Got questions?
We have answers.

• How does the platform fee work?

  Our platform fee applies to your total portfolio value, meaning any money you have invested in Kernel funds or sitting ready to invest. We deduct the platform fee in arrears at the end of each month from your Kernel Wallet. Find out more.

• What are "Core" and "Specialty" Funds?

  To help you differentiate between our funds, we have grouped them into two main types of funds, inspired by a core-satellite investing approach. Kernel’s specialty funds include the S&P Global Clean Energy Fund, S&P Kensho Moonshots Innovation Fund and S&P Kensho Electric Vehicle Innovation Funds. All other funds we consider to be core funds. Read more.

• What are the fees for the Kernel KiwiSaver Plan?

  We've kept it simple. There is no platform fee applied when using only the Kernel KiwiSaver Plan. The management fee is 0.25% p.a. for all funds except the Moonshots Innovation, Electric Vehicles Innovation and Global Clean Energy Funds which have a management fee of 0.45% p.a. Read our full FAQ.

• 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. See how Kernel works.

• How safe is my investment?

  Kernel is regulated and licensed by the Financial Markets Authority and our Funds are supervised by Trustees Executors Limited, who set our requirements to operate. Read more on investment security here.

• Can I open an account for a child?

  Yes! Kernel offers kids accounts that can be opened for those aged under 18. You will need the child’s IRD number, NZ passport or birth certificate and your own NZ passport or driver's license. Read how the application process works here. If the child does not yet have an IRD number and you are their parent or legal guardian you can apply with the IRD online.