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        • Other Coins >
          • How to Buy Ripple in New Zealand
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  • Loans & Finance
    • Car Finance >
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  • Insurance
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      • Health Insurance
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        • Funeral Costs
  • Credit Cards
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      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
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    • Other Credit Cards >
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  • Banking & Savings
    • Banking >
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  • Mortgages
    • Mortgage Essentials >
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    • Mortgage Brokers >
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    • Buying a Home >
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      • Average Building Cost Per Square Metre
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  • KiwiSaver
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      • SuperLife Review
  • Business
    • Business Essentials >
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    • Online Services >
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      • Digital Identity Programs and Online Verification Tools
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      • PayPal NZ Account Fees
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      • Hnry Review
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    • 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
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    • Education >
      • What to Study in 2023
      • Alternative Study Providers
      • School Holidays 2022
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  • Motoring
    • Buying and Selling a Car >
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      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • 20 Ways to Make Driving Cheaper
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
    • Warrant of Fitness >
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
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      • How to Improve Your LinkedIn Profile
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      • Redundancy Payouts and Entitlements
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      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies >
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Broadband
  • Power
    • Compare Power Companies
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Power Companies >
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Energy Review
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      • Nova Energy Review
      • Powershop Review
      • Pulse Energy Review
      • Trustpower Review
  • Financial Independence
    • FIRE Guides >
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
      • Achieving Financial Independence, Faster
    • FIRE Tools >
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax >
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
    • Money Tips >
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Tips for Families on a Single Income
      • 20 Ways to Save LOTS on Household Bills
      • Side Hustles
      • Lending Money to Friends & Family
  • Better Living
    • Food & Grocery >
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
      • Woop Review
      • Online Supermarkets
      • Save Money on Food
      • Supermarket Christmas Clubs >
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
        • Countdown Christmas Club Vouchers
      • Coupons & Deals >
        • Kids Eat Free
    • Entertainment >
      • Streaming TV Services
      • Netflix Review >
        • Best Netflix Movies
        • Best Netflix TV Shows
      • Amazon Prime Video Review >
        • Best Amazon Prime Movies
        • Best Amazon Prime TV Shows
      • Disney+ Review
      • Apple TV+ Review
    • Consumer Rights >
      • How to Get a Refund, Repair or Replacement
      • What To Do If You Do NOT Receive Your Refund
      • The Complete Guide to Renting in New Zealand
    • Free Samples
    • Make Money Online
    • Paid Survey Websites Review
    • Nielsen Homescan Review
    • Nielsen Digital Voice Review
    • Valued Opinions Review
    • Opinion World Review
    • Triaba New Zealand Review
    • Rewardia New Zealand Review
    • School Holiday Activities >
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
      • Christchurch School Holiday Activities
    • 65+ Best Online Shopping Websites in New Zealand
    • Shoe Size Conversion Guide
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    • Best Baby Clothes
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    • New Zealand Fashion Designers
    • Buy Books Online
