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
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • 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
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  • Banking & Savings
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  • KiwiSaver
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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InvestNow Review - Understanding the Offerings of the DIY Investment Platform

investnow
Updated 4 August 2024 
Summary of InvestNow
  • The Wellington-based platform offers investment into 140+ managed funds from 25 well-regarded fund managers, with a platform fee of $0/year.
  • As of May 2023, the platform had around $1b million under management. 
  • Annual fund fees (including performance fees) range from 0.20% to 3.02%, with many index funds offered.
  • 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.
  • Children can join InvestNow, one of the few fund platforms to offer this.
  • Like Sharesies, Hatch, Stake, Superhero and Tiger Brokers, InvestNow is free to join and there are no membership fees. InvestNow offers a choice of funds unrivalled in New Zealand.​​
  • InvestNow also offers the InvestNow KiwiSaver Scheme, with 28 managed funds from 9 expert fund managers to choose from, with no KiwiSaver member or administration fees.

Why do we like InvestNow? For many reasons:
  1. The 100+ fund choices, offering something for every investor type. 
  2. You won't pay any fees to InvestNow for using the platform. 
  3. InvestNow's market position allows it to attract exclusive funds for everyday investment - we see it as a win-win. 
  4. Ultimately, funds pay InvestNow to appear on the platform, but you don't pay anything extra, and going directly to a fund won't be cheaper regarding fund fees.
  5. Of course, InvestNow isn't for everyone, and you will need to know (or have a good idea) about what you want to invest in by doing your own research. We discuss this in more detail below.
LEARN MORE OR JOIN INVESTNOW for free
InvestNow's Background
InvestNow launched in 2017 intending to offer Kiwis more options and greater transparency when it came to investing in managed funds. Since launching, the DIY-styled platform has grown to offer 149 different funds operated by 25 fund managers, investing locally and globally. InvestNow is unique in promising “no account or transaction fees”, a first for its kind in New Zealand.
 
Our Review
In this guide, we outline what InvestNow is, what funds they offer to the Kiwi investor and how InvestNow differs from other platforms. We also look at the fees involved in investing via InvestNow. Our guide covers:
  • The Specs of InvestNow
  • ​Who is InvestNow Suited to?
  • InvestNow - What You Need to Know
  • What Others Are Saying About InvestNow
  • 10 Things to Know About InvestNow
  • Our Conclusion
 
Please note: MoneyHub is not a Financial Adviser, and this guide has been published to explain the investment fundamentals and outline the pros and cons of InvestNow as an investment platform.​

Related Resources:
  • Want to compare InvestNow with Sharesies, Hatch and other platforms? Read our Comparing Sharesies vs Investnow vs Hatch and more guide. 
  • Other investing options (with a US focus): Superhero offers US$0 trade fees, and Tiger Brokers offers low FX fees; our Superhero Review and Tiger Brokers Review explain more.
  • Worried about what happens to your investments if InvestNow collapsed or shut down? Our easy to read custodian guide explains what you need to know. 
  • Want to know how to trade or invest in the NZX? Our NZX in a Nutshell guide explains what you need to know.​

First Steps - What is an "index fund"?
  • An index fund (or "ETF") is a type of investment that is established to invest in or track the components of a market index, such as the New Zealand NZX50 (our largest 50 companies) or the Standard & Poor's 500 Index (S&P 500).
  • An index fund provides diversity in risk, as your investment is spread over many companies within the index, proportioned by the size of each company's market value.
  • The index fund benefits from low operating expenses and management fees because the fund must invest in the companies within the index and therefore doesn't need fund managers to make judgments or research in order to make the investments.
  • An index fund operates no matter the state of the markets, so as markets overall go up your investment is worth more, and vice versa.
  • An index fund is different from many other managed funds, which have investment managers working to predict market movements and make investments on your behalf to add value to your portfolio.

InvestNow is our Favourite Low-Cost Investing Platform in our 2023 Editor's Choice Awards:

  • InvestNow offers the widest choice of funds and makes exclusive funds with otherwise high buy-ins available to anyone with $50+ to invest.
  • We're huge fans of the fact there are no account or transaction fees, arguably the second biggest draw next to the fund opportunities. We're also thrilled to see a proactive launch of low-fee Vanguard funds, outlined in a dedicated guide, and earning InvestNow a dedicated award as a result.
  • With flexible ongoing investing from $50, the low starting costs are perfect for newbie investors looking to get into the sharemarket but not pay brokerage fees on individual trades. As the funds invest in shares, there is direct exposure to local and global markets.

