Where is the best place to put money you’ll need in the next few months or couple of years? Let’s take a look. 

Cash Fund, Term Deposit or Saving Account: Which Do I Choose? 

We never know what life can throw at us financially, so we need to be prepared when big expenses hit. Here's the 101 on emergency funds.

How to Set Up an Emergency Fund

blog header image_ investor reading_top 10 personal finance books for kiwis

There is a range of personal finance books to help improve your financial knowledge and long-term wealth creation. Check out our favourites.

Top 10 Personal Finance Books for Kiwis

Getting married soon? Find out how to plan a wedding on a budget, reduce your wedding costs and save smarter for the big day. 

How to Reduce Your Wedding Budget and Maximise your Big Day

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

If you want something for tracking your spending and savings over time, a spreadsheet or a budgeting tool is the next step for managing your finances!

5 Budgeting Tools To Sort Your Finances

Do you have financial goals or life goals that you'd like to tackle in 2022? We share our tips to do just that in our blog.

How to Set and Follow Through With Your 2022 Financial Goals

blog header image_investing with 0% interest rates

Did you have savings in a bank account in 2020 when interest rates were 0%? We explain what this meant for our money and what we can do if this was to happen again.

How You Should Invest When Interest Rates are 0%

blog header image_investing_the opportunity cost of savings

In the past year, the real return on a savings account has gone negative. So what's the opportunity cost of leaving your money in savings?

The Opportunity Cost of Savings

blog header_with term deposits so low how should you invest

Want to make your money work for you but don't know how when term deposits and savings account rates are so terrible? We're here to help.

With Term Deposits So Low in NZ, How Should You Invest in 2020 and Beyond?

Spoiler alert: You don’t need to sacrifice everything now in order to dramatically change your financial future. But you do need these budgeting tips!

Budgeting is Boring, But We’re Talking About it Anyway!

blog header image_paying yourself first_reverse engineer your goals

Reverse engineer your goals by starting with the bigger picture and breaking it down. Want to know more? Reverse engineering for finance goals explained!

Reverse Engineer Your Goals

Haven't heard of pay yourself first? Well you should have! We explain how and why this is the best budgeting concept you haven't heard of.

Pay Yourself First

blog header image_ savings_now soon later approach

If the concept of short, medium and long term needs are futile, how should you think about money, your goals and time? The now, soon and later approach.

Pay Yourself First: Now, Soon & Later

Are you deciding between paying off your debt or investing for the future? Our no-nonsense guide explains when to do what.

Should You Pay Off Debt?

blog header image_you need an emergency fund

You've heard you need an emergency fund - but why? And how much should you have in your emergency fund? Find out all you need to know!

You need an emergency fund!

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

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

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.

Saving

Cash Fund, Term Deposit or Saving Account: Which Do I Choose?

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