    • Black Friday New Zealand Deals
    • Mother's Day Ideas and Gifts
    • Father's Day Ideas and Gifts
    • Daycare Checklist
    • How to Sell on Fiverr
    • Computer & Accessories >
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    • Retirement Villages
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      • Best Vacuum Cleaners
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      • Best Air Fryers
      • Best Juicers
      • Best Fridge Freezers
      • Best Mattresses
      • Best Ride-On Lawn Mowers
      • Best Pressure Cookers
      • Best Lawn Mowers
    • Blinds, Curtains and Drapes Auckland
    • Bathroom Renovations Guide
    • Weddings on a Budget
    • Wedding Budget Calculator
    • Trade Me Selling Tips
    • Prezzy Cards
    • Health & Personal Care >
      • Weight Loss Shakes
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      • Anti-Ageing Creams
      • Hair Straighteners
      • Sunscreen
      • Jenny Craig Review
      • Weight Watchers Review
    • Grammarly Review
    • Moving to New Zealand
  • Trade & Professional Services
    • Auckland Trade & Professional Services >
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services >
      • Arborists Wellington
      • Bathroom Renovations Wellington
      • Builders Wellington
      • Building Inspectors Wellington
      • Car Detailing Wellington
      • Catering Wellington
      • Cattery Wellington
      • Dog Boarding Kennels Wellington
      • Dog Daycare Wellington
      • Dog Grooming Wellington
      • Firewood Wellington
      • Glaziers Wellington
      • Gym Memberships Wellington
      • Heat Pump & AC Specialists Wellington
      • Lawn Mowing Services Wellington
      • Mechanics Wellington
      • Panel Beaters Wellington
      • Personal Trainers Wellington
      • Pest Control Wellington
      • Plumbers Wellington
      • Puppy School Wellington
      • Roofing Wellington
      • Wedding Photographers Wellington
    • Christchurch Trade Services >
      • Arborists Christchurch
      • Bathroom Renovations Christchurch
      • Builders Christchurch
      • Building Inspectors Christchurch
      • Car Detailing Christchurch
      • Catering Christchurch
      • Cattery Christchurch
      • Dog Boarding Kennels Christchurch
      • Dog Daycare Christchurch
      • Dog Grooming Christchurch
      • Firewood Christchurch
      • Glaziers Christchurch
      • Gym Memberships Christchurch
      • Heat Pump & AC Specialists Christchurch
      • Lawn Mowing Services in Christchurch
      • Mechanics Christchurch
      • Panel Beaters in Christchurch
      • Personal Trainers Christchurch
      • Pest Control Christchurch
      • Plumbers Christchurch
      • Puppy School Christchurch
      • Roofing Christchurch
      • Wedding Photographers Christchurch
    • Hamilton Trade Services >
      • Arborists Hamilton
      • Bathroom Renovations Hamilton
      • Builders Hamilton
      • Building Inspectors Hamilton
      • ​Car Detailing Hamilton
      • Catering Hamilton
      • Cattery Hamilton
      • Dog Boarding Kennels Hamilton
      • Dog Daycare Hamilton
      • Dog Grooming Hamilton
      • Glaziers Hamilton
      • Gym Memberships Hamilton
      • Heat Pump & AC Specialists Hamilton
      • Lawn Mowing Services Hamilton
      • Mechanics Hamilton
      • Panel Beaters Hamilton
      • Personal Trainers Hamilton
      • Pest Control Hamilton
      • Plumbers Hamilton
      • Puppy Schools Hamilton
      • Roofing Hamilton
    • Tauranga Trade Services >
      • Arborists Tauranga
      • Bathroom Renovations Tauranga
      • Builders Tauranga
      • Building Inspectors Tauranga
      • ​Car Detailing Tauranga
      • Catering Tauranga
      • Cattery Tauranga
      • Dog Boarding Kennels Tauranga
      • Dog Daycare Tauranga
      • Dog Grooming Tauranga
      • Glaziers Tauranga
      • Gym Memberships Tauranga
      • Heat Pump & AC Specialists Tauranga
      • Lawn Mowing Services Tauranga
      • Mechanics Tauranga
      • Panel Beaters Tauranga
      • Personal Trainers Tauranga
      • Pest Control Tauranga
      • Plumbers Tauranga
      • Roofing Tauranga
    • Dunedin Trade Services >
      • Builders Dunedin
      • Building Inspectors Dunedin
      • Car Detailing Dunedin ​
      • Catering Dunedin
      • Firewood Dunedin
      • Gym Memberships Dunedin
      • Heat Pump & AC Specialists Dunedin
      • Mechanics Dunedin
      • Panel Beaters Dunedin
      • Personal Trainers Dunedin
      • Plumbers Dunedin
      • Wedding Photographers Queenstown
    • Lower Hutt Trade Services >
      • Builders Lower Hutt
      • Catering Lower Hutt
      • Mechanics Lower Hutt
      • Panel Beaters Lower Hutt
      • Plumbers Lower Hutt
    • Napier and Hastings Trade Services >
      • Building Inspectors Napier and Hastings
      • Heat Pump & AC Specialists Napier and Hastings
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Best New Zealand Investment Apps