MoneyHub's editor Christopher Walsh says:
"InvestNow keeps improving its offering, and it is our low-cost/maximum-choice favourite, given its extensive fund options and minimal fees. The recent addition of Morningstar performance tools allows investors to compare the full historical performance of all funds offered by InvestNow. In a market where the likes of popular Vanguard, Pie Funds, Fisher Funds and Mint Asset Management have $2,000+ minimum buy-ins, InvestNow drops this to as low as $50, making investing democratic. There's a lot to like with InvestNow, and MoneyHub believes it is the best low-cost investing service available in New Zealand".
InvestNow Review NZ
VISIT INVESTNOW

InvestNow Review

The Specs of InvestNow

  • ​Funds on offer: Currently, InvestNow offers 140+ funds from 25 different fund managers. The funds include passive, cash-based investments (bank deposits, bonds and government debt), index funds (investing in specific sharemarkets, such as New Zealand’s NZX50 and the American S&P 500. There are also a number of actively managed funds with specific industries such as property, mining and emerging markets. 
  • Diversity: The number of funds on offer gives an individual investor a wide choice when it comes to deciding about investing. At the same time, the choice could be overwhelming for a newbie investor. 
  • InvestNow has advised that they are working on adding retail bonds.
  • The InvestNow KiwiSaver Scheme: Launched in October 2020, the InvestNow KiwiSaver Scheme offers 28 managed funds from 9 expert fund  managers and no KiwiSaver administration fees. 

The fees are as followed: 
  • Annual fees for using InvestNow as a platform: $0, with no purchasing or selling fees either
  • Minimum Initial Investment: $250 for all funds, or $50 with regularly scheduled contributions​
  • Fund fees:  ​All but one of these funds charges a management fee, which ranges from 0.20% (Vanguard International Shares Select Exclusions Index Fund, Milford Cash Fund, Smartshares NZ Cash ETF (NZC) and Smartshares S&P/NZX 50 ETF (NZG)) to 2.57% (Fisher Funds Property & Infrastructure Fund, which includes a performance fee of 1.02% as of 31 March 2020.) 
  • Performance fees: Some funds charge them, others don't. It should not be assumed that a fund will charge the same performance fee every year, as the future performance of the fund cannot be predicted.

Investment Products include:
  • ‘Australasian Equities’ (42)
  • ‘Cash and Cash Equivalents’ (4)
  • ‘Commodities’ (1)
  • ‘Diversified’ (20)
  • ‘International Equities’ (50)
  • ‘International Fixed Interest’ ( 11)
  • ‘Listed property’ (11)
  • ‘New Zealand Fixed Interest’ (10)

​​If I buy a fund with InvestNow, am I buying a share on the sharemarket?
In most cases, the answer to this is yes. The majority of InvestNow funds invest in shares. Usually, the investments are diversified so you are protected if and when one or two investments don’t work out.

Risk
  • The 149 funds each offer a unique investment strategy. Some are low risk, some are medium risk and some are high risk. The returns/profit you make don’t necessarily depend on the risk you take. 
  • Not all funds are hedged to the New Zealand dollar. This means that if our dollar rises against any overseas currency and your fund is not hedged, the value of your investment reduces in NZD. You’ll need to check with the funds with regards to what (if any) hedging they have in place.​

InvestNow Review

Who is InvestNow Suited to?

  • ​​Best For: Investors looking for a value for money investment platform that doesn't carve off fees who also want their money with established and respected fund managers. The low minimum investment of $50-$250 makes the platform widely accessible, and the zero platform fees commitment means what you contribute is what you invest. 
  • Not suitable for: Certain investors looking to make individual investments in specific companies or industries, or investors looking for short-term buying and selling. Index funds don’t move that much in the short term. With most funds offered by InvestNow, you buy anticipating local and/or global markets to rise over time while being diversified enough to avoid losing money if one or two shares flounder.
  • Most suitable investor: Anyone looking to improve their understanding of capital market investing and can make regular contributions to build their investment over time. 

