MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Cove Car Insurance - Real Customer Reviews & Facts
        • 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
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • Attending the Singapore FinTech Festival
  • 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
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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Options Trading in New Zealand

Options are a popular derivative contract traders use to speculate on financial markets. Options trading is incredibly popular in the United States, but how popular is it in New Zealand? This guide explores the options trading industry in New Zealand.
Options Trading NZ
Updated 15 May 2025

Important:
  • An options contract is a derivative allowing traders to speculate on the price of a security, such as shares, or a commodity, like oil or gold.
  • The instrument’s name “options” refers to the notion that the trader has the option to exercise the contract, meaning they receive physical delivery of the underlying asset or take the settlement in cash, supposing the strike price is more favourable than the market price when their contract expires.
  • Options contracts are very different to other derivatives, such as contracts for difference or futures contracts, because they have unique characteristics. Options contracts are often compared to insurance policies, as you pay a premium to secure a certain price in the future.
  • If the price condition is not met, the contract expires and becomes worthless; if the condition is met, the counterparty that sold the contract pays out. For example, the price of an options contract depends on various factors, such as the contract duration, the underlying asset’s price, the strike price and the premium.
  • This options trading in New Zealand guide will introduce you to the concept of options contracts, how to trade options and where to trade options in New Zealand. Our Options Terminology guide is useful reading if you're unfamiliar with key terms referred to throughout this guide.

Summary
  • The instrument’s name “options” refers to the notion that the trader has the option to receive delivery of the underlying asset or receive the settlement in cash.
  • Options are contracts that give the buyer the right, but not the obligation, to buy or sell an underlying financial instrument at a specified price on or before a specified date.
  • Options are typically exchange-traded derivatives traded in a regulated marketplace and cleared by an independent clearinghouse, ensuring buyers and sellers uphold their obligations.
  • Options can be used to trade any financial market, such as stocks, indices, bonds, ETFs, commodities and other assets. The most common use case for options contracts is to trade stocks.
  • From New Zealand, you can trade futures with Tiger Brokers, Interactive Brokers, Jarden and others.
  • The value of an options contract is not based solely on the underlying asset; that’s why brokers like Plus500 and IG Markets offer trading CFDs on options.
  • Most options markets are located in the United States; it can be quite inconvenient for New Zealanders to trade during the most liquid hours because of the time zone difference.

Know this first: Risks of trading options
  • Options contracts are complex. Without thoroughly understanding the characteristics of options contracts, you risk overpaying options premiums and ultimately losing money.
  • Buying options contracts carry limited risk. However, selling options contracts has a potentially unlimited downside, which is another reason to ensure you fully understand the characteristics of options contracts.
  • This guide is not exhaustive, and you should undertake substantial research and practising before thinking about trading options.

Our guide covers:
  • Introduction to options contracts​
  • Options contracts comparison with insurance contracts
  • Options terminology
  • Options exchanges
  • Where to trade options in New Zealand
  • Frequently Asked Questions

If you want to trade Options, please be aware of the significant risks. Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2025 Editor's Choice Awards and offers Options Trading:

  • Tiger Brokers (NZ) is a low-cost broker. Currently, the broker offers the lowest commissions, 0.35% FX fees and free level-2 data on US-listed shares and ETFs. For US shares, it's a lower-cost alternative to Hatch, Sharesies, Stake and Interactive Brokers.
  • The company offers access to US, Hong Kong, Singaporean and Australian stock markets and China A-Shares. Altogether, over 7,000 shares are listed on the platform.
  • Exclusive sign-up benefits: In discussions with Tiger Brokers (NZ), their team has advised us that anyone signing up via MoneyHub will receive the following:
  1. Zero transaction fees (e.g. brokerage fees) four times for US and ASX shares every month, for life.
  2. Zero currency exchange fees for the first NZ$2,000 of currency exchanged every month, for life (NZD to/from USD and AUD)
  3. A NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit.
  • Our view is simple: With all other platforms charging fees (Stake, Hatch, Sharesies, Superhero etc.) for FX and/or share brokerage/transaction, Tiger Brokers' offer is unrivalled in New Zealand.​

MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is focused on global investing, and at a time when some other platforms have raised their fees, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. Tiger Brokers is the only global online player to have a local Auckland-based team and to be regulated in New Zealand. It focuses on delivering low fees to global market investors looking to build wealth using shares, futures and options. It continues to innovate and has recently launched auto-invest, fractional shares and its own TigerGPT investment chatbot."
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

Options Trading NZ

Introduction to options contracts

Options contracts are derivatives, a financial instrument that lets traders speculate on financial markets without actually buying, selling or owning the underlying asset. Options contracts have several unique characteristics and, in many ways, function like an insurance policy that protects traders from price fluctuations or changes in availability.
 
