A diversified allocation of 60% shares and 40% cash and bonds.
Kernel Funds
Choose between our range of funds to suit your goals and timeframe.
Kernel Funds
All funds
Diversified
Global
Local
Sustainability
Future
Income
KiwiSaver
Made up of short-term interest bearing assets and other NZ fixed income and floating rate note asset...
Own your share of the fastest growing economies across the globe.
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New
Own your piece of 100 blue chip companies across major equity markets. The biggest household names, ...
Own your piece of 100 blue chip companies across major equity markets, hedged against currency fl...
A globally diversified fund that adjusts companies based on their S&P Global ESG score and alignment...
A globally diversified fund that adjusts companies to be in alignment with the 2016 Paris Agreement....
A globally diversified investment in mostly infrastructure lines of business, e.g. utilities, storag...
Global Infrastructure (NZD Hedged)
A globally diversified investment in mostly infrastructure lines of business, e.g. utilities, storag...
This fund invests in global real estate companies with weighting towards sustainable practices.
A diversified fund made up of over 98% growth assets.
An accessible alternative to investing in individual bonds or income-generating assets maturing in M...
An accessible alternative to investing in individual bonds or income-generating assets maturing in M...
Designed for long-term capital growth, the NZ 20 fund invests in 20 of the largest companies listed ...
This fund includes and adjusts companies in the S&P/NZX 50 according to sustainability factors.
Invests primarily in New Zealand issued bonds, deposits and more.
The Commercial Property Fund delivers diversification in the property sector by investing in the eig...
NZ Small & Mid Cap Opportunities
The Fund invests in a broad range of smaller companies listed on the New Zealand Exchange (NZX), and...
Own your piece of 500 US companies listed on the New York or Nasdaq stock exchanges. The S&P 500 is ...
Own your piece of 500 US companies listed on the New York or Nasdaq stock exchanges. The S&P 500 is ...
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New
Invests in global companies involved in the production or provision of Clean Energy.
S&P Global Dividend Aristocrats
After a strong, regular distribution payment? Look no further than Dividend Aristocrats. This Fund i...
S&P Kensho Electric Vehicle Innovation
This fund is closed to investment as of 22 May 2025
S&P Kensho Moonshots Innovation
This fund is closed to investment as of 22 May 2025
Invest in the world’s biggest bond market, hedged to the New Zealand dollar.
Got questions?
We have answers.
How do I choose my investments?
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 - read more here. You may also wish to consult a financial adviser (especially with complex situations). Contact our team for independent financial adviser suggestions.
Which fund should I choose?
You can choose between our three diversified funds - Kernel Cash Plus, Balanced and High Growth Funds - or create a custom KiwiSaver Plan with a mix of the Kernel funds. Read about whether the Kernel KiwiSaver Plan is right for you here.
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Indices provided by: S&P Dow Jones Indices