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Simple & flexible pricing,
to suit every investor

The smarter way to grow your money.

Starter

Achiever

Premium

Portfolio Value
Under $1,000
$1,000 – $25,000
$25,000+
Annual Investment Fee*
0.39%
0.39%
0.29%
Monthly Member Fee
Free
$3.00
$3.00
Transaction Fees
Free
Free
Free
Personalised Investing
Dividend Reinvestment
Unlimited Access to Support
from Kernel’s Customer Care Team

*Monthly Management Fees are 0.39% p.a. 
Premium members receive 0.1% p.a. rebate on their portfolio. Read more.

Starter

Achiever

Premium

Portfolio Value
Under $1,000
$1,000 – $25,000
$25,000+
Annual Investment Fee*
0.39%
0.39%
0.29%
Monthly Member Fee
Free
$3.00
$3.00
Transaction Fees
Free
Free
Free
Personalised Investing
Dividend Reinvestment
Unlimited Access to Support
from Kernel’s Customer Care Team

*Monthly Management Fees are 0.39% p.a. 
Premium members receive 0.1% p.a. rebate on their portfolio. Read more.

Why invest with Kernel

With Kernel becoming a successful investor is simple, with the tools and technology in the palm of your hand.

Fully digital 
Online access available anytime

Personalised portfolio construction
You can invest in funds that meet your goals

Market leading index fund design
Proven investment strategy for growth and income

Online reporting tools
Performance reporting available at the click of a button

We’re fully transparent 
With our investments and our communications

NZ based team
Real people with global experience, minus the jargon

Any time I contact Kernel, the team is very helpful. The platform is clean and easy to use too.

Emily
Christchurch, NZ

I am very impressed with the Kernel platform and the amazing customer service that is provided.

Vikas
Napier, NZ

An easy to use platform with clever investments. Kernel has everything I need to invest.

Armin
Auckland, NZ

Frequently asked questions

Can I move my money if I want to?
Yes, you can withdraw your money at any time with no fees.

Where are the fees taken from?
The member fee is deducted from your Kernel Wallet on a monthly basis. Learn More

How much do I need to invest?
Our minimum to start is just $1.

Why should I choose you over competitors?
Our index fund design, team and platform set us apart. We promise to deliver a world-class index investing experience.

How do you define “long-term” investing?
To us, long term investing means investing for at least five years. Learn More

What do I need to get started?
To open an account you need an IRD number, passport or drivers license & an NZ bank account.

How does the fee rebate work?
A rebate of 0.10% p.a. is paid back to the wallet of any Premium account holders on a monthly basis. Learn More

Ready to invest with Kernel?

You may also call us on 0800 537 635 during 9am-5pm weekdays.

Hi Happy Saver fan!

Thanks for checking us out. Sign up now and get a $10 NZD top-up when you make your first deposit.  Happy investing!