Global Growth + Bitcoin Tilt - KiwiSaver Solution

A high-growth KiwiSaver portfolio managed via the KiwiWRAP KiwiSaver Scheme that combines global equity market exposure with a meaningful 30% allocation to Bitcoin via a regulated ETF. Designed for investors with strong conviction in digital assets, delivered within a compliant, tax-efficient KiwiSaver framework.

Portfolio Overview

  • 68% Kernel High Growth Fund – globally diversified, low-cost index exposure.

  • 30% iShares Bitcoin Trust (IBIT) – direct Bitcoin exposure via the world’s largest Bitcoin ETF.

  • 2% Cash – liquidity buffer for fees and tax

  • Total expense ratio: 1.08% p.a. (inclusive of fund, platform, and advice fees, after tax deductibility adjustments)

Key Features

  • First-of-its-kind Bitcoin allocation within KiwiSaver

  • Global diversification alongside a 30% Bitcoin tilt

  • Adviser-led, open-architecture structure (KiwiWRAP)

  • Annual Bitcoin allocation review for ongoing suitability

  • Contributions allocated quarterly into Kernel High Growth

Investor Suitability

This portfolio is not suitable for most KiwiSaver members. It is intended only for investors who:

  • Have a high tolerance for risk and accept large fluctuations in value

  • Understand and accept the possibility of total permanent capital loss in the Bitcoin allocation

  • Hold a minimum $100,000 KiwiSaver balance

  • Have a long-term horizon (5–10+ years)

  • Want to express a high-conviction view on Bitcoin within a regulated KiwiSaver framework

Risk Indicator: 6 out of 7 (as at 30/06/2025).

Contribution Policy

  • All new contributions (employer, employee, voluntary) invested quarterly into Kernel High Growth

  • Annual review of Bitcoin exposure, with IBIT purchases where appropriate

Risks

  • High volatility: Bitcoin prices can rise or fall rapidly

  • Correlation risk: Historically, Bitcoin has often moved in line with growth equities

  • Unproven diversification benefits: Bitcoin may not provide protection during market stress

  • Regulatory & thematic risk: Changes in digital asset regulation may impact access or value

The Process

  • Complete our quick KiwiSaver Discovery Quiz.

  • Adam will contact you to discuss suitability and answer any questions you may have.

  • If suitable we will implement this strategy for you. You will have 24/7 online acess to view your investment. Transfers from your existing scheme typically take 10 working days.

Underlying Managers

Global Growth + Bitcoin Tilt FAQs

  • Please refer to the specific fund fact sheets at the websites below:

    Kernel High Growth

    Ishares Bitcoin Trust ETF

  • At Compound Wealth, we specialise in bespoke KiwiSaver advice and investment planning that leverages international research and proven strategies. Based in Mount Maunganui, Bay of Plenty, we work with clients across New Zealand to design approaches that grow and protect wealth with confidence. We now look after over $130m and have been operating since 2017.

  • Total expense ratio: 1.08% p.a. (inclusive of fund, platform, and advice fees, after tax deductibility adjustments)

    These fees include fund management, platform, custodial, and our advisory fees, after tax deductions. We will provide a full breakdown of these fees when we issue your statement of advice.

  • Each year, you will receive five reports provided by Consilium as the Manager of the KiwiWRAP KiwiSaver Scheme. These include four personalised quarterly reports and an annual member statement.

  • Yes. The KiwiWRAP KiwiSaver Scheme accepts direct transfers of superannuation from complying Australian superannuation schemes. The KiwiWRAP KiwiSaver Scheme will record the details of how much was transferred from the Australian scheme, as these funds cannot be used for any withdrawals, unless allowed under the KiwiSaver Rules. For more details, see the Transfer Australian Superannuation form under Documents on the KiwiWRAP website.

  • The minimum $100,000 balance is only an initial requirement for Compound Wealth. After a Member has joined the Scheme, the $100,000 balance does not need to be maintained and can drop below.

Investing for your tomorrow