Options contracts have been used for centuries. Before modern financial markets existed, options were used in the agriculture sector to secure the rights to certain land, crops, produce or tools, without being obligated to buy the underlying product.
 
The first reputed use of an options-style contract occurred in ancient Greece by mathematician and philosopher Thales of Miletus; the anecdote lays a good foundation for understanding the function of options. He predicted that an olive harvest would be larger than usual during the off-season, so he acquired the right to use many olive presses for the following spring. When spring arrived, and the olive harvest was indeed larger than expected, he exercised the option, and he sub-leased the presses at a much higher price than originally agreed during the off-season.
 
Options contracts are used in various sectors, such as agriculture, real estate, energy, mining and financial markets. In the 21st century, the most common use of options contracts is trading equities, i.e. stocks.​

Confused by the terms used above? Our Options Terminology explains what you need to know if you're unfamiliar with key terms.

Options Trading NZ

Options contracts comparison with insurance contracts

The reason options contracts are compared to insurance policies is the way they’re structured. Every options contract involves two parties, the buyer and the seller. The seller is essentially the underwriter taking a bet that the contract will expire worthless, allowing them to keep the premium just like an insurance company bets you won’t have an accident.
 
The value of the underlying asset is only part of the equation calculating the premium of an options contract, just like how a car insurance policy isn’t priced solely on the value of the car. Options contracts consider the likelihood of the contract expiring in-the-money, just like an insurance policy considers the likelihood of an insurable event taking place.
 
The variables used to determine an options contract premium are the distance between the current price and the strike price, the duration of the contract and the volatility of the underlying asset.
 
If an options contract expires out-of-the-money, the contract becomes worthless, and the contract seller keeps the premium; this is similar to how an insurance company keeps the premium, supposing you don’t make a claim. However, if the contract expires in-the-money, the contract seller must pay out the difference between the strike price and the market price; similarly, if you have a car accident, the insurance company is obligated to pay out the difference between the excess and the value of the accident.
 
Options contracts can be exercised at any point before they expire; the buyer of the option doesn’t have to wait for the expiration date. Similarly, you can submit a claim to your insurance company at any time.
 
The options buyer risks the premium but has potentially unlimited gains. In contrast, the options seller keeps the premium, supposing the buyer loses but has potentially unlimited losses if the buyer wins.

Confused by the terms used above? Our Options Terminology explains what you need to know if you're unfamiliar with key terms.

Options Trading NZ

Important - Options Terminology

Options contracts are structured very differently from other derivatives, such as CFDs and futures contracts. To understand how options contracts work, you should first understand the following characteristics of options contracts.
Other licensed market operators in New Zealand are ICE Futures U.S., Inc, ICE Futures Europe and Australian Securities Exchange Limited. These companies are licensed to distribute their existing overseas markets to participants who may provide the products to New Zealand investors or traders. For example, Interactive Brokers is registered as a participant with ASX, ICE Europe and ICE U.S.

Strike price

The strike price is the price the options contract buyer and seller agree to buy or sell the underlying asset in the future. The strike price has standardised intervals that vary by underlying product and determined exchange rules. Here are some strike price examples for different options contracts:
  • Amazon, with a current price of US$3,335.55, has a US$5.00 interval between strike prices. The option chain contains the following strike prices: 3,330.00, 3,335.00, 3,340.00, 3,345.00, 3,345.00, etc.
  • Apple, with a current price of US$148.69, has a US$1.00 interval between strike prices up to $150, then the interval increases to US$2.50. The option chain contains the following strike prices: 146.00, 147.00, 149.00, 150.00, 152.50, 155.00, 157.50, etc.
  • Gold, with a current price of US$1796.30, has a US$5.00 interval between strike prices. The option chain contains the following strike prices: 1,790.00, 1,795.00, 1,800.00, 1,805.00, 1,810.00, etc.
  • Spark New Zealand, with a current price of NZ$4.55, has a NZ$0.50 interval between strike prices. The option chain contains the following strike prices: 3.50, 4.00, 4.50, 5.00, 5.50, 6.00, etc.
 
The options buyer is not obligated to buy or sell the underlying asset when the contract expires. Therefore, if the trader bought a call option and the strike price is higher than the market price, it doesn’t make sense for them to pay more than the market price for the underlying asset, allowing the contract to expire worthless and lose the premium they paid. If the buyer truly wants to own the underlying asset, they can buy it cheaper from the market.

