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Money for Now, Soon or Later

Save or invest towards your short, medium or long-term goals. All in one place.


To build long term wealth, you need a diversified portfolio. Start with one designed by our experts, or add and adjust your investments to match your interests.

  • Investing made easy with smart automation

  • A mix of funds that invest across NZ and global markets

  • Low management fees, starting at 0.25% per annum


Start achieving your short term saving goals now with Kernel Save. Whether you're saving for your wedding, an upcoming house purchase or building an emergency fund.

  • Earn 5.25%* interest per annum

  • Take the temptation out of withdrawing with Notice Saver

  • Free with any Kernel investment account

*rate as at 14/04/23 before tax and is subject to change


Set yourself up for good with our low-fee Kernel KiwiSaver Plan. Enjoy retirement the way you want.

  • Designed for growth, or designed by you

  • Low management fees, with no member or account fees

  • Sustainable funds to invest for a better tomorrow

One platform, any device, any time.

Screenshots of the dashboard in mobile and desktop

Personalised investing

Your goals are personal, so your investment portfolio should be too. Choose the funds best suited to your future.

Automate it!

Investing isn’t easy, we just make it feel that way. Let our platform take the work out of managing your investments.

Wealth creation, made easy

Take the guesswork out of investing with our smart platform and funds. Find your own way to wealth with our educational resources.

Great products, pricing and benefits,
how investing should be.


Investors and counting


Net promoter score

Featured in MoneyHub

Find us on Sorted

  • Headshot of Jervis
  • Headshot of Laura
  • Kernel eliminated the complexity and stress of investing decisions to help me realise my goals.
    - Jervis
  • Woman smiling
  • Headshot of Christine
  • Headshot of Caitlyn
  • Happy couple photo
  • I now feel confident to step outside of using simply term deposits and using Kernel to achieve my long-term, financial goals.
    - Rosemary
Lovelyn Nofoa
Caitlyn Parker
Kate  Gustafson

Superhuman customer service

People love us for our funds and the helpful, responsive people who are there to answer questions. There are no bots here, just Kiwis helping Kiwis.

Start investing for a better tomorrow, today.

If you’d like to talk to a human, call us on 0800 537 635 during 9 am - 5 pm weekdays.

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© Copyright 2023 Kernel Wealth Limited


Indices provided by: S&P Dow Jones Indices