Your KiwiSaver investment deserves a raise.
With Kernel's low KiwiSaver fees, it'll feel like one. Keep more of your money invested with some of the lowest KiwiSaver fees in New Zealand.
Low KiwiSaver fees from 0.25%
Fees really add up over time. We’ve kept our fees low and transparent. No minimums or hidden extras.
Investment options to suit you
Choose from four diversified KiwiSaver investment strategies OR build your own custom investment strategy from our range fo 23 funds like the S&P500, Global100, and ASX100.
Trusted by 40,000+ Kiwi's
Our customers trust us with over $2B of their money. We keep it safe as we're regulated by the FMA, supervised by an independent custodian & supervisor, and with built-in 2FA.
Fees that are 74% lower than the category average.
The fees you pay on a Kernel KiwiSaver High Growth Fund are 74% lower than the competitor average for similar funds*.
That's 74% more of your money that could be working harder for your KiwiSaver investment. Plus, our fees are:
67% lower than the category average for Balanced Funds.
39% lower than the category average for Cash Funds.
*Based on the Morningstar KiwiSaver Report at 30 June 2025 for Aggressive Multisector Funds average fee of 0.95% p.a., Balanced Multisector Funds average fee of 0.75% p.a., and Cash Single Sector Funds average fee of 0.41% p.a.
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.
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 and ETFs, & savings in one easy-to-use platform.
Your questions, answered
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