Get access to the 100 largest companies on the ASX, spanning banks, miners, and more.
Our Funds
Choose between our range of funds to suit your goals and timeframe.
A diversified allocation of 60% shares and 40% cash and bonds.
Made up of short-term interest bearing assets and other NZ fixed income and floating rate note asset...
A diversified allocation of 30% shares and 70% cash and bonds.
Own your share of the fastest growing economies across the globe.
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...
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...
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 ...
Invests in global companies involved in the production or provision of Clean Energy.
After a strong, regular distribution payment? Look no further than Dividend Aristocrats. This Fund i...
Own the world in one fund. Thousands of companies across developed and emerging markets.
Invest in the world’s biggest bond market, hedged to the New Zealand dollar.
Gain broad exposure to global developed markets, excluding the United States.
Gain broad exposure to global developed markets, excluding the United States, with currency movement...
Your questions, answered
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.
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.
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. See how Kernel works.
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).
Kernel is regulated and licensed by the Financial Markets Authority and our Funds are supervised by Trustees Executors Limited, who set our requirements to operate. Read more on investment security here.
Yes! You can switch between investment funds online at any time for free. You can invest in any combination of funds that suit your retirement goals. Find out how it works here.
Read more FAQs