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
        • 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 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
        • 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
        • Investing Guide
        • 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
          • Interest Rate Predictions 2025
            • Money Sweetspot Review
            • 20 Property Investment Risks You Can't Ignore
            • Shares vs Property Investment
            • Milford vs ANZ KiwiSaver Growth Funds Comparison
            • Best Performing KiwiSaver Funds
            • Kernel Shares & ETF Investing 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
      • 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
      • 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
      • 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
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • 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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  • KiwiSaver
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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Kernel Wealth Review

We review Kernel Wealth, the personal finance platform and index fund manager offering low fees and a growing range of products, including a wide selection of 25 local and international funds, an online savings account and the Kernel KiwiSaver Plan.
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Updated 24 December 2024

Summary of Kernel Wealth ('Kernel')


Kernel launched in late 2019. Their Invest offering consists of 25 index funds with specific investment profiles:
  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.
  4. The Kernel Global 100 fund invests in 100 blue-chip companies across major equity markets. Examples include Apple, Nike, Amazon, Nestle and Microsoft.
  5. The Kernel Global 100 Hedged fund which is a hedged version of the above fund.
  6. 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.
  7. The Kernel Global Clean Energy fund invests in clean energy-related businesses worldwide, including wind, solar, hydro generators, and renewable manufacturers.
  8. 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.
  9. 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.
  10. The Kernel NZ 20 fund invests in twenty of NZ’s largest companies (i.e. Spark, Fisher & Paykel Healthcare, etc.).
  11. 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.
  12. 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.
  13. 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.
  14. The Kernel Global Infrastructure fund invests in utilities, storage and telecommunications infrastructure. Examples include gas companies, energy producers, airports and water companies.
  15. The Kernel Hedged Global Infrastructure fund which is a hedged version of the above fund.
  16. The Kernel Global Green Property fund invests in global companies owning and operating sustainable real estate.
  17. 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.
  18. The Kernel S&P 500 (Unhedged) fund invests in the S&P500 but isn't hedged - you can read about hedging here.
  19. ​The Kernel Global ESG Fund Invests in a globally diversified portfolio of companies with strong ESG scores from S&P Global, promoting sustainable and ethical business practices.
  20. The Kernel Global ESG (NZD Hedged) Fund is similar to the Global ESG Fund but includes currency hedging to minimize the impact of NZD fluctuations, targeting sustainable companies globally.
  21. The Kernel Emerging Markets Fund invests in companies listed in 23 emerging countries, including China, India, and Taiwan.
  22. ​​The Kernel NZ Bond Fund invests primarily in New Zealand issued bonds, offering stable returns through interest earnings, suited for lower-risk preferences.
  23. The Kernel March 2027 NZ Bond Fund targets investments in New Zealand bonds maturing in March 2027, providing a fixed investment term for predictable income.
  24. The Kernel March 2029 NZ Bond Fund focuses on New Zealand bonds maturing in March 2029, designed for investors looking for medium to long-term fixed income opportunities.
  25. The Kernel US Bond Fund provides exposure to the US bond market with currency hedging to the New Zealand dollar, aiming for income through diversified US fixed income securities.

Beyond the above funds, Kernel also offers:

1. The Kernel Save offering consists of one high-interest savings account:
  • Interest Rate: Kernel’s Cash Plus Fund offers a 4.93% p.a. interest rate (as at 24 December 2024 before tax and after fees, subject to change).
  • Time to Withdraw: 1-2 business days.
  • No minimums or limits
  • Your money is held across a diversified mix of cash and cash equivalent assets, such as deposits with major banks.
  • More details: Read more about Kernel Save

