Creating an account takes minutes. Confirm your identity and details, then get on your way to achieving your financial goals.
The first step to getting started with any Kernel products is creating an account.
Whether you are setting up an individual, kids, trust or company account, signing up is paperless, hassle-free and doesn’t cost a cent!
The next step is to confirm it’s you opening an account - a tiny bit of admin, but a very important step!
You’ll need your bank account details, IRD number and I.D. This can be your NZ drivers license or passport.
We can also accept a certified copy of foreign passports – get in touch with our friendly team with any further questions.
Once you’re verified, start saving towards your short term goals with Kernel Save, build a long-term investment portfolio with Kernel Invest or transfer your KiwiSaver balance.
Simply sign in to see your dashboard and pick the products that fit what you need.
We have no lock-ins, minimum deposit amounts, transaction fees or foreign exchange fees, so managing your account is easy. In fact, for any portfolio balances under $25,000 the member fee is on us!
Find out more about our fees below.
Access and adjust your investments at any time. Set-up auto-invest in a few clicks, customise your savings accounts, set some goals or withdraw your money if you need it.
We’ll take care of the tax and distributions so you can sit back, relax and let your money grow.
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. Read our full FAQ.
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).
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Indices provided by: S&P Dow Jones Indices