MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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Kernel Kiwisaver Plan Review

We review the Kernel KiwiSaver Plan, which offers exposure to international and local markets for New Zealanders looking to invest in a low-fee, index fund-based KiwiSaver scheme. We look at this innovative KiwiSaver plan's funds, fees, and pros and cons.
Kernel Kiwisaver Review
Updated 18 July 2024 
Kernel KiwiSaver Plan in a nutshell:
  • A wide selection of funds: Kernel promotes its High Growth Fund as its flagship KiwiSaver fund. It also allows investors the option to invest in any of its seventeen funds that focus on New Zealand, overseas, property and infrastructure and new technology companies. However, if you're looking for lower-risk conservative options, the Kernel Cash Plus fund or Kernel Balanced Fund are likely to be more suitable depending on your investment time horizon.
  • Option to choose between Kernel’s diversified funds or customise using a mix of Kernel funds: Depending on your preference, one of the High Growth, Cash Plus or Balanced Funds might be all you need. But if you would like to choose the exact make up of your KiwiSaver balance you can mix and match as you please. This provides an attractive way to add a sustainability lens or technology tilt to your investments without having to be "all in" on a particular sector or theme.
  • Low fees: No annual member fee. A 0.25% p.a. management fee for core funds and 0.45% p.a. management fee for the alternative funds (for example, the Clean Energy and Moonshot funds). According to recent Morningstar reporting, most investor money is invested in Kernel's core funds.
  • Tax advantage: All Kernel funds are registered as PIEs, which means you pay the tax later and only to a maximum rate of 28%. All Kernel funds replicate an index directly, minimising withholding tax leakage.

This guide outlines what the Kernel KiwiSaver Plan is, what it offers and how it differs from other KiwiSaver providers. We cover:
  • ​The Specs of Kernel's KiwiSaver Funds
  • Who is the Kernel KiwiSaver Plan Suited to?
  • Frequently Asked Questions
  • The KiwiSaver Index Fund Competition - Kernel vs Simplicity vs SuperLife
  • The Bottom Line
  • Must-Know Facts about the Kernel Kiwisaver Plan

Please note: MoneyHub is not a Financial Adviser, and this guide has been published to explain the investment fundamentals and outline the pros and cons of Kernel as a KiwiSaver provider.​
LEARN MORE, JOIN, OR SWITCH TO KERNEL

Kernel Kiwisaver Review

The Specs of Kernel's KiwiSaver Funds

The Kernel KiwiSaver Plan offers three primary diversified funds, with the option to customise your plan instead, choosing between all their seventeen funds. In addition, you can see up-to-date performance data for each fund here.

Diversified funds:
  1. The Kernel High Growth fund invests 98%+ of its money into growth assets, such as shares and listed property.
  2. The Kernel Balanced fund which invests its money at around 60% equities and 40% fixed interest.
  3. The Kernel Cash Plus fund which invests into cash and cash equivalents, and interest-generating assets.

Additional 14 funds to choose from when customising your KiwiSaver Plan:
  1. The Kernel Global 100 fund invests in 100 blue-chip companies across major equity markets. Examples include Apple, Nike, Amazon, Nestle and Microsoft.
  2. The Kernel Global 100 Hedged fund which is a hedged version of the above fund.
  3. The Kernel S&P Global Dividend Aristocrats fund invests in global companies with a record of maintaining a high dividend over a sustained period. Examples include Subaru, CBA (owner of the ASB) and AT&T.
  4. The Kernel Global Clean Energy fund invests in clean energy-related businesses worldwide, including wind, solar, hydro generators, and renewable manufacturers.
  5. The Kernel S&P Kensho Moonshots Innovation fund invests in innovative US-listed companies that challenge or disrupt industries, such as CRISPR, Dropbox, ChargePoint and more.
  6. The Kernel S&P Kensho Electric Vehicle Innovation fund invests in a diversified mix of global companies involved in the electric vehicles sector and the companies supporting it, such as those specialising in energy storage systems, clean fuel technology, charging infrastructure and more.
  7. The Kernel NZ 20 fund invests in twenty of NZ’s largest companies (i.e. Spark, Fisher & Paykel Healthcare, etc.).
  8. The Kernel NZ Small & Mid Cap Opportunities invests in a broad range of smaller companies listed on the NZX, outside of the Kernel NZ 20 fund. It invests in 35+ companies valued at between $100 million and $1 billion.
  9. The Kernel NZ Commercial Property fund invests in several commercial property companies (Goodman, Kiwi Precinct)., and which includes investments in office buildings, industrial estates and shopping malls.
  10. The Kernel NZ 50 ESG Tilted fund invests in the S&P/NZX 50 companies and tilts their weightings in the fund based on their sustainability factors.
  11. The Kernel Global Infrastructure fund invests in utilities, storage and telecommunications infrastructure. Examples include gas companies, energy producers, airports and water companies.
  12. The Kernel Hedged Global Infrastructure fund which is a hedged version of the above fund.
  13. The Kernel Global Green Property fund invests in global companies owning and operating sustainable real estate.
  14. The Kernel S&P 500 fund invests in the 500 largest companies listed on stock exchanges in the United States. This fund is hedged against currency fluctuations.