Our guide outlines the investment apps, platforms and options for new and experienced investors alike. Whether you have $100 or $100,000 to invest, our guide explains everything you need to know

Best Investment Apps NZ
Updated 31 May 2022
Investing apps have taken New Zealand by storm since the launch of Sharesies in 2017. While web-based platforms such as ASB Securities and Direct Broking have existed for years, the 'Sharesies effect' has made investing accessible for everyone. You can invest as little as 1 cent with Sharesies and $1 on many other platforms, and you can do it from your phone. With the arrival of innovative services like Sharesies, Hatch, InvestNow, Stake, Tiger Brokers and specific fund managers, the range of investing apps continues to grow. Best of all, every innovation directly benefits the New Zealand consumer with lower fees and more choice.

This guide outlines investment platforms and apps currently available to anyone residing in New Zealand. We cover:
  • ​Summary of Best Investment Apps​
  • ​Investment Apps Pros and Cons
  • Our Favourite Investing Apps (for Specific Purposes)
  • Frequently Asked Questions

Know this first: We've included investment platforms that are web-based in our list of investing apps. This is because we believe for the majority of New Zealanders, a web-based interface and an app are both sufficient for the type of investing being conducted. If you do feel as if you need further insights beyond a particular app's offering, we suggest looking at Sharesight as a possible add-on.

Are you looking to understand investment terms? Investment apps can be confusing - our extensive investing glossary outlines must-know words and explains what they mean with relevant New Zealand examples.

Our Favourite Investment Apps

Based on our research and evaluation of the various apps, platforms and interfaces, we believe the five apps stand above the competition based on their offering, features, pricing and service:
  1. Sharesies: Best App or Platform for Beginners and Auto-Investing
  2. Stake: Best Free App or Platform for Trading on the US Markets
  3. Hatch: Best App or Platform for Low-Cost Investing in the US Markets
  4. InvestNow: Best App or Platform for Managed Funds
  5. Kernel: Best App or Platform for Specialised Index Funds
  6. Simplicity Investment Funds: Best App or Platform for Low-Cost Index Funds

Best Investment Apps NZ

Summary of New Zealand's Best Investment Apps

Investment
​Platform
Investment
​Opportunities
Commission 
​& Fees
Minimum Purchase
More
​Information
Sharesies
NZ Shares, NZ ETFs, NZ Managed Funds (unlisted), ASX Shares, ASX ETFs, US Shares, US ETFs
0.5% (<$3,000)
+ 0.1% (for amounts
above $3,000)
+
0.40% FX conversion fee (for AU or US trades)
1 cent
Sharesies Review
Hatch
US Shares and ETFs
US$3 per trade (buy and sell)
0.50% FX conversion fee
$1
Hatch Review
Stake
US Shares and ETFs
Free trades, users pay regulatory fees
1% FX conversion fee
$1
Stake Review
InvestNow
ETFs Managed Funds and Index Funds
No platform fees, fund management fees varydi
$250
InvestNow Review
Direct Broking
NZ, Australian, USA and UK Shares
$29.90 per trade (up to $15,000 NZD, AU$30,000)
​$1
Direct Broking Review
ASB Securities
NZ and Australian Shares
$15 ( < NZ$1,000)
$30 (NZ$1,000 - NZ$10,000)
0.30% (> NZ$10,000)
Australian trades: AU$30
$1
ASB Securities Review
Simplicity Investment Funds
Index Funds
​$20year membership fee + 0.10% to 0.31% p.a. management fee
$1,000 per fund
Simplicity Investment Funds Review
Kernel Wealth​
​Index Funds
0.25% p.a. (core funds management fee) and $5/month membership fee (if investing over $25,000)
$1 per fund
Kernel Wealth Review

How do I use an Investment App?

  1. Signing up: For most investment apps, you'll need to be 16 years or older, a New Zealand resident with a New Zealand bank account. There will usually be an anti-money laundering check after you apply. Once approved, you'll set up a login and password. 
  2. Investing: You'll be able to see the range of investments offered, which depending on the app, can be anything from 4 to 4,000+. The investment app will guide you through how to fund your account, either by setting up a regular automatic payment from your bank account, or transferring in a one-off sum. Once your account is funded, you can buy and sell investments based on the current market price. 
  3. Monitoring: Most investment apps have tools so you can see the performance of your investments, helping you make ongoing decisions.

