3 KiwiSaver funds ranked #1.
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.
With fees from 0.25% p.a., more of your money stays invested for the long term.
3 funds. 3 category-leading rankings.
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 to 31 March 2026.
Low fees that leave more invested.
With fees from 0.25% p.a., Kernel KiwiSaver diversified fund fees are at least 39% lower than the industry average, helping more of your money stay invested over time.
A disciplined approach.
By using a transparent, index-based strategy, we remove the high costs and guesswork of traditional active management to aim for consistent long-term results.
Not just ranked #1. Ahead of the average.
Kernel’s diversified KiwiSaver funds didn’t just top their categories for 3-year returns. They also outperformed their category averages, showing the strength of a disciplined, long-term approach.
Low fees that leave more invested
Fees are one of the few things you can control when investing - and they apply whether markets go up or down.
Kernel KiwiSaver fees start from 0.25% p.a., with no hidden extras. That means more of your money stays invested over time.
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View full fund performance
See the latest return data across additional time periods, including full performance information for Kernel KiwiSaver funds.
If figures differ from the rankings shown above, that’s because they reflect different reporting periods.
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
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