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. Click here 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 depends 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 965 weeks in a row with investments made at market close. A flat 2% cash account was used for illustrative purposes, in reality cash savings account rates vary. 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.

Chief Operating Officer

Stephen Upton

Whether you're new to investing or a seasoned pro, now you can build a portfolio of low-cost, well-diversified Kernel funds, easily.

How Can Kernel Funds Fit Together?

Head of Marketing & Customer Strategy

Catherine Emerson

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

Investors tell us they worry about timing the stock market. What if they invest and a crash happens? Here's how to time the stock market perfectly.

How to perfectly time the stock market

Founder & Chief Executive

Dean Anderson

Since 2018, sustainable investing has been on the rise both locally and globally. But what's driving this popularity?

Three Forces Accelerating Sustainable Investing

When investing in an index fund, the choice of index itself is more important than the fees. So why should you choose the NZ 20 over the NZ 50?

The Money Men & Kernel: How should I invest in 2020?

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?

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

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?

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?

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All You Need to Know About Investment Performance & Returns

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Christine Jensen

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Listed and Unlisted Investments: What’s the difference and why does it matter?

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Investing in Global Infrastructure – Why, What & How

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The 101 of Investing in Thematic Funds 

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Why Kernel started with NZ

Warren Buffett said: 'when the tide goes out, you’ll see who’s been swimming naked”. Right now, active fund managers are high and dry.

How Are Active Managers Faring Through Covid-19?

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Did the internet kill value investing?

Portfolio Analyst

Sam Tither

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Why it’s Important to Reinvest Dividends

One of the key roles an index manager has is to track the index as closely as possible. So, investors need to know the tracking difference.

How are we tracking?

Nathalie and Ross are always looking at how they can diversify their portfolio while taking a lower risk, long-term approach to investing.

Investor Stories: Nathalie & Ross Ong

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We’re Renovating the Financial Services Industry, Kernel Style.

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7 Tips for Choosing the Right Index Fund

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Not a Coincidence

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Nicola Maling

Kernel investors Chris and Rosemary reassessed their lives and started planning for their financial future. Read their investor story.

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Today more investors are adopting sustainable investing, looking at both the financial outcome and impact their investment on the world.

The future of investing is sustainable

In today's episode of Ask Kernel, we chat to Craig Lazzara about what SPIVA is. Haven't heard of it? Well you better press play!

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Dubbed the next Industrial Revolution, the Electric Vehicle Innovation Fund is one to watch. 

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Buffett’s following is the stuff of legend and for good reason. However, the magnitude of Berkshire’s excess returns have been on a downtrend recently.

A buffet(t) of historical performance

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

What is Liquidity Anyway?

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With Markets Falling, Should I Sell?

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Founder & Investment Adviser

Mike Ross

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Top 10 Personal Finance Books for Kiwis

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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.

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