Investment Apps NZ

​Investment Apps: Pros and Cons

Pros:
  • ​​Low minimum investment – many platforms have a $5 or $10 minimum investment, which allows you to start investing right away. Sharesies, for example, innovates further with a 1 cent minimum investment.
  • Low fees for smaller accounts – if a platform charges are membership fee, it will (usually) be less than $30/year. Others only charge a transaction fee, so there’s no ongoing cost unless you buy and sell investments. In contrast, others such as Hatch, Sharesies, InvestNow and Stake don’t charge anything.
  • Simple to use – design and user experience are at the heart of keeping investors happy. This means you can sign up for an account in minutes and, after your details are approved, quickly fund your account. You can then track the progress of your investments, visualise your profits, and view investment options.
  • Automatic investments - many platforms offer automatic investing, meaning you can actively save for your future. Sharesies, for example, lets you allocate regular contributions to one (or many) or its funds to help grow your balance.
  • Socially responsible investing (SR) opportunities are highlighted – many apps categorise their investment options under SRI and ESG (Environmental, Social and Governance) so you can invest in things that are important to you. For example, Sharesies offers the Pathfinder funds which invest in sustainable businesses.

Cons:
  • You may under-invest – if you add $5 or $10 to your investment balance, it’s unlikely to add up to anything significant unless you commit to the long term. An investment app with a balance of $500 or $1,000 after 2+ years of contributing isn’t substantial in the scheme of things. To protect your future, a solid savings plan is needed – sporadic (and small) top-ups are unlikely to provide a suitable long-term strategy.
  • Fees can eat into profits – Before investing, check what the platform fees are (per month) and calculate the annual costs and how that affects your expected returns. For example, if a platform charges $30/year to be a member and you invest $1,000, the $30 represents an annual fee of 3%. This is relatively high and means your returns must be above 3% per year to break even.
  • Limited account options – right now, most investments apps don’t offer joint accounts or the opportunity to invest on behalf of your business. Only some apps offer managed funds, and investing with Hatch, Stake and Sharesies means a foreign exchange risk if your investments are held in USD (which may increase or decrease against the NZD, affecting the local value of the investments).
  • Investing based on hype and buzz can have consequences – there has been a surge of investing Whatsapp and Facebook groups established in the last couple of years. While the intentions are genuine, many ‘tips’ are shared around New Zealand, encouraging inexperienced investors to buy and sell particular shares. If you’re going to actively pick shares to invest in, you have to accept that there is risk and your investment could fall in value. With any investment, the best approach is to diversify your portfolio so that you’re not overly exposed should one asset drop in value.

Best Investment Apps NZ

Our Favourite Investing Apps (for Specific Purposes)

  1. Sharesies: Best App or Platform for Beginners and Auto-Investing
  2. Stake: Best Free App or Platform for US Markets Investing
  3. Hatch: Best App or Platform for New Zealanders Growing their Portfolio while Learning About Investing
  4. InvestNow: Best App or Platform for Managed Funds
  5. Kernel: Best App or Platform for Specialised Index Funds
  6. Simplicity Investment Funds: Best App or Platform for Low-Cost Index Funds
Best Investment Apps NZ

Sharesies: Best App or Platform for Beginners and Auto-Investing

  • Sharesies in a nutshell: The Wellington-based platform offers investment into 136 NZX-listed companies, 36 NZX ETFs, 8 Managed Funds (unlisted), 1852 ASX-listed companies, 228 ASX-ETFs, 2200+US-listed companies, 770+ US ETFs and more securities added weekly.
  • Why we like Sharesies? Sharesies is a popular investment app for New Zealanders of all ages looking at an affordable way to enter the sharemarket locally (and overseas) without their investment being eaten up in brokerage fees. With the ability to invest in any NZX-listed and US-listed company, and the array of index funds offered, there is a significant choice for most investors.
  • Interface: Website
  • Investments offered: Extensive - NZ, AU and US shares and ETFs, plus a select number of New Zealand-based managed funds
  • ​Read our review: Sharesies Review  
  • Sign up to Sharesies: Visit Sharesies to learn more
Best Investment Apps NZ

