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How are kids accounts structured?
How are kids accounts structured?
Lovelyn avatar
Written by Lovelyn
Updated over a week ago

Kernel kids accounts are structured slightly differently from the other accounts we offer. They are completely separate accounts from other accounts and will require their own unique email address and password.

A kid's account can be set up by a child's parent or legal guardian. The child must be under 18 years old.

The account will be in the child's name, however, because the child can't buy and sell units in funds until they are 18 years old, the parent or legal guardian is also required to be attached to the account as a transactional authority to invest on behalf of the child.


The diagram above demonstrates how a kid's account is structured. The account has two member profiles within it. One is for the child with all their information inside it. The other is for the parent, with all their information inside it.


When we provide a login for you, the login is given for the parent's member section. Meaning that when you log in under the 'Account details' you should see your child's name under 'Account name'

Under 'Personal details' everything should then be your details and not the child. The IRD number section should be left blank as we don't need your IRD number. The details at the bottom however will still be your child's (PIR Rate, RWT, receiving dividends).

If you think anything is incorrect or you have any questions, please contact us through email at

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