Got questions?
We have answers.

• Who can invest?

  All our products are available to New Zealand residents. While our Kernel KiwiSaver plan is currently only available to individuals over 18, we can open Invest accounts for kids, trusts and companies.

• What fund should I choose?

  Which fund you choose should be in consideration of your age, appetite for risk, your time horizon for the investment and your purpose. You've got a wide range of Kernel funds to choose from - find out more about our funds.

• What tax do I pay when investing?

  The tax you pay on investments in our funds depends on your Prescribed Investor Rate and whether you’re investing in NZ or Global Funds. Read more here.

• How risky is an index fund?

  The level of risk associated with a fund depends on how much the value of a fund’s assets goes up and down (volatility). At Kernel, we use the industry-standard risk indicator scale to illustrate the level of risk associated with investing in a specific fund. You can read more here.

• How do I choose my investments?

  Which investments you choose is personal to your situation, tolerance for risk, time horizon and general preferences. We have a few great resources on how to select investments, including what to consider - read more here. You may also wish to consult a financial adviser (especially with complex situations). Contact our team for independent financial adviser suggestions.

• How do fees work for the Advised KiwiSaver Solution?

  The adviser fee is separate, but overlayed, to Kernel’s underlying fund management fees.

  Advisers can charge a fee of up to 0.50% in addition to our underlying annual fund management fee - for example, if our High Growth Fund’s annual management fee is 0.25%, the adviser fee is an additional 0.50% - the total fee that the customer would therefore pay is 0.75% (maximum).