Simplicity vs Kernel
Head-to-head comparison of fees, returns, and fund options
Quick Comparison
| Metric | Simplicity | Kernel | Winner |
|---|---|---|---|
| Average 5Y Return | 2.44% | 0.00% | Simplicity |
| Average Fees | 0.25% | 0.28% | Simplicity |
| Number of Funds | 6 | 15 | Kernel |
| Total Members | 141,036 | 10,292 | Simplicity |
| Total AUM | $5281M | $364M | Simplicity |
Top Performing Funds
Simplicity Top Fund
Growth Fund
5Y Return:7.56%
Fees:0.25%
Frequently Asked Questions
Which is better, Simplicity or Kernel?
Simplicity has higher average returns (2.44% vs 0.00%), while Simplicity has lower fees (0.25% vs 0.28%). The best choice depends on your investment goals, time horizon, and risk tolerance.
Can I switch between Simplicity and Kernel?
Yes! Switching KiwiSaver providers is free and easy. Simply apply with your chosen provider online, and they'll handle the transfer. The process takes 2-3 weeks, and there are no fees or penalties.
How were these comparisons calculated?
All data is sourced from the Financial Markets Authority (FMA) and provider disclosure statements. Returns are 5-year averages, fees are annual management fees as percentages of assets under management. Data is updated quarterly.