Stake: Best Free App or Platform for Trading on the US Markets

  • Stake in a nutshell: The Australian-based platform doesn't charge trading fees which has to be the biggest attraction of Stake. Stake's Starter pack subscription is $0 month and includes unlimited trades and fractional share purchase. It offers an easy to use interface, with 6,000+ investment options in the 12 US markets. 
  • Why we like Stake? Stake offers a tremendous number of options for exposure to US-listed shares and ETFs. Its 'zero-fee, unlimited trade' offer is unrivalled by any other platform available in New Zealand. Stake will appeal to anyone who wants to trade shares in multiple companies in small amounts. The Stake app makes this effortless, and the design and functionality of Stake, in general, will encourage frequent use.
  • How does Stake compare to Hatch and Sharesies? The free buy and sell fees make it most suitable for active traders, which is why we believe it offers the best service for trading. Our Stake vs Hatch vs Sharesies review has more details.
  • Interface: Website and app
  • Investments offered: Extensive - all listed US shares and ETFs
  • ​Read our review: Stake Review
  • Sign up to Stake: Visit Stake to learn more
Best Investment Apps NZ

Hatch: Best App or Platform for Low-Cost Investing in the US Markets

  • Hatch in a nutshell: Part of Kiwi Wealth (the owners of Kiwibank), Hatch offers New Zealanders a tremendous number of options for investing in the US markets. It's similar to Stake, with a different fee base which can work out cheaper if you're a serious and regular investor.
  • Why we like Hatch? The platform works best for investing US$100+ or more at a time, as Hatch charges an NZD:USD FX conversion fee of 0.5% (vs 1% for Stake and 0.40%). There's also a flat US$3 order fee, to buy or sell up to 300 shares (then it’s $0.01 a share). While Stake is free, Sharesies' order fee is 0.5% for orders up to US$3,000 (and then an incremental 0.1% for amounts above US$3,000).
  • How does Stake compare to Stake and Sharesies? Our Stake vs Hatch vs Sharesies review has more details..
  • Interface: Website and app
  • Investments offered: Extensive - all listed US shares and ETFs
  • ​Read our review: Hatch Review
  • Sign up to Hatch: Visit Hatch to learn more
Best Investment Apps NZ

InvestNow: Best App or Platform for Managed Funds

  • InvestNow in a nutshell: The Wellington-based platform offers investment into 140+ managed funds from 23 well-regarded fund managers, with a platform fee of $0/year. Investments from $250 can be made into any fund, many funds run by big names such as AMP, Fisher Funds, Milford Asset Management and Platinum Asset Management making their funds available.
  • Why we like InvestNow? The 100+ fund choices offer something for every investor type. You won't pay any fees to InvestNow for using the platform, and the platform keeps growing with more options.
  • Interface: Website
  • Investments offered: Extensive - 100+ funds, ETFs and access to otherwise high buy-in funds
  • ​Read our review: InvestNow Review
  • Sign up to InvestNow: Visit InvestNow to learn more
Best Investment Apps NZ

Kernel: Best App or Platform for Specialised Index Funds

  • Kernel in a nutshell: Kernel's 10+ funds all have the same fees (an annual 0.25% p.a. management fee for core funds, and 0.45% p.a. for thematic funds, and a $5/month membership fee if you invest over $25,000). The funds give exposure to global companies such as Apple, Nike, Amazon, Nestle and Microsoft, or more conservative assets like property and NZ market leaders, as well as ESG (ethical) and global infrastructure.
  • Why we like Kernel? The minimum investment is $1 per fund, it's easy-to-invest user experience, it's educational focus and fund innovations. With some of the lowest fund fees in New Zealand, there’s a lot to like about Kernel. 
  • Interface: Website
  • Investments offered: 10+ funds
  • ​Read our review: Kernel Review
  • Sign up to Kernel: Visit Kernel to learn more
Best Investment Apps NZ

