I split my $50 high risk funds and made minuscule returns. Hartmann says with KiwiSaver it might not even be appropriate to invest through other platforms. It allows Kiwis to invest in more than 140 NZ and global managed funds online, plus provides access to term deposits from 5 banks. Does anyone have any thoughts on the pros and cons and what kind of investor should use which platform? I can't find anything written up, but maybe I've missed it. Superlife comes in second last in terms of fund costs, slightly ahead of Sharesies thanks to lower admin fees. At least not within a month. After losing some milibits at the beginning of June, my $50 investment went up by about 5 per cent to $52.64 at the time of writing this article. The website is super easy to use even on your phone. For quick results you would need to take a gamble rather than make an investment. Recently Sharesies also brought in a new feature allowing you to buy shares in NZX listed companies. Soon- Sharesies will … When you're putting money into anything you should be serious about it, but with Hatch because your investment buys you shares directly in a company, it pays to have a deeper understanding of the company or industry. Withdrawals are free. I chose Natera, a genetic testing company focusing on reproductive health, oncology, and organ transplantation. An additional US2 cents is charged per share beyond this. Hatch goes a step further than Sharesies by offering direct shares in companies listed on the New York Nasdaq index, such as Apple, Tesla and Google. By effort I mean physically getting off my computer, into a car and driving to the bank. Hartman says Bonus Bonds works more like the lotto than an investment. Earlier this year its share price spiked by 24.7 per cent in one day following the announcement of a US$50m partnership with Chinese genetic testing company BGI. It was actually more speculative than an investment. Although the company has been growing rapidly, its profits have been growing steadily every quarter for the past 18 months. There are 26 funds, each with a risk scale. 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). I originally started with InvestNow due to the lack of fees relative to the competition and to just dip my toes into a investing platform and good access to overseas based options. Below that it is free. Use of images to improve presentation is perfectly fine. OPINION: Investing in the stock market is no longer exclusive to the golf-playing, yacht-sailing elite and their hedge fund protected rich kids. To me bitcoin is a bit of a gamble, because of the fluctuations. However, it has some downsides in that I don't find it super intuitive, a little bit complicated to set up automatic deposits and purchases and it doesn't have an App. Every year Bonus Bonds also takes a 1.28 per cent cut for management fees. I split my $50 high risk funds and made minuscule returns. "You're not investing, you're placing a bet," he says. Bonus Bonds by far took the most effort. Below that it is free. 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