Standout Features:
  1. No account or transaction fees – this is the main draw to InvestNow. Other investment platforms charge establishment fees and/or annual fees; InvestNow does not. If you’re likely to invest in a number of funds, this could offer significant upfront and ongoing savings.
  2. Access to the Vanguard International Shares Select Exclusions Index Fund, a fund tracking companies but excluding investments in tobacco, controversial weapons and nuclear weapons, is available with an annual fee of 0.20%. This fund usually has a minimum investment of $500,000 AUD if purchased outside of InvestNow. 
  3. You can access funds which usually require a high initial investment. For example, Fisher Fund’s International Growth fund requires a minimum $2,000 initial investment. Mint Asset Management’s Australia New Zealand Real Estate Investment Trust has a $5,000 minimum investment. With InvestNow, you can get exposure to both of these funds for $250 which makes funds like these increasingly available to smaller investors.
  4. Flexible ongoing investing from $50 is perfect for newbie investors looking to get into sharemarket but not pay brokerage fees on individual trades. As the funds invest in shares, there is direct exposure to local and global markets. 
  5. The 149 funds offer a lot of diversity, but managed fees range so it’s important to be comfortable with what you’re investing in and making sure it represents value for money.
  6. The diverse number of funds means you can focus on particular industry sectors in specific countries, such as Australian property, New Zealand property and global emerging markets. 
  7. InvestNow also offer Term Deposits from a selection of 6 banks including ANZ, Bank of China, BNZ, China Construction Bank of New Zealand, Heartland Bank and SBS Bank. 
  8. InvestNow offers monthly fund performance reports which are updated around the 20th of every month. The reporting shows the previous month's top-performing funds, as well as a running leader board of 12 month performance. Subscribers will be sent the reports by email once published. InvestNow also recently implemented the Morningstar performance tool in their investor site – investors can easily view and compare the full historical performance of all funds offered by InvestNow. 

But be aware:
  1. To learn more about a fund, you’ll need to download its investor prospectus – these range in pages from 10-50 pages each, and is not particularly user-friendly to a newbie investor.
  2. Big institutional investment brands like AMP, ANZ and Fisher Funds, Milford Asset Management and Platinum Asset Management make up around 50% of all funds on offer.
  3. Some funds require investors to complete tax returns for overseas earnings.
  4. Certain funds not marked as “sustainable” may make investments in companies trading in weapons, tobacco, nuclear and other “unethical” business. The US 500 fund is an example of that.
  5. As is the case with any index fund or equities investment, markets go up and down. The Dotcom bubble in the early 2000s sank global indexes, as did the 2008 Global Financial Crisis. All indexes are now at record highs, but this is no guarantee of future earnings.

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

Worried about what happens to your investments if InvestNow collapsed or shut down? Our easy to read custodian guide explains what you need to know. ​

Want to know how to trade or invest in the NZX? Our NZX in a Nutshell guide explains what you need to know. 

InvestNow is our Favourite Low-Cost Investing Platform in our 2023 Editor's Choice Awards:

  • InvestNow offers the widest choice of funds and makes exclusive funds with otherwise high buy-ins available to anyone with $50+ to invest.
  • We're huge fans of the fact there are no account or transaction fees, arguably the second biggest draw next to the fund opportunities. We're also thrilled to see a proactive launch of low-fee Vanguard funds, outlined in a dedicated guide, and earning InvestNow a dedicated award as a result.
  • With flexible ongoing investing from $50, the low starting costs are perfect for newbie investors looking to get into the sharemarket but not pay brokerage fees on individual trades. As the funds invest in shares, there is direct exposure to local and global markets.

MoneyHub's editor Christopher Walsh says:
"InvestNow keeps improving its offering, and it is our low-cost/maximum-choice favourite, given its extensive fund options and minimal fees. The recent addition of Morningstar performance tools allows investors to compare the full historical performance of all funds offered by InvestNow. In a market where the likes of popular Vanguard, Pie Funds, Fisher Funds and Mint Asset Management have $2,000+ minimum buy-ins, InvestNow drops this to as low as $50, making investing democratic. There's a lot to like with InvestNow, and MoneyHub believes it is the best low-cost investing service available in New Zealand".
InvestNow Review NZ
VISIT INVESTNOW

investnow funds

InvestNow - What You Need to Know

Claims made by InvestNow:
​

“When selecting fund providers, we look for ones recognised in the industry as “award-winning” and with extensive global or NZ experience. This ensures you can invest online with confidence”.

