Cheers
to 3 years!
The Kernel KiwiSaver Plan has ranked #1 for 3-year returns in the High Growth and Cash categories for the year ending 31 December 2025*.
Pair this with fees at least 38% lower than the industry average, and it turns out you don't need high costs to access high growth.
Switch to the Kernel KiwiSaver Plan now Fund Performance
*Based on Morningstar KiwiSaver Survey (31 December 2025). Returns shown are after fees and before tax. Past performance does not guarantee or indicate future performance; returns may vary over a fund's minimum investment timeframe and longer.
Performance that sticks
Kernel KiwiSaver funds are holding their ground on the leaderboards, with a mix of #1 and #2 spots across our High Growth, Balanced, and Cash Plus funds for both 1 and 3-year return periods.
Fees that don't eat your future
Sitting as low as 0.25% p.a., our fees are at least 38% lower than the industry average, keeping more of your savings growing for you.
Your money, your way
With 27 low-fee index funds at your fingertips, you have the flexibility to build a custom KiwiSaver investment that actually fits your goals and values.
Choose a KiwiSaver Plan that raises the bar.
The Kernel KiwiSaver Plan has topped the rankings in the latest Morningstar KiwiSaver Survey, with three of our funds taking the top spots for three-year returns and outperforming the respective sector averages.
Fund Performance
Check out our latest Fund Performance across additional time periods. Please note that these figures show a different time period to the charts above, so the returns will differ.
Get a better fit with other Kernel products
Give your KiwiSaver investment a sidekick 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 December 2025).
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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