Simplicity Investment Funds: Best App or Platform for Low-Cost Index Funds

  • Simplicity Investment Funds in a nutshell: Simplicity Investment Funds offer ​five funds, with annual fees set at 0.10% (NZ Shares fund and NZ Bond fund) and 0.31% (Growth fund, Balanced fund and Conservative fund), plus a $20 membership fee.
  • Why we like Simplicity Investment Funds? Simplicity's investment funds offer a 'set and forget' approach with its passive funds. As index funds, the investing rationale is that market-index investments always beat a fund manager in the long term, and as investing has a long-term focus, the risks are low, and the return is seen to be reliable. With fees from as low as 0.10% p.a., Simplicity is New Zealand's cheapest investment platform.
  • Interface: Website
  • Investments offered: Five funds
  • ​Read our review: Simplicity Investment Funds Review​
  • Sign up to Simplicity Investment Funds: Visit the website to learn more

Best Investment Apps NZ

Investment Apps - Frequently Asked Questions

Investing apps are increasingly simple to use, but there are some must-know facts. Our FAQs below explain what's important for making the right choice.

How much money do I need to invest?

​$1 is the minimum investment for most (but not all) investment apps and platforms. New Zealanders who do the best out of their investing activities, i.e. make the most money, tend to invest regularly, are diversified and stay committed for the long term.
​

Our list of apps above generally works best when you invest at least $100 to avoid ongoing fees eating into returns. A sensible amount to start with is at least $100 to $500 and then contribute regularly.

​What investment app is best for buying shares?

It depends on the amount you’re buying and selling. In the summaries above, we have itemised the apps based on price (which is trading costs and ongoing member fees), app features and investing minimums.

​I’m new to investing – what is the best app?

For new investors wanting to learn as they go, Sharesies is arguably New Zealand’s most popular option with hundreds of thousands of users. Sharesies lets you invest in New Zealand, Australian and US sharemarkets, as well as invest in a select number of New Zealand-based managed funds. It has several useful features, such as regular contributions and top-ups helping users invest for the long-term. There’s also a highly active Facebook group to help new investors.

​What assets can I buy and sell using these apps?

It depends on the app and platform; some offer shares, ETFs and index funds (such as Sharesies), whereas others offer US shares only (Hatch and Stake). Others specialise in ETFs and funds (InvestNow), while Simplicity and Kernel exclusively offer their branded index funds.

Is my money safe?

All New Zealand-based apps and platforms are highly regulated. Popular services such as Sharesies, Hatch, Stake, InvestNow, ASB Securities and Direct Broking have a strong custodial structure in place to prevent you losing any of your investment in the case that the services fail financially. Our dedicated guide explains custodians in detail and how they protect investors. A custodian exists with one purpose - to hold assets on behalf of specific beneficiaries. It can't go bust as it is tightly regulated and regularly monitored. 
​

However, it’s essential to be aware of the risks of investing. The decisions that you make, i.e. what you invest in, are not protected. This can mean the balance of your investments can drop, and you’ll lose money if you then sell or redeem.

How many investment apps should I sign up for?

It depends. It's unwise to double-up on apps that charge membership fees as you're paying twice for access to the same (or similar) investment opportunities. A new investor would be prudent to pick two apps to use, and then, once established and experienced, look for further opportunities. 

How can I quit or leave an investing app?

The standard practice is to sell, transfer or redeem your investments (so your balance is $0). You can then notify the client/customer service team to close down access. Many investing apps charge ongoing membership fees which will be avoided by cancelling the account.

To recap our selections:

MoneyHub's Best Investment Apps

  • Sharesies
  • Hatch
  • Stake
  • InvestNow
  • Direct Broking
  • ASB Securities
  • Simplicity Investment Funds
  • Kernel Wealth​

Related guides:
  • Comparing Sharesies vs Investnow vs Hatch and more
  • Custodian guide 
  • NZX in a Nutshell 
  • Investing in US Shares (from New Zealand)
  • ETFs vs Shares
  • ETFs vs Index Funds
  • Investing glossary
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