Kernel funds

Great investing is long-term.

Keep it simple by investing in our diversified funds, or customise your portfolio with our range of funds. Then automate it.

Our funds

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Australia 100 Inception date: 13 August 2025 Get access to the 100 largest companies on the ASX, spanning banks, miners, and more.	2.55%	11.33%	N/A	N/A	0.25%
Balanced Inception date: 7 November 2022 A diversified allocation of 60% shares and 40% cash and bonds.	-0.33%	7.86%	13.46%	N/A	0.25%
Cash Plus Inception date: 7 November 2022 Made up of short-term interest bearing assets and other NZ fixed income and floating rate note assets.	0.67%	3.02%	4.78%	N/A	0.25%
Conservative Inception date: 13 August 2025 A diversified allocation of 30% shares and 70% cash and bonds.	-1.56%	3.41%	N/A	N/A	0.25%
Emerging Markets Inception date: 11 November 2024 Own your share of the fastest growing economies across the globe.	0.57%	16.22%	N/A	N/A	0.45%
Global 100 Inception date: 15 July 2020 Own your piece of 100 blue chip companies across major equity markets. The biggest household names, they provide global diversification and long-term capital growth.	6.28%	24.88%	29.52%	21.71%	0.25%
Global 100 (NZD Hedged) Inception date: 2 November 2022 Own your piece of 100 blue chip companies across major equity markets, hedged against currency fluctuations. The biggest household names, they provide global diversification and long-term capital growth.	5.14%	19.44%	24.95%	N/A	0.25%
Global ESG Inception date: 3 July 2023 A globally diversified fund that adjusts companies based on their S&P Global ESG score and alignment with the 2016 Paris Agreement.	2.66%	19.79%	26.07%	N/A	0.25%
Global ESG (NZD Hedged) Inception date: 3 July 2023 A globally diversified fund that adjusts companies to be in alignment with the 2016 Paris Agreement. Hedged against currency fluctuations.	1.52%	15.78%	22.09%	N/A	0.25%
Global Infrastructure Inception date: 15 July 2020 A globally diversified investment in mostly infrastructure lines of business, e.g. utilities, storage and telecommunications, providing relatively stable cash flow and inflation hedging.	-7.10%	5.26%	15.80%	11.03%	0.25%
Global Infrastructure (NZD Hedged) Inception date: 27 July 2022 A globally diversified investment in mostly infrastructure lines of business, e.g. utilities, storage and telecommunications, providing relatively stable cash flow, inflation hedging and also hedged against currency fluctuations.	-8.10%	2.13%	12.42%	N/A	0.25%
Global Property (NZD Hedged) Inception date: 16 June 2021 This fund invests in global real estate companies with weighting towards sustainable practices.	-6.30%	4.40%	9.95%	1.48%	0.25%
High Growth Inception date: 11 April 2022 A diversified fund made up of over 98% growth assets.	1.90%	14.74%	19.05%	N/A	0.25%
March 2027 NZ Bond Inception date: 7 March 2024 An accessible alternative to investing in individual bonds or income-generating assets maturing in March 2027.	0.53%	2.54%	N/A	N/A	0.25%
March 2029 NZ Bond Inception date: 7 March 2024 An accessible alternative to investing in individual bonds or income-generating assets maturing in March 2029.	-0.65%	1.01%	N/A	N/A	0.25%
NZ 20 Inception date: 28 August 2019 Designed for long-term capital growth, the NZ 20 fund invests in 20 of the largest companies listed on the NZX.	-0.06%	2.64%	6.42%	1.50%	0.25%
NZ 50 ESG Tilted Inception date: 14 July 2021 This fund includes and adjusts companies in the S&P/NZX 50 according to sustainability factors.	0.71%	0.47%	6.97%	2.42%	0.25%
NZ Bond Inception date: 7 March 2024 Invests primarily in New Zealand issued bonds, deposits and more.	-2.13%	0.33%	N/A	N/A	0.40%
NZ Commercial Property Inception date: 28 August 2019 The Commercial Property Fund delivers diversification in the property sector by investing in the eight largest REITs on the New Zealand Exchange (NZX).	-3.92%	-12.02%	2.75%	-3.07%	0.25%
NZ Small & Mid Cap Opportunities Inception date: 28 August 2019 The Fund invests in a broad range of smaller companies listed on the New Zealand Exchange (NZX), and is the first NZ Index fund to invest outside of the S&P/NZX 50.	6.62%	7.08%	11.81%	-1.47%	0.25%
S&P 500 (NZD Hedged) Inception date: 11 April 2022 Own your piece of 500 US companies listed on the New York or Nasdaq stock exchanges. The S&P 500 is considered a proxy for the U.S. stock market, and this Fund is designed for growth, well-diversified and hedged against currency fluctuations.	1.75%	12.72%	20.66%	N/A	0.25%
S&P 500 (Unhedged) Inception date: 11 November 2024 Own your piece of 500 US companies listed on the New York or Nasdaq stock exchanges. The S&P 500 is considered a proxy for the U.S. stock market, and this Fund is designed for growth and well-diversified.	2.93%	18.62%	N/A	N/A	0.25%
S&P Global Clean Energy Inception date: 16 June 2021 Invests in global companies involved in the production or provision of Clean Energy.	-16.98%	26.92%	15.97%	4.79%	0.45%
S&P Global Dividend Aristocrats Inception date: 15 July 2020 After a strong, regular distribution payment? Look no further than Dividend Aristocrats. This Fund includes global companies that have a record of maintaining a high dividend over a sustained period of time.	-0.81%	14.25%	17.45%	11.28%	0.25%
Total World Inception date: 25 June 2026 Own the world in one fund. Thousands of companies across developed and emerging markets.	1.31%	N/A	N/A	N/A	0.12%
US Bond Inception date: 11 December 2023 Invest in the world’s biggest bond market, hedged to the New Zealand dollar.	-3.99%	-3.60%	N/A	N/A	0.30%
World ex-US Inception date: 13 August 2025 Gain broad exposure to global developed markets, excluding the United States.	2.37%	20.30%	N/A	N/A	0.25%
World ex-US (NZD Hedged) Inception date: 13 August 2025 Gain broad exposure to global developed markets, excluding the United States, with currency movements hedged to the New Zealand dollar.	1.25%	20.49%	N/A	N/A	0.25%

Get access to the 100 largest companies on the ASX, spanning banks, miners, and more.

3M:: 2.55%
1Y:: 11.33%
3Y:: N/A
5Y:: N/A
Mgmt Fee:: 0.25%

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Performance as of 30 September 2026

Kernel fund returns are after fees, assuming distributions are reinvested and at 0% PIR tax. Returns for periods of more than a year are annualised to be per annum (p.a.).

Fund management fees are per annum (p.a.).

Please note that past performance is not an indicator of future performance.