2. The Kernel Smart Saver is an online savings account
  • Interest Rate: 3.80% p.a., subject to change.
  • Time to Withdraw: Funds can be accessed within 1-2 business days.
  • No minimums, fees or limits
  • Your money is held securely with a RBNZ registered bank
  • More details: Read more about Kernel Smart Saver
​
3. The Kernel KiwiSaver Plan, which gives you the option to invest in their diversified funds – High Growth, Cash Plus and Balanced Funds – or choose to mix and match between the Kernel funds to construct your portfolio. Here are the details in a nutshell:
  1. Low fees: No annual membership fee, with an annual management fee of 0.25% p.a. for core funds, 0.40% to 0.50% for bond funds, and 0.45% p.a. for thematic funds. Thematic funds include the Global Clean Energy Fund plus two Kensho funds, everything else are considered core funds. According to recent Morningstar reporting, most investor money is invested in Kernel's core funds.
  2. Custom portfolio vs diversified 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. A great way to add a sustainability lens or technology tilt to your investments.
  3. High Growth Fund is invested in 98%+ equities: Compared to other growth or aggressive funds already in the market that hold 20-25% in non-growth assets such as bonds and/or cash, the Kernel High Growth Fund holds a higher allocation to growth assets.
  4. 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.
  5. More details: Our Kernel KiwiSaver Plan Review explains the offering in detail.

Must-Know Specs:
  1. Kernel charges some of the lowest fees in New Zealand. It has two fee buckets - 0.25% p.a. for core funds, 0,40% to 0.50% for bond funds, and 0.45% p.a. for thematic funds. The Thematic funds cover the Global Clean Energy fund and both the Kensho funds. The rest are considered either core or bonds funds. The majority of investor money, per recent Morningstar reporting, is invested into Kernel's core funds.
  • To invest in the Kernel funds (Kernel Invest), investors pay $0/month to access the platform
  • You can access the platform when using the Kernel KiwiSaver Plan or Kernel Save for free, with no membership fees.
  • Investors can buy into funds direct, or via a financial adviser. The ongoing fees are the same.
  • The minimum investment or savings amount is $1 per fund.
  • 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, Balanced Fund, Global ESG Fund, Global ESG (NZD Hedged) Fund, NZ Bond Fund, March 2027 NZ Bond Fund, March 2029 NZ Bond Fund and US Bond Fund

Our View: 
  1. The founding team worked for many years at the NZX but launched Kernel to meet a demand for fee-competitive index funds. Since launching they have added KiwiSaver and savings offerings to their product suite. With annual management fees around half of other investment platforms and online fund managers, Kernel presents a challenge to established funds. By December 2024, Kernel had grown to manage over $1 billion of investor funds.
  2. We expect the platform to launch new funds, products and features progressively and will update this guide as these changes go live. Since our first version of this review, Kernel has added eleven funds over two years, plus the Kernel KiwiSaver Plan and a high-interest savings account at different stages.
  3. We are not a fan of high managed fund fees – some institutions charge as much as 3% on your investment every year to look after your savings while you take all the risk on what they invest in. In the last couple of years, index funds have become available to the average Kiwi investor, and Kernel is a welcome low-cost online index fund manager offering an wide choice of funds. It also focuses on investor education to help foster long-term decision making.

Our Review 
In this guide, we outline what Kernel is. Specifically, the funds and products they offer to New Zealand-based investors, what index funds are and how they're different to other funds, as well as looking at alternatives and the level of fees involved.
  • The Specs of Kernel
  • ​Who is Kernel Suited to?
  • What Others Are Saying About Kernel
  • 10 Things to Know About Kernel
  • Our Conclusion
 
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's funds as an investment opportunity.

Related guides:
  • ​Want to know how to trade or invest in the NZX? Our NZX in a Nutshell guide explains what you need to know.
  • Looking for an investing platform that offers other funds? Our reviews of InvestNow have you covered.
Learn more or join Kernel

Kernel Wealth Review

The Specs of Kernel

  • Kernel is a private New Zealand-owned company launched in mid-2019 and based in Auckland. 
  • Kernel only sells its own funds, unlike platforms such as Sharesies or InvestNow which offer third-party funds. All underlying investments are held by an independent custodian, meaning your money is protected should anything happen to Kernel.
  • Kernel offers the Kernel KiwiSaver Plan, with options for those with short, medium and long-term time horizons. With the choice to DIY it or select a well-diversified fund.
  • Investing in any Kernel fund means you are investing in the New Zealand and/or overseas sharemarket. Each fund invests in specific shares based on the investment profile and index they track. For example, the NZ Commercial Property Fund invests only in New Zealand listed property shares.
  • You can invest in Kernel funds via its online platform or by working with selected financial advisors. You can also deposit into Kernel Save or transfer your KiwiSaver to the Kernel KiwiSaver Plan using the online platform.
  • In addition to its Cash Plus fund, Kernel also offers savings accounts, with a savings product. The current interest rate and terms of access is found here. Investor money is held by Kernel as the registered custodian with a registered New Zealand bank. There are no fees - the interest rate you're paid is what you receive (less tax).

