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
      • 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
      • ANZ vs AMEX vs Kiwibank 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
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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Superhero Review - Understanding the US and Australian Shares and ETFs Investment Platform

We review Superhero, a low-cost share investment platform for New Zealand investors, offering access to US and ASX-listed companies and ETFs. We cover its fees, features, and how it compares to other platforms like Sharesies, Hatch, Stake, and Tiger Brokers.
Superhero Logo NZ
Updated 25 April 2025
Summary:
  • Superhero is a share investment platform offering investment into US and ASX-listed companies and Exchange Traded Funds (ETFs).
  • Superhero charges a US$2 brokerage fee for buying and selling shares in US-listed companies - something unrivalled by any other investing platform. There is an AU$2 brokerage fee if you buy or sell ASX shares or ETFs. This is part of Superhero's '$2 trade' fee relaunch, announced in April 2024.
  • Superhero has no ongoing account fees, as is the case with other share platforms such as Sharesies, Hatch, Stake and Tiger Brokers (NZ).
  • Superhero requires a minimum of AU$100 for each ASX transaction and US$10 for a US-listed transaction.
  • Superhero launched in Australia in September 2020 and was originally backed by the founders of Afterpay and ZIP. Its launch is arguably similar to Sharesies, which originally aimed to make investing in Australian companies more user-friendly and accessible. Since launching, it has extended to brokering US shares and, in May 2023, Superhero launched in New Zealand to help Kiwis invest their money long term.
 
Our take on Superhero:
  • Superhero has some of the lowest pricing that is simple to understand; there are no complicated plans, subscriptions or tiered pricing; it’s very straightforward.
  • Superhero offers features such as auto-invest, stop-loss, instant FX transfers and live market data free of charge (where other platforms may offer these as part of subscriptions).
  • Superhero focuses on one thing and does it very well – an easy way to invest in Australia or US shares and ETFs with the lowest fees among the platforms.
 
To help you understand Superhero, our guide covers the following:
  • The Specs of Superhero
  • How Does Superhero Work?
  • How Does Superhero Compare With Other Options?
  • Must-Know Superhero Facts
  • Superhero Security of Investments
  • Our Conclusion
  • Frequently Asked Questions

An Alternative to Sharesies: Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2024 Editor's Choice Awards:

  • 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. 
  • Bonus Offer: New customers can receive up to NZ$80 in cash bonuses - get NZ$30 when you open an account and make your first deposit, plus an extra NZ$50 when you deposit at least NZ$2,000 within seven days.
  • Global Markets: 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. Receive a NZ$30 cash bonus when you open the account and make your first deposit of any amount, 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 unmatched in value in New Zealand.

MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is aggressively priced for global investors. At a time when some platforms are raising fees or lacking innovation, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. With an Auckland-based team, NZ regulation, and continued innovation (auto-invest, fractional shares, and its own TigerGPT chatbot), it’s a standout choice for cost-conscious investors and one that I use for US and Hong Kong share investments for the reasons outlined above".
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

Superhero Review Specs of Platform

The Specs of Superhero

Superhero customers can invest in the following assets:
 
1. ASX Shares
Superhero enables users to buy and sell the approximately 2,000 shares listed on the Australian Securities Exchange (ASX). This includes:
  • Shares in Australian companies, for example, Xero, Qantas, Woolworths and Commonwealth Bank.
  • Australian Real Estate Investment Trusts (A-REITS). A-REITS invest in (primarily commercial) property, such as Scentre Group, which owns Westfield shopping malls in Australia and New Zealand. Our guide to REITs (albeit with a New Zealand focus) explains what this investment type is.
  • Listed Investment Companies (LICs). LICs choose and invest money into a portfolio of assets on your behalf, for example, Argo (ASX:ARG).
 
