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Great investing is long term

Great investing is long term

Keep it simple by investing in our diversified funds, or customise your portfolio with our range of funds. Then automate it.

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Daughter's education


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Your auto-invest of $350 was successful.

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Investments on the Kernel platform
Phone Funds

Ready-made, diversified,
good to go

Choose between three diversified funds, covering short, medium and long-term timeframes.

Make it custom,
make it you

Shape your portfolio to reflect your values, goals or life stage. Mix and match between 23 Kernel funds to customise your portfolio.

Get started

Tax efficient, optimised

Designed to maximise tax efficiency, all our funds are Portfolio Investment Entities (PIEs).

Data driven, proven methods

With the majority of our funds index-tracking, we use well researched data to drive our investment decisions.

Company holdings

The time tested approach to investing

We take a long-term approach to investing and believe our investors should too. Rome wasn't built in a day, and neither was financial freedom.

Long term

Partnered with industry leaders

We partner with leading index provider, S&P Dow Jones Indices, to bring you expertly-crafted financial products.

KenshoS&PS&P Sustainability 1
S&P 500

Auto-Invest approved

$500 invested in S&P 500


$500 fortnightly

Next: Tues 30 Jan 2024

Automate for auto-magic

Take the hard work out of investing with our Auto-Invest feature. Set and forget at its finest.

Low fees,
more freedom

Expertly crafted funds at a competitively low price. No transaction fees, minimums or hidden costs.

Fund management fees



Core index funds

15 funds available

Kernel High Growth Fund
Global 100
Global ESG




Specialty index funds

3 funds available

S&P Kensho Moonshots Innovation
S&P Kensho Electric Vehicle Innovation
S&P Global Clean Energy



Actively managed funds

5 funds available

Kernel Balanced Fund
Kernel Cash Plus Fund

Trusted by 20,000+ Kiwis

Our customers trust us with over $1B of their money. Here are a few ways we keep it safe:

Licensed by the FMA

As a licensed fund manager, Kernel is subject to ongoing regulation by the Financial Markets Authority.

Independent supervisor and custodian

Kernel's funds are supervised by Trustees Executors Limited. All assets are held by an independent custodian.

2-factor authentication

We use 2FA to protect your Kernel account. Confirm it's you before logging in.

Your questions, answered

View all Invest FAQs

Ready to start your
investment journey?

Open a Kernel account in minutes, start investing in days.

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© Copyright 2024 Kernel Wealth Limited


Indices provided by: S&P Dow Jones Indices