Is it True?
  • It's a subjective claim, but overall, the funds available offer diversity to a new investor.
  • InvestNow offers SmartShares, Vanguard, Fisher Funds, Milford Asset Management - 25 other fund managers in total with the recent addition of Castle Point and Clarity Funds. This diversity is superior to platforms like Simplicity, Sharesies or Smartshares, which have a limited number of funds in comparison.
  • It’s also worthwhile noting that InvestNow’s fund managers pay InvestNow to be listed, and make money every time someone picks their fund to invest in. This is a form of commission which the individual investor pays for in one way or another.
 
“No Fees, No Middle Man. We firmly believe in removing all barriers to self-managing your investments, so InvestNow won’t be charging you any transaction or admin fees.”

Is it True?
  • It’s true when it comes to using the platform - a significant advantage over competing platforms such as Simplicity and Kernel Wealth which charge annual fees to use their platforms. However, whatever fund(s) you invest in will still charge you, but these will be charged by the fund manager and not InvestNow.
 
“We provide you ongoing market commentary and performance reports enabling you to manage your investments”.

Is it True?
  • Kind of. The platform does provide performance statistics (daily gain/loss etc.).
  • With regards to “ongoing market commentary”, we reviewed InvestNow’s blog, Facebook page and Twitter and didn’t find any market analytics.
  • With 149 funds investing globally, it’s a stretch for InvestNow to provide useful market commentary given the diversity of the underlying investments.
LEARN MORE OR JOIN INVESTNOW

The Competition – InvestNow vs Smartshares and Simplicity

  • Hands down, InvestNow offers a lot more investment opportunities than Simplicity (10+ funds) and Smartshares (40+ ETFs).
  • There is some crossover – all the major Smartshares ETFs are offered by InvestNow. However, InvestNow is online whereas Smartshares is arguably an offline/paper-based platform.
  • Minimum contributions: To start a portfolio with InvestNow you'll need $250 (or $50 if you make regular contributions, i.e. weekly, monthly or up to six-monthly) - Simplicity is $1,000 and Smartshares is $250.

investnow fees

What Others Are Saying

Susan Edmonds reported in 2017 in BusinessDay that investors using InvestNow “can start with a smaller deposit than is usually required, and no administration or transaction fees, with a number of fund managers on the platform, including AMP Capital, ANZ Investments, Harbour, Salt and Vanguard”. The article also states that “some of these fund managers would normally require minimum investments of $10,000. Via InvestNow, investors can start with $250”.

Tamsyn Parker, the Herald’s money editor, reported in 2017 that InvestNow “will offer mum and dad investors the chance to access a range of investment funds which normally require hundreds of thousands of dollars as a minimum direct entry”. The article then quotes InvestNow founder Anthony Edmonds (formerly the head of sales and marketing for AMP Capital) as saying that the platform “would allow small investors entry into funds normally reserved for wholesale investors with Harbour having a minimum of $250,000 and Vanguard $500,000 for direct investment”.
 
In 2017, Stuff.co.nz published an opinion piece around young people and money, claiming that “online platforms like InvestNow, RaboDirect, Smartshares, and Sharesies have greatly shrunk the role and cost of middlemen in the buying process for ETFs and are some of the lowest-fee options for investors” and that with InvestNow, the most popular funds tend to be "brand-driven" - SmartShares funds and the Vanguard fund being the most popular.
 
Finally, InvestNow published a press release in June 2017 claiming that in the 3 months since their public launch, “InvestNow (has) rocketed to having more than $50 million being directly managed by clients using the new online investment service”.

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

Worried about what happens to your investments if InvestNow collapsed or shut down? Our easy to read custodian guide explains what you need to know. 

​Want to know h
ow to trade or invest in the NZX? Our NZX in a Nutshell guide explains what you need to know.

Want to understand managed funds and how to decide what to invest in?
Our managed funds guide has you covered.