2. ASX Exchange Traded Funds (ETFs)
Superhero also allows users to buy and sell ETFs. ETFs are funds that hold many assets, allowing you to diversify your investments easily. Superhero gives you access to around 300 ASX-listed ETFs from several providers, including:
  • Vanguard
  • iShares
  • BetaShares

Examples of ETFs are:
  • A200 - BetaShares Australia 200 ETF
  • HACK - Betashares Global Cybersecurity ETF
  • NDQ - Betashares Nasdaq 100 ETF
 
3. US Shares
You can trade US shares with US$2 brokerage with instant FX transfers & live market data. They provide access to 4200+ US shares. Some of their top-traded US shares include:
  • Tesla
  • Apple
  • Amazon
 
4. US Exchange Traded Funds (ETFs)
Superhero gives you access to 900+ US ETFs. Like US shares, they are US$2 brokerage and also have instant FX transfers and live market data. Per our discussions with Superhero in researching this review, their team confirmed that some of their top traded ETFs are:
  • VOO - Vanguard S&P 500 ETF
  • TQQQ - ProShares UltraPro QQQ
  • BOIL - ProShares Ultra Bloomberg Natural Gas

Superhero Fees

Superhero's fees come in two main forms:
 
1. Brokerage fees
Brokerage fees are charged every time you buy or sell shares through Superhero. These are:

US-listed shares:
  • US$2 for buying or selling shares and ETFs
  • Minimum US$10 trade
 
ASX-listed shares:
  • AU$2 flat fee for buying or selling shares and ETFs
  • Minimum AU$100 trade
 
2. FX fee: 50 basis points added to the rate
The FX fee is A$0.50 per NZD$100 (Australia Trading) and US$0.50 per NZD$100 (US Trading).

The FX fee is converted back and charged in NZD; when transferring back from AUD to USD customers are charged:
  • NZ$0.50 on US$100
  • NZ$0.50 on AU$100

For example, if you transfer NZ$100 to USD, you'll pay 50 cents USD, making it around 78 cents (based on an FX rate of NZD:USD 0.63). This fee is different from some other platforms which charge the FX fee in NZD to convert to USD. How this works:
  • If you're transferring NZ$100 to USD, with an exchange rate of 0.63, you'll initially have US$63 before the FX fee is applied. After the FX fee of 0.50% (or 50 cents in USD), you'll end up with US$62.50.
  • If you convert US$100 back to NZD, you'll be charged NZ$0.50, and the remaining US$99.685 (assuming NZD:USD is 0.63) will be converted back to NZD at the prevailing exchange rate.
  • In essence, you pay a fixed fee when you convert NZD to USD, but get an advantage when you convert back to NZD after selling your shares.

Superhero Review NZ How the Platforms Works

How does Superhero Work?

1. Depositing money
You can deposit money into Superhero from your New Zealand bank account, which is free.
 
2. Buying shares or ETFs
Buying shares and ETFs is as easy as placing an order through the Superhero app. There are just a couple of rules to know when buying shares and ETFs on Superhero:
  1. The minimum investment amount is AU$100 for ASX-listed securities and US$10 for US-listed shares and ETFs.
  2. Fractional shares are allowed if you're buying US-listed shares - Superhero explains this here.
  3. However, if you're buying ASX-listed shares or ETFs, you must buy a minimum of one share or one unit in an ETF - You are unable to trade fractional Australian securities.

For example,
  • If you buy shares in Insurance Australia Group (IAG, AU$4.85 per share), the minimum investment would be AU$ 101.85 for 21 IAG shares.
  • If you buy shares in Commonwealth Bank (CBA, AU$83.50 per share), the minimum investment would be AU$167 for 2 CBA shares.

3. Selling shares and ETFs and withdrawing money
Like buying shares or ETFs, selling is as easy as placing an order through the Superhero site. Once your shares or ETFs are sold, it takes two business days for the transaction to settle, after which you can transfer back into NZD and  withdraw the cash into your bank account.
Unlike other brokers however you are able to trade with unsettled funds from sales at no extra cost.

Superhero Review NZ Comparison with Other Platforms

How Does Superhero Compare With Other Options?

The best way to present this is with two tables - one covering ASX investing and one covering US-listed investing.

US Shares - Superhero vs Sharesies vs Hatch vs Stake vs Tiger Brokers vs Invest Direct vs ASB Securities

  • Our table below reflects the differences between trading platforms when buying US$1,500 shares (for example, around 9-10 Apple shares, or 5 Microsoft shares)
  • All fees and costs are in USD
  • We've ranked Superhero second in the table due to its conversion fee. Customers are charged NZ$0.50 for every US$100 converted from USD back to NZD. We believe this neutralises the seemingly higher 0.50% fee charged when converting NZD to USD (e.g. US$0.50 per NZ$100 exchanged) for the purchase of US shares or ETFs.
Investment Platform
Brokerage fee
FX fee NZD:USD
Pass-through fees / Agency fee
Total Cost ​
Tiger Brokers (NZ)
Minimum $2 per order
(f
lat fee to buy or sell up to 200 shares and USD 0.01 for every additional share after that per transaction)
0.35%
$0.003 per share
$7.25
Superhero
$2
0.50% (charged in USD)
 nil ​
$9.50
Hatch
$0.01 per share
minimum $3 per order

