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Online share dealing account

InvestDirect is our online share dealing account that puts you in control of your investment decisions.
Buy and sell shares online
Open one of our InvestDirect share dealing accounts if you'd like to be hands-on and make your own investment decisions.You'll be able to trade in residing country's and US equities, residing country's government bonds, investment trusts and a range of residing country's-listed exchange-traded funds.
Explore market research with our interactive tool, set up share price alerts and even test your trading strategy with a virtual portfolio – so, you can make smarter investment choices.
Share dealing carries more risk than investing in a fund. To spread the risk you could diversify your portfolio across shares and other investment types, such as funds. Not sure if share dealing is for you? Our ready-made portfolios could be an easier way to start if you're new to investingnew to investing This link will open in a new window.
Before you invest, be sure to have some money saved for emergencies – ideally 3-6 months of living expenses. That way you won't need to sell your investment to cover any unexpected costs. Remember, the value of investments go up and down, so you may not get back what you invest.

Why open an InvestDirect share dealing account?

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Do your own investment research

Use an interactive tool to better understand market research, and even set up share price alerts.

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Test your trading strategy

Create a virtual portfolio to test your strategy and see how you could aim to grow your money.

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Easy access to your money

You should aim to invest for at least 5 years. But your money isn't locked away – you can sell your investments and the money will usually be in your account within 4 business days.

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Choose from 2 InvestDirect accounts

We've got a choice of accounts, so you can open the one that best matches what you're looking to trade.

Who can apply?
You can apply for a portfolio if:

you’ve got an CCU current accountcurrent account This link will open in a new window or savings accountsavings account This link will open in a new window (excludes Online Bonus Saver and Fixed-rate Saver)
you’re at least 18 years old
you're a resident
If you a citizen all countries we hold branches at.
you've got at least $50 to invest

Fees
For either an InvestDirect or an InvestDirect Plus account, you'll pay a quarterly account fee of $10.50. This covers the costs of us running your account. There's also a fixed fee for each trade you make depending on your account:
InvestDirect: online trading fee for residing country's shares is $10.50 InvestDirect Plus: online trading fee for residing country's shares is $10.50, or just $7.95 after your 9th trade in a calendar quarter
Other fees such as residing country's Stamp Duty Reserve Tax and a PTM Levy may apply.
We don't pay any interest on any cash that is held and isn't invested, as it isn't intended to be kept there for the long-term.

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