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Provider Comparison
Kernel vs Simplicity KiwiSaver
Two of New Zealand's lowest-cost KiwiSaver providers go head to head. Both offer passive index strategies — but with key differences.
Key Differences
- Kernel offers a wider range of thematic and sector-specific index funds
- Both providers charge very low fees (under 0.30% pa for most funds)
- Simplicity includes life insurance in their fees for eligible members
- Kernel's platform is digital-first with strong app and portfolio tools
Our Take
If you want maximum customisation with low fees, Kernel wins. For simplicity and included insurance, Simplicity is hard to beat.
Compare funds side by side
Use the Wealth Watch comparison tool to select specific funds from each provider and compare fees, returns, and risk.
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