First family home
Whether you’re close to your purchase or have a while to go, our funds cater to multiple time frames and risk levels.
Work towards retirement
A goal that can feel far away, but is no less important. Grow your nest egg with our range of funds.
High Growth
A diversified, high-risk fund suitable for those working towards long-term goals 5+ years away.
Total investment value
Retirement
of
Balanced
A diversified, higher-risk fund suitable for those working towards medium-term goals 3+ years away.
Total investment value
Transition to retirement
of
Cash Plus
A diversified low-risk fund suitable for those working towards short-term goals within 3 years.
Total investment value
House deposit
of
Customise your
KiwiSaver account with
S&P 500
Take control and build a custom KiwiSaver plan using a mix of the Kernel funds. Suitable for advanced investors.
A small fee can make a big difference
Fees really add up over time. We’ve kept our fees low and transparent. No minimums or hidden extras.
Trusted by 80,000+ Kiwis
Our customers trust us with over $5B+ 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.
For people making moves
Your questions, answered
Yes. Kernel’s S&P 500 funds are available within the Kernel KiwiSaver Plan, so you can choose an allocation alongside your other KiwiSaver investments. Learn more about Kernel KiwiSaver.
An unhedged fund is affected by changes in the NZ dollar against the US dollar, while a NZD-hedged fund aims to reduce that currency effect. Read our full guide to hedging and how it works for a closer comparison.
Very safe. The Kernel KiwiSaver Plan is regulated by the Financial Markets Authority and supervised by Trustees Executors Limited. By law, the supervisor has the responsibility to oversee our activities in the interests of all investors. You can read more here.
View all KiwiSaver FAQs
Ready to switch
KiwiSaver providers?
Open a Kernel account, then join the Kernel KiwiSaver Plan in minutes.
Get started