to anyone resident in New Zealand. We have listed five index fund providers that have some of the lowest fees. In 2019, nearly 30% of any money invested in the USA tracked indexes, and we believe New Zealand is moving (slowly) in that direction.

Our top five index fund list offers diversity and low fees, and include both local and overseas opportunities. Please note, this list is journalistic in nature and only highlights low-fee options and does not endorse the providers, nor does it constitute financial advice. The funds below are largely growth-focused investing in New Zealand and/or overseas and are seen as long-term investments that carry a varying degree of risk.

Popular low-fee options include:
MoneyHub
​

Simplicity Investment Funds

Index Fund: NZ Share Fund
Minimum investment: $1,000. Management fee: 0.10% p.a. Membership fee: $20/year 

​Summary: In the race for the lowest of the low-cost index funds, Simplicity offers a number of non-KiwiSaver investment opportunities. The NZ Share Fund invests in the largest 49 companies listed in the New Zealand stock exchange (NZX). In summary, the fund tracks the NZX50 less SkyCity (excluded for falling outside Simplicity's socially responsible investment policy). Companies included in the fund include A2 Milk Company, Air New Zealand, Auckland International Airport and Westpac.

Learn more: Read our review
See recent returns: Visit Simplicity Investor Funds
MoneyHub

Sharesies

Index Fund: Australian Top 20 Fund
Minimum investment: $1. Management fee: 0.60% p.a. Membership fee: $36/year

Summary: This fund invests in the top 20 companies listed on the Australian Stock Exchange (ASX), including shares like ANZ Bank, Qantas, Woolworths, and the Commonwealth Bank of Australia.

Learn more: Read our review
See recent returns: Visit Sharesies 

​Want to compare Sharesies with InvestNow, Hatch and other platforms? Read our Comparing Sharesies vs Investnow vs Hatch and more guide.
MoneyHub

Hatch Invest

Index Fund: Vanguard S&P 500 (VOO), traded on the sharemarket.
Minimum investment: $1. Management fee: 0.03% p.a. No membership fee. Buy and sell fee; US$8.

Summary: Hatch provides access to over 2,700 companies and over 450 ETFs, with Vanguard's S&P 500 ETF being one of the most index funds popular.in the world. While you are buying a 'share', it acts just like an index fund by investing in all S&P 500 companies. As the S&P 500 rises and falls, so does the share price. The management fee is one of the lowest among all index funds and ETFs.

Learn more: Read our review
See recent returns: Visit Hatch Invest

​Want to compare Hatch with Sharesies, InvestNow and other platforms? Read our Comparing Sharesies vs Investnow vs Hatch and more guide.
MoneyHub

InvestNow

Index Fund: AMP Australasian Property Index Fund
Minimum investment: $250 for all funds, or $50 with regularly scheduled contributions. Management fee: 0.42% p.a. No platform fee or membership fee.

Summary: The fund is commercial property focused, tracking the S&P/NZX All Real Estate (Industry Group) and the S&P/ASX 200 A-REIT Accumulation Index.

Learn more: Read our review
See recent returns: Visit InvestNow

​Want to compare InvestNow with InvestNow, Hatch and other platforms? Read our Comparing Sharesies vs Investnow vs Hatch and more guide.
MoneyHub

Kernel Wealth

Index Fund: NZ 20 Fund
Minimum investment: $10. Management fee: 0.39% p.a. Membership fee: $36/year. Investments over $25,000 have a discounted 0.29% expense ratio.

Summary: The NZ 20 fund invests in twenty of NZ’s largest companies (i.e. A2 Milk, Fisher & Paykel Healthcare, etc.). Kernel Wealth states that in recent years, the NZX 20 has outperformed the NZX 50.

​Learn more: Read our review
See recent returns: Visit Kernel Wealth

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​Your free guide to Five Low-Fee NZ Index Funds, thanks to Hatch. 
  • MoneyHub's Guide to low-fee NZ index funds is sponsored by our friends at Hatch, our 2020 award winner for the best trading platform (US shares).
  • If you're looking to invest in the world's most recognisable index funds, this guide helpfully takes you through the entire process of what you need to know.
  • Hatch is free to join and offers a $20 top up on your initial $100 deposit. Sign up and deposit now to grab your bonus!
  • Hatch is Kiwi Wealth’s innovative digital investing platform. As part of the Kiwi Group family, they’re 100% Kiwi owned and are committed to helping Kiwis live their best lives. MoneyHub believes Hatch delivers transparent fee trading to all levels of investors.
  • Trusted by more than 60,000 Kiwis, buying US shares has never been more accessible.

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Index Funds - Other important things to be aware of

Index funds have become one of the most popular ways for New Zealanders to use due to their low-cost, diversity and returns that typically beat active funds. To make sure you invest in an appropriate fund, we suggest making a few additional considerations:
  1. Is the index fund performing? New Zealand law requires the index fund to show it’s performance beside its benchmark. The returns won’t be identical (due to fees) but should be similar. For example, if you were in an NZX50 tracking fund and the index went up 10%, your fund’s performance should be similar. If the fund performance drags behind the index it tracks by more than the fees percentage, something probably isn’t right.  
  2. Are you new to investing? If so, don't rush. This guide explains the basics to let you navigate to reach your financial goals.
  3. Financial Advisers don’t often recommend index funds, although there are exceptions. Read more about Financial Advisers here.
  4. How much will you need to retire? Use our retirement calculator to track your progress.

Index Funds - Related Guides

  • Investing Guide
  • Sharesies Review
  • Hatch Review
  • InvestNow Review
  • How to Invest in Shares​
  • Comparing Sharesies vs Investnow vs Hatch and more
  • Barefoot Investor-Friendly Financial Products in New Zealand
  • Financial Advisers
  • Kernel Review
  • Top 10 New Zealand Personal Finance Experts​

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MoneyHub.co.nz does not provide investment advice, financial services or any form of advisory. Our guides, resources and tools are presented without consideration of the financial circumstances of any specific user. 

Important: We may be compensated if you click on a link, but such links do not affect our findings. MoneyHub publishes guides based on facts and numbers, not incentives. Our advertising policy explains more.
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  • ​Our priority is accurate information. In rare instances, a provider will change a price or product before we've had a chance to update our information; double check prices first before making any decision. ​
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