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One of the best things about getting older

Set yourself up for good with our low-fee Kernel KiwiSaver plan. Enjoy retirement the way you want.

Retirement investing isn’t one-size-fits-all.

Choose between our High Growth Fund or create a custom KiwiSaver plan with a mix of funds.

High Growth Fund


Holdings in equities


10 year index performance to March 2022*

A list of funds in the Kernel High Growth fund

*All yearly returns are annualised gross index returns, not including fees or taxes.

Coming Soon

More funds and flexibility in retirement

Looking for more conservative investment funds? We’ll be launching more options in the Kernel KiwiSaver plan soon. Sign-up to our email newsletter to get notified.

Be the first to know when we launch more options in the Kernel KiwiSaver plan.

A KiwiSaver Plan you can care about more and worry about less.

Sustainable Funds

Invest your future in Sustainability

Invest for your values and the world you want to see in the future. Sustainable funds that only invest in companies that meet strict environmental, social and governance requirements.

A list of funds focusing on sustainability
  • Clean Energy

  • ESG

  • Electric Vehicle Eco Systems

  • Thematics

The future you want doesn’t have to cost a fortune.

KiwiSaver is generally a long term investment. Even a small difference in fees can make a huge difference over time.


Account fee


Annual management fee*


Trading & FX fees

*Applies on our 10 core Funds only. Please refer to the Product Disclosure Statement for more detail.

Got questions?
We have answers.

  • How do I join Kernel?

    Whether you are brand new to KiwiSaver or switching to Kernel from another provider, joining our plan takes less than five minutes. You will need your IRD number and NZ photo ID.

  • 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.

  • How much will I pay in fees?

    Our core funds have the same annual fee of 0.25% ($2.50 for every $1000 invested) and our three thematic funds have an annual fee of 0.45%. There are no membership, account, entry, exit, switch or transaction fees!

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 2022 Kernel Wealth Limited


Indices provided by: S&P Dow Jones Indices