Kernel is an index fund manager and investment platform, with financial products including the Kernel KiwiSaver Plan, a range of 19 index funds and a high-interest savings account.We enable everyday Kiwis to build a low-cost, well diversified portfolio over the short, medium and long-term, in order to achieve their financial goals.

We’re passionate about creating a world where all Kiwis are wealthier, more financially literate, and good savings and investing behaviour is embedded for future generations.