Kernel Wealth

Positive

Established 2019 · 26 funds

Best 5yr

0.0% pa

Fees from

0.00% pa

Sentiment

86/100

AUM

$0.7B

View Funds Compare Talk to an Adviser

Community Sentiment

Kernel Wealth enjoys strong community sentiment among New Zealand investors, particularly for its low-fee index fund approach and solid performance returns. Users consistently praise the platform's simplicity, customizable fund options, and transparent engagement from leadership. While some concerns exist around the pricing of newer products like the Total World Fund and occasional tax calculation surprises, the overall community view is decidedly positive, with many actively recommending the provider to others seeking affordable, passive investment strategies.

Investors appreciate Kernel's low management fees and index-based approach as a superior alternative to traditional high-fee managed funds
Users report strong historical returns and appreciate the simplicity of passive index investing through Kernel's platform
The platform allows flexible fund selection and customization, enabling investors to build diversified portfolios tailored to their risk tolerance
Kernel's founders actively engage with the community on Reddit to address questions and concerns, building trust and transparency
New subscription-based products like Total World Fund are viewed as expensive relative to competitors, particularly InvestNow's lower-cost alternatives

Sentiment Overview

Score: 86/100

Based on social media, reviews, and news mentions

Example Fund

Kernel High Growth

5yr: %Fees: 0.25%

Kernel is a modern index fund manager offering low-cost KiwiSaver funds that track market indices. Known for transparency and digital-first approach.

Contact Details

Website: https://kernelwealth.co.nz

Fund Name	Type	1yr	3yr	5yr	Fees
Kernel High Growth	aggressive	15.2%	19.2%	—	0.25%
Kernel Australia 100 Fund	australasian_shares	—	—	—	0.00%
Kernel NZ 20	australasian_shares	0.9%	5.8%	—	0.25%
Kernel NZ 50 ESG Tilted	australasian_shares	10.1%	8.4%	—	0.25%
Kernel NZ Small & Mid Cap Opps	australasian_shares	20.7%	9.8%	—	0.25%
Kernel Balanced Fund	balanced	11.0%	13.9%	—	0.25%
Kernel Cash Plus Fund	cash	4.1%	5.5%	—	0.25%
Kernel NZ Bond Fund	fixed_interest	6.7%	—	—	0.30%
Kernel US Bond Fund	fixed_interest	5.7%	—	—	0.30%
Kernel High Growth Fund	growth	—	—	—	0.25%
Kernel Global ESG	international_shares	18.7%	—	—	0.25%
Kernel Global Infrastructure	international_shares	11.9%	13.9%	—	0.25%
Kernel S&P Global 100	international_shares	24.2%	31.7%	—	0.25%
Kernel S&P Global Clean Energy	international_shares	59.9%	4.0%	—	0.45%
Kernel S&P Global Div Arstcrts	international_shares	14.2%	15.3%	—	0.25%
Kernel World Ex-US Fund	international_shares	—	—	—	0.00%
Kernel Emerging Markets Fund	miscellaneous	21.5%	—	—	0.45%
Kernel Global ESG NZD Hedged	miscellaneous	18.5%	—	—	0.25%
Kernel Global Infras NZD Hdg	miscellaneous	10.1%	9.5%	—	0.25%
Kernel S&P Global 100 NZD Hdg	miscellaneous	24.3%	26.4%	—	0.25%
Kernel World Ex-US NZD H Fund	miscellaneous	—	—	—	0.00%
Kernel Conservative Fund	moderate	—	—	—	0.00%
Kernel Global Property NZD Hdg	property	7.3%	7.8%	—	0.25%
Kernel NZ Commercial Property	property	14.3%	5.8%	—	0.25%
Kernel S&P 500 NZD Hedged	us_equities	15.7%	21.5%	—	0.25%
Kernel S&P 500 (unhedged) Fd	us_equities	14.5%	—	—	0.25%