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Comparing Sharesies vs Investnow vs Hatch vs ASB Securities vs Jarden Direct and more

In this guide, we look at the pros, cons and costs of Sharesies, InvestNow, Hatch, ASB Securities, Jarden Direct and more when it comes to comparing fund platforms, fund managers and share brokers

Sharesies vs Investnow vs Hatch vs Jarden Direct vs ASB Securities vs Stake
Updated 24 November 2021 
​InvestNow, Sharesies, Hatch, ASB Securities and Jarden Direct are well-known among New Zealand investors as online platforms for trading shares and buying funds. However, each platform tends to excel in a particular area, meaning overall the platforms are quite different. 

In this guide, we look at the pros, cons, and costs of each when it comes to:
  • Comparing Platforms for US Share Buying and Selling (Hatch vs Stake vs Sharesies)
  • Comparing New Zealand-based Fund Managers
  • Comparing New Zealand-based Share Broker Platforms
  • Comparing New Zealand-operated Fund Platforms

Disclaimer: This guide compares various investment platforms, share brokers and managed funds available to New Zealanders. It does not offer financial advice in any form, and only looks at the pros, cons and fees of each offering.

Worried about what happens to your investments if InvestNow, Sharesies, Hatch or another platform collapses or shuts down? Our easy to read custodian guide explains what you need to know. Our Transferring Share Portfolios to Another Investing Platform guide is relevant looking for anyone looking to move platforms.

Sharesies vs Investnow vs Hatch vs Jarden Direct vs ASB Securities vs Stake
Sharesies vs Investnow vs Hatch vs Jarden Direct vs ASB Securities vs Stake

Comparing Platforms for US Share Buying and Selling (Hatch vs Stake vs Sharesies)

Platforms for US Share buying and selling include Hatch, Stake and, as of August 2020, Sharesies. All three use the same dealer-broker infrastructure provided by DriveWealth. This means they offer a similar number of shares and ETFs to invest in, but there are differences in the fees and features of each platform. 

Important: With interest rates so low, US shares have never been more popular as an investment opportunity. However, caution is needed before making any investment.

Know this: As all US shares and ETFs are traded in USD, the fees and pricing below for each platform are stated in USD.

Because there are foreign exchange fees for funding each platform (from New Zealand dollars), there are a few differences. We compare Hatch, Stake and Sharesies side-by-side below:
Sharesies vs Investnow vs Hatch vs Jarden Direct vs ASB Securities vs Stake

Hatch for US shares

FX deposit fee: 0.5% on the interbank rate, no minimum - this is an FX fee for transferring NZD into USD
FX withdrawal fee: 0.5% on the interbank rate, no minimum - this is an FX fee for transferring USD into NZD
Brokerage fee: $3 flat fee to buy or sell up to 300 shares (then it’s $0.01 a share) for all order types (limit, market, stop-loss)
Our review: Hatch
Stake vs Hatch vs Sharesies

Stake for US shares

FX deposit fee: 1% on the interbank rate, $2 minimum fee (this is an FX fee for transferring NZD into USD)
FX withdrawal fee: 1% on the interbank rate, + $2 (and minimum $10 withdrawals; this is an FX fee for transferring USD into NZD)
Brokerage fee: $0 to buy or sell, then tiered pricing up to $19 a month subscription fee for access to limit and stop-loss orders and ‘premium features’.
Our review: Stake
Stake vs Hatch vs Sharesies

Sharesies for US shares

FX deposit fee: 0.4% on the interbank rate, no minimum, this is an FX fee for transferring  NZD into USD)
FX withdrawal fee: 0.4% on the interbank rate, no minimum, this is an FX fee for transferring USD into NZD)
Brokerage fee: 0.5% to buy or sell for orders up to $3,000 and an additional 0.1% for amounts over that​. 
Our review: Sharesies

Hatch vs Stake vs Sharesies Summary

  1. Sharesies offers the lowest foreign exchange fees, but depending on the value of the trade (i.e. above USD 750), may be the most expensive option. For example, a US$2,000 purchase of shares would cost US$10 with Sharesies, US$3 with Hatch (assuming it comprises of less than 300 shares) and is free with Stake (excluding FX fees).
  2. Hatch offers an all-inclusive pricing system which covers all regulatory fee costs, and has the second-lowest FX fees.
  3. Stake offers a free service, with unlimited buying and selling, although it's foreign exchange fee is the highest.

