The New Zealand government invests through the NZ Super Fund to ensure it can maintain Superannuation payments over the long term. By using a growth style fund consisting of 80% growth assets, and 20% income assets, they aim to grow a pot of money as large as they can to assist with the governments future obligations. Despite debates about eligibility age of government super, income-testing, contribution pauses, and investment strategies, the NZ Super Fund has been performing well since inception, and so I wanted to learn more. I also wanted to know if they would be the first sovereign wealth fund to acquire Bitcoin.Learn more about the NZ Super Fund______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets<a...

Today I’m talking with Scott O’Neill and Dylan Menzies from Rethink Investing. Direct commercial property isn’t a common asset type in many everyday investors portfolio, but for a few reasons as we covered today, I think perhaps it will be in the future. Learn moreBook in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Sign up to the newsletter!______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Get SocialYouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not

When you're trading money for investments, there are many factors that determine the level of resource you'll be able to draw out. The value of your currency right now, and later on, is one of the biggies. Today, I have Roger Kerr from Barrington Treasury with me to discuss some current events that provide a handy launchpad for deeper understanding. Sign up to the newsletter!______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialYouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting...

For some, consistent investing through a retirement fund or buying shares directly is easy. For many more, there's a bit of work involved in mustering up the motivation to start. As someone who hasn't likely taken a straight path there, I'm fairly confident that anyone can invest, and most investment tools will get the job done. What separates those who play with tools from those who actually build, is looking at the plans. It's the strategy that makes everyday investors succeed. Read more.Special thanks to Brian Henry, from Always Ethical KiwiSaver______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)<a...

YouTube version: https://youtu.be/Od8a-7dgat4Do your own research, but if you're ready to go with crypto, help support the podcast by using the following affiliate link to sign up with Easy CryptoBitcoin, often seen as digital gold, is primarily meant for&nbsp;holding and storing digital value. The Bitcoin ETF’s success stems from this principle, making it easier for traditional investors to access and hold Bitcoin through a familiar financial product. Ethereum, on the other hand, is more than just a digital asset; it’s a technology platform that supports various applications, including smart contracts and decentralized finance (DeFi). I think this is an important distinction when considering the potential success of the Ethereum ETF. Read more.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy Crypto<a...

Check out the article referred to in this episode.In this short one I want to talk about why you should consider a purpose-based investment strategy right now, rather than just a goal-based investment strategy. My strong, and growing belief, is that the type of change we’re seeing in the world right now, presents an equal opportunity for loss, and gain. How to get on the right side of what’s coming, and in fact is already here, is determined by what kind of approach we take – a goals-based, or purpose based approach. Read more and check out the article here.Sign up to the newsletter!Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Get SocialYouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months...

There comes a time in our lives where we decide that it's 'now or never'. If we're going to ensure we have ourselves set up well for the future, it's time to make a bold, and unconventional move...Like starting a bank in New Zealand, where the barriers to entry are exceedingly high [and for what reason?]Shane Marsh is my guest today, and he's the co-founder of digital bank, Dosh.Check out YouTube version ______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Revolut: Sign up, and get a $15 credit.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsDisclaimer: Please act independently from...

When it comes to retirement, or 'transitionment' if you prefer, KiwiSaver can be a core ingredient, but many of us treat it as a bit on the side. It's important to consider the most common pitfalls that can undermine your efforts and leave you short at your retirement . In a new world now more expensive than what you originally though, you need to get this one right. Read MoreBook in a free, 45 minute KiwiSaver chat with me today.Ben Brinkerhoff is the head of advice with Consilium*. *The information contained in this recording is intended to be of a general nature. It does not take into account the objectives, financial situation or needs of any particular person, and does not constitute financial advice. Consilium NZ Limited is the issuer of the KiwiWRAP KiwiSaver Scheme. For more information on KiwiWRAP KiwiSaver Scheme including a copy of the Product Disclosure Statement,visit us at www.kiwiwrap.co.nz.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.Hatch<a...

Grid Share's unique approach helps balance the power grid by allowing their data centers to switch on and off quickly, thus supporting the stability and efficiency of renewable energy sources like wind and solar. https://www.gridshare.co/Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial...

Sign up to the newsletter!John Alcock has a Masters of Science specializing in evolutionary biology, and he's a staunch libertarian with politics and law in his background. Today he's bringing a perspective much needed by the everyday investor. Read more hereWatch YouTube version here______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialYouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no...

Today it’s about the pipes of the current financial system. In the future, various forms of value will stream at the speed of light. Today though, our investments move more like fluids, through valves and holding tanks – checks and balances and policies and procedures keep us safe, with the help of supervisors, regulators, custodians and trustees. Can you trust the system not to lose your money when you invest? &nbsp;Can the government or a dodgy KiwiSaver provider steel your money? Read moreDavid Callanan is my guest today and he’s the General Manager of Corporate Trustee Services at Public Trust. ______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)<a href="http://cmc.mk/KXR0LQ" rel="noopener noreferrer"...

A mere half-century ago, a commute that now takes minutes could consume an entire day. Just as rails would have accelerated our pace of life relative to the horse-and-buggy, emerging digital infrastructure promises to get more of our dollars, working at a faster speed. You've heard this in relation to fees, but I feel the conversation needs to go deeper, and consider the legacy institutions that can now be made redundant. Read more.Ryan Johnson-Hunt is the CEO and co-founder of DSG.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets<a...

Already, the central bank influences the interest rates we pay, the amount of deposit we need, and soon, through debt-to-income ratios (DTIs), the amount of income required to become eligible to borrow money. Read More______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into...

One of the places Aussies and New Zealanders find support during tough times, is with financial advisers. It's critical that we continue to make accessible, affordable, and trustworthy financial advice available. According to research in New Zealand and Australia, financial advice builds wealth, and improves mental health. Check out full article here.Check out Jeff Royle from iLender here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets<a...

If you’re prepping for, building up, coming in for a landing, or even already there, you’re welcome to eavesdrop on these conversations. Sometimes you'll dig it, and other times you won't. Take what you need and leave the rest behind - read more here.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Paul Quickenden from Easy Crypto is my guest today to discuss the price action of Bitcoin following the halving cycle this year. How do the ETF's and current geo-political tensions make 'things different this time around'?______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets<a...

While I’m hoping that a new type of money will fix the world, I still learn how to play the game by the current rules, because one thing keeps me up at night more than anything else: in the future, the ‘already haves’ get more, and what little those left behind currently have, get’s taken away. I want to be on the first team, and I want to make sure my kids get there too!So, we study the machine we rage against. Read More______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided...

It's not so much the band getting back together, it's about money and business nerds nerding out on property, bitcoin, and the problem with the broken money.Lukey Kemeys and Mikey Smith, the force behind The Keep The Change Podcast recently invited me along to have a chat. Hey did you know I often write an article for each of these episodes? It's true - occasionally it's quite brilliant.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act...

YouTube VersionCheck out Smart Money Tracker by Gary Savage.The more I learn about how people actually build wealth, the more cautiously I prescribe diversification.&nbsp;We’re sold index funds, but businesses and property are often what&nbsp;really&nbsp;move the needle.Read more ______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets<a href="https://revolut.ngih.net/c/4753264/1765204/9626"...

Find out about our financial strategy sessionsI want you to imagine a black box – Imagine wrapping up some of your time, and some of your money and just chucking it in that box. We believe that by doing so, we’ll get out more than what we put in. Our labour and/or our capital, perhaps a bit of both. Das Kapital, or Wealth of Nations? Read more.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign...

Would you like to learn more about how we can offer personal mortgage rate advice? Get in touch here: Book a free 15-min chatChasing the JonesesIn this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between, if you're balancing the life you have right now with your future life, get closer to the image of success you're chasing. ______________________________________Check out some online courses!Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialUGRO: For YOUR WealthInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!*Hatch*Sharesies*Easy CryptoSharesight: (Get 5 months free)*CMC Markets*Revolut Bank*I may receive a financial benefit if you click on an affiliate link.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of...

In today's show, you'll learn how the future could be more than a little good. That's right, all that cray cray crazy in the world is actually a good sign. Clive Thompson is a retired private banker and wealth manager of 47 years, based in Switzerland. None of this is financial advice, but I do hope it gets you thinking!Sign up to the newsletter!______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialYouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into...

Check out YouTube Version Here.Clive Thompson is a retired private banker and wealth manager, now living on the shores of Lake Geneva, Switzerland, after a career spanning 47 years.Read more.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for...

When you borrow money, own a home, have kids, or even just enjoy the same group of friends, often your connection to it is via a partnership. You're jointly and severally entangled into all you know, love, and value. &nbsp;If it all falls apart, wouldn't it be good to know the art in how you build back up again? Read MoreBridget Jackson is a divorce coach and she heads up Equal Exes. ______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and...

Traditional Web2 finance will make progress, but eventually, Web3 will meet it in the middle. Ready to build wealth for the future - keep an open mind.Follow me Twitter: @UngaroDarcyFollow Charlie Twitter: @CyborgCharlie______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInwww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

As we're being kept safe from 'deflation due to recession', we're also losing the benefit of deflationary abundance.Check out the article mentioned hereConnect with me on LInkedIn______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes;...

Higher for Longer, or Lower and Sooner - in this one, we take a look at 'recency bias', and how a risk premium (due to geopolitics/war) may lead to higher rates for the foreseeable future.Chasing the JonesesIn this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between, if you're balancing the life you have right now with your future life, get closer to the image of success you're chasing. ______________________________________Check out some online courses!Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialUGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!*Hatch*Sharesies*Easy CryptoSharesight: (Get 5 months free)*CMC Markets*Revolut Bank*I may receive a financial benefit if you click on an affiliate link.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own...

The US Fed appears to be talking a tough game, and right when all the talk in NZ made it sound like a 'done deal', early signals are calling for another hike (or two) to our OCR. We are NOT out of the woods yet.So is it 'lower and sooner', or higher for longer - today I'm talking about recessions and depressions.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account....

The bitcoin ETF, is the 60/40 portfolio dead, and is Darcy Ungaro a bitcoin maxi?Special thank you to Jeff Nijsse, host of the Blockchain NZ Podcast. Check it out hereThanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own...

To choose the best time to lock in your mortgage rate, you need to get three things right:How much will rates change?Which direction will rates go,and when will the rates change.It may seem like a lot of work, but think of the potential reward - if you timed it right at the bottom of the interest rate cycle, you would still be paying less than 3% with almost two years to go. Read more here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please

Part 2: Mortgage Strategy 2024 / CHA$ING THE JONE$E$Have time on your hands? You're more likely to engage in low-value activities. Net immigration is high? Expect higher rents and house prices later on. Too much new credit creation? Watch interest rates fall first (price of money falls with higher supply), then watch them rise? New money supply hits asset values first, then the things we need for living. Credit growth can't outpace the production of more 'stuff' (GDP) because then, inflation.Ready to catch up and review your own mortgage? Make a time with Darcy here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets<a...

Is the ‘real’ cost of pursuing a 'secure' retirement quantified by NOT pursuing the upgraded kitchen today?The trick for individuals and as a collective is to optimise over both time zones of today, and tomorrow: 'The already and the 'not yet'.The government's the same: Optimise for long-term economic growth, or address the social needs of today?Ready to catch up and review your own mortgage? Make a time with Darcy here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15...

