Kernel KiwiSaver Adviser Solution

The graph above is for illustrative purposes and shows the difference a 0.25% fee vs 1.15% fee will have on a $10,000 portfolio invested over 20 years using a hypothetical performance of 8%pa.

At Kernel, we’re passionate about transforming the way Kiwis save for their future. Our Kernel KiwiSaver plan isn’t just another retirement savings option—it’s a game-changer for financial advisers and their clients across New Zealand. While our low fees are a fantastic starting point, the real value lies in the flexibility, personalisation, and outcomes we enable. Let’s dive into why this plan is a powerful tool for advisers looking to deliver exceptional results.

One of the first things you’ll notice about the Kernel KiwiSaver plan is our competitive fee structure. With core fees starting as low as 0.25%, a client can access a fully advised, personalised, and tax-efficient KiwiSaver plan for under 0.75% in total. Meanwhile, advisers can earn up to 0.50% in advice fees, ensuring they’re fairly compensated for their expertise and time. This balance of affordability for clients and fair remuneration for advisers sets the stage for a win-win partnership.

What truly sets the Kernel KiwiSaver plan apart is the freedom it offers advisers. You’re not locked into a rigid, one-size-fits-all approach. Instead, you have full flexibility to guide your clients toward better outcomes by blending our pre-set diversified funds or fully customising a portfolio to match their unique needs, goals, or values. Whether your client prioritises growth, stability, or ethical investing, you have the tools to craft a KiwiSaver plan that fits them perfectly. This level of control empowers advisers to truly make a difference in their clients’ financial journeys.

Imagine a client who’s passionate about sustainability and wants their investments to reflect their commitment to a better world. With the Kernel KiwiSaver plan, you can construct an ESG-centric portfolio by combining funds like our Global ESG, NZ 50 ESG Tilted, Global Property, and Clean Energy options. This approach not only aligns their investments with their values but also ensures a diversified, strategic portfolio that doesn’t compromise on potential returns. It’s this ability to personalise at such a detailed level that makes our plan a standout choice for advisers who want to offer something truly bespoke.

The flexibility of the Kernel KiwiSaver plan translates directly into better outcomes for clients. As an adviser, you can adapt portfolios as circumstances evolve—whether it’s a shift in financial goals, major life events, or changing market conditions. This dynamic approach ensures clients aren’t stuck with a static plan that no longer serves their needs. Instead, they benefit from ongoing, tailored advice that keeps their KiwiSaver working hard for their future. For advisers, this means stronger client relationships built on trust and the ability to demonstrate real, tangible value.

In today’s world, clients increasingly expect personalisation in every aspect of their lives—including their financial planning. The Kernel KiwiSaver plan empowers advisers to meet and exceed these expectations. By offering a service that goes beyond basic investment management, you can provide a truly bespoke experience that clients will appreciate and remember. It’s not just about saving for retirement; it’s about crafting a financial journey that feels right for each individual, tailored to their dreams and priorities.

If you’re an adviser looking to elevate your practice, the Kernel KiwiSaver plan is worth exploring. With low fees, high flexibility, and the ability to personalise, it’s a solution designed to deliver better outcomes for everyone involved. We’re committed to supporting advisers in building stronger, more meaningful connections with their clients through innovative tools and strategies. Ready to learn more or get started? Reach out to us at advisers@kernelwealth.co.nz and let’s work together to shape brighter financial futures for Kiwis.