u/Aggressive_Pop1678

I’m thinking of moving my KiwiSaver from Milford to Kernel.

I know that with Kernel, I can choose more than two funds and allocate the percentage however I prefer. I was just wondering, once I’ve set it up, can I still make changes later — for example, remove or add funds and change the weighting?

Hi,

I'm interested in Emerging Market Funds and currently comparing the ones from Smart Invest and Kernel.

Kernel looks simpler and more modern, while Smart Invest seems more established.

For long-term investing in NZ, which one would you choose and why?