Yes! Kernel offers kids accounts that can be opened for those aged under 18. You will need the child’s IRD number, NZ passport or birth certificate and your own NZ passport or driver's license. Read how the application process works 

. If the child does not yet have an IRD number and you are their parent or legal guardian you can apply with the 

Can I open an account for a child?

Which investments you choose is personal to your situation, tolerance for risk, time horizon and general preferences. We have a few great resources on how to select investments, including what to consider - 

. You may also wish to consult a financial adviser (especially with complex situations). 

 for independent financial adviser suggestions. 

How do I choose my investments?

The level of risk associated with a fund depends on how much the value of a fund’s assets goes up and down (volatility). At Kernel, we use the industry-standard risk indicator scale to illustrate the level of risk associated with investing in a specific fund. 

How risky is an index fund?

Which fund you choose should be in consideration of your age, appetite for risk, your time horizon for the investment and your purpose. You've got a wide range of Kernel funds to choose from - 

What fund should I choose?

Whether you are brand new to KiwiSaver or switching to Kernel from another provider, joining our plan takes less than five minutes. First, 

 then opt to transfer your KiwiSaver balance through the Kernel dashboard. 

Joining the Kernel KiwiSaver Plan is effortless and takes just a few minutes to complete. Find out how. 

How do I join the Kernel KiwiSaver Plan?

Very safe. The Kernel KiwiSaver Plan is regulated by the Financial Markets Authority and supervised by Trustees Executors Limited. By law, the supervisor has the responsibility to oversee our activities in the interests of all investors. You can 

How safe is my money with Kernel?

Pick and choose from a mix of our funds or our High Growth Fund

The adviser fee is separate, but overlayed, to Kernel’s underlying fund management fees. 

Advisers can charge a fee of up to 0.50% in addition to our underlying annual fund management fee - for example, if our High Growth Fund’s annual management fee is 0.25%, the adviser fee is an additional 0.50% - the total fee that the customer would therefore pay is 0.75% (maximum).

How do fees work for the Advised KiwiSaver Solution?

Kernel is regulated and licensed by the Financial Markets Authority and our Funds are supervised by Trustees Executors Limited, who set our requirements to operate. Read more on investment security 

How safe is my investment?

Five minutes of your time, your IRD number, your New Zealand identification and your NZ bank account details. If you don’t have NZ I.D. you can contact us for other options. 

What do I need to get started?

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, 

Who can join KiwiSaver?

Your KiwiSaver shouldn't cost an arm and a leg. Set yourself up good with our low-fee Kernel KiwiSaver Plan.

Make It Happen With Kernel. Whether you are new to investing or a seasoned professional we can help you achieve the future you want, with our curated range of investment products and index funds. 

High growth but at a low cost

Invest the way you want for retirement

Make Tomorrow Happen, Today!