Pricing and benefits
$0 to join. Or choose a plan.
Kernel Core is free and gives you access to the full Kernel range, including Kernel KiwiSaver, with no membership or transaction fees and fund fees from just 0.25% p.a.
Plus and Premium are optional membership upgrades, for investors who want our lowest FX rates and access to the Total World Fund or PIE Save.
Core
For investors starting out, or those seeking a simple, low-cost way to save and invest with confidence.
$0
NZD
/yearly
Benefits
Access to KiwiSaver, Funds, US Shares & ETFs, & Saving
KiwiSaver and Fund fees from 0.25% p.a.
1.50% FX fee on US Shares and ETFs
Individual, joint & child accounts
A platform experience to love
Who is this for?
Great for investors who are:
Starting out, or those seeking a simple, low-cost way to save and invest with confidence.
Membership
Pay monthly
Free
Pay yearly
Free
Funds
Management fee
0.25-0.50% p.a.
Transaction fees
$0
Minimums
None
Total World Fund
Auto invest
Fund insights
KiwiSaver
Member fee
$0
Management fee
0.25-0.50% p.a.
Transaction fees
$0
Diversified funds
Build your own (25+ index funds)
US Shares & ETFs
FX fee
1.50%
Brokerage fee
$0
Minimums
$1
Limit Orders
Auto Invest
Savings
Kernel Save
Kernel PIE Save
Interest rate
2.75% p.a.*
Term period
None
Auto Save
Yes (Kernel Save only)
PIE Save Tax treatment
Account types
Kids account
Individual & joint
Trusts & companies
Tools
Goal tracking
Most Popular
Plus
For regular investors wanting access to our full fund range and tools to automate their investing.
$50
NZD
/yearly
Benefits
Everything in Core
0.60% FX fee on US shares & ETFs
Access to Total World Fund (NEW)
Access to PIE Save (NEW)
Who is this for?
Great for investors who are:
Regular investors wanting access to our full fund range and tools to automate their investing.
Membership
Pay monthly
$5 NZD/monthly
Pay yearly
$50 NZD/year
Funds
Management fee
0.12 -0.50% p.a.
Transaction fees
$0
Minimums
None
Total World Fund
Auto invest
Fund insights
KiwiSaver
Member fee
$0
Management fee
0.25-0.50% p.a.
Transaction fees
$0
Diversified funds
Build your own (25+ index funds)
US Shares & ETFs
FX fee
0.60%
Brokerage fee
$0
Minimums
$1
Limit Orders
Auto Invest
Savings
Kernel Save
Kernel PIE Save
Interest rate
2.75% p.a.*
Term period
None
Auto Save
Yes (Kernel Save only)
PIE Save Tax treatment
Taxed at your PIR
Account types
Kids account
Individual & joint
Trusts & companies
Tools
Goal tracking
Premium
For investors with larger portfolios seeking enhanced benefits, our lowest FX rate, and more value.
$150
NZD
/yearly
Benefits
Everything in Plus
0.40% FX fee on US shares and ETFs
Trust & Company accounts
Who is this for?
Great for investors who are:
Investors with larger portfolios seeking enhanced benefits, our lowest FX rate, and more value.
Membership
Pay monthly
$15 NZD/monthly
Pay yearly
$150 NZD/year
Funds
Management fee
0.12-0.50% p.a.
Transaction fees
$0
Minimums
None
Total World Fund
Auto invest
Fund insights
KiwiSaver
Member fee
$0
Management fee
0.25-0.50% p.a.
Transaction fees
$0
Diversified funds
Build your own (25+ index funds)
US Shares & ETFs
FX fee
0.40%
Brokerage fee
$0
Minimums
$1
Limit Orders
Auto Invest
Savings
Kernel Save
Kernel PIE Save
Interest rate
2.75% p.a.*
Term period
None
Auto Save
Yes (Kernel Save only)
PIE Save Tax treatment
Taxed at your PIR
Account types
Kids account
Individual & joint
Trusts & companies
Tools
Goal tracking
Your questions, answered
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.
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.
Kernel’s S&P 500 (Unhedged) Fund and S&P 500 (NZD Hedged) Fund each have a management fee of 0.25% per year. There are no brokerage fees, buy/sell spreads or minimum investment requirements; you can start from $1. The management fee is deducted from the fund’s value.
Read more FAQs