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.

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

We've got great news, we've boosted our Smart Saver account interest rate to 5.25% p.a.*!

, we're offering an increased interest rate for a limited time only, to help you reach your savings goals, faster.

So, whether you're saving towards house renovations, building your emergency fund or eyeing up your next holiday destination, now could be the time to double down on your savings goals!

The best part? You don't need to do anything special to receive the boosted rate. The rate will be automatically applied when using a Kernel Smart Saver account.



Note: Interest will be calculated on your daily available balance and paid monthly, at the start of the month following.

*Interest rate is as at 15/08/2024 and for a limited time only. The rate is before tax and is subject to change. See

For a limited time only, we're offering an increased interest rate to help you reach your savings goals, faster. 

Enjoy a Boosted Smart Saver Rate - Earn 5.25% p.a.

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

Enjoy a Boosted Smart Saver Rate - Earn 5.25% p.a.

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