Options style (exercise style)

​There are several styles of options contracts. The most common style, which is described in this guide, is American options. Other styles are European, Asian, Barrier, Exotic and Binary options. American options are probably the easiest to understand and most flexible to operate.
 
With American-style options contracts, buyers can exercise the contract at any time on or before the expiration date, providing the market is open. In contrast, traders can only exercise European-style options on the expiry date.

Underlying asset or instrument

​Every options contract features an underlying asset or instrument, which is the subject of the contract and one of the principles determining the options price. An underlying asset could be AAPL shares, and an underlying instrument could be a Gold Nov 2021 (GCX1) futures contract. Options futures give the buyer the right to buy or sell a derivative, meaning they are derivatives of derivatives.
 
Options can be used for any asset or instrument, for example, stocks, futures contracts, real estate, or even olive presses. 

Buy/Sell (Long/Short)

​Every options contract has a buyer and seller. In options trading, the terms buy and sell are not related to whether you expect the underlying asset’s price to rise or fall, as with other investment products. Buying and selling refer to whether you’re buying the contract or selling the contract.
 
Usually, the counterparty selling or issuing derivatives is a broker. Because options contracts are typically traded on exchanges, anyone can sell options, also considered writing an options contract.
 
Anyone selling options contracts must be prepared to deliver the underlying asset when the contract is exercised. If the seller does not own the asset, they are obligated to purchase it at the current market price in the open market. Because selling options essentially has unlimited risk, it’s typically only practised by professional trading firms rather than the average MoneyHub reader. The most common way to trade options is to buy contracts, which offers limited and controlled risk with potentially unlimited upside.

Put/Call

​A call option gives the buyer the right to buy the underlying asset from the seller at the previously agreed price (the strike price) on or before the expiration date. Conversely, a put option gives the buyer the right to sell the underlying asset to the seller at the strike price, on or before the expiration date. You would use a call option if you expect the underlying asset’s price to rise, whereas a put option would be used if you expect the price to fall. 

Expiration date

​The expiration date is the agreed-upon date when an options contract expires. Traders buying options pay a premium for the right to secure a price for an underlying asset in the future. One of the factors influencing the premium value is the duration of the contract. Expiry dates vary depending on the underlying asset. For example, stock options expire on Fridays, whereas options on other instruments like oil or gold futures expire a few days before the underlying futures contract expires. 

Price

​Options prices are quoted by the buyers and sellers participating in an options exchange. Several factors determine the price people are willing to pay to buy or sell contracts. In general, the price increases based on the higher likelihood the contract will be exercised in-the-money. The further the expiry date, the closer the strike price is to the market price and the volatility of the underlying asset impacts the price of an option contract.
 
Options prices are expressed per unit, for example, per share, ounce, barrel or euro. However, options contracts have set lot sizes, also known as the multiplier. For example, US stock options are traded in contracts of 100 shares, UK stock options are traded in contracts of 1,000 shares, gold futures options are 100 ounces, oil futures options are 1,000 barrels, and EUR/USD futures options are 125,000 euros.

Premium

​Traders buying options contracts pay a premium to the seller who is on the other side of their contract and liable for all the risk. The only risk assumed by the buyer is the premium they pay the seller. The premium is calculated by multiplying the price by the contract size. For example, if the price for an Apple call option with a $145 strike price expiring on 12-11-2021 (AAPL/12X21C145) is 5.55, the premium would be $555. 

If you want to trade Options, please be aware of the significant risks. Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2025 Editor's Choice Awards and offers Options Trading:

  • ​Tiger Brokers (NZ) is a low-cost broker. Currently, the broker offers the lowest commissions, 0.35% FX fees and free level-2 data on US-listed shares and ETFs. For US shares, it's a lower-cost alternative to Hatch, Sharesies, Stake and Interactive Brokers.
  • The company offers access to US, Hong Kong, Singaporean and Australian stock markets and China A-Shares. Altogether, over 7,000 shares are listed on the platform.
  • Exclusive sign-up benefits: In discussions with Tiger Brokers (NZ), their team has advised us that anyone signing up via MoneyHub will receive the following:
  1. Zero transaction fees (e.g. brokerage fees) four times for US and ASX shares every month, for life.
  2. Zero currency exchange fees for the first NZ$2,000 of currency exchanged every month, for life (NZD to/from USD and AUD)
  3. A NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit.
  • Our view is simple: With all other platforms charging fees (Stake, Hatch, Sharesies, Superhero etc.) for FX and/or share brokerage/transaction, Tiger Brokers' offer is unrivalled in New Zealand.​

MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is focused on global investing, and at a time when some other platforms have raised their fees, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. Tiger Brokers is the only global online player to have a local Auckland-based team and to be regulated in New Zealand. It focuses on delivering low fees to global market investors looking to build wealth using shares, futures and options. It continues to innovate and has recently launched auto-invest, fractional shares and its own TigerGPT investment chatbot."
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

Commodities Trading NZ

Options exchanges

​Options are typically, but not exclusively, traded on exchanges. In most cases, when someone refers to options, they refer to exchange-traded options, also known as listed options. In this guide, we’re referring to exchange-traded options.
 