Kernel Wealth Review

Who is Kernel Suited to?

Best For:
  • Kernel accepts individual, joint, kids, company and trust accounts.
  • Short-term investors looking for savings account or fund options to generate a return within 0-3 years.
  • Medium – term investors looking to invest their portfolio is a balanced portfolio (The Kernel Balanced Fund offers an asset allocation of 60% shares, 40% cash and bonds).
  • Long-term focused investors looking for stability and growth that is passive with low management fees. With 25 funds to choose from, the funds appeal to those looking for high growth, moderate and/or thematic investments.
  • Investors looking for index funds without a sector preference. Both the NZ 20 and NZ Small & Mid Cap Opportunities invest in 20 and 35+ New Zealand companies, respectively. These range from A2 Milk to Fisher & Paykel Healthcare and Fletcher Building, meaning there is no over-exposure to one industry. The S&P 500 fund offers global exposure, while aggressive investors may want to consider the High Growth Fund.
  • Ethical investors - Kernel's funds have some of the lowest ESG fees in the market, with exposure to the NZX if a local investment is preferred. Kernel has also worked closely with S&P to launch some of NZ’s first ESG focused indices, including the NZX 50 Portfolio ESG Tilted Index.
  • Ultimately, with any Kernel fund, investments anticipate New Zealand, overseas and sector-specific markets rising over time while being diversified enough to avoid losing money if one or two shares flounder. In saying this, Kernel offers a few specific-sector funds, including the the NZ Commercial Property fund, Global Green Property fund, Global Infrastructure Fund (plus a hedged version) and more.

Not suitable for:
  • ​Investors looking to make individual investments in specific companies, or investors seeking short-term buying and selling. Index funds are not 'trading' products by nature.

Standout Features:
  • Some of New Zealand’s lowest management fees, fixed at 0.25% p.a. (core funds), and 0.40% to 0.50% (bond funds) beating many funds from InvestNow and Smart (previously known as Smart), and only rivaled by Simplicity.
  • Kernel exclusively offers investments in the NZX 20 index, which has outperformed the NZX 10 and NZX 50 index over the last ten years. While this is no indication of future performance, it does suggest Kernel is looking beyond traditional funds and launching opportunities that other investment companies don’t offer.
  • Kernel’s NZ Small & Mid Cap Opportunities fund is the only index fund to invest outside of the top 50 largest NZ listed companies.
  • The NZ 50 ESG Tilted fund has an annual fee of 0.25% which makes it one of the cheapest ethical funds available.
  • Tax-efficient exposure to global markets is standard with Kernel. Kernel is one of the only index fund providers in New Zealand that doesn’t suffer from material tax leakage on international investments, which could benefit investors by up to 0.50% p.a. depending on the fund.
  • Kernel’s High Growth Fund, offers a 98%+ allocation to equities, and is one of the few in the market to do so and with the lowest fees.
  • Overall, there are 25 funds to invest in, and each offer a unique sector, theme or market focus. Most investors, we understand, invest in more than one fund to diversify their holding.
  • The minimum investment is $1 and there are no monthly platform fees for any investors.
  • Investors can use Kernel Save and/or the Kernel KiwiSaver plan with no monthly platform fee.
  • There’s no joining fee, meaning every dollar you invest goes directly to your Kernel fund(s). 
  • There are no transaction fees, meaning you don’t get charged every time you buy and sell units in a fund.