Optimism is returning to the market as interest rate drops may be on the horizon. The bottom may be in - it's early days and we're not out of the woods yet, but those thinking of selling this year, or buying, should pay attention to the pieces falling into place.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

A 1-10% allocation towards bitcoin may improve performance of an overall portfolio, without an out-sized increase in volatility. Read more hereUS M2 FRED - https://fred.stlouisfed.org/series/WM2NSYield curve FRED - https://fred.stlouisfed.org/series/T10Y2YHow to take self custody step by step article written by kiwis for kiwis - https://kiwibitcoinguide.org/articles-and-guides/how-to-set-up-a-bitcoin-wallet-and-buy-your-first-bitcoin-for-beginners/Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy Crypto______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Disclaimer: Please act independently from any content provided in these episodes; it's not

Interest rates may be Higher for longer, or we may transition into an age of abundance. In the meantime though lower interest rates for 2024 is likely what we’re getting. The US Fed Indicated this late last year, and the RBNZ will likely follow suit– we’ll know in a couple weeks. ______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial...

How do we solve the equity rich, cash poor dilemma? Option one involves selling the home and downgrading in price to release a pile of cash to live off of. Option two, which is the subject of today, involves taking out a reverse mortgage.Today I’m talking with a Keira Billot, General manager of retail banking &nbsp;at Heartland Bank.Keen to find out more about reverse mortgages for your situation? Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Check out the episode done with the other reverse mortgage provider in New Zealand here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets<a href="https://revolut.ngih.net/c/4753264/1765204/9626" rel="noopener noreferrer"...

Sharon Zollner became the Chief Economist with ANZ in late 2017. She started her career as a macroeconomist at the Reserve Bank of New Zealand in 1998, and has also worked at the Central Bank of Norway. Sharon created the Truckometer in 2012, which is an indicator that can be helpful in painting a picture of true economic activity within the country.Read article hereTired of missing out on early release podcasts? Sign up to the newsletter!______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months...

Our political worldview, our childhood, and our Instagram and LinkedIn feeds can often make it hard to see things as they really are. Ps Alin Armstrong, aka Pastor Coin on X, is my guest today – Be it bitcoin or Jesus, if you’re unsure, do your own research on both.I trust many of you will enjoy this one today - so let’s get started. Oh, and Merry Christmas everyone! Read More.If you'd like to purchase Ps Alin's book btw, you can find it here: https://a.co/d/0r4s2Yk______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy Crypto<a...

There are some who believe that under a gold-backed currency, governments would have to earn money, just like the rest of us do. That means they’d have to learn fast how to be efficient with how they spend, and bring in revenue. To create genuine reform in our government and to pretty much eradicate poverty in the long term, we need to limit the role of government.Here’s the short view of this worldview – if we can fix the money, we fix the world. Read MoreWatch YouTube Video as mentioned by Peter in the show.THANK YOU to MyGold.co.nz for sponsoring this episode.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)<a...

Orange-pilled Canadians like hash rates, donuts, and occasionally loud shirts. Today, we’re learning where digital money comes from, and how to literally create wealth the digital world. Read more.Read the Fidelity report here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes;...

To understand wealth better, we need to learn more about money, and how it could evolve in the future. &nbsp;Today we’re going to speculate on how we may one day invest in property, shares, and use a new type of leverage using AI in a future state of the internet called Web 3.0.Today, I’m talking with Bryan Ventura. Bryan is a seasoned funds and financial services lawyer with a deep understanding of fintech, blockchain, and Web 3.0. Bryan’s expertise covers corporate and commercial law, startups, venture capital, mergers and acquisitions, investment products, property, and, trust me, so much more.Follow Bryan on https://www.linkedin.com/in/bryan-ventura-4a61a8115/and visit https://hamiltonlocke.com.au/our-team/bryan-ventura/______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy Crypto<a...

In New Zealand recently, for example, we’ve seen a new government come to power who’ve decided to restore some of the tax rules that made property investment a viable asset class in the past. We’re also getting much-needed tax cuts, which may offset the pain from inflation for those carrying the biggest load. Our central bank is being given a much more narrow and simplified mandate—focus on inflation. How good is that They'll soon have one job to do – So there’s hope that both the RBNZ and the government will do a better job of dealing with inflation in the future. As investors, this means more stable interest rates. It’s about confidence. Read moreThanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)<a...

We diversify our portfolio's to lower volatility. In the same way, we should diversify our thoughts to reduce risk. The world is changing fast. Technology, geopolitics, the environment, and society are all shifting. How can we adapt and thrive? How can we prepare for the risks and opportunities? Read moreCheck out the last episode with Dr Reuben Steff here.Check out some of his recent publications here(2023) 'The Strategic Case for New Zealand to Join AUKUS, The Diplomat,&nbsp;https://thediplomat.com/2023/04/the-strategic-case-for-new-zealand-to-join-aukus/&nbsp;(2022) 'Great Power Politics: The US-China Balance of Power in Transition' in (ed.) Aiden Warren, Global Security in an Age of Crisis&nbsp;(Edinburgh University Press)(2022) 'The Fate of the Indo-Pacific: Lessons from Ukraine and US Diplomacy Towards Taiwan', 9DASHLINE,&nbsp;https://www.9dashline.com/article/the-fate-of-the-indo-pacific-lessons-from-ukraine-and-us-diplomacy-towards-taiwan(2020)&nbsp;Emerging Technologies and International Security:&nbsp;Machines, the State and War&nbsp;(Routledge)Visit website at&nbsp;https://www.waikato.ac.nz/social-sciences/______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy Ungaro<a...

CHA$ING THE JONE$E$In this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between, if you're balancing the life you have right now with your future life, get closer to the image of success you're chasing. Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.______________________________________Check out some online courses!Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialUGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!*Hatch*Sharesies*Easy CryptoSharesight: (Get 5 months free)*CMC Markets*Revolut Bank*I may receive a financial benefit if you click on an affiliate link.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Talk to Ungaro &amp; Co about investing in bitcoin with a portion of your KiwiSaver, without high fees *Check out Daniel's book, Actionable Ethics and subscribe to the Daniel Natal Show here. Sign up to the newsletter!*Based on the only other provider that has exposure to bitcoin, the ethical provider we use charges lower fees. Based on a more correct view, bitcoin actually helps transition out of fossil fuels. It also rewards us for thinking long-term about things that really matter. Wealth, not war...with bitcoin you can save the world by fixing the money.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesies<a href="https://easycrypto.com/nz?ref=19599" rel="noopener noreferrer"...

Simone Anderson, a social media influencer and entrepreneur from New Zealand. Simone shared her incredible weight loss journey, which she turned into a successful book, blog, and brand. She also revealed her passion for beauty and fashion, and how she uses them to press herself and inspire others. We also discussed how we, as investors, can think differently about building wealth, and what lessons we can learn from Simone’s story. I hope you will find it informative and enjoyable. ______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial...

If our behaviours are the end state, before that was a tactical decision around what actions would be engaged in to invest. That ties into a strategy, which comes about after considering what the best approach would be to achieve your goals. How did the goals get there? Well, chances are, there’s something about you that's unique. Each of us has a 'special mission’ if you like – in fact, without occasionally considering our purpose, even though we achieve our goals, we’re never happy. Ready to tackle your own strategy? Learn more here.Check out the article here.A special thanks to our guests Maryanne Spurdle, and Tim Wilson. Check out Maxim Institute here. ______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy Crypto<a...

Chasing the JonesesToday, I really just wanted you to know that no matter what kind of investor you are today, you can become a different investor tomorrow. The results you have today, now matter what they are, likely stem from a set of skills. If you want better or different results, you’re going to need different skills. I believe from the bottom up – micro first, we should be improving as investors all the time by bringing more of who we are to the table. That’s what this podcast series is about. On a Monday I tackle it from the top down, macro first – somewhere in the intersection between what you can control, and what you can’t, sits the opportunity for you to develop the skills you need to get to the next level.In this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between, if you're balancing the life you have right now with your future life, get closer to the image of success you're chasing. ______________________________________Check out some online courses!Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialUGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!*Hatch*Sharesies*Easy CryptoSharesight: (Get 5 months free)*<a...

Unelected, ideological economists using outdated economics have, in my opinion, over the past 3 years set in motion a chain of events that will cost billions to fix. Considering we can’t vote for them, we should be critical of them. Read more here. Michael Reddell [www.croakingcassandra.com]is a former economist at the Reserve Bank of New Zealand and a current economic commentator and blogger.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please

Watch previous episode with Michael Every here.Take the survey here.It's hard to take seriously the voices that tilt towards doomsday scenarios when all it is is ill-informed pessimism coming from someone desperate enough to double down on conviction for a win. The lesson in the boy who cried wolf was for the boy, after all.What if the boy had great, long-distance vision, though? We've just been ignoring someone trying to help us. My guest today is not the boy in the story. He's a cogent voice calling out from the wilderness, warning us the tide's just shifted, and perhaps it's time to prepare. Read more here...______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesies<a...

Sometimes, it's hard to stay optimistic. Whether you're grappling with personal setbacks or observing the rollercoaster ride that is New Zealand's recent political climate, it can feel like swimming against a rip tide. But remember this—the rest and medication can work, the next big opportunity is just a phone call away, and the world still spins on its axis. Day follows night, and it's always darkest before the dawn. Read more here.Check out the Prescription for Prosperity Report here.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5...

I'm not claiming our investment choices can singlehandedly combat global issues like climate change. How you marry wealth generation with ethical considerations remains deeply personal, and that's your job, not the job of a fund manager, KiwiSaver provider, or financial adviser. Yet, consider this: investing in genuine values might, in the long run, bear richer fruits. The global financial stream is tilting, albeit slowly, towards appreciating the nuances of environmental, social, and governance aspects. Paul Brownsey, CIO of Pathfinder, a prominent New Zealand-based fund manager, talked to me recently in a podcast episode, shedding light on how these values play out in today's investment world. Read More______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy Crypto<a...

Reach out to Elle Snedden or the team at Simpson Western here. You can reach out directly to Carley Ellis for an insurance review here: [email protected]______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally,...

To manage investment risk, there’s a few strategies we can employ – diversification, where our money’s divided up into cash, fixed interest or bonds, property, and shares ensures not all of our eggs are in one basket. If one part does poorly, hopefully another part performs better. Sure you sacrifice some potential gains through concentration, but at least with diversification, your money still has a chance to grow. Increasing our timeframe is another way to manage investment risk– property and shares are good examples of how in the short term, you may get great, or terrible returns, but over the longer term it’s often the best places to put your money. There are risks we don’t manage very well in the investment world though, and this is more my opinion here than a mainstream view. I’m concerned about custody risk for example, or the fact that whether it’s our online sharebroker, or even our managed funds, these investments aren’t held directly – they’re held on our behalf. The likelihood of there being an actual problem here is low – perhaps as low as the 1 in 100 year flooding risk we had last summer, yet it’s still something I wonder about – what if everyone tries to cash in their investments all at once, or there’s some other systemic risk we never saw coming. The more links in the chain there are, the less we’re connected to what we own. Read moreSIGN UP TO THE DEFI REPORT HERE______________________________________Check out some online courses!Sign up to the Home Buyers Blueprint here.Sign up to the KiwiSaver Millionaire Roadmap: This one's free!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses personally.Get SocialThe Everyday InvestorYouTube InstagramTikTok: @theeverydayinvestorSign up to newsletterwww.nzeverydayinvestor.comAsk me anything!UGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chat<a href="https://www.linkedin.com/in/darcy-ungaro-a1703024/" rel="noopener noreferrer"...

