FAQs

Getting Started

• Do you have an app?
• How to change your password
• What do I need to get started?
• How do I verify my address?
• Help! My verification failed. What now?
• Who can open an account?

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Investing

• Is your portfolio down in the first week?
• How risky is an index fund?
• Why we don't trade & update unit prices daily
• What is hedging and why we don’t hedge our international funds
• What is a PIE Fund?
• How should I choose my investments?

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Kids accounts

• Can I open a Kernel account for a child?
• How do I open a kids account?
• What identification do I need to open a kids account?
• Can I create more than one kids account i.e. one for each of my children?
• How much do I need to start investing and what does a kids account cost?

Auto-Invest

• What is Auto-invest?
• The finer details of Auto-invest
• How do I set up Auto-invest?

Fees

• How much does it cost?
• How do the membership fees work?
• Are there transaction fees?

Kernel Wallet

• Why is my wallet balance negative?
• What is the Kernel wallet?
• Are there any fees on my Wallet?
• Can I withdraw from my wallet at any time?

Fund Distributions

• What are distributions?
• Can I reinvest distributions?
• Do Kernel funds pay distributions?
• What's the difference between a dividend and distribution?
• What is dividend reinvestment?

Tax

• What tax will I pay - for the Global Funds
• When will I pay tax?
• What tax details do I need to provide?
• What is a Prescribed Investor Rate (PIR)?
• How can I change my PIR?
• What tax will I pay - for the NZ Funds

Security, Legal & Other Stuff

• Terms and Conditions for Kernel Book Giveaway - September 2021
• Do we offer 2FA (Two Factor Authentication)?
• How safe is my investment?
• Fund Performance Disclaimer
• Future You calculator disclaimer
• What happens if Kernel closes?

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