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

One of the key factors in investment decision making is understanding what liquidity is - when you need it, and which investments provide it.

What is Liquidity Anyway?

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 

Listed vs unlisted investments blog header

The structure of an investment is important to consider when choosing which asset to invest in. Why? Find out here.

Listed and Unlisted Investments: What’s the difference?

Knowing how to invest for your child's future can often feel overwhelming. But it doesn't need to be. 

How to Invest for Your Child’s Future

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?

Making changes to your investment portfolio should be driven by a change in circumstance or the economic landscape. Find out why.

When and How Should I Be Rebalancing My Investment Portfolio?

We’ve all heard the disclaimer “past performance is no indicator of future returns” thrown around or reinforced by financial providers (ourselves included!). 

Why Past Performance is No Indicator of Future Returns

Wondering how to save or invest for your child's future? In this blog we highlight a few key concepts for saving and investing for kids.

Investing for Kids: A Guide on How to Save and Invest For Your Children

How do you know when to sell your investments? If the share price is down, should you be crystallising your losses?

Crystallising Losses: When to Sell Your Investments

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Some investors perceive index funds to be lower risk and therefore provide lower returns. But is this really the case? Read on to fund out.

Demystifying Index Fund Returns

A key investment principle to know and understand is risk. Find out what the role of risk is in investing.

What to know about investing: Risk

blog header image_investing_with markets falling should i sell

As we approach the anniversary of 2020's market low, investors are becoming increasingly uneasy about the markets’ current decline.

With Markets Falling, Should I Sell?

Most investors start investing in the share markets but don't understand who they’re actually buying and selling shares with. Find out more.

Who Are You Buying and Selling Shares From?

blog header image_satellite investment_the 101 of investing in thematic funds

Are you the sort of person who dreams about investing in the next big thing? Welcome to investing in Thematic Funds.

The 101 of Investing in Thematic Funds 

blog header image_importance of reinvesting dividends

Cash out or reinvest your dividends? Find out why it's important for investors to have a plan when it comes to reinvesting dividends.

Why it’s Important to Reinvest Dividends

blog header image_active vs passive investing

We break down what active investing is, how it's different to passive investing and which is the best choice for growing your wealth.

Active or Passive Investing: deciding which is best for you

blog header image_How to start investing building a portfolio

Thinking about building your portfolio? Consider investing in funds that are well diversified and hold lots of different stocks or bonds.

How to start investing: building a 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

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The comprehensive KiwiSaver guide, including all you need to know on risk, investment options, providers and getting the most from your fund.

All You Need to Know About KiwiSaver

blog header image_what to consider when investing globally

By investing globally, you have a chance to spread your nest egg into baskets across the world. With so much choice, what should you consider?

What to consider when investing globally

blog header image_how to invest a lump sum

If you're wanting to invest a lump sum of money - how best do you do this? We explain when you should drip-feed in into the market or invest the whole lot.

How to invest a lump sum of money

Index funds are dramatically disrupting active fund managers and empowering a new generation of investors. But how do they actually operate?

How Does an Index Fund Work?

What actually is an index? This guide breaks it down. From a brief history to how indices will impact your financial life, read on to learn more.

What is an index?

blog header image_difference between etfs and index funds

Need to know the difference between an index fund and ETF, the types of managed funds to invest in and where to best put your money?

What’s the Difference Between an Index Fund, ETF, and More?

blog header image_investment _what is compounding

As an investor, compounding is actually your best friend and you can use it to your advantage. We run through what is compounding & all you need to know!

What is Compounding – The Investment Concept you Need to Know

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?

When starting to invest, there's one key question you need to consider and it helps determine your investment horizon. So what is it?

What’s Your Investment Horizon?

When getting started with investing, it's best to use an index investing approach. What exactly does this mean? Read on to find out.

What is Index Investing?

Learn the basics of getting started in the share markets – understanding your investment horizon, choosing investments and developing sound investing habits.

Investing Must Knows

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.

Investing Must Knows

Dividends vs Portfolio Drawdown : Part 3

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