In the third part of our series on dividends, we compare the outcomes of cashing out dividends versus reinvesting them to understand the best approach for maximizing returns.

Dividends vs Portfolio Drawdown : Part 3

Dividend growth strategies have become increasingly popular among retail investors due to the appeal of passive income. But is this strategy great for building long term wealth?

Is Investing for Dividends Bad for Long Term Wealth? Part 2

Everyone loves a dividend. Getting paid simply by owning shares in a company feels good. But is it ultimately the best outcome for you or the company to do so?

Should Companies Pay High Dividends? Part 1

Interested in bond investments? Discover the risks and benefits to help you decide if you should invest in bonds.

Should You Invest In Bonds?

Investment fees are often the biggest cost when investing in index or managed funds. To make sure you’re getting value for money we’ve put together a beginner’s guide to fees. 

Understanding Investment Fees: A Beginner's Guide

blog header image_investing locally vs globally

What proportion of your portfolio should you consider having in global vs NZ shares? We help you decide in our blog.

Home & Away – Investing in Global vs NZ Shares 

Whether you're new to investing or a seasoned pro, now you can build a portfolio of low-cost, well-diversified Kernel funds, easily.

How Can Kernel Funds Fit Together?

Want to improve your financial situation but not sure how where to start? Check out the Kernel guide to prioritising your financial goals.

How to Prioritise Your Financial Goals

Without an investment strategy, how do you know whether you'll meet your short, medium and long term goals?

How Do I Choose the Right Investment Strategy for Me?

Often the S&P 500 index or ETF can be a go-to for many NZ investors, but is it the most suitable investment option? 

S&P 500 vs S&P Global 100: Which Should I Invest In?

With growing demand for ESG funds both in NZ and globally, we're proud to introduce Kernel's sustainable fund series.

Getting to know Kernel’s Sustainable Funds

blog header image_satellite investment_thematic funds

Thematic funds have a particular place in an investment portfolio, but often investors are unsure how they fit. 

How Thematic Funds Fit Into Your Investment Portfolio

Successful investing isn’t as hard as you think. In this blog we walk you through key concepts and handy tips on how to start investing.

How to Start Investing: Part One

There are hundreds of indices and many different funds available, so how do you choose the right index fund? Follow these 7 simple tips.

7 Things to Consider When Choosing the Right Index Fund

blog header image_what is diversification and how does it help me

I'm sure you’ve heard the eggs in one basket analogy – drop the basket and all eggs will crack. This is why you need to understand what is diversification.

What is diversification & how does it help me?

Wondering how to decipher between the Kernel funds, or which might be most suitable for your goals? We explain it all in our blogs below. 

Choosing investments

Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited (Kernel) is the issuer and manager of the Kernel Scheme. 

 for the Product Disclosure Statement. Past performance is not an indicator of future returns.

All returns are exclusive of tax. As PIE tax and withholding tax on interest earnt depend on personal factors, it would be confusing to include and unlikely to change the outcome. We have used the NZX50 gross index daily price series, where all dividends were reinvested on ex-date, exclusive of fees. Fees would have a negligible impact on the relative outcome of the different strategies.

Savings were made every Thursday for weeks in a row with investments made at market close. The 90 day bank bill rate was used for illustrative purposes, in reality cash savings account rates vary periodically. Past performance is no indicator of future performance for any investment. This article does not constitute financial advice, as your personal circumstances have not been taken into account.

 There are alternatives available for individual investors, including comparable value and de minimis exceptions but the hassle and associated cost likely outweighs the benefit achieved for most investors. Any NZ fund manager only has the FDR option. 28% is the PIR rate for those earning over $48,000, but if individually investing in companies the rate is up to 39%. Please note this is not tax advice as we are not a tax accounting firm and we don’t know your situation.

Whether you’re just getting started or a seasoned investor, here you can find everything you need to know about investing in the share markets.

Investing

Keen to save smarter for what matters today and tomorrow? Here you can learn the ins and outs of budgeting, saving and money management.

Saving

KiwiSaver can be a great tool to use on your road to a financially secure retirement. So, here is everything that you need to know to be able to get the most of your KiwiSaver.

KiwiSaver

Set your kids up for a financially secure future. Teach them the foundations of money and investing all while learning more yourself. 

Kids

An easily complicated topic, we simply explain how tax impacts your investments.

Choosing investments

Dividends vs Portfolio Drawdown : Part 3

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