I started reading about a few start-ups e.g Sharesies but am still having trouble deciding which is the best to go with. I guess my question would be, if I do what I am planning to do, what are the chances of me getting a return of at least between 8-10% per year and also the chance of making a loss in 3-7 years. InvestNow doesn’t charge its users. I always save a percentage of my income towards my emergency fund so that will continue. But equally you can buy them from the NZX at any time, so you can take advantage of moves up and down during the month... again $30 every time, although you might find cheaper brokerage's around. I can't attest to the quality of investment inside Smartshares, and whether they are riding the wave of global market growth vs really doing something. Legacy investment services like … Then you will learn soon enough how much you are willing to be actively involved in the day to day business of buying shares. Note that NZX will do the buying on your behalf on the 20th of the month, but for selling you need a brokerage account like First Direct etc, meaning it costs a minimum of $30 per sell trade. Sharesies vs InvestNow vs Smartshares: Available markets Each of these providers offers access to a different range of financial products. I have been using InvestNow for the last 6 months as a front end for my Index-linked portfolio. Meanwhile Sharesies charges annual or monthly subscription fees for its services … Mortgage free in 2 weeks time. Obviously you will need to consider how much risk you are willing to accept for the desired growth. I'm sorry, did you say your current term deposit rate is 5.5%? I also have aggressive growth kiwisaver but then I still have 25yrs of income earning and I am debt free currently. Will research more about it. Both InvestNow and Sharesies are fund platforms. Please note this sub-forum does not provide professional finance advice. Sharesies vs InvestNow vs SuperLife vs something else? 3-7 years. You can always set up an trading account with the likes of ASB or ANZ and do it all yourself, but you will have to be willing to read up the companies and judge which is best for what your needs are to build a balanced portfolio. If you are willing to pay the fees it could be a good option for you. Sharesies … I have around 20-30K to play with. Are you prepared to lose 20% in the next few years before things improve? Anyone can have an investment portfolio. Hence I plan to spread the risk e.g. If you give Sharesies a try, you know where I would spend the $5 referral bonus. CrashAndBurn: I have some term deposits maturing next month and would like to give investing in … The difference between investing in Term Deposits through InvestNow … Discussion about Sharesies vs InvestNow vs SuperLife vs something else? They charge an admin fee, but have a nicer front end than NZX and are a little more flexible. Invest Now LLC, is a wholesale property company that specializes in purchasing properties at a substantial discount and wholesaling.Our clients receive up to the minute updates on opportunities to … Why not try out several strategies with smaller amounts? They are a PIE as well,  their online processes are fairly slick. I'd add Simplicity (non Kiwisaver) to your list. Sharesies only has two other funds available in addition to the Smartshares ones, while Invest Now has 73. They also offer more than 35 funds, some of which are Vanguard funds mediated through SmartShares. Fund Platforms are services that offer you access to a variety of different funds to invest in, sometimes described as a “Fund Supermarket”. (https://www.smartshares.co.nz). Hi there, I am a noob in the finance world and I am learning about ETFs. How about keeping the cash liquid wait for the crash and buy on a dropping market rather than buy towards the end of a rising one. 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