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Kernel KiwiSaver Plan;
with you at every stage

Designed with your goals in mind.

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Parent and child walking in the countrysideKernel platform on a mobile device

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.

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High Growth

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

Total investment value




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

Total investment value

Transition to retirement


Cash Plus

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

Total investment value

House deposit


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.

S&P Kensho Electric Vehicle Innovation
Global 100
Global ESG
Global Green Property
Global Infrastructure
S&P Kensho Moonshots Innovation
NZ 20

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 20,000+ Kiwis

Our customers trust us with over $1B 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.

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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© Copyright 2024 Kernel Wealth Limited


Indices provided by: S&P Dow Jones Indices

  1. Fee is 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 specialty index funds.