Check out the Homebuyers Blueprint: PAY LESS ON THE PROPERTY, SAVE MORE ON THE MORTGAGE. Do the course. Enter PROMO Code: SEPT for a special deal this month only.Chasing the JonesesIn this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between. If you're balancing the life of right now, with the life you know you want to have in the future, I think you can strike the balance and get closer to that image of success you're chasing. Just hang in there, and listen along.The views expressed shouldn't be taken as financial advice. ______________________________________Check out some online courses!Sign up to the KiwiSaver Millionaire Roadmap: This one's free!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses personally.Get SocialUGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!*Hatch*Sharesies*Easy CryptoSharesight: (Get 5 months free)*CMC Markets*Revolut Bank*I may receive a financial benefit if you click on an affiliate link.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this...

Investing in companies isn't just a moral choice; it's a strategic one. You're steering your capital toward sectors that are poised to benefit from a surge of money coming into this space from fund managers and government initiatives. Even if you’re determined to invest in a way that cures the planet, just keep this in mind: To fix the world, we need to fix the money first. Hating the rich is no way to help the poor, and saving the climate should be about saving people.______________________________________Check out some online courses!Sign up to the KiwiSaver Millionaire Roadmap: This one's free!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses personally.Get SocialThe Everyday InvestorYouTube InstagramTikTok: @theeverydayinvestorSign up to newsletterwww.nzeverydayinvestor.comAsk me anything!UGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- <a...

Check out the Homebuyers Blueprint: Save on the property, save on the mortgage. Do the course. Enter PROMO Code: SEPT for a special deal this month only.Check out video version here.______________________________________Check out some online courses!Sign up to the KiwiSaver Millionaire Roadmap: This one's free!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses personally.Get SocialThe Everyday InvestorYouTube InstagramTikTok: @theeverydayinvestorSign up to newsletterwww.nzeverydayinvestor.comAsk me anything!UGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Book in a free 15-min phone call with Darcy Ungaro (financial...

Sign up to The Home Buyers Blueprint Now!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Show me the [Climate] Money: Free online webinar this Wednesday at 12pm: Register here.So right about now is one of those times to be watching some events closely, and we’re covering that today. There are some legit dark and heavy clouds on the horizon in markets and in the geo-political space – it is hard to see how the world is going to improve, but it is important we try to improve while we’re waiting. &nbsp;Amongst all this change, there’s going to be opportunity for those comfortable with changing their views. Read more here______________________________________Check out some online courses!Sign up to the KiwiSaver Millionaire Roadmap: This one's free!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses personally.Get SocialThe Everyday InvestorYouTube InstagramTikTok: @theeverydayinvestorSign up to newsletterwww.nzeverydayinvestor.comAsk me anything!UGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.Hatch<a...

Use Promo Code SEPT to get 20% New Wealth Foundations and The Home Buyers Blueprint.When's My House Price Going to Start Rising Again?Ah, the age-old question that's been on the lips of every Kiwi homeowner and potential buyer for decades. If you've been living under a rock, here's a quick recap: Inflation is the rate at which the general level of prices for goods and services rises, causing purchasing power to fall. Another way to think of it is that the value your dollar can hold today, is less than it was yesterday. Read more here______________________________________Check out some online courses!Sign up to the KiwiSaver Millionaire Roadmap: This one's free!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses personally.Get SocialThe Everyday InvestorYouTube InstagramTikTok: @theeverydayinvestorSign up to newsletterwww.nzeverydayinvestor.comAsk me anything!UGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC...

Chasing the JonesesIn this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between. If you're balancing the life of right now, with the life you know you want to have in the future, I think you can strike the balance and get closer to that image of success you're chasing. Just hang in there, and listen along.The views expressed shouldn't be taken as financial advice. ______________________________________Check out some online courses!Sign up to the KiwiSaver Millionaire Roadmap: This one's free!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses personally.Get SocialUGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!*Hatch*Sharesies*Easy CryptoSharesight: (Get 5 months free)*CMC Markets*I may receive a financial benefit if you click on an affiliate link.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Artist, Entrepreneur, photographer, and host of the Transformation of Value Podcast, Cody Ellingham is my special guest today. Our conversation starts on the question, 'Why don't you want to own a house?', but it doesn't stop there. We then slip into a world where the Sovereign Individual is competed over by various nations for the wealth we carry inside.Read more here______________________________________Check out some online courses!Sign up to the KiwiSaver Millionaire Roadmap: This one's free!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses personally.Get SocialThe Everyday InvestorYouTube InstagramTikTok: @theeverydayinvestorSign up to newsletterwww.nzeverydayinvestor.comAsk me anything!UGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Disclaimer: Please act independently from...

Chasing the JonesesIn this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between. If you're balancing the life of right now, with the life you know you want to have in the future, I think you can strike the balance and get closer to that image of success you're chasing. Just hang in there, and listen along.The views expressed shouldn't be taken as financial advice. ______________________________________Check out some online courses!Sign up to the KiwiSaver Millionaire Roadmap: This one's free!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses personally.Get SocialUGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!*Hatch*Sharesies*Easy CryptoSharesight: (Get 5 months free)*CMC Markets*I may receive a financial benefit if you click on an affiliate link.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

After the global financial crisis in 2008, an individual or group of individuals sent a saviour into our financial world to save it from what would inevitably be a very dark day of judgment in the future. We didn’t recognise this saviour at first, in fact, most of us tried to kill him too. The highest performing investment of all time was crucified by mainstream media and traditional finance - But it’s still alive. Now, In a new world denominated in scarcity, the plebs can live in abundance, powered by the sun. Watch the previous episode this year here______________________________________Check out some online courses!Sign up to the KiwiSaver Millionaire Roadmap: This one's free!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses personally.Get SocialThe Everyday InvestorYouTube InstagramTikTok: @theeverydayinvestorSign up to newsletterwww.nzeverydayinvestor.comAsk me anything!UGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: Book in a free 15-min phone call...

Hugh Hendry is a Scottish ex-hedge fund manager well known for his performance during theglobal financial crisis of 2008. Today, we’ll be covering off how our guest is thinking about his portfolio during thesetimes – remember not to conflate edutainment with financial advice though. ______________________________________Check out some online courses!Sign up to the KiwiSaver Millionaire Roadmap: This one's free!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses personally.Get SocialThe Everyday InvestorYouTube InstagramTikTok: @theeverydayinvestorSign up to newsletterwww.nzeverydayinvestor.comAsk me anything!UGRO: For YOUR WealthInstagramYouTubeDarcy UngaroBook a free 15-min chatLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of...

Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Keen to simply ask a question: Click here. 2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

The majority of this podcast revolves around my journey to build wealth and my view of where the world is headed. We all deal with finances, be it through homeownership, banking, or investments. Read more here.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Check out New Wealth Foundations and the KiwiSaver Millionaire Roadmap.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Keen to simply ask a question: Click here. 2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Want to AI-sk me anything?Click here to ask me anything.Your information will be run through an AI trained on 'mainstream' financial wisdom available online. I'll then offer a critique, or a curious alternative viewpoint._________________________________________If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

This episode is a deep-dive into the world of inflation and its covert impacts on our society with renowned author and tech-thought leader, Jeff Booth. We're venturing beyond the surface, exposing the inflation-driven inequality, and exploring the uncharted territories of a deflationary future propelled by technology. Brace yourselves as we decode climate change, the concept of housing costs under a Bitcoin system, and the impact of a deflationary environment on AI-induced job losses. This conversation promises to challenge your norms and stimulate fresh thinking. Don't forget to leave us a review and share your thoughts!Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Keen to simply ask a question: Click here. 2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently...

My guest today is a recovering anti-financial adviser-non-financial adviser who talks to people about making concentrated investments into the asset class of shares. This style of investment doesn’t look like stock picking – it feels like putting your investments where your eyes are. Engage the brain before acting on anything from any of my shows and please do seek the opposing opinion before taking action.Watch the full version on YouTube here.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Keen to simply ask a question: Click here. 2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice,...

Sign up to the KiwiSaver Millionaire Roadmap!Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Keen to simply ask a question: Click here. 2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Nestled nicely in nuanced comfort and ease, we skip the t’s and c’s – because what could be worse torture than actually weighing up the value of convenience with the strings that are always attached behind the scenes. Read more...Keen to receive a copy of 'The Everyday Investor Pocket Guide to Wealth 2023'? Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter hereHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Check out our free KiwiSaver course: KiwiSaver Millionaire Roadmap!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Keen to simply ask a question: Click here. 2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these...

Imagine, if you will, a future world that's a notch stranger than the one we inhabit now. It's not a stretch, is it? Yet, does our investment strategy reflect this impending peculiarity? Perhaps not as much as it should...Paul Quickenden is the head of NZ operations at Easy Crypto, NZ's most trusted crypto on and off-ramp.Sign up to Easy Crypto here: Easy CryptoHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Keen to simply ask a question: Click here. 2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own...

If you'd like to tell me what you think about sustainable investing, fill out the survey here.Today and I’m super fortunate to be able to sit across the table today with Michael Salvatico, from S&amp;P indices. Check out the chart that Michael referred to here.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Keen to simply ask a question: Click here. 2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in...

Special announcement! News of the Money-World is re-grouping, re-strategizing, and (hopefully!) relaunching in September 2023 as per announcement.If you're not already subscribed to the newsletter, please do so hereCheck out the latest blog on this topic.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Keen to simply ask a question: Click here. 2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own...

Check out www.thepropertylifestyle.com to learn more about Nicole Lewis.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Learn about Bob Ross here: https://youtu.be/lLWEXRAnQd0Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Keen to simply ask a question: Click here. 2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

1 - Keen to ask a question: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Lionel Ritchie, Adrian Orr, Janet Yellen - we're metaphorically "Dancing on the Debt Ceiling," not unlike Ritchie's hit, as the pause in the official cash rate forward guidance surely isn't an election year performance; rather, it's indicative of inflation under control. Does this recent budget maneuver imply our government and central bank are hitting the right notes?It almost sounds like I'm being positive about the central bank and government? ___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro &amp; Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here: do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Andrew Crosby is the CEO of Universal Homes.Soft hearts towards the poor, and a hard money system. These are the two practical solutions we, as everyday people, can use to change the world. Presently, however, both of these activities are facilitated by an inept government operating with little accountability.Want to read more? Hey! Can we have a little chat?If you're picking up what I'm putting down, sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter hereSign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Keen to simply ask a question: Click here. 2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer:...

Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Keen to simply ask a question: Click here. 2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Sophie, from Manawhatu – she asks a really good question – "what is it about the US debt ceiling, and is it anything that actually affects me, as I’m saving for my first home?"Want to AI-sk me anything?Click here to ask me anything.Your information will be run through an AI trained on 'mainstream' financial wisdom available online. I'll then offer a critique, or a curious alternative viewpoint._________________________________________If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally,...

Today, advanced technologies such as AI and blockchain are being woven into the fabric of the finance sector. This isn't about innovation, yet there’s plenty of that occurring in Web3; it's about transformation. In fact, I’d be happy to be known as the one who said, When we alter the very currency of our lives, we reshape the contours of our world.From the creation of the US Federal Reserve in 1913 to the Global Financial Crisis just over 100 years later – we may be witnessing the greatest transformation to the way money moves around.Read the rest here.Immersve.comHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday...

Join our live webinar as we delve into the intriguing world of Berkshire Hathaway's AGM. We'll explore Buffett and Munger's "elephant hunting," their massive cash reserves, and their colossal stake in Apple. As my 'illegitimate grandparents,' they've always played by their own rules, defying convention by avoiding dividends and expressing their distrust of banks. We'll also discuss how Buffett is future-proofing his empire. Don't miss this chance to understand the strategies of these rule-breaking financial titans.___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro &amp; Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here: do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

In this episode, we delve deep into the heart of New Zealand's economic landscape during this critical election year. Our guest, Robin Oliver, brings his expertise in tax economics and policy to a conversation that seeks to challenge assumptions and broaden perspectives. Together, we explore the implications of government decisions on middle-class New Zealanders, discuss the role of wealth and taxation, and reflect on a recent Sapere report. We aim to foster an understanding of the complex economic forces at play, without clinging to any particular political ideology. Join us as we navigate these complex issues, balancing between preserving individual freedom and fostering collective prosperity.https://www.treasury.govt.nz/sites/default/files/2007-11/taxreview2001-report.pdfhttps://olivershaw.co.nz/Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to

Looking to trim a little from your budget? Well, there's a bit of science behind cutting costs. Hope you enjoy!Enter special code WEBINAR and Sign up to New Wealth Foundations hereWant to AI-sk me anything?Click here to ask me anything.Your information will be run through an AI trained on 'mainstream' financial wisdom available online. I'll then offer a critique, or a curious alternative viewpoint._________________________________________If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's...

When things aren't quite right in the world, and in the world of investing in particular, it's quite helpful to be able to talk about it.Fund managers, advisers, regulators—actually, pretty much the entire industry—have no incentive to sound the alarm bell. Further, anyone who does sound the alarm could cause harm just as badly as someone who doesn't. Property and equity markets may not have priced in the reality that interest rates could stay elevated for longer, or even rise. What this means is that the 'value' of all we own could go down further. In addition, and possibly more concerning, is the fact that as interest rates rise, the system itself is at risk.___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro &amp; Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here: do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Today, Paul talks about how everyday investors can not only become their own bank but also their own custodian. While this episode may seem tailored for those into crypto, it's for anyone curious about how new digital finance types will transform every aspect of investing.As the co-founder of Blockchain Labs NZ since October 2016 and the founder of Everlasting Group since May 2021, Paul is exceptionally knowledgeable and adept at explaining complex concepts. This episode is not only a must-listen for crypto enthusiasts but also for those intrigued by the future of finance. Be sure to sign up to New Wealth Foundations now, and get 80% off with offer code WEBINAR. If you're already signed up but want to join the free weekly webinars at 12:45 every Wednesday, use this link.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: C<a...

Want to AI-sk me anything?Click here to ask me anything.Your information will be run through an AI trained on 'mainstream' financial wisdom available online. I'll then offer a critique, or a curious alternative viewpoint.Here’s what Sam from Hamilton says. "Hi Darcy! With interest rates and housing prices constantly changing, I'm having a hard time figuring out how much of a mortgage I should take on. I'm currently earning $100k a year and want to buy a house, but I don't want to end up in a financial bind down the road. How can I determine the right amount to borrow, and what strategies can I use to ensure I'm making the most of my income and equity? Thanks!"Hey, if you do the online course, New Wealth Foundations, use discount code WEBINAR at check out to receive 80% off!_________________________________________If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and

Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective. Use the offer code: WEBINAR for an 80% discount! What?! Yes, and 80% discount!*Note at the time of recording we were not aware of the RBA decision to increase their official interest rate.___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro &amp; Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here: do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Draw a line from one side of the page to the other, and place a mark somewhere along that spectrum from the far left, where everything’s going to return to normal again soon. Russia will crawl back into their hole, China will scale back it’s tough talk, and the US will learn how to take the lead again. Interest rates will fall and house prices will stabilise. On the right, however, we have full state control of our entire financial system, with everything we do and say linked to our ability to buy and sell. Subject to where you feel the world is going, not where you want it to go, you may wish to invest in a portfolio or strategy that is in line with that mark. Read more here.If you feel like your organisation, family, or trust needs to have exposure to this type of investment, please reach out to me here to discuss how I could assist.The Transformation of Value PodcastSign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: C<a...

Want to AI-sk me anything?Click here to ask me anything.Your information will be run through an AI trained on 'mainstream' financial wisdom available online. I'll then offer a critique, or a curious alternative viewpoint._________________________________________If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for...

Forgive the MR Beast style introduction also for those of you who noticed – this is the actual episode where I learnt that dirty trick though so you’re witnessing history really (Where Ed McKnight gives away the secret to making a great podcast thumbnail). This market really is insane though, and at some stage, maybe even in the next 6 months, things could look a lot different. Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a...

One of the best strategies to adopt during times of intense change is to sprint, or take things purposefully slow. Whatever you do, just don't follow the crowd. https://www.amazon.com/Rise-Fall-Neoliberal-Order-America/dp/0197519644Ray Dalio BookRe-Builders PodcastHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier

Too much regulation and innovation is snuffed out - too little, and people lose money. Still, when it's central planners and incumbents who ultimately are driving the push towards MORE regulation....well forgive my cynism.Personally, I want to be certain that in some parts of the playground, when investing, things are transparent and I get what's advertised on the tin. In other areas, especially those that are new - well we should let the fools be separated by their money no? It's this activity that brings change, which ultimately leads to better outcomes for consumers.___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro &amp; Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here: do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

The Global Financial Crisis (GFC) left deep scars that have yet to heal. Recent bank failures testify of this – it’s the equivalent of an 80 year old having a fall. Although we have plenty new regulations, the stay of execution’s only postponed until the next trigger comes across an itchy finger.&nbsp; David Tripe, a professor of banking studies with Massey University. Read more of my views on this here. David is a banking specialist with interests in property, economics (focusing on monetary policy), and corporate governance. Before joining Massey University in 1994, he worked for 17 years in New Zealand's banking sector, acquiring diverse experience, and maintains interest in banking developments.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click...

I hope you enjoy today's episode. Just a reminder, that shortly all episodes that contain anything which may be controversial in nature, not just today but in the future, will be removed...to keep you 'safe'. To be informed around how to access episodes like this in the future, as well as episodes you've never heard before, then...Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter hereSign up to Easy Crypto here: Easy CryptoHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! <a href="https://ungaro.co.nz/nzeverydayinvestor/"...

The world is changing, and a golden age of new wealth creation will occur in a digital realm. Despite the potpourri of risk and tremendous uncertainty around this, it’s essential to keep investing in an open-mind, especially with the exponential change happening in AI and digital wealth. Read MoreWant to learn more about working with Darcy Ungaro (financial adviser)? Book in a free 15-min phone call here - click on this link.Watch the YouTube version here: https://youtu.be/QVwc7DjtAT0Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A...

Read the full article here on this topic - pay attention, this one's an important one to share.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not...

In this episode of the&nbsp;Everyday Investor,&nbsp;Carley Ellis, and Stu Potter&nbsp;talk about how an idea birthed after beers, hanging out with friends at the beach, led to a business that quite literally takes investing to new heights:&nbsp;StardustMe.Read more here.Hey! Can we have a little chat?Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations...

Similar to the nature vs nurture argument, the chicken or the egg, the position that each member of a relationship is in at the time of a home purchase, is often a function of the past, and their present response to the past.Want to AI-sk me anything?Click here to ask me anything.Your information will be run through an AI trained on 'mainstream' financial wisdom available online. I'll then offer a critique, or a curious alternative viewpoint.In this series, I’m experimenting a bit around something no doubt you’re going to see more of: Artificial advice.I’ve trained the latest version of Chat GPT on content from mainstream commentators. I’m then asking the AI trained on this, to answer questions real people have asked me. I’ve run it through a voice generator so you can hear the response, which I’ll then offer an alternative view point on. All for a bit of fun, but also to get a taste for what fake financial advice delivered to a real human being could look like in the very near future._________________________________________If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to <a href="https://youtube.com/@NZEverydayInvestor" rel="noopener

Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! Sign up to our newsletter here4 - Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research,&nbsp;and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

We’re honored to be joined by Tim Edwards, the Managing Director of Index Investment Strategy at S&amp;P Dow Jones Indices. With a distinguished past at Barclays Capital and the Royal Institution of Great Britain, as well as having a Ph.D. in pure mathematics, Tim's expertise spans a wide range of investment strategies and market insights that will help us better understand passive investing.Read the full article here.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in live events.3 - Sign up to the NZ Everyday Investor Newsletter! <a...

I’m looking to receive $4 million from a generous and anonymous person so I can speak more freely about what needs to be said, not just around the financial system, but in all the other areas that appear to be converging right now: bc1qz2uhg0h2m5dapnekdllru4hllf573j2np00eljPlease do your own research with respect to Bitcoin; there is a lot to understand in order to reduce the possibility of financial loss. If you want to reach out to discuss how I offer financial advice around Bitcoin, please contact me here.Check out Easy Crypto as mentioned in this episode.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Sign up to New Wealth Foundations here: A self-guided personal finance course designed from a wealth-builder's perspective.Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Have a burning question you'd like answered? Click here!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)Want to learn more about working with Darcy Ungaro (financial adviser), book in a free 15-min phone call - click on this link.What else?1 - Most topics are inspired by YOU! Tell me more about yourself here!. Keen to simply ask a question: Click here. Keen to chat at a business level: Click here.2&nbsp;- Subscribe to YouTube to get earlier access, and participate in

Sign up to New Wealth Foundations Here.These days we’re spoilt for choice with all the various finfluencers doing their thing on blogs, podcasts, and YouTube channels: In one bucket, you have your brands employing podcasts as a content marketing technique and as a way to connect with their user base. In the other bucket, you have your everyday folks sharing their money and investing journeys out of enthusiasm rather than ambition. The catagorisation could go on infinitely from here, all based on the topics people choose to niche down on – I love thinking through this though through the lens of Hypocrites temperaments or the 4 main personality types: Sanguine or the Otter, choleric or the Lion, melancholic or the Owl, and phlegmatic or Golden Retriever.Check out the Happy Saver here.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a...