LEARN MORE OR JOIN INVESTNOW
The Bottom Line
  1. InvestNow is an excellent initiative for new and/or small investors looking for affordable exposure to local and global sharemarkets without paying platform fees. With 149 funds available, there is something for everyone’s risk profile.
  2. We like the Vanguard fund with its low 0.20% annual fee and exclusions of companies that are not socially beneficial (i.e. involved in tobacco, weapons and nuclear). 
  3. The underlying investment funds offer diversity in the sharemarket (both in New Zealand and overseas).
  4. ​With regards to user experience, InvestNow offers secure passcode protection to make log in secure. From there, it’s easy to navigate, invest, sell investments and read performance reports.
  5. InvestNow may not appeal to everyone - if you’re fresh into investing, the vast number of funds may be overwhelming. To remedy this, we’d like to see InvestNow classify its investments into risk categories (low, medium, high etc) to better explain them to inexperienced investors. If you are an active or aggressive saver/investor and want a fund manager to continuously pick shares or other securities for short/medium-term investment, there are plenty of funds offered that do this and you can access them from $50-$250, often a big discount from the minimum buy-in if you went to the fund manager directly. This makes InvestNow a strong offering and gives it wide appeal for those looking to build their wealth.

Limitations
InvestNow’s funds, like most managed funds, are not for the short term. While funds are free to buy and sell, to get the most out of index funds you’re realistically looking at a 5-10 year investment plan to maximize the return.
​
If you’re looking for funds investing in specific industries, such as oil and gas, agriculture or mining, the funds offered by InvestNow may not meet your needs. Most funds focus on diversified equity investments in Australasia, the USA and Europe. As such, you would need to find a specialist fund for such an investment.

InvestNow Review

10 Things to Know About InvestNow

InvestNow Review NZ

InvestNow offers the InvestNow KiwiSaver Scheme

InvestNow offers the InvestNow KiwiSaver Scheme – A KiwiSaver Scheme that has 28 managed funds, 9 expert fund managers and no KiwiSaver administration fees. You can mix and match from 1 fund up to 28 funds. 
InvestNow Review NZ

“Free Fees” does not extend to fund management and performance fees

Each fund manager will charge a management fee (the average across all InvestNow funds is 1.04%, however, this average is of the total fund charges by the fund managers, which includes management fees, admin costs and any performance fees) which is taken out of your investment. This means if the value of the shares your fund invests in go up 5% in one year, your return on investment would be 4% if the fund had a 1% management fee. The “Free Fees” marketing promoted by InvestNow refers to their own platform fees, as well as free buying and selling of funds. 
InvestNow Review NZ

Some funds offered are managed by the owners of InvestNow

InvestNow is owned by Implemented Investment Solutions (IIS), a Wellington-based company which managers funds under the names “Russell Investments” and “Hunter Global”. These funds charge different fees, but InvestNow offers plenty of alternatives and doesn’t actively encourage in their related company funds.
InvestNow Review NZ

InvestNow offers a wide range of fund managers and investment diversification opportunities

There is a huge range of funds, all offering different levels of risk and fees. For index funds, any investment means you’re putting money into a number of companies, so if one doesn’t perform as expected the strength of other companies will balance out the bad eggs. For example, the NZ Top 50 fund invests in the 50 largest New Zealand listed companies, so you are well diversified. Other funds invest in 500 or more companies, meaning you are well diversified.
InvestNow Review NZ

You can make regular investments or one-off investments from $50)

If you’d like to make regular contributions to savings outside of a KiwiSaver fund, InvestNow has relatively low entry points. Each fund needs to have a minimum of $250 to be established, or a commitment to invest $50 on a regular basis. With no per-fund establish fee or platform fee, we believe that InvestNow is very accessible and an affordable way to build up your chosen fund(s) at no marginal cost.
InvestNow Review NZ

The performance of an InvestNow portfolio is transparent

Logging in to InvestNow displays your portfolio value for every fund invested in, updated daily. You’ll be able to see details like increases or decreases in value from the previous day and monthly returns. It’s made very user-friendly for beginner investors.
InvestNow Review NZ

Dividends your fund(s) receive can be reinvested, meaning more cash is invested on your behalf

Many of the shares your fund invests in will pay dividends. These cash payments represent the profits from companies returning it to the shareholders, i.e. you. When a company declares a dividend, your fund will receive money and buy more shares in the ETF with the dividend received. For example, if you receive a $100 dividend and the ETF is currently priced at $2.00, your ETF will buy 50 more fund units on your behalf. You’ll need to check with the specific fund to see their policy, as some also offer the alternative of dividends being paid out in cash. Reinvesting dividends is the best way to increase the value of your investment in the long term.
InvestNow Review NZ

