High Growth Fund
Long term growth
98% Equities
2% Cash
About this fund
A diversified, high-risk fund suitable for those working towards long-term goals 5+ years away.
We set the bar high and the fees low
Our expertly designed Kernel KiwiSaver Plan has been crafted to suit your needs. Choose between three diversified funds or customise your KiwiSaver account to reflect your worldview.
Get started now0.25%*
Our annual core fund management fee
Your money growing
Your money growing
*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 speciality funds.
Flexible options
Safe and sound
Tax efficient
Digital platform
Trusted indices
Modern approach
Lower cost
Globally diversified
What makes Kernel unique?
The Kernel difference
Kernel was built for Kiwis by Kiwis. We partner with leading index provider, S&P Dow Jones Indices, to bring you innovative, tax-efficient financial products. There are no guessing games here - we use a data-driven investment approach. A fully digital platform with real human customer support, we don't skimp on quality.
Human support
Targeted value
Targeted value
NZ owned
User first
Trusted indices
Expert managers
Cool and calculated
NZ owned
Human support
Targeted value
User first
Innovative
Data-driven
Cool and calculated
Sustainable funds
Our KiwiSaver funds
Designed by experts Diversified to suit
Balanced Fund
Medium term growth
60% Equities
40% Cash
About this fund
A diversified, higher-risk fund suitable for those working towards medium-term goals 3+ years away.
Cash Plus Fund
Short term growth
0% Equities
100% Cash
About this fund
A diversified low-risk fund suitable for those working towards short-term goals within 3 years.
Competitively low fees
Calculate your costs
We've kept our fees low and transparent.
Your KiwiSaver balance:
$35,000
Your monthly fee:
$7
/month
Equivalent to $88/year
0.25%
Annual management fee*
$0.00
Monthly platform fee
Free
Trading & FX fees
*This estimates the total annual fees for investment in the Kernel High Growth Fund, Kernel Balanced Fund or Kernel Cash Plus Fund. The total annual fees displayed assumes a customer only has the Kernel KiwiSaver plan product in use. Custom Kernel KiwiSaver plan fees are not included.
Construct your KiwiSaver account how you like it
Build a custom Kernel KiwiSaver Plan using a mixture of the Kernel funds. Shape your plan to be more or less in favour of specific asset types, themes or sectors. Suitable for more advanced investors.
Shape your KiwiSaver account the way you see tomorrow
Tailor a custom Kernel KiwiSaver Plan to reflect your worldview. Craft your portfolio of funds with a sustainable lens or to invest in the future you believe in.
Future Innovation Funds
Choose between our world-leading disruptive technology and electric vehicle funds.
Human help when you need it
Wondering how to transfer your KiwiSaver balance to Kernel? Interested to chat through the intricacies of how our funds are constructed? Whatever the question, our friendly Auckland-based team has you covered.
Joining the Kernel KiwiSaver Plan is easy. And it's paperless
Getting started with the Kernel KiwiSaver Plan takes minutes. In three simple steps, you're set up and ready to go.
Don't waste paper on
a KiwiSaver transfer!
Set up your Kernel account
To get started with the Kernel KiwiSaver Plan, you'll first need to create an account. The process is completely digital, hassle-free and doesn't cost a cent.
Request to transfer your KiwiSaver account
Once your Kernel account is set up and verified, you can choose to transfer your KiwiSaver balance through the Kernel dashboard.
We take care of the rest
Leave it with us. We'll sort the redirection of your contributions and request your previous provider to transfer us your current balance. Sit back, relax and wait for your KiwiSaver balance to arrive!
Got questions?
We have answers.
How do I join the Kernel KiwiSaver Plan?
Whether you are brand new to KiwiSaver or switching to Kernel from another provider, joining our plan takes less than five minutes. First, set up a Kernel account then opt to transfer your KiwiSaver balance through the Kernel dashboard. Read our full FAQ.
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 - whether you already have a KiwiSaver account or joining for the first time. Kids KiwiSaver is coming soon, email us to keep informed.
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.