Kernel’s Total World Fund is here.
Go global on repeat with Kernel's NEW Total World Fund.
Instant diversification, low fees of 0.12%, and no buy/sell transaction fees. Get it on Plus and Premium plans.
Welcome, Kernel PIE Save.
A savings option built for Kiwis who want a smarter home for their cash with the PIE tax benefits you'd expect from Kernel.
Your KiwiSaver investment deserves a raise.
With Kernel’s low KiwiSaver fees, it’ll feel like one. Keep more of your money invested with some of the lowest KiwiSaver fees in New Zealand.
Your bank savings should feel this big.
With Kernel Save it does. Finally, a rate that’s easy to see - and even easier to earn. Kernel Save combines high interest with flexibility, so you can save on your own terms.
Kernel’s Total World Fund is here.
Go global on repeat with Kernel's NEW Total World Fund.
Instant diversification, low fees of 0.12%, and no buy/sell transaction fees. Get it on Plus and Premium plans.
Welcome, Kernel PIE Save.
A savings option built for Kiwis who want a smarter home for their cash with the PIE tax benefits you'd expect from Kernel.
Your KiwiSaver investment deserves a raise.
With Kernel’s low KiwiSaver fees, it’ll feel like one. Keep more of your money invested with some of the lowest KiwiSaver fees in New Zealand.
Your bank savings should feel this big.
With Kernel Save it does. Finally, a rate that’s easy to see - and even easier to earn. Kernel Save combines high interest with flexibility, so you can save on your own terms.
Money that grows with you
Build your wealth with smart tools, local expertise, and a platform trusted by thousands of Kiwis. Customise, automate, and track your wealth - all in one place.
80,000+
Investors with Kernel
$5 billion+
Invested with Kernel
100%
Kiwi owned
0.25% p.a.
Some of the lowest fees in market
Diverse ways to grow your wealth
Your life, your wealth, managed effortlessly.
Choose the account type that best fits your needs, preferences or family make-up. Leave the rest to us.
Set an individual account up in minutes, to manage and grow your money with Kernel.
Meeting you where you’re at
Call, chat or email
Do you have account-related questions? Our Auckland-based team has you covered.
Chat to our team
Self-serve help
Find answers to your saving or investing questions in our help centre, or using our educational resources.
Learn about money
Trusted by 80,000+ Kiwis
Our customers trust us with over $5B+ of their money. Here are a few ways we keep it safe:
Licensed by the FMA
As a licensed fund manager, Kernel is subject to ongoing regulation by the Financial Markets Authority.
Independent supervisor and custodian
Kernel's funds are supervised by Trustees Executors Limited. All assets are held by an independent custodian.
2-factor authentication
We use 2FA to protect your Kernel account. Confirm it's you before logging in.
Why our customers love Kernel.
Customer stories
“We love that Kernel is so user-friendly, simplified and you’re not overwhelmed with choice up front.”
Nathalie & Ross, Auckland
View their full story
Customer stories
“Kernel’s low fees and innovative funds are attractive. Their investment ethos aligns with my values.”
Jervis, Digital Marketer, Auckland
View their full story
Customer stories
“I like that Kernel has low fees, and there’s no minimum investment amount.”
Josh, Farmer, Waikato
View their full story
Customer stories
“Kernel’s diversified funds helped answer the question of ‘Which funds should I invest in‘?”
Ryan, Senior Developer, Auckland
View their full story