This fund includes and adjusts companies in the S&P/NZX 50 according to sustainability factors.

NZ 50 ESG Tilted

This fund invests in global real estate companies with weighting towards sustainable practices. 

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Global Property (NZD Hedged)

Invests in global companies involved in the production or provision of Clean Energy.

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S&P Global Clean Energy

Kernel was born out of frustration with the inefficiencies, lack of innovation and low level of financial literacy holding back the New Zealand financial industry, and ultimately Kiwi’s financial futures.

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Kiwis deserve better investment options to grow their long-term wealth. At Kernel, we offer just this. 

Through our digital platform, world-class investment funds and quality financial resources, Kiwis now have an effective way to grow their savings over the long-term.

Why was Kernel created? Read our story and discover how we are creating a world where all Kiwis are wealthier and more financially literate.

We’re passionate about creating a world where all Kiwis are wealthier, more financially literate, and good savings and investing behaviour is embedded for future generations.

We take a time-tested, long-term investment approach and encourage our investors to do the same.

While no two investors are the same, we believe that by embodying Kernel’s investment philosophies, investors have the ability to invest successfully and achieve financial freedom.

A self-described “mainlander”, Dean and his partner enjoy regularly exploring NZ, visiting friends and family, and sampling Auckland’s great eateries.

As our CE, Dean is committed to helping ambitious individuals achieve financial freedom through the creation of innovative financial products. He understands the investor challenge and is on a mission to change the financial future of millions.

After spending a number of years in the financial services industry, Dean realised that investment options needed to improve and investors deserve better. Taking a fresh approach to the investment sector, he created Kernel – a digital wealth solution where innovation meets investment.

On the back of five years as Head of Product at a large ETF provider; he is an expert at creating, launching and developing index funds. Prior to that, Dean worked at the NZX specialising in data products, licensing and contracts.

Stephen, his wife and two kids live on Waiheke Island and as a major sports fan, he is the Chairperson of Touch NZ.

Stephen is Kernel’s Chief Operating Officer. He leads our investment operations and management of Kernel’s technology, communication and information requirements.

As the former Chief Operating Officer for a large NZ fund manager, he oversaw six managed investment schemes. Prior to that, Stephen lived overseas for 10 years, mainly residing in Switzerland, and working for multi-national banks Citi and UBS.

Stephen holds an MBA from the University of Cambridge in England, as well as a Bachelor of Commerce and Administration, a Bachelor of Arts in Psychology and the CIMA Professional qualification in Management Accounting.

Cat and her husband enjoy travelling the world, hosting dinner parties and hanging out with their family and fur-baby.

As Chief Customer Officer, Cat manages Kernel’s marketing and customer success teams. Cat is most passionate about ensuring her generation understand how to design their finances to achieve their life goals.

Originally from Melbourne, Cat moved to Auckland in 2017, previously working at financial advice firms in the high net worth space. She understands first hand goals based advice and the challenges new investors face.

Since moving, Cat embraced a digital nomad life, working as a Strategic Adviser for a Melbourne millennial-focused advice firm. Cat holds a B.Com, a Diploma of Financial Services and has completed the Certified Financial Planner course.

Our Story

Hear from Kernel investors about their journey with money, investing and achieving their goals – the good, the bad and the learnings!

Investor Stories

Through successful long-term investing, Kiwis will be wealthier, more financially literate and have more choice to live the lives they desire.

As a country, New Zealand will have a healthier financial ecosystem and as a society, we will be contributing to better economic growth.

How Kernel came about

It's time for a new solution

A wealthier future for all Kiwis

Meet the Magic Makers

We’re running a marathon, not a sprint.

The wealthier future we’re building with Kiwis

Build your future with Kernel funds

Time to give your money a new home?

Keep up to date with Kernel

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