New to the story around SVG, Silvergate, and Signature, then check out this article!Worrying about a bank run is not advisable, especially considering how well positioned they are now. New Zealand banks fared well in 2008 and from what I hear, they sound super profitable. As an investor, continual market awareness is a small price to pay for insurance against uncertain times though. If you have faith that in the long term, a traditional approach to investing is a prudent strategy (and that’s a pretty safe bet btw!) this really should cause you no concern whatsoever. Having said that, many local commentators often remain silent on a risk we all quietly worry about. There’s a blind spot everyday investors have as a result: No one talks about the risk of systemic failure of the banking system. It’s not a profitable concern for one’s own career in this field, but I believe we should be framing a diversification discussion using old and new, alternative forms of&nbsp;decentralised&nbsp;money. Read more here___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro &amp; Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast....

From retirement to 'Re-wirement', the story of PINCHT, and how to continue living now, just like you will then. Guest host Carley Ellis interviews Pete Harbidge about retirement at age 50, and the real wealth they've built since.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes&nbsp;- it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research,&nbsp;and take on board a broad range of opinions.

Sign up to New Wealth Foundations NowPersonal finance is kind of like the engine room of wealth generation - it's where we receive our income, manage our spending, and make investments. Through a dedication to learning personal finance, ideally fused with specific advice periodically, we can resolve nuanced financial issues and make progress towards achieving our financial goals. Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these...

Due to technical issues, we have used last week's image on this episode - don't be fooled though - this episode is amaze-balls!!Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes&nbsp;- it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research,&nbsp;and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!

Want to know the secret to building wealth with the least amount of effort? Well, it's not that easy, obviously, but at the same time, it's not that hard either. Today's guest has done the hard yards, and what she has to say may unlock a bit of value for those who struggle with the basics while they strive for perfection. Read more hereCheck out the video version hereHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter...

What's going to happen now that a cyclone has ripped the guts out of many households, communities, and farms? Clearly some money's going to be spent on fixing things up - will this be inflationary? Should the official cash rate (increased to reduce inflationary pressures) be 'held' [or reduced] to give the vulnerable a hand up, and the economy some life? Most people say no [inflation, remember]. I say yes [remember Christchurch], but Rupert says no.What about regulation in the crypto space? What's led to the recent run-up in price across most digital assets recently? Wasn't this supposed to be highly correlated to tech-stocks?And that leaves the concept we touched on with Michael Every around what could happen next in NZ, if we're ready for it: infinite QE for the government [to spend on infrastructure], and higher rates for longer for the rest of us. Nasty.Hope you enjoy the first NOTMW of 2023!___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro &amp; Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - <a...

Check out the article and glossary here.First they ignore you, then laugh at you, then fight you, then finally they join you. As painful as it is being early and helping others see the light so to speak, assuming it’s light that you see, being early allows you to spot things and make a move, before the opportunity moves on. While often you’ll hear it’s about time in and not timing, and that’s true by the way, for a small sliver of people a small sliver of the time, being an early adopter can have rewards. &nbsp;Check out Easy Crypto here.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor...

Personal finance should never be the destination, but it should be the foundation.&nbsp; How do we get our next investment property, How can we prepare our children financially? How can we pay off our mortgage more quickly? Answer the question is one thing, but making it happen depends on you - you must have a solid foundation. Spending less than you earn, diversifying your income, creating artificial expenses to condition your cashflow, converting your emergency fund into your own insurance company – there’s so much I can get better at, so possibly, this is true for you too. Getting strong foundations in personal finance ensures that that when you invest, you can stay invested for the long term. Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;<a...

Colin Magee is the co-founder of Catalist. Catalist is a stock exchange for smaller companies, many of whom would normally not be large enough yet to benefit from traditional exchanges. With Catalist, continuous disclosure yields to periodic auctions... Read more hereHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes&nbsp;- it's not financial advice, because there's no accounting for your individual circumstances.

Wealth building isn't just about financial prosperity, but also about personal growth and making a difference in the world. Our guest today, Paul Dickson, is a prime example of someone who is living for something bigger. Paul is a father and the head of a charity called OKE, which provides Kiwi kids with the opportunity to learn life and social skills through productive gardens in schools. Read more here.To learn more or to volunteer time or money on a working bee, check out: https://oke.org.nz/working-bees/Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter hereDisclaimer: Please act independent from any content...

The more wealthy people there are in the world, the more people there are to drink fine wine and whisky. The more anxiety around the present age there is also, the more likely investing in this space could work as a zig to your zaggers (ie, this type of investment may not drop in value as much during poor economic times – it could even increase). Alternative ‘luxury’ investments could therefore make an interesting portfolio&nbsp;diversifier. Keep reading...Listen to the Slow-cooked passive property strategy here.Learn more about Oeno here.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets and one of the partners of this show.Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to <a href="https://youtube.com/@NZEverydayInvestor" rel="noopener noreferrer"...

There was an American civil rights leader called Mortimer Adler that some believe said this: 'I believe that what we become depends on what our fathers teach us at odd moments, when they aren't trying to teach us. We are formed by little scraps of wisdom.'Trapped inside due to poor weather while on holiday with 3 young kids can produce a few scraps of wisdom, among other things. Playing games with kids though, provides a unique learning opportunity I don’t think I’ve every really thought too seriously about.6 months ago I was at a 50th bday party – I got talking with this couple who start telling me about a board game they invented called Hacktics.We must have spoke for half an hour at least me quizzing them on everything I could – Why’d you do it, How did you do it, What’s involved from start to finish?In the end I thought stuff it – let’s bring it up in an episode. I’ll let them explain the rest – I hope you enjoy this one.While not financial advice to suggest this, I hope you seriously consider getting one of these games for kids aged 13 and up. Since recording this one, I’ve played it twice now with my oldest – as far as advancing financial literacy with kids, this game can transfer a lot of knowledge.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales...

Those who prefer more government control over individual sovereignty, or those who have the most to lose, are often those first to believe anything negative about bitcoin, including the level of harm it does to the environment. Read more hereThanks to Dr Simon Collins from Stackr for having a chat with me!Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these...

Kevin Carter is the founder &amp; CIO of EMQQ, an emerging markets internet &amp; ecommerce index. Kevin’s a diehard value investor but is also a believer in indexing having partnered with Princeton Economist Dr. Burton Malkiel for over two decades focusing on China/Emerging Markets. The three big megatrends of consumption, smartphones and the internet, make emerging markets an intriguing idea – we perhaps can’t see it so clearly living in a developed economy, but as the general standard of living continues to improve globally, there’s a massive opportunity. There’s of course massive risks too. For one, just because an economy’s got a lot going for it, doesn’t make their markets a sure fire bet.Please note I am a small investor in this fund.You can learn more about EMQQ here: https://emqqglobal.com/Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 -...

Want to hear more on today's topic? Let me know: Ask me anything, suggest a topic!Ashley Church believes that before he started actually living out his Christian life, while he earnt good money, he was always in debt, and could never keep any money. To the extent that he’s been successful today, he believes that it’s Gods hand on his life.You can perhaps have different views than this, but when someone makes a claim like this for their own life, maybe there’s something in this.In the context of the previous couple weeks, you don’t have to be a fan of baby Jesus in the manger to realise as a society we’ve drifted miles away from the values that the builders of our current world would have taken a lot more seriously. I don’t think Ashley would go so far as to suggest that all left-wing voters are Satanists though, but equally, many on the right likely don’t have any personal experiences with the origin of true conservative values and ideals.Note: the second episode in this trilogy was taken down from YouTube twice. If you believe you're smart enough to make up your own mind around what is fact and what's fiction, the carefully watch the un-edited version here: https://rumble.com/v20cfar-ashley-church-banned-from-youtube-ep-310-everyday-investor-podcast.html Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call -...

There's nothing scarier, or funnier, than a big-boned skeleton. In the same way, that's kind of what it's like these days when it comes to the extremes of the left and right.Special thanks to www.ashleychurch.com!Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets, and the sponsor of this show!&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes&nbsp;- it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research,&nbsp;and take on board a broad range of opinions. Ideally, engage a...

Welcome to the New Wealth Order where you can still own something and be perfectly happy. What’s the name of the game? Maximise your income, keep a lid on your expenses, then swipe away the leftover surplus - invest in a way that makes sense to you. Repay your mortgage or invest? Most wealthy people do a little of both. If we keep on investing though – something really awesome seems to happen - After a while ( usually quite a while), what you own, increases in value at an exponential rate. The practice of growing wealth, and having wealth, are good states to be in. So if you’re managing to stay somewhat happy along the way to retirement all while doing no harm – then fantastic I say. In fact, the world full of others actively pursuing something better, just like you. Today, well known property commentator Ashley Church joins me to discuss some of the socio-political and somewhat economic paradigms that are trying to shift into a new order of sorts. I want to know how to invest for the new world, so if you’re wondering why I’m going here today, it’s because I think there’s some important to learn.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most...

We're going around the world in 30 minutes today:1- US Fed promising pivot-pipe-dreams to the punters?2- An end to 'zero-Covid' in Hotel China-fornia?3- Close call coming to an end with European energy-crisis?4- The RBNZ's determination to sacrifice the NZ economy.5- Crypto-winter, ice-age, or final nail in the coffin?___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro &amp; Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in these live-recordings.3 - Sign up to the NZ Everyday Investor Newsletter! Disclaimer: Please

The more we strive for more, the more beaks we’re forced to wet along the way – taxes, fee’s, premiums…interest rates. If you’ve decided to pursue wealth in a financial form, which ultimately lowers the burden on the state – you’ll get stolen from in the process. We now need more than enough, to get the 'just enough', from yesterday. Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes&nbsp;- it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than...

The OCR increase of 0.75% may very much be required in order to save us from inflation. The property market may not be able to sustain price levels due not just to the bit of our RBNZ, but also their bark. Our central bank is determined to throw overboard anything it needs to in this battle, including the property market but ultimately, the economy. Whatever it takes to to maintain their credibility and retain our confidence, in their ability to stabilize the system after their jelly fish monetary intervention in the last couple years.___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro &amp; Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in these live-recordings.3 -<a...

How to build new wealth for the new world, step one:Get a source of income which is greater than your expenses / Spend every dollar you make with intention, and on purpose according to a plan / Get rid of consumer finance tackling the highest payments first , save 3-6 months of your income as a self-insurance fund, and then start investing. Initially it may be for a deposit on your first home, then, when you do get property, hit up some managed funds and individual shares too if you can. Get the basics done right first. Just don’t stay in the basics forever. Step two: Investing in precious metals like gold, especially physical gold, is an alternative way to build wealth for a version of the future we may one day see.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a...

For thousands and thousands of years we’ve used gold as money. At some stage, whether part of the role out of CBDC’s (Central Bank Digital Currency) or something else, odds are high gold may form the base of a new global reserve currency. Russia, China and others are working on a new currency to trade with, and central banks are gobbling up new supply of gold at a rate not seen since 1967. It could be tempting to think gold will spike in value denominated in USD, but you also have to consider what value the USD has in this scenario too. Getting the ‘what’, the ‘how’ and the ‘when' right, are all needed for this to be a good speculative bet. I'd be cautious here. There’s no guarantee in that future there would even be a marketplace for gold outside of central banks. So is gold going to be useful here for when the train runs out of track? Rich Elliott and Chris Howard are my special guests today, from MyGold.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? <a href="https://www.surveymonkey.com/r/CZ3LM5N" rel="noopener noreferrer"...

