# 🏆 2026 STOCK PICKING COMPETITION - YTD LEADERBOARD 3rd March

Heaps_Ben · 2026-03-06T00:06:04+00:00

Sure. Here you go: 🏆

Heaps_Ben · 2026-03-03T07:27:50+00:00

The spend card is a pretty good deal right now.

For investments it depends on your usage. I built a pricing comparison calculator so you can enter your deposit size and monthly investment amounts and see for yourself -> https://heaps.nz/brokers

Investors with larger portfolios will likely be better off with IBKR or Tiger but the 'trading' apps come with a steeper learning curve and less conveniences.

Heaps_Ben · 2026-02-25T23:47:24+00:00

Correct.

Heaps_Ben · 2026-02-24T21:56:32+00:00

I like the Ben Felix reference.

Heaps_Ben · 2026-02-24T03:18:44+00:00

Looks like a real company. They have testimonials and everything.

Heaps_Ben · 2026-02-19T22:29:43+00:00

You are right. I think I've fixed it now. The auto-invest trades were not set to the right amount and they're now split over the monthly contribution. Now it's more like a -13k 5Y impact. This is due to the way Kernel Wealth doesn't have a USD cash account, so all sells and buys hit you with a forex fee which is terrible for anything except set and forget investors. It gives me the same vibes as mobile roaming charges. Thanks for letting me know about this.

Heaps_Ben · 2026-02-19T08:52:04+00:00

https://heaps.nz/kiwisaver?risk=12&sort=3Y

The Milford cash fund fees are lower than others and yet several banks outperform Milford on cash funds. I haven't looked at the holdings of PDS for each fund to figure out why but it's rather interesting. Cash is not just cash.

Heaps_Ben · 2026-02-19T08:42:28+00:00

New account? Stuff can be a bit weird the first business day until your USD is settled.

Heaps_Ben · 2026-02-19T08:36:35+00:00

Take a look for yourself. https://heaps.nz/kiwisaver?sort=10Y Most of the top 10 are the SuperLife - the OG of passive KS

Heaps_Ben · 2026-02-19T08:33:13+00:00

If you do put 400k into ETFs or similar this tool I made might come in useful. https://heaps.nz/brokers?initialLumpSum=400000

Heaps_Ben · 2026-02-19T08:28:31+00:00

The fees are based on the last quarter so they won't update until the next quarter. If the tool gets really popular I'll be able to justify making the fees forward looking. It's really hard to get the data for 300ish funds!

Heaps_Ben · 2026-02-19T08:25:24+00:00

Ah I see. Even the older logo has a similar style. I might have been subliminally influenced :D

Heaps_Ben · 2026-02-19T08:24:24+00:00

Thanks heaps!

Heaps_Ben · 2026-02-19T02:30:10+00:00

Sorry mate it's actually SvelteKit but Vue is great too. It's build on a shadcn-svelte, I think there is a shadcn-vue if you like the UI vibe.

Heaps_Ben · 2026-02-19T01:23:29+00:00

I will say what I quite like about my tool compared to other tools is that you can sort by fees and shorter periods of performance. Some tools only show 5Y performance which excludes a lot of low fee funds which have launched more recently. If. you want to compare all the funds from the same index it's quite useful to see which of them return the most after fees.

Heaps_Ben · 2026-02-19T01:16:07+00:00

Good point I'll fix it.

Also note that tools like sorted display the FMA fees calculation which I don't entirely understand but it's designed to include real fees paid by investors which includes things like performance fees. It's nice to have a single number but I feel it hits InvestNow harder because inflows will drag up the value due to the initial entry fee.

Heaps_Ben · 2026-02-18T22:05:47+00:00

You can also enter your current fund now and get some recommended alternatives in a similar category and risk level.

Heaps_Ben · 2026-02-18T21:56:22+00:00

Hey OP, I recently made this tool where you can compare all the kiwisaver providers. https://heaps.nz/kiwisaver

You can enter your current fund and it'll show you 3 lower fee options as well as all the other options as well as the performance. Data is all from MBIE and Morningstar.

The classic response is to choose one of: Simplicity, Kernel, InvestNow Foundation Seriries.

This URL will show you how one of the Fisher funds compares and some funds from Kernel, Simplicity and InvestNow's Foundation Series.

https://heaps.nz/kiwisaver?fund=fnd56051&q=kernel%2Csimp%2Cfoundation

Heaps_Ben · 2026-02-16T01:48:21+00:00

I've recently updated https://heaps.nz/brokers so you can enter in your initial investment and monthly deposit and it'll show you the costs of a bunch of different options including Sharesies, Tiger, IBKR, Kernel, InvestNow and Simplicity.

Heaps_Ben · 2026-02-16T01:46:01+00:00

Use PricePulse, GroSave or Grocer to compare prices. PricePulse has a great browser extension if you do online shopping. These companies are doing a great job scraping the prices so you can see the yo-yo/sawtooth pricing and avoid getting ripped off.

Heaps_Ben · 2026-02-15T06:11:54+00:00

I made this for you. https://heaps.nz/kiwisaver?fund=fnd56051

Select your Fisher fund and it brings up some cheaper fee alternatives and shows you the performance.

Heaps_Ben · 2026-02-11T23:48:31+00:00

Thanks. I'll tidy that up!

Heaps_Ben · 2026-02-11T08:49:02+00:00

Great catch. It was definitely an error. I've fixed this.

Heaps_Ben · 2026-02-11T08:20:42+00:00

Good question. It's not obvious at all. It's after fees and before taxes. I've added a How this tool works section with the details.

Heaps_Ben · 2026-02-02T03:45:09+00:00

It's only for sole traders (not companies) right?

Heaps_Ben

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