Everything on this page is taken from Kernel's own published pages. Nobody there has reviewed or supplied it, and we are not them.
We hold figures for 2 of their products, each with the date it was read. If one is out of date, the page it came from is linked beside it.
Products we track
KiwiSaver schemes
1 productKernel KiwiSaver Plan
$0 a year · 0.25%
Member fee$0 a yearFund charge0.25%Funds3
Conditions
- Kernel's pricing page at https://kernelwealth.co.nz/pricing lists the KiwiSaver member fee as $0.
3 funds in this scheme
High GrowthFund charge0.25%Performance feeNot published
Balanced FundFund charge0.25%Performance feeNot published
Cash Plus FundFund charge0.25%Performance feeNot published
Checked 17 September 2026
SourceInvestment platforms
1 productKernel
Free on the Core plan. The Plus plan is $5 NZD a month or $50 NZD a year; the Premium plan is $15 NZD a month or $150 NZD a year. · 1.50% on the Core plan, 0.60% on the Plus plan, and 0.40% on the Premium plan.
Account feeFree on the Core plan. The Plus plan is $5 NZD a month or $50 NZD a year; the Premium plan is $15 NZD a month or $150 NZD a year.NZ brokerageNot offeredUS brokerage$0 brokerage fee on US shares and ETFs. The cost of a US trade is the FX fee below, not a brokerage fee.FX fee1.50% on the Core plan, 0.60% on the Plus plan, and 0.40% on the Premium plan.Custody feeFund management fee of 0.25-0.50% p.a. on the investment balance (Core funds 0.25-0.30%, specialty index funds 0.45%, actively managed funds 0.25-0.50%). This is a fund charge, not a platform custody fee; the platform membership fee is separate.SourceAccessFunds (25+ index funds), the Kernel KiwiSaver Plan, Kernel Save and Kernel PIE Save, and US shares and ETFs. No NZ-listed or Australian-listed shares. Conditions
- Kernel's US section publishes a $0 brokerage fee and a per-plan FX fee; the FX fee, not the brokerage, is the cost of a US trade.
- The FX fee is tiered by membership: 1.50% on the free Core plan, 0.60% on Plus, and 0.40% on Premium.
- The 0.25-0.50% p.a. management fee is charged on the investment balance inside the fund, and is shown separately from the $0 transaction fee.
- Kernel offers no NZ-listed or Australian-listed shares, so the NZ brokerage column reads Not offered.
Checked 18 September 2026
SourceSourceEvery figure on this page was read from Kernel's own published pages. We are not Kernel and this page is not theirs.