Okay so in the next bit I want to leave you with 5 things you can do to build obscene levels of wealth – like really obscene and just filthy nasty, nasty wealth. This was inspired by a conversation I had with a friend last week – who left me with the thought, you become who you hangout with. Think of the type of wealth you want to build – what does it look like and who’s already good and accumulating it. Hang around them, you’ll likely start talking, then thinking like them, then low and behold, you no start getting the results they got – pretty simple right?Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter...

There's nothing more annoying than just the news.&nbsp;So here's the news the news first, for what it's worth, the OCR has increased by 0.75%. We are now at a level we haven't been since around 2008.Why is the OCR important? This 'official' interest rate that the Reserve Bank of New Zealand sets, indirectly influences the costs of money to the banks we the people borrow from.It's an important thing, because if interest rates increase, two things happen...(Read More Here)___________________News of the Money-World! An informative, quirky, and curious look into current financial events that may affect you, the everyday investor.News of the Money-World is a joint podcast venture between Ungaro &amp; Co Financial Advisers, and kōura Wealth Limited.kōura Wealth Limited (kōura) is the issuer and manager of the kōura KiwiSaver Scheme. The PDS is available on the website http://www.kourawealth.co.nz.__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - Ask me anything, suggest a topic!2&nbsp;- Subscribe to <a href="https://youtube.com/@NZEverydayInvestor" rel="noopener noreferrer"...

_________________News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the NZ Everyday Investor.The venues amazing, but as a result, tickets are pretty limited - Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________Talking to Blandon Leung today reminded me how important it is to have people around you that aren’t offended by your success, or at the very least, your ambition. Blandon explains today that the only thing he’d do differently now to build even more success, would be to invest in mentorship far sooner. Leveraging off the success of those who’ve gone before you means you don’t have to start off in the same place they did. They’re giving you a headstart! Blandon's the adviser who realises advice is beyond value – He’s walking the walk.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or...

This may explain why Central Banks worldwide have taken a keen interest in the environment, and Central Bank Digital Currencies&nbsp;or CBDC’s – I think we’ve just found the problem for their solution...Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes&nbsp;- it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research,&nbsp;and take on board a broad range of opinions. Ideally, engage a financial...

_________________News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the NZ Everyday Investor.The venues amazing, but as a result, tickets are pretty limited - Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired...

Michael Every joins me in this episode. He's the global strategist for Rabobank.Today I've learnt A LOT from this discussion, including why Central Banks worldwide have taken a keen interest in the environment, and Central Bank Digital Currencies&nbsp;recently.Programmable currency can ensure capital and resource is directed towards green infrastructure projects. Assuming the currency is linked to a common objective of a large trading block (say Europe, North America, Australia and NZ?), you now have an idea of what could make a new base for a common currency.A CBDC backed by carbon? It's hard to say if that plays out, but either way it means the shift towards this transformation could come at the cost of producing goods and services for consumption. If the supply side falls, higher interest rates have to beat down consumer demand even further.In other words, under this hypothetical scenario – things get really expensive for you and me, and our standard of living for the first time in a long time, may broadly decline.Still, we'll likely do it for a good cause...CBDC’s. Previously known as a solution looking for a problem, now appear to have a purpose in the green transition. A common digital currency, working towards a common objective of controlling our environment: We've arrived in Oceania about 40 years late._________________News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the Everyday Investor.The venues amazing, but as a result, tickets are pretty limited - Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;<a...

So if you do own crypto and more specifically Bitcoin, you may be tempted to throw in thetowel at times – this could be one of them times. I’ve been reminding myself about a couple things on this: Investing 'success' must have a lot to do with our ability to make decisions we can stick too. And the next thing, is that it’s almost always the hands that hold this asset that causes the risk, rarely the asset itself.______________News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the Everyday Investor.The venues amazing, but as a result, tickets are pretty limited - Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free...

It's at least a theory or at best, mere speculation, that we're already in a new regime, where bonds don't provide the same value in a balanced portfolio. A lot of things don’t work quite the way they normally would have in the past. I guess what’s good about this for the everyday investor keen to push forward with a bit more understanding - given the amount of change afoot, don't worry if you don't have a degree in this stuff already. You could skip the formal education and to be honest, it may make it easier.Central Banks and/or government, have created so many distortions with their interventions, that multiple patches are starting to rip at the seems. Personally, I can’t believe how far something that that can go on for, before things start to break. Then again, perhaps it’s always been broken, and that’s why it kind of why it works (and will always likely work).Both shares, and bonds have been declining at the same time though. That’s not suppose to happen.Check out the remainder of this article Greg Fleming is Head of Global Diversified Funds with Salt Funds, an Auckland based Investment manager. is https://www.saltfunds.co.nz/Check out the Sorted website for more info on bondsHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more <a href="https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc" rel="noopener noreferrer"...

______________News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the Everyday Investor.The venues amazing, but as a result, tickets are pretty limited -good news is that you’re hearing this first, before it’s promoted elsewhere – Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________As it was clear the Russian invasion of Ukraine would lead to an energy shortage, like all things, it was labelled a crisis. Was it really a crisis though? Well it could have been - now it appears energy supplies are 'good enough' to get through what would have otherwise been a winter from hell.Is this an example of how the media can lead us down the wrong path around items to worry about? Possibly. Are European's safe now? No necessarily - there's still next winter to think about.Active investors need to watch this, passive investors - not so much. What's the lesson here? Don't worry on items you cannot control.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!Spread the word: Write a review anywhere you can, share posts on social media, vote for Pedro! Follow me on YouTube, and if you can, subscribe on Spotify also. Use the following referral/affiliate links. In some cases with these codes, I may receive a financial benefit - in other cases I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use <a href="https://my.captivate.fm/www.ungaro.co.nz" rel="noopener...

Tom Botica believes and practices a form of wealth-building known as 'value' investing. Could this be a tool that everyday investors use to get an edge, instead of being lumped with the average?Check out a great starter video on Tom's channel covering off the 4M checklist mentioned in this episode: Investing with Tom. ______________News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the Everyday Investor.The venues amazing, but as a result, tickets are pretty limited -good news is that you’re hearing this first, before it’s promoted elsewhere – Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use <a href="https://my.captivate.fm/www.ungaro.co.nz" rel="noopener noreferrer"...

News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the Everyday Investor.The venues amazing, but as a result, tickets are pretty limited -good news is that you’re hearing this first, before it’s promoted elsewhere – Tickets are only $15 each – all going to charity. Get in quick, BUY TICKETS NOW!__________________Golden Dragons, lifetime tyrants, and a world on edge. What happens in China, doesn't stay in China - we've learnt this the hard way already. As China shifts further away from economic objects towards national security objectives - this WILL cause side-effects. This may be of concern, OR a signal of opportunity when investing in emerging markets (EM's).____________________Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone

News of the Money-World LIVE is happening on the 24th of November. Rupert and I, along with a few other guests you may know, would really love to meet you and to share our candid thoughts around what’s been, and what’s to come. If you’ve been listening in I’d really love to see you there – we owe you a thanks at the very least, or a your welcome at the very most – Pizza, drinks, prizes and 4 amazing speakers – It’s like Woodstock, but with a rate of return.Special thanks to our event partners who have contributed in some way to make this happen: Easy Crypto, MyGold, Mortgage HQ, koura wealth, and the Everyday Investor.The venue's amazing, but as a result, tickets are pretty limited -good news is that you’re hearing this first, before it’s promoted elsewhere – Tickets are only $15 each – all going to charity. Link’s in the show notes – get in quick, BUY TICKETS NOW!Now today, I’m talking commercial property with two highly skilled investors, who have a goal to convert the Provincia un-listed property fund into a listed commercial property fund at some stage– Considering 3 years ago they’d only just started, it’s quite something to observe from my perspective, how wealth grows in these types of containers. Carl Burling, who’s fairly well known in the Auckland property space, is the CEO of Provincia. My other guest is Jack Revill who’s in charge of identifying and managing the properties the fund owns.WarningProvincia is only open to Wholesale or Eligible investors as defined by clause 3 of schedule 1 of the&nbsp; Financial Markets Conduct act 2013. With a wholesale investment the normal disclosure rules do not apply, so investments of this kind are not suitable for retail investors.Please read more on the definition of wholesale and eligible investorsPlease read more about the share offer currently live and available to wholesale and eligible investors.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.<a href="https://sharesies.com/r/RRPR6X" rel="noopener...

News of the Money-World is a joint show between NZ Everyday Investor and koura KiwiSaver. None of this is financial advice, and remember these opinions don't necessarily contain a full load of truth. Please do your own research.Hey guess what - we're doing an event for all our lovely News of the Money-World audience. We'd love to meet you, feed you, share a drink and have a chat. We'll have 4 speakers, music, and some pretty cool prizes to give away too. It's all happening on the 24th of November.Numbers are pretty limited so if you can do it, BUY TICKETS NOW!FYI: Tickets aren't free, but it's all going to charity anyway. __________________Google tells us that Diarrhoea a condition in which faeces are discharged from the bowels frequently and in a liquid form.Monetary - Diarrhoea is what happens when the global banking system can't keep it in any longer. "a range of symptoms including diarrhoea and vomiting" Google reveals a nuance yet again. Diarrhoea begets more Diarrhoea. As the supply of money rises, the global financial system needs more new money just to keep it together, which in turn, requires more money creation to occur. If not assets, then something else.It's a bit weird how it all works to be honest. But it's probably nothing.Right now, just because interest rates are high and banks are slamming on the breaks. It doesn't mean the money printers been turned off. No no no. It's just facing another direction. War is expensive, re-building's expensive, getting off fossil fuels... phew!Is it possible interest rates will continue to rise and stay elevated for years? I wouldn't bet on it. Inevitably, asset values will once again be the sponge to soak up new currency creation. The largest ponzi-scheme of all time is far too big to fail. It's not over yet, the show must go on.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more <a href="https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc"...

