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 40% 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.
A KiwiSaver Plan that doesn't settle for average
While our fees are low, our recent performance has been anything but.
In the latest Morningstar KiwiSaver Survey, our High Growth and Balanced Funds topped the charts at #1 for 3-year returns. We’ve also secured a podium finish at #2 for our Cash Plus fund 3-year returns, and for High Growth 1-year performance.
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 360 data (30 June 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
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