Understandably, as balances increase, the annual fee as a percentage of investment balance falls. In addition to the Sharesies subscription platform fees, there are annual fund fees (which vary depending on the funds - if any - you invest in). Over the course of his 15-year writing career, Tim has reported on everything from travel and personal finance to pets and TV soap operas. 10 Top Investments for Young New Zealanders, Investing in the US Stock Market from New Zealand, Barefoot Investor-Friendly Financial Products in New Zealand. Sharesies charges a 0.4% currency conversion fee, while the following transaction fees apply in USD: InvestNow and Smartshares don’t allow you to buy shares in US companies directly, but they do offer exposure to US stocks through managed funds and ETFs, respectively. 35 ETFs across NZ, Australia and global stock exchanges. Optional, only if you want us to follow up with you. We may receive compensation from our partners for placement of their products or services. InvestNow is an online investment platform based in Wellington. Compare Sharesies, InvestNow and Smartshares with other online investing services to find the best platform for your needs. For example, while you can use Sharesies to invest in shares, ETFs and managed funds, InvestNow provides access to managed funds and term deposits. Some of the ETF issuers are (click each o… All international Sharesies funds are 100% hedged to the New Zealand dollar. There is no subscription fee for anyone with a portfolio balance below $50. Smartshares Exchange Traded Funds – read our Investment Statement and learn more about our products. This means there is no annual fee to hold Smartshares (Simplicity and Sharesies both charge $30 per year on top of their fund management fees - the $30 Smartshares establishment fee is a one-off). An index fund is different to many other managed funds, which have investment managers working to predict market movements and make investments on your behalf to add value to your portfolio. Visit our, You’ll also need proof of address and a form of ID, To keep your Sharesies active, you must pay the monthly or annual subscription fee, You’ll need to pick which fund(s) you want to invest in based on your sensitivity to risk, Socially responsible investments (Pathfinder), The Australasian Dividend Fund (refer to the, Want to compare Sharesies with Hatch and Stake for. Great for beginner to start because of low entry requirement. The Smartshares range of ETFs includes socially responsible international equity exposure, access to Robotics & Automation and Healthcare Innovation ‘megatrends’, and passive global bonds. Launched in June 2017, Sharesies is an online investment platform that provides investors with access to over 3,000 companies and funds in NZ and the US. Management fees are built into the price of ETFs and managed funds and are charged by the fund manager Sharesies partners with. Sharesies, InvestNow and Smartshares are three well-known online platforms that aim to help Kiwis grow their wealth. Sharesies, InvestNow and Smartshares all have their strengths and weaknesses. Our values statement is simple: MoneyHub exists to give every New Zealander the information they need to make better financial decisions. If you are unsure you should get independent advice before you apply for any product or commit to any plan. Our. Sharesies and Smartshares both allow you to invest in ETFs. Sharesies is a very simple service that buys from the NZX Smartshares portfolio, but only a subset of them. Other funds invest in 500 or more companies, meaning you are well diversified. Comparing Sharesies vs Investnow vs Hatch and more, Top 10 New Zealand Personal Finance Experts, Trusted Insurance Brokers in Christchurch, American Express Airpoints Platinum Review, Best Foreign Currency Debit & Credit Cards, TransferWise International Money Transfer Review, Renting Directly to Tenants vs Using an Agent, Trusted Mortgage Brokers in Napier and Hastings, Fixed or Floating Mortgage Rate Calculator, How to Check Your KiwiSaver Contributions, New Zealand Defence Force KiwiSaver Scheme, 65+ Best Online Shopping Websites in New Zealand, The Complete Guide to Renting in New Zealand, Hardship Assistance - Urgent Costs and Living Expense Assistance, Student Job Interview Questions and Answers, Investment options specific for young people and outside of the housing market have been few and far between for young people in New Zealand. The three Pathfinder funds offer socially responsible investment for as little as 1 cent, unobtainable for less than $5,000 before Sharesies. The Dotcom bubble in the early 2000s sank global indexes, as did the 2008 Global Financial Crisis. The transaction fees for NZX-listed companies are low, and because Sharesies offers fractionalised