There are different types of commercial property investment: Direct, syndicated, un-listed, listed, managed funds, and index funds. On top of that, you have various subsets within the commercial property sector, all with their unique set of pro's and con's to consider. For those who seek either the chance to influence value, or a great source of cashflow in retirement, commercial property should be considered.Note this episode is a re-edited version of episode 80, where I had Brandon Wilcox and Jack Revill on to discuss commercial property. Next week I have Carl Burling and Jack Revill on (again) to discuss 'what's next' for commercial property. Investing in un-listed funds of all sorts can be part of a valid investment portfolio. Just like any one of your components [be it property, individual shares, and even cash], you have to accept a set of known, and unknown risks in order to obtain the return you seek. The disclosure rules are a little less prescribed with un-listed companies though. This may increase the odds you haven't had an opportunity to perform due diligence (relative to say, shares in Air NZ for example). Provincia offers un-listed shares in a commercial property fund, and they're currently seeking funds. Please do your own due diligence and seek advice from an accountant, lawyer, or financial adviser, if you require sign-off for becoming an 'eligible' investor (as per the following rules).Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or...

koura KiwiSaver and NZ Everyday Investor present, News of the Money-World. Jack Revill, from Provincia property, an unlisted commercial property fund, joins us on this discussion to cover why commercial property is 'suffering' right now, and how this could be a good time to consider this asset class. You can find details around the latest offering for wholesale, eligible investors here: https://www.provincia.co.nz/investor-centre/latest-offer/Disclaimer: Provincia have paid a small fee to assist with the production costs of an upcoming episode.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our

We're living in very UNSOUND times. Geo-politically, but also financially this is true right now. In order to build new wealth for the new world, we need to consider new containers for this wealth. Ethereum, and other Web-3 digital assets MAY provide an option for open-minded everyday investor. There are 3 things we can do now, to ensure we’re building wealth the new world at a rate which is greater than the effects of inflation, or currency debasement:1 – We can invest more2 – We can take higher risk3 – Or we can keep an open mindI’ve met few who do all three. It’s not uncommon to see some invest a lot, or take a lot of risk, often without realising it, but it’s the open mind bit that's rare – quite clearly the world’s going through some sort of phase transition right now, yet out minds are still in yesterdays thinking in so many areas. Ethereum is one of the digital assets that I personally hold in my own portfolio. I don't personally, or professionally endorse more than a relatively small allocation to this high risk, yet promising new asset class. Take care to conduct your own due diligence and (ideally) seek advice from a financial adviser prior to making any serious investment in crypto-currencies.My guest today is Aditya Das, Blockchain Researcher and Investment Analyst with Brave New Coin. Today we’re just having a general chat along the lines of sound money – I hope you find it interesting! As mentioned:https://ultrasound.money/Twitter for Aditya @DascryptoforyouHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use <a...

koura KiwiSaver and NZ Everyday Investor present, News of the Money-World. Governments and central banks should be independent. This is my default belief, as it is with most who worry that the right thing to do, could yield to the popular thing to do. During extreme times (not just geo-politically), we need to guard our minds against dogmatism. In this chat, Rupert and I discuss the UK 'pension' crisis, and cover some ground around how yields and bond prices work together. We then cover Credit Suisse and 'what's up with that'?Sign the petition here for KiwiSaver contribution sharing that was discussed in this episodeHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy

Now this one is a bit of a heavy one I must warn you. If you sense there’s more to understand around what’s happening in the world right now , and you can handle looking at something a bit scary for a bit, then watch out for what fear does to you. Don't let fear urge you to sell up, to liquidate, or to change anything. Consider t...Read More Here and to get the links mentioned in today's episode.Senior lecturer at Waikato university Dr Reuben Steff joins me from the Czech republic to help me understand the changing geo- political landscape.If you have any questions, feel free to reach out directly to Dr, Steff here: [email protected]! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday...

koura KiwiSaver and NZ Everyday Investor present, News of the Money-World. The death of cheap labour means that inflation could be here for MUCH longer than many market participants believe. If this is the case, then higher interest rates may not only persist for longer, but they may need to do more damage too. Sign the petition here for KiwiSaver contribution sharing that was discussed in this episodeHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up

Just like many central banks around the world, New Zealand’s Reserve Bank, is making the cost of money higher to combat inflation by adjusting the OCR, the official cash rate. When this happens, our homes, our next home, share portfolio, managed funds, property or crypto portfolio – rising interest rates apply downward pressure on their value.Today, my guest Jarrod Kerr, chief economist at Kiwibank talks to me about some of the signs and symptoms of an economic sickness that households, the economy, and the worldwide economy is going through right now. If we can understand the environment our property lives in a bit more, we should have a clearer picture on what comes next for house prices. Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional...

koura KiwiSaver and NZ Everyday Investor present, News of the Money-World. This week, our special guest is Aditya Das, Blockchain Researcher and Investment Analyst with Brave New Coin.Crypto-Curious Roadshow! Easy Crypto, koura KiwiSaver, NZ Everyday Investor and you, 29th of September at 6pm. Come along if you've been on the fence or don't know what you don't know. Register HERE now, tickets are going fast.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter...

Recently, I was invited on to another podcast to share a bit of my journey in becoming afinancial adviser. It’s my journey in building a financial advice business while simultaneously trying to break the mold of how it’s done. Unless you’re a financial adviser, you wouldn’t have heard of the Kiwi Adviser Network podcast – but if you are, or you’re thinking of getting into this industry, I highly recommend it – it’s called the KAN podcast.The host, is Warwick Slow. He’s not only a BDM for one of the newest mortgage aggregation businesses in the country, but he’s also weekend announcer on The Edge radio station. Hence the silky smooth radio voice.Proof that financial advice leads to better outcomes. Register for the Crypto Curious LIVE Event!Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions....

koura KiwiSaver and NZ Everyday Investor present, News of the Money-World. In this episode, Jeremy Couchman, Senior Economist at Kiwibank. Are we in a recession here in NZ, and where to with interest rates?Crypto-Curious Roadshow! Easy Crypto, koura KiwiSaver, NZ Everyday Investor and you! 29th of September at 6pm come along and meet the voices and learn a few new things about crypto!Register HERE now, tickets are going fast.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter...

Here’s some more questions to consider about today's episode.What’s really bad inflation going to do to us over the next couple years? &nbsp;&nbsp;&nbsp;&nbsp;What happens if war gets out of control, or spreads to areas far closer to home? &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;What happens when government and tech companies get too big and start making decisions you didn’t believe they had the authority to make? What happens when the carrot to invest and behave in socially responsible ways, turns into a stick?These are questions I think we need answers to, because without them, it’s harder than ever to know how to invest – it’s that simple.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;<a...

When Market Meltdown, When? Surely, if one could predict the next market correction, this would have been the year to call. Interest rates impact share markets, bond markets, and property markets. Want to know where markets are going, watch the Fed. The US Federal Reserve sets 'the mood' of the room our dollars dance in, as we grind away in our day jobs so we can invest. News of the Money-World is a partnership between The NZ Everyday Investor and koura KiwiSaverHey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter hereDisclaimer: Please act independent from any...

I wonder if it's soon possible that investment returns, especially when adjusted for inflation, could be lower for much longer in the future world. How do we get better than average returns then? We take higher levels of risk, invest more, use less diversification and more leverage, and invest in what many consider speculative bets, like Bitcoin.If we adopt a higher risk strategy though, we have to be able to endure all sorts fear. Market downturns, job losses, relationship break downs, war and civil unrest – whatever comes next, If you’re wealth is tied up in property, or you’re investing in volatile investments that need time to cook, this is why you need personal insurance. All insurance is, are contracts that you enter into where you trade premiums, for the right to receive a possible balloon payment, or a series of monthly payments, or the reimbursement of medical costs, if certain events occur.If you’re stuffed, munted, or set back in some other nasty way, insurance can assist in helping clean up the money mess. What’s more, it helps you stay invested. Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR...

Today, we're having a general chat about private, public, and mixed models of ownership. What are the pro's and con's of each model, and what are the opportunities for investors when some public assets get into private hands. What are some of the dangers when it goes the other way around?Lastly, I don't think anyone can say this is a commercially clever move. But it begs the question: Why when the profits are 1/10th of what just one bank in NZ makes (ASB), is it so important that $2.1bn of our taxes need to be spent on this (especially during this time!). I can own shares in the holding company of some of other banks (I do in fact!), but not Kiwibank. Everyday Kiwi's don't own Kiwibank - the government does.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a...

Investing is for everyone, but often make the biggest difference in the hands of those who've come the furthest. A little can go a long way when it comes to financial literacy. Growing wealth isn't about being smart. It's really simple I think - it's just learning how to control our own personal resources. Carley Ellis is the special guest host on this one today, because I've travelling back from a father and sons holiday in the snow. Te Kahukura, the person behind Maori Millionaire is our guest today. Wealth is for everyone and investing is something we can all do. It's one of those strange arenas where it doesn't matter our starting point, or our end point - it only matters that we make progress.Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor...

Europe's heading into winter and they may not be able to keep the heat on. It seems everywhere, climate change and rising energy costs, mixed with supply concerns, are threatening global security. How do we get through this as consumers? That's one question. Another one is this: If the [Western world at least] is committed to legislating 'green energy', what does this mean for the everyday investor?Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes&nbsp;- it's not financial advice, because there's no...

I thought we were doing so well when it came to growing money-smarts in NZ, so when I read the report Money and You: Investing in Volatile Times, I was really surprised to see we’ve taken a step backwards. This year, relative to last year, less NZ’ers understand the relationship between risk and return, how different types of investments have different risk profiles, and how current investment themes or trends may affect performance.Perhaps the growth in money smarts I thought I was witnessing over the last 2 yearsespecially, was more a symptom of an exuberant market place, rather than progress made by everyday investors? I’m not happy with this explanation. Richard Klipin, is the chief executive of the FSC (Financial Services Council of NZ), a non-profit member organisation with a vision to grow the financial confidence and wellbeing of New Zealanders.I suspect somewhere between the vector of direct observation, and the data, lies an image of reality. Looks can indeed be deceiving, so every now and then, looking at the data is important. The good thing about how we've potentially taken a step back in this space though, is that you and I have a bit more learning to do together! Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner

Hey! Can we have a little chat?If you're picking up what I'm putting down, help me build the Everyday Investor community!1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro!Share this Spotify link to your best friend now.2 - Use the following referral/affiliate links. There are costs bringing this podcast to you for free - every little bit received here goes straight towards costs - in some cases with these codes, I've waived any benefit so you can get a better deal.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. CMC Markets: You and I both get $150 if you sign up using this link. *Note CFD's are incredibly high risk investment options(read more here)3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use Ungaro &amp; Co Financial Services, the main partner of this podcast. Want to learn more about working with Darcy Ungaro, book in a free 15-min phone call - click on this link.Enough of the sales pitch, what else?1 - You're my inspiration! Most topics are inspired by YOUR questions or suggestions. So, what do want to hear? Ask me anything, suggest a topic!2&nbsp;- Subscribe to YouTube to get earlier access, participate in live-recordings, and gain additional perspectives from Darcy Ungaro.3 - Sign up to the NZ Everyday Investor Newsletter! It's a newsletter, not a sales pitch:&nbsp;Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes&nbsp;- it's not financial advice, because there's no accounting for your individual circumstances. Better be safe than sorry here - Do your own research,&nbsp;and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!

Now insurance isn’t sexy I know and yes, some of you may tune out on this episode for that reason– honestly though, if anything proves I don’t do this for the downloads, we’re covering insurance 101 today.Sam Tremethick is the chief partnership officer at AIA and our guest today – Sam’s a good guy, and doing well considering the ongoing symptoms associated with prolonged exposure to Australia too. An extra surprise? Oh go on! Carley Ellis is our host today too just to change things up - that's refreshing!I want you to build wealth, protect it, and then give it away – If you can do at least 2 of those things, or ideally 3, you’re on your way to wealth in the broadest sense possible.Would you like to find out what's involved in reviewing your own insurance plan with Ungaro &amp; Co? Check out the ways you can reach out below, or make contact with Carley here: Book a free 15-min chat to discuss your Personal Insurance Strategy here - click on this link.P.S. If you'd like a copy of the research paper quoted in today's show, just email us to get a copy_______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using <a href="https://my.captivate.fm/www.ungaro.co.nz"...

