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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

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

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

blog header image_investing for retirement

In today's low-interest rate environment, how should we be investing for retirement? How much do we need? Read our blog to find out.

In today's low-interest rate environment, how should we be investing for retirement? How much do we need? 

Investing for Retirement: The Realities of Downsizing

We all dream of a financially secure retirement – but how do we get there? Learn everything you need to know about getting to and enjoying the retirement you want.

Retirement

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. 

Retirement

All You Need to Know About KiwiSaver

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