Two new ways to grow your wealth
Most Kernel investors don't time the market. They show up consistently, contribute regularly, and trust the long game. Our two latest products are built with you in mind.
Total World Fund
Available nowA single fund that captures the full breadth of global equity markets, developed and emerging.
- Invests in: Vanguard's Total World Stock ETF
- Tracks: FTSE Global All Cap index
- Management fee: 0.12% p.a.
- Transaction fee: None
PIE Save
Available nowA savings option built for Kiwis who want a smarter home for their cash with the PIE tax benefits you'd expect from Kernel.
- Rate of return: 2.75% p.a. (subject to change)
- Tax: PIR - capped at 28%
- Transaction fee: None
- Not covered by Deposit Compensation Scheme
Both funds are available exclusively to Plus & Premium members. Your membership fee is complemented with a competitive management fee, and zero transaction fees to buy, sell or rebalance. Over time, this structure can mean more of your money stays invested and working for you. Learn more here.
Better together
A simple two-fund setup for any investor, with Total World for long-term global growth and PIE Save as your cash buffer. Together, they create a portfolio strategy that's globally diversified, tax-smart, and built around regular contributions. One for growth, one for safety, both working harder for you.
New to Kernel? Sign up here
Pricing and benefits
Core
For investors starting out, or those seeking a simple, low-cost way to save and invest with confidence.
$0
Benefits
- Access to KiwiSaver, Investing & Saving
- 1.50% FX fee on US Shares and ETFs
- KiwiSaver and Fund fees from 0.25% p.a.
- Individual, joint & child accounts
- A platform experience to love
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
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Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at kernelwealth.co.nz