Want to know how to trade or invest in the NZX? Our NZX in a Nutshell guide explains what you need to know.
Learn more or join Kernel

Kernel Wealth Review

The Competition – Kernel vs Smart, InvestNow and Sharesies

InvestNow, Sharesies and Smart are just some of the options for index fund investing and Kernel appears to offer some of the lowest management fees for investments of any amount, only challenged by Simplicity.

Simplicity's 0.10% p.a. Management Fee Alternative - NZ Share or Bonds Fund
  1. Simplicity offers four index-based funds, but it’s the NZ Share fund and NZ Bond fund which provides similar investments for a cheaper price.
  2. The share fund, for example, invests in the top 39 New Zealand companies, charging a super low 0.10% p.a. management fee.
  3. However, the minimum investment in Simplicity’s NZ Share fund is $1,000. If you’re looking for an NZ-orientated index fund and have $1,000 to invest, the NZ Share fund may be of interest.
  4. Other funds offered by InvestNow and Smart are also worth considering as all platforms, alongside Kernel, have a commitment to low-fees.
  5. Smart ETFs are Listed PIEs, not Multi-Rate PIEs. This means they are taxed at a flat 28%, not at your PIR rate. This makes them unsuitable for lower tax rate investors, especially kids. Our review of Kernel vs Smart has further insights.

Kernel Wealth Review

What Others Are Saying

The below articles are more public relations-focused than a critical review, but we have included them to introduce the team behind Kernel and what their intentions are. Recent articles, TV and radio appearances include Newshub, Stuff and Interest.co.nz.
The Bottom Line
  • We believe Kernel is most suitable for short-term investors looking for a better return than what they can achieve on a savings account – thanks to their new Cash Plus fund and Smart Saver savings account.
  • Kernel is also most suitable for serious, long-term investors with any amount to invest.
  • There's diversity with 25 funds, and Kernel continues to innovate with new fund launches, recently launching (in 2023) the Kernel Global ESG Fund, Global ESG (NZD Hedged) Fund, NZ Bond Fund, 2027 NZ Bond Fund, March 2029 NZ Bond Fund and US Bond Fund, and then the Kernel Emerging Markets Fund and Kernel S&P 500 (Unhedged) Fund in November 2024.
  • Amongst its peers, strong alternatives exist. InvestNow, for example, offers a greater range of funds, and no monthly membership fee. However, Kernel funds are exclusive to the Kernel platform (and selected financial advisors).
  • Kernel may not appeal to everyone - if you’re fresh into investing and want diversity, Kernel arguably lacks options when compared to InvestNow, Sharesies or Smart.
  • However, Kernel offers low-cost index funds with a focus on innovation and long-term returns. The funds are explained in detail so that potential investors know exactly what they are investing in. Because they are index funds, they follow their investment mandate and won’t deviate in.
Limitations
  • You can opt to have dividends your fund(s) receive reinvested, meaning more cash is invested on your behalf If you are an active saver/investor and want a fund manager to continuously pick shares, Kernel doesn’t offer that type of investment option.
Learn more or join Kernel

Kernel Wealth Review

10 Things to Know About Kernel

Kernel Wealth Review

​You don’t need to buy Kernel funds directly; they partner with a few financial advisers who can offer advice

If you prefer to talk to someone about an making investment, we suggest getting in touch with Kernel to find an adviser in your area. Currently there is no published list of advisers who offer Kernel products.​
Kernel Wealth Review

Kernel offers New Zealand, overseas and sector-specific investment diversification

An investment in one any of the Kernel funds goes into a number of companies, so if one doesn’t perform as expected, the strength of other companies will balance out low-performing investments. For example, the NZ 20 fund invests in the twenty largest New Zealand listed companies, so you are well-diversified relative to a ‘top 10’ NZX fund.​

Our View: The Kernel KiwiSaver is suitable for short, medium and long-term investors. Offering well-diversified funds including the High Growth, Cash Plus and Balanced Funds, investors can pick between these three or opt to construct their own portfolio from a mix of the other Kernel funds.
Kernel Wealth Review