Our view is that each platform offers different things, and appeals to different people. For that reason our suggestion is to read the dedicated reviews of each - Hatch, Stake and Sharesies.

Sharesies vs Investnow vs Hatch vs Jarden Direct vs ASB Securities vs Stake
Comparing Sharesies vs Investnow vs Hatch vs ASB Securities vs Direct Broking

Comparing New Zealand-based Fund Managers

New Zealand has a lot of Fund Management companies who invest your money on your behalf in different assets (like shares and bonds). As the assets increase in value, so does the value of the investment. For this, fund managers charge their investors something known as a 'management fee'. It is a percentage of the total funds under management, for example, 0.25% or 1.50% per year. This means if you have an average investment balance of $10,000 and your management fee is 1.50%, you'll pay $150/year in fees. 

Managed funds can be 'active' (i.e. controlled by a research and trading team who frequently anticipate sharemarket movements and buy and sell shares) or 'passive', i.e. follow an index, such as the NZX 50 or S&P 500.

You can invest with fund managers directly by contacting their customer service team and applying to join. Many have minimum balance requirements (i.e. $5,000), but you can 'trade-in' shares you own as part of your initial investment (for example, if you have $5,000 of shares in A2 Milk, you can convert this into the equivalent dollar investment of a fund. Alternatively, platforms like Sharesies and InvestNow let you invest in many fund managers without the minimum investment.

While this list is by no means a recommendation, locally-operated fund managers that stand out among the crowd (for their strong performance history) include:
  • Milford Asset Management
  • Pie Funds
  • Fisher Funds

Most fund managers will invest in New Zealand and overseas assets, so what fund(s) you pick depends on your risk profile.

Simplicity offers the lowest fee managed fund option:
Sharesies vs InvestNow vs Hatch vs ASB Securities vs Direct Broking

Simplicity Investment Funds

​Minimum investment: $1,000
​Funds and Fees: Simplicity Investment Funds offer ​five funds, with annual fees set at 0.10% (NZ Shares fund and NZ Bond fund) and 0.31% (Growth fund, Balanced fund and Conservative fund), plus a $20 annual membership fee.
Our review: Simplicity Investment Funds

Sharesies vs InvestNow vs Simplicity summary

  1. InvestNow offers the widest number of managed funds and doesn't charge a platform fee.​
  2. Sharesies offers far fewer managed funds but makes up for that by offering thousands of ETFs listed in New Zealand, Australia and the US.
  3. Simplicity offers New Zealand's lowest fee managed fund but isn't offered on InvestNow or Sharesies.
  4. A wide selection of New Zealand Fund Managers, like Milford Asset Management and Pie Funds, are available on InvestNow. 

Sharesies vs Investnow vs Hatch vs Jarden Direct vs ASB Securities vs Stake
Comparing Sharesies vs Investnow vs Hatch vs ASB Securities vs Direct Broking

Comparing New Zealand-based Share Broker Platforms

Share ​Brokers let you buy and sell individual shares, although a fee is charged every time you buy or sell. This is usually a minimum fee (in dollars) or a percentage of the sale. Share Brokers can be online-only (e.g. Sharesies), online and offline (e.g. ASB Securities and Jarden Direct), and offline-only (such as a local Share Broker who you call to buy and sell shares e.g. Craigs Investment Partners and Forsyth Barr, which have offices all over New Zealand.

