Time and time again the data shows that actively managed funds result in underperformance compared to simply owning a well-diversified index fund.

Majority of Actively Managed Funds Continue to Underperform

Since 2018, sustainable investing has been on the rise both locally and globally. But what's driving this popularity?

Three Forces Accelerating Sustainable Investing

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?

blog header image_investing_nz active vs passive

The shift from active to passive by millions of investors has been one of the most significant developments in modern financial history.

New Zealand is unique, but not when it comes to active vs passive Investing

blog header image_investing_not a coincidence

The majority of active managers underperform most of the time. This happens for a set of readily identifiable reasons. 

Not a Coincidence

blog header image_did the internet kill value investing

On the back of an unbridled recovery of global tech stocks, is it time to say the value investing style embraced by Warren Buffett is dead?

Did the internet kill value investing?

Hands typing on the keyboard really quickly

COVID-19 gave rise to a full-blown day trading mania. Individuals have increasingly turned to day trading in the stock market.

Have You Caught the Day Trading Virus?

For years active managers have claimed that anyone can ride the bull market and they will shine when things take a turn for the worse.

Active Managers, Where’s Your Alpha?

Warren Buffett said: 'when the tide goes out, you’ll see who’s been swimming naked”. Right now, active fund managers are high and dry.

How Are Active Managers Faring Through Covid-19?

blog header image_crashes happen, here's what to do

Stock market crashes happen and we will continue to see them in our lifetime. So what should you do when they do happen to ensure you don't lose out?

Crashes Happen. Here’s What To Do.

blog header image_s&p 500_understanding what seems like the darkest hour

Chris Bennett of S&P Dow Jones Indices discusses the current market situation, previous downturns and what you as an investor should do.

Understanding What Seems Like the Darkest Hour

blog header image_ a buffet(t) of historical performance

Buffett’s following is the stuff of legend and for good reason. However, the magnitude of Berkshire’s excess returns have been on a downtrend recently.

A buffet(t) of historical performance

blog header image_why you should not believe the experts

Should you believe the "experts" - investment brokers, financial advisers and bloggers offering advice on the next big thing?

Why You Should Not Believe the “Experts”

Everyone wants to beat the market, be the exception, have above-average returns. But how easy and achievable is this as an outcome for an investor?

Want to know who can beat the market?

Many investors have been scared away from the share market. This is a pity, because the share market is a very safe place if you follow some simple rules.

Kiwis Are Scared of the Share Market

Stay in the know about what’s happening in the world of money and investing. Whether it’s the latest update on performance, changes to interest rates or expert opinions  – we cover it all.

Industry Insights

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

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

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.

Industry Insights

Majority of Actively Managed Funds Continue to Underperform

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