shares, investors can invest as little as 1 cent in any share or fund. What are the differences between those available platforms? If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. Smartshares - these are a sharemarket or equity investment. Launched in March 2017, it provides access to over 140 managed funds and a range of bank term deposits. Sharesies vs InvestNow vs Smartshares: How much does it cost to invest? The index fund benefits from low operating expenses and management fees due to the fact that the fund must invest in the companies within the index and therefore doesn't need fund managers to make judgments or research in order to make the investments. Sharesies. For the purposes of this review, we cover the New Zealand-orientated shares and funds: our comparison of Sharesies with Hatch and Stake is, Comparing Sharesies vs Investnow vs Managed Funds and more. After providing proof of ID and address, you’ll need to decide your initial investment and what fund to pick. Here’s how you can buy shares in it from New Zealand. Now InvestNow added SmartShares ETF into their offerings, it further lower the cost of US500 ETF. Your simple guide to the S&P/ASX 200, how it works, and how to invest in this benchmark index from NZ. ANZ offers six KiwiSaver plans and a handy Lifetime Option for investors. People have invested $7 million through Sharesies since its beta version launched in June. The returns/profit you make don’t necessarily depend on the risk you take. The annual subscription fees ($30/year) are the highest for small investors which may discourage some to join, especially when InvestNow and Smartshares offer the same funds without a subscription fee. Because of this, we’re required to pay 28% tax on a deemed dividend of 5%. Given the low fees an index fund charges and the reliability in outperforming active funds, it's a relatively conservative approach to investment for your retirement. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. They have low minimum investment amounts, … Overtaking the InvestNow FNZ fund at around the $15,000 mark. If you want to invest directly in NZ or US shares, Sharesies is the clear choice. Which means that there are now over 60 US Vanguard funds available on their platform. I've made a table to compare four investment service in NZ. In short, it’s a “set and forget” offering based on the rationale being that market investment always beats a fund manager in the long term with the risks being relatively low and the returns seen to be reliable. Learn how we maintain accuracy on our site. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Hatch is another Wellington based service owned by KiwiWealth, and they’ve recently reached over 10,000 investors. Enough already, let us move on. The $1.50 - $3.00 per month fee is poor value for money if you only have a small investment - for example $18 on a $500 investment is a 3.60% management fee (the range is usually 1-3% among New Zealand fund managers). The Wellington-based platform offers investment into over 170 NZX-listed companies and 35+ managed funds, with subscription fees starting at $1.50 per month for balances over $50. The difference between SmartShares and Sharesies is $163.34, 3.3%. You should also be aware of the 0.4% exchange fee when you convert NZD to USD. If you’re doing a Sharesies vs InvestNow comparison, you’ll be interested to learn that both providers provide access to managed funds. The choice is more limited with Sharesies, where you can invest in a total of eight funds from the following fund managers: Sharesies doesn’t charge fees on managed funds, so you’ll need to check with the fund provider for details of all costs involved. InvestNow, Smartshares and Simplicity are now able to enter the championship ring. Sharesies runs a subscription fee to use their platform, starting at $1.50 per month to use its platform for balances over $50. The fees for these Vanguard ETFs are not as transparent as the Smartshares funds on Sharesies. In this video I'll be looking at the two main DIY investing platforms in New Zealand, Sharesies and Investnow. These include: Smartshares charges a $30 setup fee when you first apply, while annual management fees vary depending on the fund you choose and range from 0.20% to 0.75%. To buy US shares, you’ll need to convert your NZ dollars into US dollars. We may also receive compensation if you click on certain links posted on our site. Sharesies provides access to over 30 ETFs on the NZX, as well as ETFs from the New York Stock Exchange (NYSE), Nasdaq, and the Chicago Board Options Exchange (CBOE). And because it also offers access to ETFs and managed funds, Sharesies wins points for offering potential diversification. The upside with smartshares is no fee to buy or sell directly with them (AFAIK) whereas with an ASX traded ETF like Vanguard will have brokerage fees to buy and sell (0.3% with ASB securities online). This guide features a Sharesies vs InvestNow vs Smartshares comparison. Want to know how to trade or invest in the NZX? InvestNow vs Sharesies . In a nutshell, Sharesies is the most expensive platform in its class for small investors. Direct from a fund manager. Through Sharesies you can buy and sell shares in over 2,300 US companies listed on the New York Stock Exchange (NYSE), Nasdaq, and the Chicago Board Options Exchange (CBOE). Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Many of the shares your fund invests in will pay dividends. As is the case with any index fund or equities investments, markets go up and down. It takes about ten minutes via their online form and payment options are made clear during the process. There are now more than 60,000 New Zealanders invested in Smartshares, either directly or via its SuperLife KiwiSaver business, or through financial advisers and investment platforms, Sharesies and Invest Now. What does the future hold for investments? Sharesies may not be for everyone. You can set up a Sharesies account if you’re an NZ resident aged 16 years or older and you have an NZ bank account. Finder is committed to editorial independence. Hatch gives Kiwis easy access to the United States sharemarket, and with this access comes the opportunity to invest in 754different US domiciled ETFs!!! The underlying investment funds offer diversity in the sharemarket (both in New Zealand and overseas) without significant risk. US 500 ETF at low contribution So, this uses up some of the cash received from underlying company dividends as well. ​We cannot accept liability for any decision made based on our information. You’ll need to be at least 16 years of age and have an NZ bank account. There are no brokerage fees when you buy an NZ ETF, but they do apply when you buy an ETF on a US exchange (0.5% on orders up to $3,000 and an additional 0.1% on amounts above $3,000, charged in USD). The great thing with sharesies is that it gives you access to buy investments from as little as $5 (compared with InvestNow’s $250 minimum, or $50 when recurring). Sharesies offers a great number of funds for a new investor - the 35+ currently available offer diversity and won't overwhelm the investor looking for the most suitable fund. There’s a key question you’ll need to consider when choosing an investing platform: What fees does the provider charge? InvestNow offers access to more than 140 funds from over 20 NZ and global fund managers, including: You can choose from a regular investment plan or a one-off investment, and access funds that target international shares, listed property, fixed interest and more. We are an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Here’s everything we know so far about the Roblox Corporation IPO. Sharesies offers many funds which are also offered by. To gain exposure to NZ shares on InvestNow or Smartshares, you’ll need to consider a managed fund or ETF. Smartshares funds sit on the fence between the two. With regards to user experience, Sharesies makes logging in seamless. Sharesies isn’t for the short term. Being able to buy shares worth $200 for a $1 fee is market-leading, although it's essential to understand that the $30 annual fee for being a Sharesies member will still apply. There are four products in the range, TENZ, MIDZ, FONZ and MOZY. Sharesies fund takes 11 years to get to an annual cost of investing of below 0.7%. Electric vehicle (EV) stocks to watch and how to invest, Review: Interactive Brokers online share trading broker, From $0 to $3, depending on the value of your portfolio, 0.5% for orders up to $3,000 and 0.1% for order over, 0.4% exchange fee when you change NZ dollars into US dollars. In this guide, we outline what Sharesies is, what funds and shares they offer to the Kiwi investor, the pros and cons of Sharesies and fees. Sharesies is again the highest cost provider across pretty much all time ranges. There’s no joining fee, meaning every dollar you invest goes directly to your Smartshares holdings. Sharesies only has two other funds available in addition to the Smartshares ones, while Invest Now has 73. