How to talk to your kids about money - a full guide with age and stage recommendations, learning resources, and tips from a parent in the financial industry.

How Talking to Your Kids About Money Could Set Them up for Life

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

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

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

Scratching your head thinking about tax and investing? Our simple, easy to read beginners guide makes tax and investing easy. 

A Beginners Guide to Tax and Investing

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

Kids

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

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

Our range of financial resources can support you or your clients' financial journey, whatever the investment strategy. 

Kids

How Talking to Your Kids About Money Could Set Them up for Life

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