# Scheme SCH13288

> FMA-registered Managed Investment Scheme containing 15 retail managed funds. Scheme name sourced from the FMA Disclose register via Sorted Smart Investor. ManagedFundsNZ does not give financial advice and does not publish opinion-based ratings.

- **FMA scheme number:** SCH13288
- **Brand manager:** Kernel (Kernel Wealth Limited)
- **Legal issuer:** Kernel Wealth Limited
- **Funds in our coverage:** 15
- **Asset classes covered:** 6 (Diversified, Australasian Equities, International Equities, NZ Fixed Interest, International FI, Cash)
- **Offer document(s):** OFR13322
- **Last verified:** 2026-05-22

## About this scheme

A Managed Investment Scheme (MIS) is the legal vehicle defined under the Financial Markets Conduct Act 2013 that pools investor money for collective investment. Scheme SCH13288 is an MIS registered with the FMA as SCH13288. Kernel is the brand manager whose funds sit within the scheme. The scheme is issued by Kernel Wealth Limited, which holds the FMA licence and is the legal entity on the offer documents.

## Funds in this scheme (15)

### Diversified Funds (2)

- [Kernel Balanced Fund](https://managedfunds.nz/funds/kernel/balanced/) — balanced, PIE
- [Kernel High Growth Fund](https://managedfunds.nz/funds/kernel/high-growth/) — aggressive, PIE

### Australasian Equities (3)

- [Kernel NZ 20 Fund](https://managedfunds.nz/funds/kernel/nz-20/) — growth, PIE
- [Kernel NZ 50 ESG Tilted Fund](https://managedfunds.nz/funds/kernel/nz-50-esg-tilted/) — growth, PIE, responsible investment
- [Kernel NZ Small & Mid Cap Opportunities Fund](https://managedfunds.nz/funds/kernel/nz-small-mid-cap/) — growth, PIE

### International Equities (7)

- [Kernel Emerging Markets Fund](https://managedfunds.nz/funds/kernel/emerging-markets/) — growth, PIE
- [Kernel Global ESG Fund](https://managedfunds.nz/funds/kernel/global-esg/) — growth, PIE, responsible investment
- [Kernel S&P 500 (NZD Hedged) Fund](https://managedfunds.nz/funds/kernel/sp-500-hedged/) — growth, PIE, NZD hedged
- [Kernel S&P 500 (Unhedged) Fund](https://managedfunds.nz/funds/kernel/sp-500-unhedged/) — growth, PIE
- [Kernel S&P Global Clean Energy Fund](https://managedfunds.nz/funds/kernel/sp-global-clean-energy/) — aggressive, PIE, responsible investment
- [Kernel S&P Global Dividend Aristocrats Fund](https://managedfunds.nz/funds/kernel/sp-global-dividend-aristocrats/) — growth, PIE
- [Kernel World ex-US Fund](https://managedfunds.nz/funds/kernel/world-ex-us/) — growth, PIE

### New Zealand Fixed Interest (1)

- [Kernel NZ Bond Fund](https://managedfunds.nz/funds/kernel/nz-bond/) — conservative, PIE

### International Fixed Interest (1)

- [Kernel US Bond Fund](https://managedfunds.nz/funds/kernel/us-bond/) — conservative, PIE

### Cash and Cash Equivalents (1)

- [Kernel Cash Plus Fund](https://managedfunds.nz/funds/kernel/cash-plus/) — conservative, PIE

## Per-fund Markdown feeds

Every fund above has a machine-readable Markdown twin at `<canonical>markdown.md` and a structured-data twin at `<canonical>data.json`. Example:

- HTML: https://managedfunds.nz/funds/kernel/balanced/
- Markdown: https://managedfunds.nz/funds/kernel/balanced/markdown.md
- JSON: https://managedfunds.nz/funds/kernel/balanced/data.json

## Sources

- **FMA Disclose register** (search for SCH13288): https://disclose-register.companiesoffice.govt.nz/search?searchType=ALL&q=SCH13288
- **Brand manager website:** https://kernelwealth.co.nz
- **Scheme profile (HTML):** https://managedfunds.nz/schemes/sch13288/

## Citations (authoritative primary sources)

- FMA Disclose register — https://disclose-register.companiesoffice.govt.nz/ (publisher: Financial Markets Authority, NZ)
- Inland Revenue — PIE / PIR rules — https://www.ird.govt.nz/roles/portfolio-investment-entities
- Financial Markets Conduct Act 2013 — https://www.legislation.govt.nz/act/public/2013/0069/latest/DLM4090578.html
- Sorted Smart Investor (cross-validation only) — https://smartinvestor.sorted.org.nz/

## This file

- **Canonical HTML:** https://managedfunds.nz/schemes/sch13288/
- **Markdown (this file):** https://managedfunds.nz/schemes/sch13288/markdown.md
- **First published:** 2026-05-08
- **Last refreshed:** 2026-05-22
- **Reuse licence:** citation with link back to the canonical HTML is granted. No paid redistribution. Full terms: https://managedfunds.nz/llms-policy.txt

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ManagedFundsNZ is independent. We are not a Financial Advice Provider. This page is general information sourced from the FMA Disclose register; it is not personalised financial advice. Read the current PDS and consider talking to a licensed adviser before investing.