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

Over 60,000 Kiwi’s trust us with their savings, investments and KiwiSaver, and we take that responsibility seriously. Here's how your money is protected with Kernel.

How Safe is My Investment?

New Kernel Funds: World ex US, Australia 100, Conservative. Diversify your NZ investments with low-fee, tax-efficient PIE funds

Meet Our 4 New Funds – More Choice & Control

Are investing in emerging markets right for you? This guide breaks down what you need to know before making a decision. 

Should You Invest in Emerging Markets?

Wondering whether you should invest in the NZ 50 Fund or the NZ 20 Fund? Find out why the NZ20 is our index fund of choice in our blog.

The NZ 20 vs NZ 50

Global equity funds can provide a simple, convenient and cost-effective way to invest by allowing investors to indirectly own a small part of large international companies.

Diversifying With Purpose: The Role Of Global Equity Index Funds 

The Kernel Global ESG Fund is a globally diversified index fund aligned with the objectives of the 2016 Paris Agreement, with customer requested ESG considerations. Read to find out more.  

The Kernel Global ESG Fund is a globally diversified index fund aligned with the objectives of the 2016 Paris Agreement, with ESG considerations. Read to find out more.

Introducing the Kernel Global ESG Fund, a Paris Aligned index fund

Hedging: What is it and How Does it Work? | Kernel Wealth

Did you know that currency fluctuations can actually affect the value of your investments? Find out what this means for you and how currency hedging can minimise this effect.

Hedging: What is it and How Does it Work? 

Often the S&P 500 index or ETF can be a go-to for many NZ investors, but is it the most suitable investment option? Find out in our blog.

Often the S&P 500 index or ETF can be a go-to for many NZ investors, but is it the most suitable investment option? 

S&P 500 vs S&P Global 100: Which Should I Invest In?

Find out what exactly sustainable funds entail and how they can fit into an investment portfolio in our blog.

Do ESG and Sustainable Funds Have a Place in an Investment Portfolio?

blog header image_investing in small, mid and large cap companies

Knowing what small, mid and large caps are is important when choosing how to invest within your portfolio. Here, we explain all.

Small, Mid & Large Caps explained – which is best to invest in?

As the backbone of modern society, investing in a Global Infrastructure Fund can provide many benefits. Find out what they are.

Investing in Global Infrastructure – Why, What & How

Investing for income can be a challenge in this low interest rate environment. That's where Global Dividend Aristocrats comes in.

Investing for Income - Global Dividend Aristocrats

With great excitement we announce the latest Kernel Global funds - offering three new fantastic options to Kiwi investors. So what are they? Read on.

With great excitement we announce the latest Kernel Global funds - offering three new fantastic options to Kiwi investors. So what are they? 

Kernel Global Funds are Here!

blog header image_why kernel started with NZ

Why Kernel? We started with NZ equity funds because e knew we could develop an investment offering that was better designed to suit Kiwis.

Why Kernel started with NZ

NZ companies are pretty great and there many reasons you should want to invest in Kiwi made brands, companies and industry.

Invest in Kiwi Made

Learn about the key differences between Kernel funds, how fund performance works and more. 

Understanding Kernel Funds

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. 

Understanding Kernel Funds

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Time to give your money a new home?

Keep up to date with Kernel

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