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The definitive guide to KiwiSaver, including how to join and pick a KiwiSaver provider, set goals, and how much you need for retirement.

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

How to withdraw your KiwiSaver - a complete guide including all the answers to your questions, timelines, hardship withdrawal, first home, retirement and more. 

How to Withdraw your KiwiSaver: First home, retirement, hardship

Read our guide to KiwiSaver government contributions, employee contributions, and personal contribution rates to learn everything you need to know.

KiwiSaver Contributions Explained

We get asked every day "how much do I need to retire in NZ?” - so here are the answers. Including expenses to expect, what you need for certain lifestyles, and the 4% rule. 

How Much do I Need to Retire in NZ

The final Morningstar KiwiSaver Survey for 2025 has been released, and the results offer a great opportunity to check in on how Kernel’s diversified funds are performing for our members. 

The final Morningstar KiwiSaver Survey for 2025 has been released, and the results offer a great opportunity to check in on how Kernel’s diversified funds are performing. 

Morningstar December 2025 Quarter Results – a strong result for Kernel members 

Looking for the best KiwiSaver options in NZ? Check out our guide for help doing your homework and choosing the most suitable option for you.

Best KiwiSaver options in NZ

Wondering how you compare to the average KiwiSaver balance by age in NZ? We’ve shared the numbers, plus some life-stage appropriate strategies to grow your wealth. 

Average KiwiSaver Balance by Age and Strategies to Grow

Putting your savings in the right place could change your future for the better. To help you make a good decision, we’ve created a guide on how to choose a KiwiSaver fund. 

How to choose a KiwiSaver fund

Discover how KiwiSaver can be your financial lifeline. Learn the steps to help maximize your savings and secure a comfortable retirement in our blog.

How To Make The Most Of KiwiSaver

If you’re a KiwiSaver member, Budget 2025 brings some of the biggest changes to the scheme in years. Whether you’re saving for your first home or building a nest egg for retirement, here’s what you need to know - and what it could mean for your future.

Whether you’re saving for your first home or building a nest egg for retirement, here’s what you need to know about the recent KiwiSaver changes.

KiwiSaver Is Changing: What Budget 2025 Means for Your Savings

Have you been thinking of switching KiwiSaver providers? Check out our blog to see if the Kernel KiwiSaver plan is right for you.

Have you been thinking of switching KiwiSaver providers? Find out whether the Kernel KiwiSaver plan is right for you.

Is the Kernel KiwiSaver Plan Right for You?

Want to switch KiwiSaver providers but unsure where to start? Learn when and how to move to a KiwiSaver provider suited to your needs. 

How to Switch KiwiSaver Providers or Funds

Want to make the most of your KiwiSaver but don’t know where to begin? Here are 3 tips to get you started. | Kernel Wealth 

Want to make the most of your KiwiSaver but don’t know where to begin? Here are 3 tips to get you started. 

3 Tips to Make the Most of Your KiwiSaver Plan

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

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

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

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

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

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

Kids

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

KiwiSaver

All You Need to Know About KiwiSaver

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