Kernel’s funds are PIE funds

Kernel’s investment funds are PIE funds (like KiwiSaver funds). This means any investor will pay income tax according to their Prescribed Investor Rate (which is either 10.5%, 17.5% or 28%).​ That can add up over time, especially when investing for kids. Kernel offers a high-interest saving account.
Kernel Wealth Review

You can make automatic contributions

If you wish to make regular investments to achieve saving goals, Kernel offers this functionality.​ You can read more about regular investing here.
Kernel Wealth Review

The composition and performance of Kernel funds are 100% transparent

Kernel exhaustively lists what investments comprise each fund, as well as the percentage weightings. Kernel also reports return on investments in plain English, with data ranging from 3 months to five years.​
Kernel Wealth Review

You can opt to have dividends your fund(s) receive reinvested, meaning more cash is invested on your behalf

Many of the investments held in Kernel funds pay regular dividends. These cash payments represent the profits from companies returning it to the shareholders, i.e. you. When you create a Kernel account, you will be asked to select whether you want distributions from your investment funds to be automatically reinvested or paid out as cash to your wallet.
Kernel Wealth 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 a 15-year period. 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 Wealth Review

​Kernel is a challenger personal finance platform - and there are many out there

​Investors can find an array of index funds via other platforms such as InvestNow, Sharesies and Smart, and even Simplicity’s investment funds. The fees vary, but Kernel arguably charges on the lower-end for annual management fees and has a greater emphasis on long-term wealth building.
Kernel Wealth Review

Kernel is a digital servivce

This is consistent with the likes of Sharesies and InvestNow, which exclusively offer email only and/or online chat. Although Kernel is also available on 0800, and they are very welcoming of investor queries. Kernel doesn’t offer financial advice, so they will be unable to assist you in guiding you to which fund is most appropriate for your needs.
Kernel Wealth Review

Signing up isn't complicated, and you can deposit money into a Kernel ‘wallet’ until you’re ready to save or invest

Once your account is approved, you can select the fund or funds you want to invest in and confirm the contribution you’d like to make. To register for a Kernel account, you’ll need your IRD number, NZ drivers license or passport and bank account details.

Looking to switch your KiwiSaver to Kernel?
  • Transferring your KiwiSaver balance to Kernel is easy, and takes 2 minutes.
  • Once you have set up and verified your account, you can select to transfer your KiwiSaver balance over to Kernel, in one click.

Kernel Wealth Review

Our Conclusion

  • We like Kernel’s intentions to charge below-market management fees and $0 platform fees. They don't charge transaction or foreign exchange fees, and are one of the most tax efficient fund managers in New Zealand. This makes them arguably the lowest total cost investment solutions.
  • Kernel offers 25 local, international, thematic and sector-specifc funds. As more funds are added, the options for investors will grow.
Learn more or join Kernel

Related guides
  • Active vs Passive Investing
  • Smart Review
  • Kernel vs Smart
  • Simplicity Investment Funds Review
  • Index Funds
  • ​Investing in US Shares from New Zealand
  • Sharesies vs Hatch vs Stake
  • Ethical Investing
  • InvestNow Review​
  • Low-Cost US Shares and ETF Investing: Superhero Review and Tiger Brokers Review
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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        • Qantas Credit Cards
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        • RewardPay Review
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
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    • Alternative Mortgage Options
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      • Lifetime Home Review
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      • 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
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      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • Trusted Mortgage Brokers in Wellington
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      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
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      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
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    • Selling a Home
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      • Bridging Finance
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    • Building a House
      • NZCB Review
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      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
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      • KiwiSaver Must-Know Facts
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      • What's My PIR?
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        • MAS Review
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      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
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    • Business Insurance
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    • Business Calculators & Resources
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    • For Startups
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  • MSD
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    • Food Grants Guide
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  • Motoring
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      • Top Cars that Hold Their Value
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
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      • 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
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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      • State Travel Insurance Review
    • Essential Information
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      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
    • Spark Mobile Review
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    • One NZ Mobile Review
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    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • Electric Kiwi Broadband Review
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      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Financial Coaches
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
      • SortMe Review
    • Repaying Debt
      • Debt Help
      • Debt Repayment Apps
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
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