Built by you. Kept by them.
Use Kernel to grow your wealth off‑farm, so the next generation can grow their future on it.
Kernel gives rural families a simple way to build investments outside the farm gate. Set up automatic contributions into diversified index funds and grow a nest egg that supports retirement, succession, and life beyond the cowshed.
Plan for succession, not just this season.
Build investments outside the farm so you’re not relying on a land sale or big bank loan when it’s time to hand things on.
Automate it between milkings
Set a regular contribution that runs in the background. Kernel’s auto‑invest tools do the heavy lifting while you’re in the paddock.
Keep control of your cashflow
Unlike land, a Kernel portfolio is liquid - accessible in days, not months - providing a safety net for farm emergencies or new opportunities.
An off‑farm buffer for on‑farm life.
Milk price, weather, and regulation can all shift quickly. Building wealth off‑farm helps spread that risk.
With Kernel, you can invest in low‑cost index funds holding a wide range of companies in New Zealand and around the world – alongside your farm, not instead of it. Choose your own US holdings with Shares & ETFs, save for your retirement with the Kernel KiwiSaver Plan, or just grow your nest egg with our high-interest Smart Saver.
Your legacy, beyond the land.
Don't let the farm be your only retirement plan.
A diversified portfolio creates the financial flexibility needed for a smooth succession. Whether it’s providing for children not on the land or securing your own independent income, Kernel helps you build a legacy that’s fair for the family and sustainable for the farm.
Built for people who don’t have time for paperwork.
Enjoy the security of an FMA-licensed wealth manager with the freedom of a DIY platform. Open an account online in minutes – no branch visits, no suits, no long meetings. Set up automatic contributions from your farm or personal account and track everything in the Kernel app, whether you’re in the cowshed or at the kitchen table.
High-yielding assets, built for the long haul.
You don’t need a complex system to get a high-performing result. Our High Growth Fund is a simple, low-fee index fund that has outperformed the sector average over the last three years*.
By removing the guesswork and keeping costs low, more of your money stays invested and working for your family’s future beyond the fence. It’s a straightforward, high-performance system designed to go the distance.
Explore our performance
One dashboard. Total oversight.
Alongside your off‑farm investments, you can manage your Kernel KiwiSaver, Smart Saver cash, and funds on one easy‑to‑use platform. View everything together, so you can see how your KiwiSaver investment, savings, and investments work as one long‑term plan.
*© 2026 Morningstar All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its affiliates or content providers; (2) may not be copied, adapted or distributed; (3) is not warranted to be accurate, complete or timely; and (4) does not constitute advice of any kind, whether investment, tax, legal or otherwise and 5) has been prepared for New Zealand wholesale clients of Morningstar Research Ltd, subsidiary of Morningstar, Inc and is not intended for New Zealand retail clients. Neither Morningstar nor its content providers are responsible for any damages arising from the use and distribution of this information. Past performance is no guarantee of future results.
Kernel Wealth Limited is the manager and issuer of the relevant Kernel Funds Scheme and Kernel KiwiSaver plan. Product Disclosure Statements and more information are available at kernelwealth.co.nz/resources.
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