Discover Apoorva's investment journey from India to NZ. Learn his key lessons, why he chose Kernel, and his advice for new investors.

Investor Stories: Apoorva

Opting to auto invest and chill, Tim is on a mission to grow his wealth in the laziest and most consistent way possible. Learn more about his investor story.

Investor Stories: Tim Rodriguez

Nathalie and Ross are always looking at how they can diversify their portfolio while taking a lower risk, long-term approach to investing.

Investor Stories: Nathalie & Ross Ong

Find out which two funds, Kernel Investor, Peter Kimble is investing in to help fund his retirement. 

Investor Stories: Peter and Wendy Kimble

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Young, debt free and with a high appetite for risk, Jervis is investing in Kernel funds, private equity, crypto and more.

Investor Stories: Jervis Koo

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Using a set and for get approach, investor Ryan Potter is aiming to achieve his goal of creating intergenerational wealth for his family.

Investor Stories: Ryan Potter

Meet Kernel investor James, a proud Hawkes Bay local who enjoys the sea and scenic landscapes of his hometown, Napier. Find out how he's using Kernel to reach his financial goals.

Meet James, a proud Hawkes Bay local who enjoys the sea and scenic landscapes of his hometown, Napier. Find out how he's using Kernel to reach his financial goals.

Investor Stories: James Bedingfield

We talked to Nic, Customer Support Agent from PocketSmith, about her investment journey so far and the lessons she’s learned along the way, plus her plans for the future. 

Investor Stories: Nic

Using a simple 70/20/10 portfolio allocation, investor Josh Storey is investing his way to achieve his dream of owning his very own farm.

Investor Stories: Josh Storey

Everyone has a money story. We all grew up learning about money somewhere – whether we know it or not – and have a reason for the way we manage our money and/or invest it.  

#JustWondering, What's Your Money Story?

A firm believer of the set and forget strategy, this 20 year old is taking advantage of that sweet, sweet compounding interest. Read more about Kernel investor, Ben Hutchison.

Kernel investor Ben Hutchison tells us his lessons from his personal finance journey, and why he likes to set and forget. Read his investor story.

Investor Stories: Ben Hutchison

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Kernel investors Chris and Rosemary reassessed their lives and started planning for their financial future. Read their investor story.

Investor Stories: Chris and Rosemary Honiss

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Kernel investor, Stephen, has plenty of experience when it comes to investing...and he's learnt a lesson or two along the way. Find out more.

Kernel investor, Stephen, has plenty of experience when it comes to investing...and he's learnt a lesson or two along the way. 

Investor Stories: Stephen Upton

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Starting investing young, Christine takes a 'learn by doing' approach to investing. As an investor she's working towards financial freedom.

Investor Stories: Christine Jensen

With the goal of financial freedom, Ged is passionate about sustainable investing and thematic funds. Find out more in our blog.

Investor Stories: Ged Campbell

Hear from Kernel investors about their journey with money, investing and achieving their goals – the good, the bad and the learnings!

Investor Stories

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.

Investor Stories

Investor Stories: Apoorva

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