Cash out or reinvest your dividends? Find out why it's important for investors to have a plan when it comes to reinvesting dividends.

Dividends & Distributions Explained: The Case for Reinvesting

If you're wanting to invest a lump sum of money - how best do you do this? We explain when you should drip-feed in into the market or invest the whole lot.

How to Invest A Lump Sum of Money

Are you thinking about starting to invest? You don’t need to know as much as you might think. Here are five simple principles to get started.

Starting to Invest – 5 Things All Investors Need to Know

Have you been thinking of switching KiwiSaver providers? Check out our blog to see if the Kernel KiwiSaver plan is right for you.

Have you been thinking of switching KiwiSaver providers? Find out whether the Kernel KiwiSaver plan is right for you.

Is the Kernel KiwiSaver Plan Right for You?

When making the decision to invest it's natural to seek comfort that they're being managed prudently. At Kernel, your investments are protected.

How Safe is My Investment?

One of the key factors in investment decision making is understanding what liquidity is - when you need it, and which investments provide it. 

What is Liquidity Anyway?

blog header image_investing locally vs globally

What proportion of your portfolio should you consider having in global vs NZ shares? We help you decide in our blog.

Home & Away – Investing in Global vs NZ Shares 

With everyone's needs and goals being unique, how should you approach building your index fund portfolio for long-term success? Read more to find out.

How to Build an Investment Portfolio Using Index Funds in NZ

ETFs and index funds are not the same thing and if you're a passive investor in New Zealand, you really should be investing through an Index Fund.

Why ETFs Are Unsuitable for New Zealand Investors

Listed vs unlisted investments blog header

The structure of an investment is important to consider when choosing which asset to invest in. Why? Find out in our blog.

The structure of an investment is important to consider when choosing which asset to invest in. Why? Find out here.

Listed and Unlisted Investments: What’s the difference?

The first part of a rebound is the fastest and you don’t want to be sitting on the sideline for that. We answer the question Should I Invest Now?

The first part of a rebound is the fastest and you don’t want to be sitting on the side-line for that. We answer the question Should I Invest Now?

The Market has Crashed. Should I Invest Now?

Knowing how to invest for your child's future can often feel overwhelming. But it doesn't need to be. Find out what to consider.

Knowing how to invest for your child's future can often feel overwhelming. But it doesn't need to be. 

How to Invest for Your Child’s Future

We’ve all heard the disclaimer “past performance is no indicator of future returns” thrown around or reinforced by financial providers (ourselves included!). 

Why Past Performance is No Indicator of Future Returns

Wondering how to save or invest for your child's future? In this blog we highlight a few key concepts for saving and investing for kids.

Investing for Kids: A Guide on How to Save and Invest For Your Children

Often the S&P 500 index or ETF can be a go-to for many NZ investors, but is it the most suitable investment option? Find out in our blog.

Often the S&P 500 index or ETF can be a go-to for many NZ investors, but is it the most suitable investment option? 

S&P 500 vs S&P Global 100: Which Should I Invest In?

How do you know when to sell your investments? If the share price is down, should you be crystallising your losses?

Crystallising Losses: When to Sell Your Investments

A person working on their desk using a laptop with office supplies

Some investors perceive index funds to be lower risk and therefore provide lower returns. But is this really the case? Read on to fund out.

Demystifying Index Fund Returns

blog header image_share market_what is a company's value

When investing in shares, how do you know what a company's value is? Find out why there's more to a company's value than its share price.

What is a Company’s Value?

Scratching your head thinking about tax and investing? Our simple, easy to read beginners guide makes tax and investing easy. 

A Beginners Guide to Tax and Investing

A key investment principle to know and understand is risk. Find out what the role of risk is in investing in our blog.

A key investment principle to know and understand is risk. Find out what the role of risk is in investing.

What to know about investing: Risk

blog header image_investing_with markets falling should i sell

As we approach the anniversary of 2020's market low, investors are becoming increasingly uneasy about the markets’ current decline.

With Markets Falling, Should I Sell?

Most investors start investing in the share markets but don't understand who they’re actually buying and selling shares with. Find out more.

Who Are You Buying and Selling Shares From?

blog header image_satellite investment_thematic funds

Thematic funds have a particular place in an investment portfolio, but often investors are unsure how they fit. Find out more in our blog.