Bonus: Unlike many other KiwiSaver funds that retain 5% or 10% in cash, even if they are growth assets, Kernel's equity funds (excluding the Kernel Cash Plus and Balanced Funds) are 99.9%+ invested in their underlying shares.

How can I find more information about the funds and their performance?

Recent returns, fees and a description are published for each fund here: NZ 20, NZ Property, Global 100, Global Infrastructure, Hedged Global Infrastructure, Global Dividend Aristocrats, Kensho Moonshots Innovation and Kensho Electric Vehicle Innovation, NZ ESG Tilted Fund, S&P Global Clean Energy Fund, Global Green Property Fund, S&P 500 Fund, High Growth Fund, Cash Plus Fund and Balanced Fund.

You can also download the latest Statement of Investment Policy and Objectives (SIPO), which outlines the Plan's philosophy and strategy via the Kernel KiwiSaver Plan website.

Know this - Kernel also offers portfolio-based investing, so your KiwiSaver performance won't align with any one fund

  • Kernel offers investors seventeen funds to build a personalised portfolio, so your KiwiSaver money will be split up into the Kernel funds based on your selection and apportionment.
  • For example, an investor may decide to invest 25% of their money into the Global Infrastructure Fund, 50% into the Global 100 Fund and 25% into the S&P Clean Energy Fund. Investors can alter this allocation at any time.
  • Investing in a custom portfolio of funds is optional - Kernel's High Growth Fund, Balanced Fund and Cash Plus Fund are all diversified funds, so investors are diversified even if they invest in only one fund.
LEARN MORE, JOIN, OR SWITCH TO KERNEL

Kernel Kiwisaver Review

Who is the Kernel KiwiSaver Plan Suited to?

  • Best for: Short, medium and long-term KiwiSaver members looking for a low fee, high quality KiwiSaver option. Kernel’s index funds are tax efficient, meaning more money in your pocket at the end of the day.
  • Also suitable for: Anyone wanting to go beyond standard 'Growth' KiwiSaver fund (investing in the US, Australia and New Zealand share markets). Plus those who want to construct their own custom portfolio of funds.
  • Unique to many existing KiwiSaver options currently in the market, the Kernel High Growth Fund comprises of 98+% holdings in equities. Comparatively, most other providers have 20 – 25% of their growth funds in non-growth assets such as bonds and/or cash. Being primarily growth assets, the Kernel High Growth Fund can be more susceptible to short-term fluctuations yet have greater long-term growth potential.
  • Not suitable for: KiwiSaver participants looking for active funds that aim to beat the markets year on year.

Standout Features:
  1. The Kernel KiwiSaver Plan offers the ability to customise your portfolio and invest in some funds that are arguably unique to KiwiSaver schemes. These include speciality funds that invest in the clean energy sector, green property, electric vehicle-related companies and other technology-based innovations. These funds complement the standard Kernel funds, which invest into the S&P500, global infrastructure, NZX and the 100 largest companies listed across the globe.
  2. Kernel's fees are some of the lowest around and lower than Simplicity which offers passively managed funds. The 0.25% p.a. management fee (for its core funds, excluding its thematic funds such as Moonshots Innovation, Electric Vehicle and Clean Energy which charge 0.45% p.a) is considerably lower than actively managed KiwiSaver funds which charge between 1% and 2% p.a.
  3. Kernel doesn't charge a member or account fee for any KiwiSaver member. While some schemes are eliminating this annual fee, many still charge it.