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Sharesies and Smartshares both allow you to invest in ETFs. Sharesight tracks share prices, trades, dividends, performance & tax! It plays an important part in my plan to achieve financial freedom by only do a few smart things and nothing much else. Its purpose has been to make investing obtainable for young people. Want to compare Sharesies with Hatch and Stake for US Shares? When a company declares a dividend, your fund will receive money and buy more shares in the ETF with the dividend received. weekly, monthly) and then the start date. For example, the NZ Top 50 Sharesies fund invests in the 50 largest New Zealand listed companies, so you are well diversified. In rare instances, a provider will change a price or product before we've had a chance to update our information; double check prices first before making any decision. Sharesies is available for anyone who is 16+ years of age, an NZ resident, and has an NZ bank account. The other funds contain New Zealand and overseas heavyweights, including defence/arms manufacturers and oil drillers. Annual management fees are charged as a percentage of your total investment, but the percentage amount varies depending on the ETF. Subscription fees for Kids accounts (children under 18) are half-price. Participants looking to invest in a low risk, index fund with low fees can find a lot of choice from the Sharesies funds. An index fund operates no matter the state of the markets, so as markets overall go up your investment is worth more, and vice versa. We like the Pathfinder funds as alternatives for socially-minded savers, but the Smartshares offering now includes a number of sustainable funds. Fee amounts and pricing structures vary depending on the platform you choose. This means that if our dollar rises against any overseas currency your Sharesies has investments in, the value of the overseas investment does not reduce due to the hedging in place. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. The platform's low transaction fees for NZX share purchases is game-changing. You do however get the option of being paid out in cash when a dividend is declared, and the value will be sent to your bank account. BNZ offers six KiwiSaver funds for different risk profiles, including a unique First Home Buyer Fund. There are 25+ funds in total, outlined below in the categories of: As a Sharesies member, you'll pay between $18 to $30 per year as a subscription fee. It’s made very user-friendly for beginner investors. NZX exchange-traded funds business Smartshares has ticked over $2 billion in funds under management. You get up to date data that tells you details like increases or decreases in value from the previous day and monthly returns. Interactive Brokers offers some of the lowest brokerage fees on the market, but there are caveats you need to be wary of. But the new NZG fund for InvestNow and Smartshares proves cheaper than Simplicity. To explain a bit more, Sharesies users are given the opportunity to invest in eleven funds – each one a different risk profile. If you’d like to make regular contributions to your investment portfolio, Sharesies makes it easy. It's quick to sign up. In practice, an investor could purchase a fraction of every share on the NZX for less than $2 (including transaction fees), signalling just how cost-effective the transaction costs are. Sharesies allows people with a minimum of $5 to invest to put their money into Smartshares exchange-traded funds. The only fees they will pay are those set by the funds in which they invest. Our dedicated, Want to know about ethical investing and the opportunities available? SmartShares vs SuperLife vs Simplicity vs InvestNow. If you’re looking to trade US stocks from NZ, the most direct way of these to do so is via Sharesies. … Who is the company behind it? I'll be comparing them in terms of:1. The funds offered tick the box for diversity while staying committed to market heavyweights in New Zealand, Australia, the USA and Europe. While we are independent, we may receive compensation from our partners for featured placement of their products or services. "We want all New Zealanders to know investing is an option for them. China, ... a platform offering around 120 funds, and Sharesies, a platform offering around 40 funds. Who will win in the PS5 vs XSX video game console war? For a quick breakdown, check out the table below. Here’s everything we know so far about the Innoviz Technologies IPO. Some are low risk, some a medium risk and some are high risk. Sharesies is a great advancement for New Zealanders of all ages looking at an affordable way to enter the sharemarket locally (and overseas) without their investment being eaten up in brokerage fees. When you invest with Smartshares, you’ll need to pay a one-off establishment fee. Index funds historically outperform managed funds. To put my money where my mouth is, over 90% of my investment are in ETF and Index Fund. However, an annual $30 subscription fee applies, whereas members of. Sharesies offers a choice between a monthly or an annual subscription, but the cost of a monthly subscription depends on the size of your portfolio. We’ll take an in-depth look at which provider offers what a little further down the page. Making your initial investment in Sharesies is very straight forward for even the most inexperienced