People love us for our funds and the helpful, responsive people who are there to answer questions. There are no bots here, just Kiwis helping Kiwis.

When Lovelyn is not looking after our Kernel customers she enjoys spending time exploring Tamaki Makaurau with her family and unwinding with a good Netflix series. She’s also a whizz in the kitchen - her specialty? Chocolate cupcakes with butter-cream icing! We can’t wait to try those!

As part of our Customer Success Team, Lovelyn is one of the friendly voices you speak to on the phone. She loves getting to know people whilst at the same time providing great support to all our Kernel customers.

Born in the Philippines, Lovelyn moved to Samoa at a young age before immigrating to New Zealand with her family at the age of 5. After a short stint in the sunny Hawkes Bay, they moved to Auckland. Here Lovelyn went on graduate from the University of Auckland, with a BCom in marketing and international business.

Her natural people skills made Customer Success the obvious career choice. Working as a customer service rep in a bank and a CS specialist for commercial equipment finance before joining the team at Kernel.

A recent arrival from Wellington you’ll find Caitlyn hunting out a good coffee in her new neighbourhood, in the kitchen baking or exploring the local walks with her dog ‘Odie’.

As Kernel’s Customer Success Team Lead, Caitlyn works closely with all parts of the business to ensure our customers receive friendly and knowledgeable support. The ultimate ‘Kernel experience’ of course!

With more than 9 years experience working in the financial services and start up space, Caitlyn enjoys finding ways to creatively solve customers’ problems. She also loves that no two days (or customers) are the same!

Outside of work, this North Shore native loves to chill out at the beach (of course)! She also enjoys painting landscapes of New Zealand and sharpening her aim on the archery field. 

As one of Kernel’s Customer Success Specialists, Kate operates across both our Customer Success and Marketing teams. A natural people person, she loves creating a great experience for all our Kernel customers.

Previously, Kate worked down south in the small town of Glenorchy, honing her customer service skills in the tourism industry. Unfortunately for Kate (but lucky for us), the pandemic saw her return to Auckland. Here she worked in Sales before finding her niche at Kernel.

As she embarks on her own investment journey, Kate is passionate about enhancing her investment knowledge and sharing her insights along the way. To kick things off she is working towards her New Zealand certificate in financial services, specialising in investments

Yes! Kernel offers kids accounts that can be opened for those aged under 18. You will need the child’s IRD number, NZ passport or birth certificate and your own NZ passport or driver's license. Read how the application process works 

. If the child does not yet have an IRD number and you are their parent or legal guardian you can apply with the 

Can I open an account for a child?

Which investments you choose is personal to your situation, tolerance for risk, time horizon and general preferences. We have a few great resources on how to select investments, including what to consider - 

. You may also wish to consult a financial adviser (especially with complex situations). 

 for independent financial adviser suggestions. 

How do I choose my investments?

The level of risk associated with a fund depends on how much the value of a fund’s assets goes up and down (volatility). At Kernel, we use the industry-standard risk indicator scale to illustrate the level of risk associated with investing in a specific fund. 

How risky is an index fund?

Which fund you choose should be in consideration of your age, appetite for risk, your time horizon for the investment and your purpose. You've got a wide range of Kernel funds to choose from - 

What fund should I choose?

Whether you are brand new to KiwiSaver or switching to Kernel from another provider, joining our plan takes less than five minutes. First, 

 then opt to transfer your KiwiSaver balance through the Kernel dashboard. 

Joining the Kernel KiwiSaver Plan is effortless and takes just a few minutes to complete. Find out how. 

How do I join the Kernel KiwiSaver Plan?

Very safe. The Kernel KiwiSaver Plan is regulated by the Financial Markets Authority and supervised by Trustees Executors Limited. By law, the supervisor has the responsibility to oversee our activities in the interests of all investors. You can 

How safe is my money with Kernel?

If you’d like to talk to a human, call us on 

Five minutes of your time, your IRD number, your New Zealand identification and your NZ bank account details. If you don’t have NZ I.D. you can contact us for other options. 

What do I need to get started?

All our products are available to New Zealand residents. While our Kernel KiwiSaver plan is currently only available to individuals over 18, we can open Invest accounts for kids, trusts and companies.

Who can invest?

There is a minimum first investment amount of $1 into any Kernel fund, either as a lump sum or via auto-invest. 

Is there a minimum investment amount?

If your verification failed during the application process it means we could not match the details entered on your account to a registered database. Our team can manually verify you once you have emailed through a NZ identification and proof of address. 

Help! My verification failed. What now?

If you do not have a NZ passport or NZ drivers licence, we can accept a certified copy of your foreign passport. Once you have a certified copy of your passport, you can send it to support@kernelwealth.co.nz.

I don't have a NZ drivers licence or NZ passport

We aim to respond to your enquiry within one business day, between 9 am - 5 pm on weekdays.

Got questions about your investments? Contact Kernel with your investment queries today. 

We’d love to talk to you

Superhuman customer service

Got questions?
We have answers.

What do I need to get started?

Who can invest?

Is there a minimum investment amount?

What fund should I choose?

Help! My verification failed. What now?

I don't have a NZ drivers licence or NZ passport

Start investing for a better tomorrow, today.

Keep up to date with Kernel

About

Learn

Legal

We’d love to talk to you

Superhuman customer service

Got questions? We have answers.

What do I need to get started?

Who can invest?

Is there a minimum investment amount?

What fund should I choose?

Help! My verification failed. What now?

I don't have a NZ drivers licence or NZ passport

Start investing for a better tomorrow, today.

Keep up to date with Kernel

About

Learn

Legal

Got questions?
We have answers.