Signing up isn't complicated, but you’ll need to wait a couple of days before making your first investment

Making your initial investment with InvestNow is very straightforward, even for the most inexperienced investor. You’ll need to set up login access first, using an email and creating a password. After this, you’ll need to complete your registration by entering in personal details (tax, bank account numbers, financial disclosures and dividend preferences). You can then fund your account and once the money has cleared (usually occurring every weekday morning), you’ll be able to start investing.​
InvestNow Review NZ

Children can join InvestNow too

If you want to start an investment for your children, InvestNow offers investments in any of their funds. You’ll only need a proof of ID – proof of address can be in the parent or guardian’s name.
InvestNow Review NZ

Funds that don’t mention "social responsibility" are unlikely to be socially responsible

InvestNow promotes a couple of funds that are socially responsible – the Vanguard International Shares Select Exclusions Index Fund (0.20% annual fee) and the Pathfinder Global Water Fund (1.30% annual fee). Beyond these, it’s uncertain which funds are “socially responsible” and therefore their status cannot be implied or assumed. 

Responsible Investments, according to InvestNow, are defined by the investor and what the investor considers to be ‘responsible’, for example, an investor may consider a fund that simply excludes investing in tobacco, responsible. But another investor might hold a higher view of Responsible Investing, for example, a fund that only includes investments that have a positive impact, such as renewable energy.

All funds in the range of Managed Funds on InvestNow, to some degree (via exclusions or inclusions), follow a Responsible Investment strategy. For more information on Socially Responsible Investment, see Mindful Money’s website or our Responsible Investing: Explained article.

InvestNow Review

Our Conclusion

  • InvestNow is the first investment platform to smash administration fees to $0 while breaking down the barriers to investing with affordable $50-$250 thresholds. Funds previously unobtainable to most individuals are now able to be invested in for as little as $50.
  • The 140+ funds offer diversity and are backed by an online platform that delivers up to date portfolio data at no cost to the investor. There are a number of index funds offered, so the risk of picking the wrong companies is reduced as each fund invests in a number of shares. 
  • InvestNow perhaps offers too many funds, which may confuse or intimidate newbie investors. However, for most people looking to make one-off or ongoing investments, the platform is a perfect choice to launch from.

InvestNow is our Favourite Low-Cost Investing Platform in our 2023 Editor's Choice Awards:

  • InvestNow offers the widest choice of funds and makes exclusive funds with otherwise high buy-ins available to anyone with $50+ to invest.
  • We're huge fans of the fact there are no account or transaction fees, arguably the second biggest draw next to the fund opportunities. We're also thrilled to see a proactive launch of low-fee Vanguard funds, outlined in a dedicated guide, and earning InvestNow a dedicated award as a result.
  • With flexible ongoing investing from $50, the low starting costs are perfect for newbie investors looking to get into the sharemarket but not pay brokerage fees on individual trades. As the funds invest in shares, there is direct exposure to local and global markets.

MoneyHub's editor Christopher Walsh says:
"InvestNow keeps improving its offering, and it is our low-cost/maximum-choice favourite, given its extensive fund options and minimal fees. The recent addition of Morningstar performance tools allows investors to compare the full historical performance of all funds offered by InvestNow. In a market where the likes of popular Vanguard, Pie Funds, Fisher Funds and Mint Asset Management have $2,000+ minimum buy-ins, InvestNow drops this to as low as $50, making investing democratic. There's a lot to like with InvestNow, and MoneyHub believes it is the best low-cost investing service available in New Zealand".
InvestNow Review NZ
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Related guides
  • Investing in Vanguard Funds from New Zealand
  • Sharesies vs Investnow vs Hatch and more
  • Superhero Review
  • Tiger Brokers Review
  • Custodian guide (explaining what happens if InvestNow closes down)
  • Managed Funds
  • Index Funds
  • NZX in a Nutshell
  • Active vs Passive Investing
  • How Wealthy New Zealanders Invest
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  • Loans & Finance
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  • Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Best of New Zealand
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      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
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    • Best iPhone Plans
    • Best Power Banks
  • Broadband
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    • Internet Speed Test
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  • Power
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    • Power Companies
      • Contact Energy Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
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