Thematic funds have a particular place in an investment portfolio, but often investors are unsure how they fit. 

How Thematic Funds Fit Into Your Investment Portfolio

blog header image_satellite investment_the 101 of investing in thematic funds

Are you the sort of person who dreams about investing in the next big thing? Welcome to investing in Thematic Funds.

The 101 of Investing in Thematic Funds 

blog header image_investing with 0% interest rates

Do you have savings in a bank account whilst interest rates are 0%? We explain how you can invest for better wealth creation!

Did you have savings in a bank account in 2020 when interest rates were 0%? We explain what this meant for our money and what we can do if this was to happen again.

How You Should Invest When Interest Rates are 0%

blog header image_investing in small, mid and large cap companies

Knowing what small, mid and large caps are is important when choosing how to invest within your portfolio. Here, we explain all.

Small, Mid & Large Caps explained – which is best to invest in?

blog header image_active vs passive investing

We break down what active investing is, how it's different to passive investing and which is the best choice for growing your wealth.

Active or Passive Investing: deciding which is best for you

blog header image_How to start investing building a portfolio

Thinking about building your portfolio? Consider investing in funds that are well diversified and hold lots of different stocks or bonds.

How to start investing: building a portfolio

Successful investing isn’t as hard as you think. In this blog we walk you through key concepts and handy tips on how to start investing.

How to Start Investing: Part One

A man sitting on a chair in the beach with his dog

The comprehensive KiwiSaver guide, including all you need to know on risk, investment options, providers and getting the most from your fund.

All You Need to Know About KiwiSaver

As the backbone of modern society, investing in a Global Infrastructure Fund can provide many benefits. Find out what they are.

Investing in Global Infrastructure – Why, What & How

Investing for income can be a challenge in this low interest rate environment. That's where Global Dividend Aristocrats comes in.

Investing for Income - Global Dividend Aristocrats

blog header image_what to consider when investing globally

By investing globally, you have a chance to spread your nest egg into baskets across the world. With so much choice, what should you consider?

What to consider when investing globally

There are hundreds of indices and many different funds available, so how do you choose the right index fund? Follow these 7 simple tips.

7 Things to Consider When Choosing the Right Index Fund

blog header image_investment performance & returns

Are my investments making money? An important question to know the answer to. We explain the nuances with investment performance that you need to know.

All You Need to Know About Investment Performance & Returns

Index funds are dramatically disrupting active fund managers and empowering a new generation of investors. But how do they actually operate?

How Does an Index Fund Work?

Some would argue that now is a pretty good time to invest, but picking stocks is really hard. Read on for an overview of the best strategies.

Picking stocks is hard – so how should you do it?

blog header image_market correction, crashes, bear markets and recession kernel explains

Kernel explains what actually happens in a market correction, a crash and how investors should approach these volatile times.

Market Correction, Crashes, Bear Markets and Recession: Kernel Explains

What actually is an index? This guide breaks it down. From a brief history to how indices will impact your financial life, read on to learn more.

What is an index?

blog header image_difference between etfs and index funds

Need to know the difference between an index fund and ETF, the types of managed funds to invest in and where to best put your money?

What’s the Difference Between an Index Fund, ETF, and More?

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

You want to start investing or grow your wealth and you’ve heard you gotta get into this “stock-picking” thing. So how to pick shares you ask?

How to Pick Shares

blog header image_investment _what is compounding

As an investor, compounding is actually your best friend and you can use it to your advantage. We run through what is compounding & all you need to know!

What is Compounding – The Investment Concept you Need to Know

blog header image_what is diversification and how does it help me

I'm sure you’ve heard the eggs in one basket analogy – drop the basket and all eggs will crack. This is why you need to understand what is diversification.

What is diversification & how does it help me?

When starting to invest, there's one key question you need to consider and it helps determine your investment horizon. So what is it?

What’s Your Investment Horizon?

When getting started with investing, it's best to use an index investing approach. What exactly does this mean? Read on to find out.

What is Index Investing?

Learn the basics of getting started in the share markets – understanding your investment horizon, choosing investments and developing sound investing habits.

Getting Started Investing

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.

Getting Started Investing

Dividends & Distributions Explained: The Case for Reinvesting

Explore other topics

Keep up to date with Kernel

Time to give your money a new home?

Keep up to date with Kernel

About

Legal

Learn