A KiwiSaver Plan that doesn’t settle for average.
Kernel’s High Growth and Balanced Funds ranked #1 for 3-year returns in their respective categories, with Cash Plus returning #2 over the same period.
With fees as low as 0.25% p.a., more of your money stays invested for the long term.
Two funds, one ranking: #1
Kernel’s High Growth and Balanced Funds ranked #1 for 3-year returns in their respective categories in the latest Morningstar KiwiSaver Survey to 30 June 2026.
Low fees that leave more invested.
With fees from 0.25% p.a., Kernel KiwiSaver diversified fund fees are at least 40% 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.
Pair your risk portfolio with our performance.
Whether you’re choosing Kernel High Growth, Balanced or Cash Plus, Kernel’s diversified KiwiSaver funds outperformed their respective category averages over 3-years, 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. 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 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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