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Make It Happen with Kernel Wealth

Create the future you want with Kernel, whether that is retiring early, buying your first home or spending more time with family.


To build long term wealth, you need a diversified portfolio. Start with one designed by our experts, or add and adjust your investments to match your interests.

  • Investing made easy with smart automation

  • 13 funds that invest across NZ and global markets

  • Super low management fees

Save @ 2.60%* p.a.

Start achieving your short term saving goals now with Kernel Save. Whether you're saving for your wedding, an upcoming house purchase or building an emergency fund.

  • Earn 2.60%* interest per annum

  • Take the temptation out of withdrawing with Notice Saver

  • Free with any Kernel investment account


Set yourself up for good with our low-fee Kernel KiwiSaver Plan. Enjoy retirement the way you want.

  • Designed for growth, or designed by you

  • Low annual fees, with no member or account fees

  • Sustainable funds to invest for a better tomorrow

Got questions?
We have answers.

  • What do I need to get started?

    Five minutes of your time, your IRD number, your New Zealand identification and your NZ bank account details. If you don’t have NZ I.D. you can contact us for other options.

  • What can I use a Save account for?

    Any short term goal! We would never suggest investing money you need in the next 1-3 years in the sharemarkets. Save is a solution to that - an out-of-sight, out-of-mind account to get you to your goal faster.

  • Who can join KiwiSaver?

    KiwiSaver is for permanent residents or citizens of New Zealand who currently live in New Zealand. The Kernel KiwiSaver plan is currently open to individuals over the age of 18 years.

Make Tomorrow Happen, Today!

If you’d like to talk to a human, call us on 0800 537 635 during 9 am - 5 pm weekdays.

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