0.50%
 nil ​
  $10.50 ​
Sharesies
1.9% up to a cap of $5
0.50%
 nil ​
$12.50
Stake
$3
1.00%
nil
$18.00 ​
ASB Securities
0.60% (minimum of US$50 per trade plus agency fee)
Not disclosed
(ASB Securities customers can maintain a foreign currency account [FCA] which reduces exposure to FX margins)
0.40%
minimum $40 per order

At least $90.00
Invest Direct
Greater of $69.50 or 0.60% for approved NYSE and NASDAQ Listed Securities
Up to 1.50% (the current margin applied is 0.89% as at 5 May 2023 per their guidance)
nil
$82.85

Australian Shares - Superhero vs Sharesies vs Tiger Brokers vs Invest Direct vs ASB Securities

  • Our table below reflects the differences between trading platforms when buying $1,500 shares (for example, around 300 Qantas shares, or 16 Xero shares)
  • All fees and costs are in AUD
  • Some platforms call their brokerage fee a 'transaction' fee or similar, but for the purposes of our comparison, we have kept the column's title consistent.
  • We've ranked Superhero second; customers are charged NZ$0.50 for every AU$100 converted from AUD back to NZD. We believe this neutralises the seemingly higher 0.50% fee (AU$0.50 for every NZ$100) charged when converting NZD to AUD for the purchase of Australian shares or ETFs.
Investment Platform
Brokerage fee
FX fee NZD:AUD
Pass-through fees / Agency fee
Total Cost ​
Tiger Brokers (NZ)
$0.025% X trade value (minimum $5 per order)
0.35%
0.03% X Trade Value
$10.70, comprised of:
$5 (Brokerage)
$5.25 (FX)
$0.45 (Pass-Through)
Superhero
$2
0.50%
nil
$9.50
Sharesies
1.9% up to a cap of $15
0.50%
 nil ​
 $22.50 ​
Invest Direct
$29.00 (trade value up to $30,000)
Up to 1.50% (the current margin applied is 0.89% as at 5 May 2023 per their guidance)
 nil ​
$42.35
ASB Securities
$15 (up to and including $1,000)
$30 ($1,000 to $10,000)
0.30% (over $10,000)
Not disclosed
(ASB Securities customers can maintain a foreign currency account [FCA] which reduces exposure to FX margins)
Nil
$30
Apart from the brokerage fees, there are a few other key differences between Superhero and the above platforms:
  • Low minimum investments: Superhero offers a low minimum investment (AU$100) in the ASX, although Sharesies and Tiger Brokers (NZ) have no minimum. For US shares and ETFs, it's US$10.
  • Live data and limit orders: Superhero offers live market data and limit orders     .

An Alternative to Superhero: Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2024 Editor's Choice Awards:

  • ​​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. 
  • Bonus Offer: New customers can receive up to NZ$80 in cash bonuses - get NZ$30 when you open an account and make your first deposit, plus an extra NZ$50 when you deposit at least NZ$2,000 within seven days.
  • Global Markets: 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. Receive a NZ$30 cash bonus when you open the account and make your first deposit of any amount, 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 unmatched in value in New Zealand.

MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is aggressively priced for global investors. At a time when some platforms are raising fees or lacking innovation, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. With an Auckland-based team, NZ regulation, and continued innovation (auto-invest, fractional shares, and its own TigerGPT chatbot), it’s a standout choice for cost-conscious investors and one that I use for US and Hong Kong share investments for the reasons outlined above".
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

Superhero Review NZ Facts

Must-Know Superhero Facts

1. It's possible to transfer shares into Superhero from other brokers

If you currently hold ASX-listed shares or ETFs with another broker or on an SRN (Shareholder Reference Number), it's possible to have these transferred over to Superhero. This can be done by completing a transfer form available on their website. Once the transfer is complete, you can manage your holdings through the Superhero platform.

