Tātaitai Utu Sharesies / Hatch / IBKR
Whakatauritehia ngā utu pae haumi NZ me te tāke FIF.
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai ngā utu pae me ngā ture FIF IRD mai i Sharesies / Hatch / IBKR / Jarden + IRD FIF. Tirohia whakamutunga 18 Haratua 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā utu pae haumi NZ
Utu o nāianei- •Sharesies: $5/marama
- •Utu hokohoko: 0.5%
- •Hatch: US$3/hokohoko
- •IBKR: US$1 min
- •Jarden: $30 min
- •Paepae FIF: NZ$50,000
Puna: IRD — FIF
Whakatūpato
He whakatau tata nō tēnei tātaitai, hei whakamōhio noa iho. Kaua e whakawhirinaki ki ēnei hua hei tohutohu pūtea, tāke, ture rānei. E ai ki ngā raraunga tūmatanui a te IRD, ā, ka huri pea. Me kōrero ki tētahi kaitohutohu pūtea tohu mō ōu āhuatanga ake.
Ngā utu pae me te tāke FIF
Ka rerekē ngā utu, ngā utu FX, me te FIF i runga ake i te $50k.
- 1
Utu tuhinga
Tuhinga = ā-marama × 12
Kāore he tuhinga Hatch/IBKR.
- 2
Utu hokohoko
TxCost = max(min ia hokohoko, rahi × %)
Sharesies 0.5%. Hatch $3. IBKR $1.
- 3
Utu FX
FX = takoha × reiti
Pai ake te IBKR mō te FX nui.
- 4
Tāke FIF
FIF = tapeke × 5% × taupae
Whakapae 5% × tō taupae.
Tauira
Tāuru: $50k Sharesies
Hua: $160 utu + $825 FIF.
Ngā Pātai Auau
Ko tēhea pae te iti rawa mō te kaihaumi NZ?
Āhea ka pā te tāke FIF?
Me whakatakoto au i te whakahokinga tāke mō Sharesies?
Ka taea te whakamahi KiwiSaver mō ngā hea o tāwāhi?
Ka whakataurite tēnei tātaitai i ngā utu ā-tau a Sharesies, Hatch, Interactive Brokers, me Jarden Direct mō te rahi o tō kōpaki me ō koha — tae atu ki ngā utu whakawhiti moni me te tāke FIF e pā ana i runga i te NZ$50,000 o ngā hea tāwāhi.
Me pēhea te mahi a tēnei tātaitai
He iti te āhua o ngā utu pae engari ka piki-huamoni ki a koe pērā i te piki o ngā hua. Ka utua e te tātaitai ngā wāhanga e toru mō ia pae. Ohaurunga: tae ki te $5/marama tā Sharesies, kāore ā Hatch me IBKR. Utu tauhokohoko: 0.5% tā Sharesies ia hoko, US$3 papatahi tā Hatch, mai i te US$1 tā IBKR, $30 iti rawa tā Jarden Direct mō te NZX. Whakawhiti moni: ko te huri i te NZD mō ngā hea o Amerika he 0.50% i Sharesies, 0.75% i Hatch, tōna 0.02% i IBKR — te tino wehenga mō te hunga koha auau. Waihoki, ina eke te utu katoa o ō hea tāwāhi ki runga i te NZ$50,000, ka pā te pūnaha FIF: i raro i te tikanga FDR ka tākehia koe mō te hua-whakariterite 5% i tō reiti taupae, ahakoa te hua tūturu. He ōrite te tāke FIF i ia pae, nō reira whakaitihia ngā utu ka taea, māramahia te tāke kāore e taea.
Ngā utu pae (waenga-2026)
| Sharesies | $5/marama (kore-utu i raro i te $50) + 0.5%/hoko + 0.50% FX |
| Hatch | US$3/hoko + 0.75% FX, kāore he ohaurunga |
| Interactive Brokers | Mai i te US$1/hoko + ~0.02% FX |
| Jarden Direct (NZX) | $30 iti rawa ia hoko |
| Paepae FIF | NZ$50,000 utu o ngā hea tāwāhi |
| Tikanga FDR FIF | Hua 5% whakariterite × tō reiti taupae |
Ka huri ngā utu — whakaūngia i ia pae; ka pā te FIF ki te tangata.
Ngā Tauira Mahia
Kōpaki $50,000 i Sharesies, koha $10,000/tau, 33% te reiti taupae
Utu pae ≈ $160/tau; tāke FIF i te paepae ≈ $825/tau — nui ake te tāke i ngā utu.
- Ohaurunga: $5 × 12 = $60
- Hokonga: $10,000 × 0.5% = $50
- FX mō ngā koha: $10,000 × 0.50% = $50 → tapeke pae ≈ $160
- FIF (FDR): $50,000 × 5% × 33% = $825
Ko taua kōpaki me ngā koha mā Interactive Brokers (12 hokonga/tau)
Utu pae ≈ $22/tau — engari ka mau te FIF $825; penapena ki Sharesies ≈ $138/tau.
- Hokonga: 12 × ~US$1 ≈ NZ$20
- FX: $10,000 × 0.02% = $2 → tapeke pae ≈ $22
- He motuhake te FIF i te pae: $825 ahakoa
- Ka piki te āputa: $138/tau i te 7% ≈ $1,900 i te tekau tau
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
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