Options are often traded on specialised derivatives exchanges alongside other products like futures. For example, Apple (NASDAQ: AAPL) shares are traded on the NASDAQ stock exchange, yet Apple options ( are traded on CBOE Futures Exchange. Similarly, Royal Mail (LON: RMG) shares, traded on the London Stock Exchange. Yet, Royal Mail options contracts are traded on Intercontinental Exchange.

Options Trading NZ

Where to trade options in New Zealand

Options are traded on regulated options exchanges, such as the Chicago Board Options Exchange (CBOE), Bats Global Markets (BATS) or NYSE American (AMEX). Only large financial institutions can trade directly on an exchange, therefore to access an options market, you need to trade through a broker with membership to an exchange. Not every broker is a member of every exchange, so you should consider what products you want to trade before deciding on a broker.
 
Options trading is not as popular as other investment products in New Zealand, such as stock trading or CFD trading. Therefore, only a handful of brokers are available for New Zealanders to trade options.
Interactive Brokers Options Trading NZ

Interactive Brokers

Interactive Brokers is a flagship brand in the online trading and investing community. It is an international broker licensed in numerous jurisdictions, providing access to dozens of instruments and thousands of products. Interactive Brokers supports over 30 options exchanges across North America, Europe and Asia-Pacific.
Tiger Brokers Options Trading NZ

Tiger Brokers (NZ)

Tiger Brokers (NZ) is one of the largest online brokers amongst the Chinese trading community and gaining popularity worldwide. The company provides access to US, Hong Kong, Chinese, Singaporean and Australian markets and supports stocks & ETF trading, futures, options and warrants. With Tiger Brokers, you can trade US and Hong Kong stock options.
Plus500 Options Trading

Plus500

Plus500 is an international CFD broker headquartered in Israel and listed on the London Stock Exchange (LON: PLUS). The company is licensed in several jurisdictions, including the UK, Australia, Cyprus, Singapore, Seychelles, and New Zealand. Among the numerous markets that Plus500 offers on its platform, the company provides CFDs on options.
Picture

IG Markets

IG Markets is a global online trading brand founded in 1974. The company is listed on the London Stock Exchange (LON: IGG) and is licensed in several regions. IG Markets offers its services to New Zealand from Australia; however, it is a licensed Derivatives Issuer authorised by the FMA. Among the thousands of CFD instruments that IG Markets offers, you can trade CFDs on options.

Options Trading NZ

Frequently Asked Questions

Are options and binary options the same?

On the surface, it looks like binary options are similar to traditional exchange-traded options, but they are very different. 
  • Binary options have very short expiration dates, typically between 60 seconds and five minutes. Exchange-traded options have longer expiries, anywhere from one day to several months.
  • Binary options are an over the counter product, meaning the counterparty is the binary options provider. Real options are traded on regulated exchanges between market participants.
  • Binary options have limited profitability, whereas buying real options has unlimited profitability.

Is there an options exchange in New Zealand?

Yes. The New Zealand Exchange operates an options market. The NZX lists several dairy options and a few other equities and index products:
  •  Whole milk powder (WMP)  
  • Skim milk powder (SMP)
  • Milk Price (MKP)
  • Spark New Zealand (NZX: SPK)
  • Fletcher Building Limited (NZX: FBU)
 
Due to the limited instruments listed, few brokers offer access derivatives listed on NZX. Only investment firms catering to institutional and high net worth clients participate in the NZX derivatives market.​

Do I need to own stocks to trade options?

No. While options contracts can be useful for hedging your stocks and protecting them from volatility, you don’t need to own shares to buy put options. Options are a popular instrument for speculating on financial markets without owning the underlying asset.

Do options have limited risk?

​Options are often touted as having limited risk; this is only true if you buy options contracts. Buying and selling options are not related to going long or short or expecting the underlying asset price to rise or fall. You can buy put options contracts if you expect the price to fall, and you can buy call options contracts if you expect the price to rise. When you buy an options contract, you pay a premium, and that is your entire risk.
 
