{
  "@context": "https://fundcompare.co.nz/api/schema/provider.v1",
  "url": "https://fundcompare.co.nz/providers/kernel",
  "name": "KERNEL WEALTH LIMITED",
  "short_name": "Kernel",
  "scheme": "KERNEL KIWISAVER PLAN",
  "website": "kernelwealth.co.nz",
  "description": "Kernel delivers KiwiSaver and investment funds with innovative solutions for long-term growth.",
  "fund_count": 15,
  "total_aum_nzd": 784463635.0500001,
  "total_members": 15370,
  "fund_summaries": [
    {
      "fund_name": "Kernel S&P Global Dividend Aristocrats Fund",
      "fund_type": "Aggressive",
      "fees_one_year_pct": 0.25,
      "five_year_average_return_pct": null,
      "risk_indicator": 5,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-s-p-global-dividend-aristocrats-fund"
    },
    {
      "fund_name": "Kernel High Growth Fund",
      "fund_type": "Aggressive",
      "fees_one_year_pct": 0.25,
      "five_year_average_return_pct": null,
      "risk_indicator": 5,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-high-growth-fund"
    },
    {
      "fund_name": "Kernel S&P Global Clean Energy Fund",
      "fund_type": "Aggressive",
      "fees_one_year_pct": 0.45,
      "five_year_average_return_pct": null,
      "risk_indicator": 7,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-s-p-global-clean-energy-fund"
    },
    {
      "fund_name": "Kernel Nz Small & Mid Cap Opportunities Fund",
      "fund_type": "Aggressive",
      "fees_one_year_pct": 0.25,
      "five_year_average_return_pct": null,
      "risk_indicator": 5,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-nz-small-mid-cap-opportunities-fund"
    },
    {
      "fund_name": "Kernel S&P 500 (Unhedged) Fund",
      "fund_type": "Aggressive",
      "fees_one_year_pct": 0.25,
      "five_year_average_return_pct": null,
      "risk_indicator": 6,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-s-p-500-unhedged-fund"
    },
    {
      "fund_name": "Kernel S&P 500 (Nzd Hedged) Fund",
      "fund_type": "Aggressive",
      "fees_one_year_pct": 0.25,
      "five_year_average_return_pct": null,
      "risk_indicator": 6,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-s-p-500-nzd-hedged-fund"
    },
    {
      "fund_name": "Kernel Nz 20 Fund",
      "fund_type": "Aggressive",
      "fees_one_year_pct": 0.25,
      "five_year_average_return_pct": null,
      "risk_indicator": 5,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-nz-20-fund"
    },
    {
      "fund_name": "Kernel Us Bond Fund",
      "fund_type": "Defensive",
      "fees_one_year_pct": 0.3,
      "five_year_average_return_pct": null,
      "risk_indicator": 4,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-us-bond-fund"
    },
    {
      "fund_name": "Kernel Nz 50 Esg Tilted Fund",
      "fund_type": "Aggressive",
      "fees_one_year_pct": 0.25,
      "five_year_average_return_pct": null,
      "risk_indicator": 5,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-nz-50-esg-tilted-fund"
    },
    {
      "fund_name": "Kernel Nz Commercial Property Fund",
      "fund_type": "Aggressive",
      "fees_one_year_pct": 0.25,
      "five_year_average_return_pct": null,
      "risk_indicator": 5,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-nz-commercial-property-fund"
    },
    {
      "fund_name": "Kernel Nz Bond Fund",
      "fund_type": "Defensive",
      "fees_one_year_pct": 0.4,
      "five_year_average_return_pct": null,
      "risk_indicator": 3,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-nz-bond-fund"
    },
    {
      "fund_name": "Kernel Global Esg (Nzd Hedged) Fund",
      "fund_type": "Aggressive",
      "fees_one_year_pct": 0.25,
      "five_year_average_return_pct": null,
      "risk_indicator": 6,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-global-esg-nzd-hedged-fund"
    },
    {
      "fund_name": "Kernel Balanced Fund",
      "fund_type": "Balanced",
      "fees_one_year_pct": 0.25,
      "five_year_average_return_pct": null,
      "risk_indicator": 4,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-balanced-fund"
    },
    {
      "fund_name": "Kernel Global Property (Nzd Hedged) Fund",
      "fund_type": "Aggressive",
      "fees_one_year_pct": 0.25,
      "five_year_average_return_pct": null,
      "risk_indicator": 6,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-global-property-nzd-hedged-fund"
    },
    {
      "fund_name": "Kernel Cash Plus Fund",
      "fund_type": "Defensive",
      "fees_one_year_pct": 0.25,
      "five_year_average_return_pct": null,
      "risk_indicator": 1,
      "url": "https://fundcompare.co.nz/funds/kernel/kernel-cash-plus-fund"
    }
  ],
  "sources": [
    "FMA Disclose register — https://disclose-register.companiesoffice.govt.nz/",
    "IRD KiwiSaver — https://www.ird.govt.nz/kiwisaver",
    "Sorted Fund Finder — https://fundfinder.sorted.org.nz/"
  ],
  "last_reviewed": "2026-06-16",
  "disclaimer": "This is an informational summary published by FundCompare NZ (https://fundcompare.co.nz) using publicly available data from the FMA Disclose register, IRD KiwiSaver, and Sorted Fund Finder. It does not constitute financial advice. FundCompare NZ is not a licensed Financial Advice Provider. Past performance is not indicative of future results — read each scheme's Product Disclosure Statement and consult a licensed financial adviser before making any decision. KiwiSaver® is a registered trademark of Inland Revenue."
}