Explore three ways to save with Kernel: Kernel Save, Kernel PIE Save, and Cash Plus. Learn how to choose the right product based on your tax bracket, need for certainty, and risk appetite.

Explore more ways to save with Kernel. Learn how to choose between Kernel Save, Kernel PIE Save, and Cash Plus based on your tax bracket, need for certainty, and risk appetite.

More Ways to Save with Kernel

Introducing the Kernel Total World Fund: one fund for global exposure, with a 0.12% p.a. management fee, no transaction fees, and PIE tax treatment.

Own the World in One Fund

Meet the new Kernel experience. Organise your portfolio with custom views, track performance with richer insights, and explore all investments in one unified place.

Your whole picture, in one place: Meet the new Kernel experience

Since launching our US Shares & ETFs product, the feedback has been fantastic – and it’s helped shape the next wave of features and improvements we’re excited to share with you.

Feature Drop for US Shares & ETFs

There’s a new way to invest in shares & it’s easier than ever with the Kernel platform. And just like our other products it’s designed for simplicity and low fees. 

Kernel Shares & ETFs: A new way to invest in the US share market

Find out what the latest product developments are at Kernel - from faster deposit times, to a new savings account and more. 

Find out what the latest product developments are at Kernel - from faster deposit times to a new savings account and more. 

Product Update: New Bond Funds, Faster Deposit Times and Smart Saver is Here

The Global 100 Fund is one of Kernel’s first globally diversified funds. See how it's changed in one of its biggest rebalances so far. 

Latest Rebalancing: Kernel Global 100 Fund 

Learn about the improvements we're making to the Kernel experience. 

Product Updates

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.

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. 

Product Updates

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