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We set the bar high and the fees low

Our expertly designed Kernel KiwiSaver Plan has been crafted to suit your needs. Choose between three diversified funds or customise your KiwiSaver account to reflect your worldview.

Get started now

0.25%*

Our annual core fund management fee

Your money growing

*Based on the total annual fees for investment in the Kernel High Growth Fund, Kernel Balanced Fund or Kernel Cash Plus Fund. Does not include custom KiwiSaver Plans with speciality funds.

  • Flexible options

  • Safe and sound

    Tax efficient

  • Digital platform

    Trusted indices

  • Modern approach

    Lower cost

  • Globally diversified

What makes Kernel unique?

The Kernel difference

Kernel was built for Kiwis by Kiwis. We partner with leading index provider, S&P Dow Jones Indices, to bring you innovative, tax-efficient financial products. There are no guessing games here - we use a data-driven investment approach. A fully digital platform with real human customer support, we don't skimp on quality.

  • Human support

    Targeted value

    Targeted value

  • NZ owned

    User first

    Trusted indices

  • Expert managers

    Cool and calculated

  • NZ owned

  • Human support

    Targeted value

  • User first

    Innovative

  • Data-driven

    Cool and calculated

  • Sustainable funds

Our KiwiSaver funds

Designed by experts Diversified to suit

Kernel High Growth Fund

High Growth Fund

Long term growth

98% Equities

2% Cash

About this fund

A diversified, high-risk fund suitable for those working towards long-term goals 5+ years away.

Learn more

Kernel Balanced Fund

Balanced Fund

Medium term growth

60% Equities

40% Cash

About this fund

A diversified, higher-risk fund suitable for those working towards medium-term goals 3+ years away.

Learn more

Kernel Cash Plus Fund

Cash Plus Fund

Short term growth

0% Equities

100% Cash

About this fund

A diversified low-risk fund suitable for those working towards short-term goals within 3 years.

Learn more

Competitively low fees

Calculate your costs

We've kept our fees low and transparent.

Your KiwiSaver balance:

$35,000

Your monthly fee:

$7

/month

Equivalent to $88/year

  • 0.25%

    Annual management fee*

  • $0.00

    Monthly platform fee

  • Free

    Trading & FX fees

*This estimates the total annual fees for investment in the Kernel High Growth Fund, Kernel Balanced Fund or Kernel Cash Plus Fund. The total annual fees displayed assumes a customer only has the Kernel KiwiSaver plan product in use. Custom Kernel KiwiSaver plan fees are not included.

Construct your KiwiSaver account how you like it

Build a custom Kernel KiwiSaver Plan using a mixture of the Kernel funds. Shape your plan to be more or less in favour of specific asset types, themes or sectors. Suitable for more advanced investors.

Add to your KiwiSaver plan

Shape your KiwiSaver account the way you see tomorrow

Tailor a custom Kernel KiwiSaver Plan to reflect your worldview. Craft your portfolio of funds with a sustainable lens or to invest in the future you believe in.

    Sustainable Funds

    Choose between our local and global sustainable funds.

    Learn more

    Future Innovation Funds

    Choose between our world-leading disruptive technology and electric vehicle funds.

    Learn more

Human help when you need it

Wondering how to transfer your KiwiSaver balance to Kernel? Interested to chat through the intricacies of how our funds are constructed? Whatever the question, our friendly Auckland-based team has you covered.

or call us

0800 537 635

9am - 5pm weekdays

Customer service team

Joining the Kernel KiwiSaver Plan is easy. And it's paperless

Getting started with the Kernel KiwiSaver Plan takes minutes. In three simple steps, you're set up and ready to go.

Don't waste paper on
a KiwiSaver transfer!

  1. Set up your Kernel account

    To get started with the Kernel KiwiSaver Plan, you'll first need to create an account. The process is completely digital, hassle-free and doesn't cost a cent.

    Create a Kernel account

    Set up your Kernel account
  2. Request to transfer your KiwiSaver account

    Once your Kernel account is set up and verified, you can choose to transfer your KiwiSaver balance through the Kernel dashboard.

    Create a Kernel account

    Request to transfer your KiwiSaver account
  3. We take care of the rest

    Leave it with us. We'll sort the redirection of your contributions and request your previous provider to transfer us your current balance. Sit back, relax and wait for your KiwiSaver balance to arrive!

    We take care of the rest

Got questions?
We have answers.

  • How do I join the Kernel KiwiSaver Plan?

    Whether you are brand new to KiwiSaver or switching to Kernel from another provider, joining our plan takes less than five minutes. First, set up a Kernel account then opt to transfer your KiwiSaver balance through the Kernel dashboard. Read our full FAQ.

  • Who can join KiwiSaver?

    KiwiSaver is for permanent residents or citizens of New Zealand who currently live in New Zealand. The Kernel KiwiSaver Plan is currently open to individuals over the age of 18 years - whether you already have a KiwiSaver account or joining for the first time. Kids KiwiSaver is coming soon, email us to keep informed.

Ready to put your money to work?

If you’d like to talk to a human, call us on 0800 537 635 during 9 am - 5 pm weekdays.

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© Copyright 2023 Kernel Wealth Limited

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Indices provided by: S&P Dow Jones Indices