Kernel Kiwisaver Review

Kernel KiwiSaver Plan - Frequently Asked Questions

Kernel is an easy KiwiSaver scheme to understand, but we've listed some common queries and helpful answers below to bring to attention what we feel is important and useful to know:

Who invests my money?

Kernel manages its fund by buying companies to match their weight in the respective index the fund tracks. We address the safety and regulation of Kernel in the 'is it safe for me to invest?' question below.

If I invest with Kernel, is my money going into the sharemarket?

Yes - all of Kernel's funds invest in shares, although all of the funds are diversified, so you are protected if and when one or two companies get into trouble.

How big is Kernel?

We define 'big' as the total funds under management. The Kernel KiwiSaver Plan was launched in mid-2022, so the funds are small. That said, Kernel is an established index fund manager with hundreds of millions invested on behalf of thousands of investors from around New Zealand.

The Kernel KiwiSaver Plan started in 2022 – can I trust it, and is it safe for me to invest?

  • Yes - all KiwiSaver providers must comply with many strict rules to ensure the funds of their clients (i.e. what KiwiSaver investors put in) are kept completely separate from the funds used to run their schemes (i.e. money to pay the staff and run the business).
  • Kernel has appointed Adminis to provide fund custody and administration while Trustees Executors is the plan's supervisor.
  • Kernel is also registered with the Financial Markets Authority. 
  • ​Should Kernel close down, your funds would transfer to another provider under the rules of the KiwiSaver. With regards to whether it’s safe to invest, no fund performance is guaranteed, but the risk profile indicates where your money will be invested. This is the case with any KiwiSaver scheme and not unique to Kernel.
  • For example, if a Kernel fund went ‘bad’ and dropped significantly in value, your investment value would drop. If you've invested in other funds, this may lower the overall decrease (if the other funds have performed better). Each fund has specific risks. Many Kernel funds have performed well to date, but there are always risks. One Kernel fund, which is particularly high-risk, and with a suggestion long-term time horizon (7+ years) - is the S&P Kensho Moonshots Innovation Fund. It has has fallen by over 50% since launching in early 2021. This is arguably an incentive to always consider fund diversification as part of any investment decision-making and why Kernel suggests most investors should start with the High Growth fully diversified fund.
LEARN MORE, JOIN, OR SWITCH TO KERNEL

Kernel Kiwisaver Review

The Competition - Kernel vs Simplicity vs SuperLife KiwiSaver

Kernel is arguably most rivalled by Simplicity and SuperLife, which also offer KiwiSaver growth-focused index funds and compete on fees. The specifics are as follows:
  1. Kernel: Seventeen with a 0.25% p.a. or 0.45% p.a. management fee.
  2. Simplicity: Four funds with a 0.31% p.a. management fee.
  3. SuperLife: Many funds with a ~0.5% p.a. management fee, and a $30/year member fee.

Let's calculate the annual fees on a $10,000 KiwiSaver balance:
  • Kernel = $10,000 X 0.25% = $25
  • Simplicity = $10,000 X 0.31% = $31
  • SuperLife = $10,000 X 0.50% + $30 = $80

And, for those with a larger balance, we calculate the annual fees on a $50,000 KiwiSaver balance:
  • Kernel = $50,000 X 0.25% = $125
  • Simplicity = $50,000 X 0.31% = $155
  • SuperLife = $50,000 X 0.50% + $30 = $280

Kernel Kiwisaver Review

The Bottom Line:

