Your KiwiSaver investment deserves a raise.
With Kernel's low KiwiSaver fees, it'll feel like one.
Keep more of your money invested, so more of it can grow over time.
KiwiSaver fees from 0.25% p.a.
Kernel offers some of the lowest KiwiSaver fees in New Zealand. That means more of your money growing for your future.
Your KiwiSaver investment, your way
Start with one of four ready-made Kernel KiwiSaver funds, or mix and match your own custom strategy with global, local, and thematic options from our range of 25+ index funds.
Trusted by 60,000+ Kiwi's
Join thousands of Kiwis choosing a transparent, index-based approach to growing their wealth, without the high costs and guess work of traditional active management.
Low fees feel like a pay rise
Fees are one of the few things you can control when investing - and you pay them whether markets go up or down.
Kernel’s KiwiSaver fees are at least 39% lower than the industry average*. That means more of your money stays invested, and more of the returns stay yours. It’s one of the simplest ways to give your KiwiSaver a raise.
*Based on the Morningstar KiwiSaver Report at 30 December 2025 for Aggressive Multisector Funds average fee of 0.93% p.a., Balanced Multisector Funds average fee of 0.76% p.a., and Cash Single Sector Funds average fee of 0.40% p.a.
A KiwiSaver Plan that doesn't settle for average
While our fees are low, our 3-year performance has been anything but.
Kernel’s High Growth, Balanced, and Cash Plus Funds all ranked #1 for 3-year returns in their respective categories in the latest Morningstar KiwiSaver Survey.
Work towards your next milestone
Whether you're planning for your first family home or a more comfortable retirement, the Kernel KiwiSaver Plan gives you options to match your goal, timeframe, and risk level.
Choose from a range of funds designed to help your money keep moving toward what matters next.
Get a better fit with other Kernel products
Your KiwiSaver investment could have some perfect sidekicks to help you grow your wealth. See your entire investment strategy come together. Manage your Kernel KiwiSaver, Funds, Shares & ETFs, and savings in one easy-to-use platform.
Average fees comparison applies to all Kernel KiwiSaver Scheme diversified funds (High Growth, Balanced, Conservative) and the Kernel KiwiSaver Cash Plus Fund based on Morningstar KiwiSaver Survey data (31 March 2026).
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at kernelwealth.co.nz
Your questions, answered
Read more FAQs