Share Brokers enable you to trade shares on the NZX, the ASX and/or other markets. Hatch specifically offers US-based shares and doesn't serve anyone looking to invest locally. Unlike Fund Managers who either actively invest or follow an index, you'll need to know what you're doing by way of research before trading any shares.
Sharesies vs InvestNow vs Hatch vs ASB Securities vs Direct Broking

Sharesies

Trading fees: 0.50% for orders up to $3,000 and then 0.10% for any amount over $3,000
Sharemarkets: NZX, ASX, and US exchanges (NASDAQ, NYSE, CBOE)
Our review: Sharesies
Sharesies vs InvestNow vs Hatch vs ASB Securities vs Direct Broking

ASB Securities

Trading fees: 0.30% on trades above $10,000, with fees starting at $15 for smaller trades. 
Sharemarkets: NZX and ASX (other available via phone)
Our review: ​ASB Securities
Sharesies vs InvestNow vs Hatch vs ASB Securities vs Jarden Direct

Jarden Direct

Trading fees: $29.90 (or 0.20% of the trade value, whichever is the greater)
Sharemarkets: NZX and ASX (US, Europe and UK options available as well)
Our review: Jarden Direct

Sharesies vs ASB Securities vs Jarden Direct

  1. Jarden Direct and ASB Securities are both the most expensive for smaller trades given their $25+ minimum trade fees.
  2. Sharesies offers the lowest fees for share trades up to $3,000 given there's no minimum transaction fee.

Sharesies vs Investnow vs Hatch vs Jarden Direct vs ASB Securities vs Stake
Comparing Sharesies vs Investnow vs Hatch vs ASB Securities vs Direct Broking

Comparing New Zealand-operated Fund Platforms

Fund Platforms, such as Sharesies and InvestNow, offer several different funds you can invest in. The platforms don't manage your investment; instead, they let you pick the fund(s) you want to invest in and pass the money onto the underlying fund manager. The platforms let you see the fund performance data and track the results. Fund Platforms are popular with all investor types (i.e. those starting, occasional investors and expert-level) and don't have the high minimum investment levels that individual funds often charge. InvestNow doesn't charge any membership fees, which means the platform's offering is effectively free to use. 

Sharesies and InvestNow are the two most prominent New Zealand-based Fund Platforms, and we compare them side-by-side below:
Sharesies vs InvestNow vs Hatch vs ASB Securities vs Direct Broking

InvestNow

​Minimum investment: $250
​Funds and Fees: 140+ managed funds from 25 well-regarded fund managers, with a platform fee of $0/year. Annual fund fees (including performance fees) range from 0.20% to 3.02%, with many index funds offered.
Our review: InvestNow
Sharesies vs InvestNow vs Hatch vs ASB Securities vs Direct Broking

Sharesies

​Minimum investment: $0.01
​Funds and Fees: Eight managed funds available alongside 1,000+ ETFs
Our review: Sharesies

Sharesies vs InvestNow summary

  1. Sharesies offers less funds but more ETFs, and, unlike InvestNow, investors can hold individual company shares all on the one platform.

Sharesies vs Investnow vs Hatch vs ASB Securities vs Direct BrokingComparing Sharesies vs Investnow vs Hatch vs ASB Securities vs Direct Broking

Sharesies vs Investnow vs Hatch and more - Our Conclusion

There are a lot of options available to everyday New Zealanders looking to invest in shares or funds. Dynamic startups like Sharesies and Hatch have driven down the per-transaction charges and made it easier (and cheaper) to buy and sell shares.

With regards to comparing Fund Platforms and Fund Managers, InvestNow offers the widest selection of funds and doesn't charge an annual platform fee. Sharesies offers the widest number of ETFs given its access to NZ, Australian and US exchanges.

Both Sharesies and InvestNow let you invest in many fund managers without the minimum investment that many fund managers usually charge if you go direct. Best of all, managing your investments is very easy with both Sharesies and InvestNow's user-friendly interface. Neither platforms offer low-fee options like the Simplicity Investment Funds, but the number of funds offered continues to grow as more fund managers choose to join.

Share brokers are more popular than ever, thanks to the rise of low-fee e-trading options like Sharesies, Stake and Hatch. What fund is best for you depends on where you want to invest (locally or overseas) and how much money you want to invest.

Related guides
  • Investing Guide
  • How to Invest in Shares
  • 10 Ways to Invest in New Zealand
  • Hatch vs Sharesies vs Stake
  • Index Funds
  • Sharesies Review
  • Hatch Review
  • InvestNow Review
  • Simplicity Investment Funds Review
  • Barefoot Investor-friendly Financial Products in New Zealand
  • Financial Advisers
  • Transferring Share Portfolios to Another Investing Platform
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