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 40,000+ Kiwis
Our customers trust us with over $2B 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
View all KiwiSaver FAQs
Ready to switch
KiwiSaver providers?
Open a Kernel account, then join the Kernel KiwiSaver Plan in minutes.
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