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

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.

From April 1, this year significant updates to New Zealand’s 

 came into effect. These changes are designed to attract high-value investors by simplifying investment categories, easing residency requirements, and expanding eligible investment options.

Introduction of two investment categories:

 Higher-risk assets, including direct investments in New Zealand businesses and managed funds.

 At least 21 days in New Zealand over a three-year investment period.


 Lower-risk investment options such as bonds, listed equities, philanthropy, and property development (new residential, new/existing commercial, or industrial developments).

 At least 105 days in New Zealand over a five-year investment period.

2. Removal of English language requirement:

Investors are no longer required to demonstrate English language proficiency, removing a barrier for non-English-speaking applicants.

Investors must transfer their funds within six months of receiving approval in principle, with the possibility of a one-time six-month extension.

These updates are designed to make New Zealand a more attractive destination for international investors, fostering economic growth and job creation. For more information visit NZTE 

FAQs - Changes to Active Investor Plus Visa Settings

Active Investor Plus Visa :: Immigration New Zealand

From April 1, this year significant updates to New Zealand’s Active Investor Plus (AIP) Visa came into effect.

Changes to Active Investor Plus Visa

Kernel Invest is designed to help you build your wealth with low-cost Index Funds. Use our fee calculator below to see for yourself.

Changes to Active Investor Plus Visa

Changes to the Active Investor Plus Visa

Introduction of two investment categories:

2. Removal of English language requirement:

3. Accelerated investment timeline:

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