Learn which foreign investments count toward the $50,000 FIF tax threshold, how the cost base is calculated, and when to consider NZ PIE funds for better tax efficiency.

The $50,000 Tax Question – Understanding the De Minimis Rule 

Thinking of investing in the ASX? Learn how the Australian share market works for Kiwis, including the FIF tax exemption, franking credits, and how to avoid hidden tax pitfalls.

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Is your investment portfolio tax-efficient? Explore the advantages of PIE structures, understand FIF rules, and use our checklist to keep more of your returns.

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Learn how tax is calculated when investing in Kernel funds, including the differences between NZ and international shares and ensuring you're paying the right tax rate. | Kernel Wealth 

Tax can be complicated, but we've made it simple when investing with Kernel. Find out how it works. 

How Does Tax Work When Investing in Kernel Funds?

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The structure of an investment is important to consider when choosing which asset to invest in. Why? Find out in our blog.

The structure of an investment is important to consider when choosing which asset to invest in. Why? Find out here.

Listed and Unlisted Investments: What’s the difference?

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Being a freelancer has heaps of perks, but it can also be difficult financially. To make your life easier our freelance writer Ben Tutty shares his insights on freelancer finances. 

Being a freelancer has heaps of perks, but it can also be difficult financially. So we had our Freelance writer, Ben Tutty share his experience.

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Often investors use tax savings to drive which investments (and therefore provider) they choose. But should they be?

Why Tax Shouldn’t Solely Drive Your Investment Decisions

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

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Tax can have a huge impact on your overall portfolio returns - in some cases by up to 2% p.a! We've got the details AND the tax calculator.

Investing in International Shares: Location or Tax?

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

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.

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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.

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

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The $50,000 Tax Question – Understanding the De Minimis Rule

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