If you sell an options contract, you earn the premium; if the buyer’s contract closes out-of-the-money, the seller keeps the premium as their profit. However, if the buyer is profitable, the seller must settle the difference between the strike price and market price; this can potentially be an unlimited loss.
 
In summary, buying options has limited risk; selling options has unlimited risk.

What is an option chain?

​An option chain is a table showing quotes for the various options contracts for a given underlying asset. Because listed options are traded on exchanges, contracts need to be structured for participants to trade them efficiently. Each contract has an intrinsic value that is determined by multiple factors besides the underlying price. Therefore, there are numerous instruments for every underlying asset for each expiry date.
 
For example, at the time of writing, a Microsoft put option contract expiring on the 5th of November 2021 with a strike price of 310 is worth 5.80 but a put option with a strike price of 285 is worth 0.65. Each contract is considered a different instrument, each with bid and ask prices, volume and open interest. Below is a screenshot of the Microsoft option chain highlighting the independent pricing characteristics of each contract.
Picture
Image from SaxoTrader
Here are some examples of options contracts from the Microsoft option chain:
  • MSFT/05X21C300
  • MSFT/05X21P300
  • MSFT/05X21C302.5
  • MSFT/05X21P302.5
  • MSFT/05X21C305
  • MSFT/05X21P305

How can I learn more about options trading?

Options trading is a complicated topic. Like any topic related to financial services, there is a lot of misinformation spread by affiliate marketers trying to assure new investors that it’s easy to trade financial instruments. Trading any financial product is not easy, and options contracts are particularly complex.
 
One of the best options trading guides we found on YouTube is just under three hours long. Here are our favourite YouTube tutorials:
  1. Options Trading for Beginners (The ULTIMATE In-Depth Guide)
  2. Options Trading Explained - COMPLETE BEGINNERS GUIDE (Part 1)
  3. Options Trading: Understanding Option Prices
  4. Options Trading For Beginners | Easy Guide On How To Trade Options

If you want to trade Options, please be aware of the significant risks. Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2025 Editor's Choice Awards and offers Options Trading:

  • ​Tiger Brokers (NZ) is a low-cost broker. Currently, the broker offers the lowest commissions, 0.35% FX fees and free level-2 data on US-listed shares and ETFs. For US shares, it's a lower-cost alternative to Hatch, Sharesies, Stake and Interactive Brokers.
  • The company offers access to US, Hong Kong, Singaporean and Australian stock markets and China A-Shares. Altogether, over 7,000 shares are listed on the platform.
  • Exclusive sign-up benefits: In discussions with Tiger Brokers (NZ), their team has advised us that anyone signing up via MoneyHub will receive the following:
  1. Zero transaction fees (e.g. brokerage fees) four times for US and ASX shares every month, for life.
  2. Zero currency exchange fees for the first NZ$2,000 of currency exchanged every month, for life (NZD to/from USD and AUD)
  3. A NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit.
  • Our view is simple: With all other platforms charging fees (Stake, Hatch, Sharesies, Superhero etc.) for FX and/or share brokerage/transaction, Tiger Brokers' offer is unrivalled in New Zealand.​

MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is focused on global investing, and at a time when some other platforms have raised their fees, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. Tiger Brokers is the only global online player to have a local Auckland-based team and to be regulated in New Zealand. It focuses on delivering low fees to global market investors looking to build wealth using shares, futures and options. It continues to innovate and has recently launched auto-invest, fractional shares and its own TigerGPT investment chatbot."
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

Related MoneyHub Guides:
  • Forex Trading Guide
  • Forex Trading Platforms Comparison
  • Futures Trading
  • Commodities Trading
  • Contracts for Difference (CFDs) Guide
  • Hedging Investments
  • How to Invest in Gold
  • Interactive Brokers Review
  • Tiger Brokers (NZ) Review
  • Plus500 Review
  • IG Markets Review
  • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets

Related Guides and Sources (External):
  • MoneyUnder30.com (how to invest in commodities)
  • FIA Q1 Trends in Trading Activity
  • FIA Q1 2021 ETD Volume
  • Intercontinental Exchange
  • Singapore Market Statistics Reports
  • China Shanghai Futures Exchange: Commodity Futures
  • CMEG Exchange Volume Report
  • Q2 2021 trends in futures and options trading
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  • Loans & Finance
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  • Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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      • kōura Wealth KiwiSaver Review
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        • MAS Review
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Best of New Zealand
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      • Queenstown Like a Local
    • 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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    • Essential Information
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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