To open a company account with Kernel, you'll need the registered name, address and IRD number of your company. This information will be used in the application process. 

All directors, beneficial shareholders, and account authorisers must have their identities verified, either through uploading certified identity and proof of address documents or via electronic verification using a mobile number.

To start the application process, complete this 

How do I open a company account?

The adviser fee is separate, but overlayed, to Kernel’s underlying fund management fees. 

Advisers can charge a fee of up to 0.50% in addition to our underlying annual fund management fee - for example, if our High Growth Fund’s annual management fee is 0.25%, the adviser fee is an additional 0.50% - the total fee that the customer would therefore pay is 0.75% (maximum).

How do fees work for the Advised KiwiSaver Solution?

There's no minimum balance or transfer amount to Smart Saver, making it accessible for businesses of all sizes.

Is there a minimum or maximum balance transfer to Smart Saver?

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A globally diversified investment in mostly infrastructure lines of business, e.g. utilities, storage and telecommunications, providing relatively stable cash flow and inflation hedging.

Global Infrastructure

A globally diversified fund that adjusts companies based on their S&P Global ESG score and alignment with the 2016 Paris Agreement.

Global ESG 

The Commercial Property Fund delivers diversification in the property sector by investing in the eight largest REITs on the New Zealand Exchange (NZX).

NZ Commercial Property

A globally diversified investment in mostly infrastructure lines of business, e.g. utilities, storage and telecommunications, providing relatively stable cash flow, inflation hedging and also hedged against currency fluctuations.

Global Infrastructure (NZD Hedged)

This fund invests in global real estate companies with weighting towards sustainable practices. 

Global Property (NZD Hedged)

This fund includes and adjusts companies in the S&P/NZX 50 according to sustainability factors.

NZ 50 ESG Tilted

Own your piece of 100 blue chip companies across major equity markets. The biggest household names, they provide global diversification and long-term capital growth.

Global 100

 

Own your piece of 100 blue chip companies across major equity markets, hedged against currency fluctuations. The biggest household names, they provide global diversification and long-term capital growth. 

Global 100 (NZD Hedged)

Choose from 25 diverse funds - NZ, global, hedged, unhedged, ESG or thematic.

Explore our funds

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Are you an accountant or virtual CFO working with businesses looking to get more out of their cash reserves? Our Smart Saver account offers a great rate of 3.80% plus flexibility and security.

Accountants and CFO

Book a KiwiSaver meeting

Kernel funds are available through all major third-party platforms - Consilium, Synergy etc.

If you would like to recommend our funds or the Kernel KiwiSaver Plan to your clients, please get in touch below to understand how we can support you.

Advised

Open an account

Do you own or work for a company in need of a fund or savings solution? Set up a company account with Kernel online in minutes, and gain access to our world-class financial products.

Alternatively, enable your employees to grow their wealth through group solutions, corporate financial education workshops and more.

Companies

Do you sit on an Investment Committee or Investment Fiduciary for an entity - such as Iwi, trusts, family offices and community or charitable trusts - and are interested in the Kernel funds? Get in touch below to discuss how we can help.

Investment Committees

Do you have an account or product-related questions? Our Auckland-based team is here to help.

Call or email our team

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Find answers to your questions using our product and educational resources.

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Leverage Kernel’s technology to seamlessly onboard and service your client or business' needs.

A digital-first platform

Simple, transparent pricing so you and your clients win. No minimums deposits or investments.

No account, transaction or brokerage fees

Our multi-rate PIE structure facilitates ease of tax compliance, daily liquidity and no buy or sell spreads.

Tax efficient, low cost investments 

Carefully considered financial products and technology, designed to achieve the best possible outcome.

Financial solutions great for business.

Our trusted partners

Partner with Kernel to unlock opportunity.

Why Kernel?

A digital-first platform

No account, transaction or brokerage fees

Tax efficient, low cost investments

Explore our funds

Our team are here to help

Call or email our team

Self-serve help

Your questions, answered

How do I open a company account?

How do fees work for the Advised KiwiSaver Solution?

Is there a minimum or maximum balance transfer to Smart Saver?

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