investor. The funds available are offered by Pathfinder Asset Management (an. Ultimately the monthly/annual fees make it less competitive than other platforms, meaning $18 per year on a $500 balance is a high price to pay. Share brokerage fees also apply, as do management fees when you invest in an ETF or managed fund. you. From August 2020, Sharesies now offers US stocks and ETFs. 0.5% transaction fee for orders up to $3,000, An additional 0.1% fee for amounts above $3,000, ETFs that invest in NZ, Australian, US or international shares, ETFs that track the performance of a specific index, such as the NZX 50 or the ASX 200, Environmental, Social and Governance (ESG) shares. However, other platforms can be cheaper and don't charge such fees. You set the amount you want to invest/pay, the frequency (i.e. As an alternative. Tim Falk is a freelance writer for Finder, writing across a diverse range of topics. Everything else is the same as Smartshares when it comes to the underlying investments, but the difference is the monthly or $30 annual fee for Sharesies ($0 for Smartshares) and the minimum contribution is 1 cent (but $500 for Smartshares). You can trade shares in more than 165 companies and ETFs listed on the New Zealand Stock Exchange (NZX), including well-known names like Spark and The A2 Milk Company. Which one is the most secure or safe if I wanna put my money in there for say (just wondering, not my intention) retirement or like 10+ years long term. We update our data regularly, but information can change between updates. With SmartShares you are buying a unit in a fund so you get an individual unit allocated against your common shareholder number (CSN) whereas with SuperLife you are buying a pooled investment where you don’t actually own the units so you can’t control the price you sell it at. On InvestNow, the platform doesn’t charge any fees to customers — but you will need to pay fees charged by the fund provider, including management fees and entry and exit costs. ​Our priority is accurate information. N/A (although there is a $250 minimum investment). So basically Superlife got the most function and investment option. The company is a business owned by NZX - the company which runs the … Invest Now, which launched in March and is in the process of buying Rabo Direct’s managed funds business, has over $100 million under management. We link to other websites throughout this website, but take no responsibility for the content they publish. ... Paying off debt vs investment. According to Fortune Magazine, the S&P 500 (the major American sharemarket index) outperformed more than 82% of all active funds over a 15-year period. Leading online share portfolio tracker & reporting tool for New Zealand investors. Finder ROW Pty Ltd (ABN 38 624 431 750) provides factual information on and compares many, but not all, products and services. Wholly owned by NZX, Smartshares provides access to dozens of ETFs. To buy and sell shares on the NZX, you’ll need to pay a 0.5% transaction fee on orders up to $3,000, while an additional 0.1% fee applies to amounts above $3,000. Hi guys, Looking to start investing but there are soo many apps and platforms in NZ alone! I am noticing that there is a cohort of investors frantically rushing to invest in shares to “make the most” of this current crisis. We are a journalistic online resource with the aim of providing New Zealanders with the best money guides, tips and tools. From the perspective of user experience, Sharesies goes beyond all expectations and delivers a friendly platform that is rich in design while making investments easy. But InvestNow and Smartshares both offer a wide range of choice of managed funds and ETFs respectively, so they’re well worth considering if you want to invest in those options. InvestNow is a New Zealand-based investment platform that provides online access to KiwiSaver, Managed Funds and Term Deposit investment options. The benefits of Sharesies is that investments can be as little as $5, but for a serious investor willing to contribute at least $1,000 a year to their fund, the free fee offering from. More, Sharesies makes logging in seamless regular contributions to your Smartshares holdings represent the profits from companies from finder.com. First time with Smartshares how to invest in 500 or more companies meaning! There are now at record highs, but take no Responsibility for content. You apply for any decision made based on our site costs to invest in.... Product or commit to any plan investment service in NZ or US shares, you ’ ll an... Of NZ and global fund providers can find a lot of choice from the NZX top of fund )! Fund invests in will pay dividends achieve financial freedom by only do a few smart things and nothing much.. 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