2. Superhero shares are held under custody (similar to how Sharesies, Stake, Tiger Brokers and Hatch operate)

When you buy shares through Superhero, the shares are held in custody on your behalf, i.e. held in Superhero's name. While this can sound daunting, custody arrangements are common in the investing world and highly regulated in Australia and New Zealand. This explainer page on the Superhero website explains more.

3. The brokerage rates lead the market

For US shares, the US$2 brokerage fee is market leading, as does the flat AU$2 brokerage fee for Australian trades.

4. You can only buy whole ASX-listed shares through Superhero

Due to current ASX regulations, you can only buy or sell whole shares.

5. You don't need to buy and sell US-listed shares and ETFs to get exposure to overseas markets

The ASX offers exposure to overseas markets. Many ASX-listed ETFs invest internationally, for example:
  • iShares Core S&P 500 ETF - invests in the 500 largest companies listed on the US share markets
  • iShares Global Healthcare ETF - invests in healthcare companies from around the world
  • BetaShares FTSE 100 ETF - invests in the 100 largest companies listed on the LSE

Superhero Review NZ Security of Investments

Superhero Security of Investments

In this section, we answer common questions relating to the ownership of Superhero and how your investments are protected.

Know This First: What happens to my shares if Superhero shuts down? Superhero coves this specifically in this dedicated guide.

1. Who owns the investments purchased using Superhero?
Your shares are held by Superhero in a custody structure. Australian shares are held on your behalf by Superhero Securities, while US shares are held by Apex Clearing Corporation LLC (Apex). Their website states:
  1. "The shares purchased within your Superhero account are yours and cannot be accessed by others, including claims from any creditors of Superhero" and
  2. "Neither Superhero Securities or Apex Clearing Corporation LLC (Apex) is able to exercise any rights attached to the ownership of your securities, including disposing of, or otherwise dealing in, your securities, unless you instruct Superhero Securities to do so".
 
2. Who owns Superhero?
Superhero is privately owned by its co-founders John Winters and Wayne Baskin along with key investors.
 
3. Who is the Custodian?
For Australian securities, assets are held on your behalf by Superhero Securities that operates under an Australian Financial Services Licence (AFSL). Superhero is authorised under its AFSL to provide custody services to its customers.
 
For US securities, assets are held on your behalf by Apex Clearing Corporation LLC (Apex). Further details can be found on Superhero's website.
 
Who is the auditor?
Superhero currently utilises the services of BDO Australia Limited as the external auditor.

Superhero Review NZ Conclusion

Our Conclusion

  1. Superhero has US$2 brokerage for US-listed shares and ETFs in line with AU$2 brokerage for ASX-listed shares and ETFs. The US-listed fees are unrivalled by the main share platforms.
  2. The minimum investment amount is only US$10 for US-listed and AU$100 for ASX-listed shares, which makes it accessible for smaller investors.
  3. Superhero provides access to a large range of investments. Members have a range of 5,000+ US-listed securities and 2,500+ AU-listed securities, including in some of the largest and most well-known Australian companies.

Keep in mind:
  1. Support is limited to live chat or email.
 
Final thoughts
  • The US$2 US share and ETF brokerage fees are the biggest benefits of Superhero. It's particularly attractive for investors just starting with investing in the ASX and US markets, those with smaller amounts to invest, or those intending to make more regular transactions.
  • At a time when Stake and Sharesies have increased their fees, Superhero offers something unrivalled - US$2 brokerage fees on US shares. The 50 basis points FX fee is also competitive with Hatch and Sharesies and half the fee charged by Stake. This doesn’t come at the expense of features however with live data, instant FX transfers and the ability to trade unsettled funds all available without the need for premium subscriptions or plans.
  • Superhero has some of the lowest pricing that is simple to understand; there are no complicated plans, subscriptions or tiered pricing; it’s very straightforward.
  • Superhero offers features such as auto-invest, stop-loss, instant FX transfers and live market data at no additional cost (where other platforms may offer these as part of subscriptions).
  • Superhero focuses on one thing and does it very well – an easy way to invest in Australia or US shares and ETFs with the lowest fees among the platforms.

Superhero Review NZ Frequently Asked Questions

Frequently Asked Questions

Beyond the list below, Superhero has a comprehensive library of guides which are designed to answer and explain Superhero-specific questions.

What is the ASX?

