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
98%+
Holdings in equities
13.97%
10 year index performance to March 2022*
Set yourself up for good with our low-fee Kernel KiwiSaver plan. Enjoy retirement the way you want.
Choose between our High Growth Fund or create a custom KiwiSaver plan with a mix of funds.
High Growth Fund
98%+
Holdings in equities
13.97%
10 year index performance to March 2022*
*All yearly returns are annualised gross index returns, not including fees or taxes.
Coming Soon
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.
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.
Clean Energy
ESG
Electric Vehicle Eco Systems
Thematics
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.
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.
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.
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!
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