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.

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In this episode we cover everything from; how we got into investing, common questions we get asked, the value of time, our thoughts on budgeting, how Kiwis are different to Aussies when it comes to investing and SO much more!

https://www.youtube.com/watch?v=i9tuDazf2ns&feature=emb_imp_woyt

blog header image_investing, budgeting & getting started_the kiwi talkz podcast

Dean Anderson and Cat Emerson sat down with Reece Reilly from Kiwi Talkz to go deep into investing; how they got started, budgeting advice and more!

Investing, Budgeting & Getting Started – the Kiwi Talkz Podcast

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

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