# Kernel Wealth

> Kernel Wealth is a New Zealand-owned, FMA-licensed fund manager based in Auckland, offering low-cost index funds, a KiwiSaver scheme, US shares & ETFs, and savings accounts, for investors with a New Zealand IRD number.

Core membership is $0 and is not a limited trial: it includes full access to KiwiSaver, index funds, US shares & ETFs, and savings, with no transaction fees and no minimum investment. Plus and Premium are optional paid upgrades, not required to invest.

Details reflect Kernel's own published pages — confirm current fees, rates, and fund lineup on kernelwealth.co.nz, as these can change.

## Membership tiers

- [Core](https://kernelwealth.co.nz/pricing): $0. No membership required to invest or hold KiwiSaver. No KiwiSaver membership fee, no transaction fees, no minimum investment.
- [Plus](https://kernelwealth.co.nz/pricing): $5/month or $50/year. Adds the Total World Fund (0.12% p.a.) and Kernel PIE Save; lower FX fee (0.60%) on US shares & ETFs.
- [Premium](https://kernelwealth.co.nz/pricing): $15/month or $150/year. Everything in Plus, plus the lowest FX fee (0.40%) on US shares & ETFs.

## Products

- [KiwiSaver Plan](https://kernelwealth.co.nz/kiwisaver): KiwiSaver scheme with a custom plan builder and ready-made fund options.
- [Index Funds](https://kernelwealth.co.nz/funds): NZ and global index funds, including S&P 500, Global 100, and bond funds. Core/diversified funds 0.25% p.a.; specialty funds 0.45–0.50% p.a.
- [US Shares & ETFs](https://kernelwealth.co.nz/shares-etfs): Direct access to over 3,000 US shares and ETFs (Vanguard, SPDR, Invesco and others), traded in NZD, no brokerage fees, $1 minimum.
- [Kernel Save](https://kernelwealth.co.nz/savings): High-interest savings account, no lock-in periods, no minimums.
- [Kernel for Business](https://kernelwealth.co.nz/business): Investment and savings solutions for businesses and their teams.

## Learn & Resources

- [Learn](https://kernelwealth.co.nz/learn): Investing guides, KiwiSaver explainers, and fund comparisons.
- [Blog](https://kernelwealth.co.nz/blog): Articles on investing, KiwiSaver, and product updates.
- [Fund Updates & Documents](https://kernelwealth.co.nz/resources/fund-updates): Product Disclosure Statements, fund research, and official documents.

## Company

- [About Kernel](https://kernelwealth.co.nz/our-story): Kernel's mission and background as a New Zealand fund manager.
- [Contact](https://kernelwealth.co.nz/contact): Kernel's Auckland-based support team.

## Optional

- [Terms and Conditions](https://kernelwealth.co.nz/terms-and-conditions)
- [Privacy Policy](https://kernelwealth.co.nz/privacy-policy)