Money that grows with you
Build your wealth with smart tools, local expertise, and a platform trusted by thousands of Kiwis. Customise, automate, and track your wealth - all in one place.
40,000+
Investors with Kernel
$2billion+
Invested in Kernel Funds
100%
Kiwi owned and operated
0.25% p.a.
Some of the lowest fees in market
Diverse ways to grow your wealth
Your life, your wealth,
managed effortlessly
Choose the account type that best fits your needs, preferences or family make-up. Leave the rest to us.
Set an individual account up in minutes, to manage and grow your money with Kernel.
Whether it’s kids, individual or trust accounts, we’ve got your family covered.
Protect future generations’ wealth through setting up a trust account with Kernel.
Set up a business account to gain access to our financial products. Or, enable your employees to grow their wealth through group solutions.
Whether you have a financial adviser, or are one, our Advised solution can support your needs.
Meeting you where you’re at
Call, chat or email
Do you have account-related questions? Our Auckland-based team has you covered.
Chat to our team
Self-serve help
Find answers to your saving or investing questions in our help centre, or using our educational resources.
Learn about money
Trusted by 40,000+ Kiwis
Our customers trust us with over $2B of their money. Here are a few ways we keep it safe:
Licensed by the FMA
As a licensed fund manager, Kernel is subject to ongoing regulation by the Financial Markets Authority.
Independent supervisor and custodian
Kernel's funds are supervised by Trustees Executors Limited. All assets are held by an independent custodian.
2-factor authentication
We use 2FA to protect your Kernel account. Confirm it's you before logging in.
“We love that Kernel is so user-friendly, simplified and you’re not overwhelmed with choice up front.”
Nathalie & Ross, Auckland
Working toward generating a passive income long-term, and retiring early.
“Kernel’s low fees and innovative funds are attractive. Their investment ethos aligns with my values.”
Jervis, Digital Marketer, Auckland
Investing towards buying his time back in the future.
“I like that Kernel has low fees, and there’s no minimum investment amount.”
Josh, Farmer, Waikato
Investing towards farm ownership.
“Kernel’s diversified funds helped answer the question of ‘Which funds should I invest in‘?”
Ryan, Senior Developer, Auckland
Creating generational wealth for his family.