ASX stands for the Australian Securities Exchange, which operates similarly to the NZX. It is heavily regulated by ASIC and is the trading house for shares in many well-known Australian companies.

What's better? Shares or ETFs?

Shares give you the most control over your investment as you can pick precisely which companies you wish to invest in. But while you can't control exactly which companies ETFs invest in, ETFs allow you to easily diversify your investment portfolio (as they invest in many companies) and save you from having to research each company you wish to invest in. Ultimately the decision between shares and ETFs comes down to your personal investment preferences and objectives, and Superhero gives you the flexibility to pursue both strategies.

Our guide to shares vs ETFs has more information.

What is the minimum amount required to start investing with Superhero?

The minimum amount is US$10 for US-listed shares and AU$100 for ASX-listed shares.

How do I choose which shares or ETFs to buy?

Choosing which shares to buy depends on your investment goals, risk tolerance, and research. For example, some investors focus on well-established industrial companies with a history of stable growth, while others look for high-growth, smaller companies with the potential for significant returns. Thorough research, understanding the company's financials, and following market news can help you make informed decisions.
 
One thing is clear - in 2020 and 2021, many New Zealanders bought shares in NZX-listed companies like My Food Bag, Cannasouth, and Rua Bioscience, as well as US listings such as All Birds and Rocketlab. However, since their share price peaks, most of these companies are now worth 50% to 95% less, evaporating everyday investments. If you're unsure what to invest in, we suggest reading more about ETFS - our guide has more details.

What is the difference between ASX and US markets?

The ASX, or Australian Securities Exchange, is the primary stock exchange in Australia, while the US markets include major stock exchanges like the New York Stock Exchange (NYSE) and the NASDAQ. The primary difference between these markets is the listed companies, currency, and time zone in which they operate. Additionally, regulatory environments and tax implications may vary for investors based on residency.

How do I track my investments in Superhero?

As outlined in Superhero's guide, you can track your total Superhero portfolio performance in your Superhero Dashboard. You will also be able to see the following:
  • Portfolio Value: This shows how your overall portfolio is performing. You can track your Aussie and US portfolios separately and together.
  • Holdings: This tracks the return on each of your investments and their current value, as well as your overall portfolio return.
  • Diversification: Understand how your portfolio is diversified across different sectors, including Information Technology, Materials, Energy and Financials.
  • Following: Keep track of the performance of the stocks you follow.

An Alternative to Superhero: Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2024 Editor's Choice Awards:

  • 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. 
  • Bonus Offer: New customers can receive up to NZ$80 in cash bonuses - get NZ$30 when you open an account and make your first deposit, plus an extra NZ$50 when you deposit at least NZ$2,000 within seven days.
  • Global Markets: 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. Receive a NZ$30 cash bonus when you open the account and make your first deposit of any amount, 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 unmatched in value in New Zealand.

MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is aggressively priced for global investors. At a time when some platforms are raising fees or lacking innovation, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. With an Auckland-based team, NZ regulation, and continued innovation (auto-invest, fractional shares, and its own TigerGPT chatbot), it’s a standout choice for cost-conscious investors and one that I use for US and Hong Kong share investments for the reasons outlined above".
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

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          • Other Coins
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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      • Health Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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        • Qantas 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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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Alternative Mortgage Options
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      • Lifetime Home Review
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      • 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
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      • How to Manage Higher Mortgage Payments
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • Best House Price & Valuation Websites in New Zealand
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    • Selling a Home
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      • Bridging Finance
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      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
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      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
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      • KiwiSaver Must-Know Facts
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      • What's My PIR?
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      • KiwiSaver First Home Grant Guide
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      • MAS KiwiSaver Scheme
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      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
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      • Business Brokers
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    • Business Calculators & Resources
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    • For Startups
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  • MSD
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    • NZ Superannuation in a Nutshell
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  • Motoring
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      • Turners Cars Review
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • AA Membership Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
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      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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      • Air New Zealand Skycouch Review
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      • 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
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    • Foreign Currency Exchange
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  • Travel Insurance
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    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • 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
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    • Apple Watch Buying Guide
    • Spark Mobile Review
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    • One NZ Mobile Review
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    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • Electric Kiwi Broadband Review
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      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • 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
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • How to Maximise Income in Retirement
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Financial Coaches
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
      • SortMe Review
    • Repaying Debt
      • Debt Help
      • Debt Repayment Apps
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
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