Kernel
Kernel is a New Zealand fintech offering low-fee, index-based KiwiSaver funds and other investment options, focused on making investing simple, transparent and affordable for all New Zealanders.
KiwiSaver4
See all KiwiSaver funds →| Fund | Type | Risk | Fee/yr on $50k | 1yr return | |
|---|---|---|---|---|---|
| Kernel Balanced | Balanced | 4/7 | $125 | 12.80% | Details → |
| Kernel Cash Plus | Cash | 1/7 | $125 | 3.87% | Details → |
| Kernel Conservative | Conservative | 2/7 | $125 | — | Details → |
| Kernel High Growth | Aggressive | 7/7 | $125 | — | Details → |
Frequently asked questions
What financial products does Kernel offer?
Kernel offers KiwiSaver in New Zealand. They have 4 active products available for comparison on RatePal.
Does Kernel offer term deposits?
Kernel does not currently have term deposit products listed on RatePal. Check their website for the latest offerings.
How do I apply for a product with Kernel?
You can apply directly through Kernel's website at https://kernelwealth.co.nz/. RatePal provides comparison information only — click "Apply now" on any product to go to the provider's official application page.
Rates shown are indicative and subject to change. Always confirm current rates and terms directly with Kernel before applying. Last updated: 5/04/2026.