  • The Kernel KiwiSaver Plan is, in a nutshell, low-fee, innovative and offers diversification. All of their funds are the most tax efficient in the market, which also saves investors more returns over time.
  • Similar to most other KiwiSaver schemes, Kernel offers KiwiSaver funds suitable for investors with short, medium and long-term investment time horizons. Specifically, Kernel offers a High Growth Fund, Cash Plus Fund and Balanced Fund. Kernel also offers investors the option to customise their KiwiSaver plan and choose to construct their portfolio using a mix of their seventeen funds.
  • Kernel offers its arguably successful DIY fund investing platform to any KiwiSaver member. This gives KiwiSaver members the ability to manage their savings, investments and KiwiSaver online with one login.
  • This approach (multiple fund choices and mixing allocations) is similar to that of SuperLife and InvestNow KiwiSaver
  • The Kernel KiwiSaver Plan delivers a friendly user experience; your dashboard breaks down your total fund invested into components, including returns since you joined. Fund performance is updated twice per week.
  • The Kernel KiwiSaver Plan is suitable for those with a short, medium or long-term time horizon. It offers competitively low fees and the choice to customise with all Kernel funds, or choose between three jet diversified funds.

Be aware:

  • Despite the innovation, fund diversity and low fees, Kernel KiwiSaver won't be for everyone, for example those who are looking for actively managed schemes like Milford KiwiSaver or Fisher Funds KiwiSaver.
  • If you are an active KiwiSaver investor and want a fund manager to continuously pick shares.
LEARN MORE, JOIN, OR SWITCH TO KERNEL

Kernel Kiwisaver Review

Must-Know Facts about the Kernel Kiwisaver Plan

Kernel Kiwisaver Review

Your KiwiSaver balance will be largely based on the rise and fall of sharemarkets

Depending on the performance of the underlying Kernel funds you're invested in, the movements in New Zealand, Australian and overseas share prices will affect the value of your investment.

We believe long-term investment growth is essential to deliver a worthwhile retirement. What's important is not to look at the day-to-day, but the year-on-year return, which Kernel makes widely available in its fund performance table. Of course, markets are volatile, and individual shares are more so. Still, as every company on the share market is profit-orientated, over time, the value of the share index will increase, and so will your investment.
Kernel Kiwisaver Review

Kernel's KiwiSaver fees are some of the lowest in New Zealand

Within the Kernel KiwiSaver Plan, fourteen funds charge a very low 0.25% p.a. management fee, arguably making them the cheapest KiwiSaver funds available. Kernel has kept its fee structure simple with no annual membership fee, performance fee or withdrawal fees etc.

Low fees in KiwiSaver make a huge difference to your overall fund value over time due to the benefits of compounding interest and returns. In short, low fees are excellent. 
Kernel Kiwisaver Review

Kernel offers a proven investment model by investing in index funds

Index funds historically outperform managed funds. According to SPIVA, the S&P 500 (an American sharemarket index) outperformed more than 89% of all active funds over 15 years. Given the low fees an index fund charges and the reliability in outperforming active funds, it's a relatively conservative approach to investment for your retirement. 
Kernel Kiwisaver Review

Kernel takes a flexible approach to KiwiSaver

Traditional KiwiSaver schemes put you in one fund, be that 'growth', 'conservative' or 'balanced'. Kernel allows you to choose between doing this, or investing 100% of your KiwiSaver in any of its funds. These cover everything from New Zealand property to global infrastructure assets. Kernel also has ethical funds and funds which are technology-focused. In summary, the Kernel KiwiSaver Plan is cheap, diverse and flexible.
Kernel Kiwisaver Review

Kernel isn't the only index fund on the market

Within KiwiSaver, Simplicity and SuperLife are two of a handful of index-based KiwiSaver schemes. However, when it comes to fees, Kernel is the cheapest when it comes to annual fees for most funds.
LEARN MORE, JOIN, OR SWITCH TO KERNEL

How does Kernel compare with other options?

  • Read our Favourite KiwiSaver Funds guide to find out more.
  • Worried about not having enough money when you retire? Don't retire poor - read our Retirement in a Nutshell guide (warning: it's brutally honest).
  • Want to learn about Kernel's index funds - our Kernel Wealth Review has you covered.
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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • For Startups
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  • MSD
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  • Motoring
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  • Law
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
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    • Money & Relationships
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      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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    • Challenging Economic Conditions
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      • Graduating Without a Job
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  • Financial Independence
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      • SortMe Review
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    • Tax
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  • Life Essentials
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      • Paid Survey Websites Review
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      • Free Samples
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Printers
      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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