A third of our exports go to just one country, who can replace us in a heartbeat. Fonterra has become an expert in influence over our government.Tensions are rising in the geo-political sphere, and the day is approaching fast where we're we'll have to pick a side between trade with East and security with the West. What are we going to do?Further, when your vote is carries perhaps .00000002% influence over how this country is run, is it right that the vote of one entity carries this much influence?I'm still not sure how this affects the everyday investor, but I know it will - the problem is, no one's talking about this.What’s Happening in the World Economy: China's Intensifying Headaches - BloombergChina-trade-report-2022-update.pdf(nzchinacouncil.org.nz)Fonterra's profits are increasingly reliant on China | Stuff.co.nz_________________________________News of the Money-World is an informative, news 'style' podcast, produced in partners with koura KiwiSaver, one of NZ's most innovative digital KiwiSaver advice provider.Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using <a...

The 3PF is a new book published by Andrew Malcolm, one of the co-founders of Mortgage HQ, one of NZ's fastest growing mortgage brokerage.I've now read the book and I'd describe it as this: It's a mental framework that simplifies the idea of building passive income through property investment. We're talking a little about some of the core strategies in the first part of this book today. If you're thinking about it, or you already are a property investor who's reliant on a return over time - then GIVE IT TIME. We may not be out of the woods yet with the current property market correction but long term, the odds are high property prices will double in value from here every 7-10 years. So for passive income, we grow first, and then we harvest. Buy property that will appreciate in value at a rate which is higher than your overall holding costs – it’s kind of that simple. 1 to live in, one for long term income, &nbsp;and one to fatten up for the slaughter in 20 years time. While you’re able to fund your life with your income, you do, but all the while you’re growing capital gains that will convert into yield assets later, when passive income, is going to be essential.YouTube Version here: https://youtu.be/TykRGRhwu0U_______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro &amp; Co, the main (silent) partner of this podcast. Book a free 30-min session to 'get you your KiwiSaver sorted, using active and passive strategies- <a...

For one of the scenarios outlined in this podcast to come to fruition, the US had to be significantly weakened. I believe we witnessed this with the events that unfolded on the 3rd of August (NZT) 2022, where the US pulled out of the opportunity to stand with Taiwan through actions, and not just words. We're living in rather odd times.It appears the US lost a game checkers to China, who's clearly been playing a game of chess.It would be disingenuous to say the least, talking about building wealth without simultaneously talking about protecting it. Change is coming - and there ARE things you can do about it. Ignoring what's happening in the world right now, just because it scares you though, well THAT is a very high risk investment strategy.At the time of recording, I had no idea of the events that were unfolding at the same time, where the US lost a game checkers to China, who's clearly been playing a game of chess.It would be disingenuous to say the least, talking about building wealth without simultaneously talking about protecting it. Change is coming - there ARE things you can do, but ignoring what's happening in the world right now, just because it scares you, is a very high risk investment strategy.While the world is watching what they believe is a kinetic war unfold, elsewhere, the war's just getting started.If you're still investing as if everything's getting back to normal, honestly, that's awesome. If you're investing in such a way where it isn't, even just a little, better still.Further reading:https://forkast.news/china-banned-bitcoin-mining-became-no-2-bitcoin-miner/https://www.statista.com/statistics/267998/countries-with-the-largest-gold-reserves/https://www.npr.org/2022/06/17/1105896419/russia-putin-speech-sanctionshttps://news.bitcoin.com/targeting-the-us-dollars-hegemony-russia-china-and-brics-nations-plan-to-craft-a-new-international-reserve-currency/_______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;<a...

An engineered soft landing. So many critics, including myself, don't believe it's possible to engineer a soft economic landing during this stage. Still, if I'm honest, the approach doesn't look bad..._________________________________News of the Money-World is an informative, news 'style' podcast, produced in partners with koura KiwiSaver, one of NZ's most innovative digital KiwiSaver advice provider.Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro &amp; Co, the main (silent) partner of this podcast. Book a free 30-min session to 'get you your KiwiSaver sorted, using active and passive strategies- click on this link.Book a free 15-min chat to discuss how our Financial Strategy and Mortgages/Property advice can build wealth - click on this link.Book a free 15-min chat to discuss your Personal Insurance Strategy here - click on this link._________________________________________________________So, what else?1 - I have no shortage of ideas that I think are pretty cool to cover on this podcast, but what would...

Is Bitcoin dead, or is it just dormant. One way, or another, in 10 years time are you 100% confident that you understand just what this asset can do for your wealth in the new world?Janine Grainger is the co-founder of Easy Crypto, a fiat 'on-ramp' to up to 160 crypto-assets and now in Australia, Brazil, and South Africa too. For further reading:https://forkast.news/china-banned-bitcoin-mining-became-no-2-bitcoin-miner/https://www.statista.com/statistics/267998/countries-with-the-largest-gold-reserves/https://www.npr.org/2022/06/17/1105896419/russia-putin-speech-sanctionshttps://news.bitcoin.com/targeting-the-us-dollars-hegemony-russia-china-and-brics-nations-plan-to-craft-a-new-international-reserve-currency/_______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro &amp; Co, the main (silent) partner of this podcast. Book

Taking ground when you’re in a position to do so, investing for wealth, is as much about moving forward, as it is about creating a hedge around what you’ve already accomplished. _______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro &amp; Co, the main (silent) partner of this podcast. Book a free 30-min session to 'get you your KiwiSaver sorted, using active and passive strategies- click on this link.Book a free 15-min chat to discuss how our Financial Strategy and Mortgages/Property advice can build wealth - click on this link.Book a free 15-min chat to discuss your Personal Insurance Strategy here - click on this link._________________________________________________________So, what else?1 - I have no shortage of ideas that I think are pretty cool to cover on this podcast, but what would you like to hear? Ask me anything, suggest a topic!2 - Increasingly,...

Are we in a Commodity 'Super-Cycle'? If so, let's talk about this because 'stuff', which is all commodities are, may be the new source of value for the new world - who would have thought?_______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro &amp; Co, the main (silent) partner of this podcast. Book a free 30-min session to 'get you your KiwiSaver sorted, using active and passive strategies- click on this link.Book a free 15-min chat to discuss how our Financial Strategy and Mortgages/Property advice can build wealth - click on this link.Book a free 15-min chat to discuss your Personal Insurance Strategy here - click on this link._________________________________________________________So, what else?1 - I have no shortage of ideas that I think are pretty cool to cover on this podcast, but what would you like to hear? Ask me anything, suggest a topic!2 -...

Okay, so let’s say I’m talking to you now and you’re someone who’s always excelled, in almost every area of your life. Do you think you can succeed at investing? I think you can, and I think if you think you can too, then you should give it a good go. Now let’s say you do give it a good go - well done, but there's something you should know.Eventually, you may get hit for the first time with a message you'll eventually hear all the time: "Science says you can’t outperform the index, so invest in the S&amp;P 500 or something like that" Well yes it’s right, on average, over the long-term you indeed cannot out-perform average. However, what if average isn’t your thing? What if, for some reason, it can’t be your thing? Well, who says you can't be in the cohort that stretches the average higher? You may be.Statistically you won’t be – but wouldn't it be prudent to at least try? Give it a go and succeed like you have with everything else, or quit before you even try? The choice is yours!_______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro &amp; Co, the main (silent) partner of this podcast. Book a free 30-min session to 'get you your KiwiSaver sorted, using active and passive strategies- <a href="https://calendly.com/ungaro/talk-to-us-about-kiwisaver" rel="noopener noreferrer"...

________________________________Welcome to a bonus series, in partnership with koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi._______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro &amp; Co, the main (silent) partner of this podcast. You can book a free 15-min chat with Darcy (Financial Strategy, Mortgages, KiwiSaver) - click on this link.You can book a free 15-min chat with Carley (Insurance, KiwiSaver) - click on this link._________________________________________________________So, what else?1 - I have no shortage of ideas that I think are pretty cool to cover on this podcast, but what would you like to hear? Ask me anything, suggest a topic!2 - Increasingly, there's more content you can discover on other platforms, please ensure&nbsp;you have subscribed to us on Youtube3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for...

When the government or central bank controls the money supply of a nation, they ultimately control the very mechanism by which you and I can store up wealth.In the spirit of building, protecting, and passing on wealth, I think I need to understand this area better. However, before we go on, a quick world of warning from the late, great Henry Ford: " It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning."For further research:Ep 185 with the RBNZ: https://player.captivate.fm/episode/5aee9607-995f-4ea3-87ed-b7407c69424fEp 169 with Campbell Pentney: https://player.captivate.fm/episode/3e846857-ff89-46b7-83a4-9d6c5a2700c5Ep 120 with Mark Pascall: https://player.captivate.fm/episode/34a7adac-945f-4e25-b009-bf0af6cd9f1fToday my special guest is Scott McLiver – Scott’s a partner in the private business team at PwC and one of the areas of his expertise is that of emerging technology and digital transformation. Scott has a phenomenal knowledge base that covers Bitcoin to Central Bank issued Digital currencies, and everything in between. _______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage,...

________________________________Welcome to a bonus series, in partnership with koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi._______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro &amp; Co, the main (silent) partner of this podcast. You can book a free 15-min chat with Darcy (Financial Strategy, Mortgages, KiwiSaver) - click on this link.You can book a free 15-min chat with Carley (Insurance, KiwiSaver) - click on this link._________________________________________________________So, what else?1 - I have no shortage of ideas that I think are pretty cool to cover on this podcast, but what would you like to hear? Ask me anything, suggest a topic!2 - Increasingly, there's more content you can discover on other platforms, please ensure&nbsp;you have subscribed to us on Youtube3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for...

Bitcoin just like many other traditional investments - isn’t risky, it’s just volatile. In a world where bitcoin hits zero, which is what it means if it’s risky, traditional share portfolios hit zero too. Think about it: it doesn’t matter how valuable an investment is, if the dollars denominating it could self-destruct. The more volatility, the higher the long-term returns. If that’s true for tech-stocks, it’s true for bitcoin. &nbsp;In the world exactly like what’s being served up today, everyday investors can now diversify into something not denominated in the same currency as their other investments.If holding bitcoin really was about making more traditional money one day, I wouldn’t be a fan of it. My mainstream investments are for mainstream returns.You should consider bitcoin if you believe there’s a possibility traditional stores of value may not endure for your investing timeframe.Scott McLiver is a partner within the private business team at PwC and has a strong interest in blockchain technology as well as digital assets. _______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs.Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro &amp; Co, the main (silent) partner of this podcast. You can book a free 15-min chat with Darcy (Financial Strategy, Mortgages, KiwiSaver) - click on this link.You can book a free 15-min chat with Carley (Insurance, KiwiSaver) - <a href="https://calendly.com/carleyellis/15-minute-free-chat"...

If I recall an opinion I heard a few years back correctly: I know we're supposed to believe the official narrative here, but debt markets are where we go on occasions such as this for the real source of truth. Right now, there's a growing cohort starting to waiver in their belief that the Fed, and by extension, other central banks around the world, actually have this under control. In some ways, they've lost control already. In other ways, the blunt edge of their full suite of 'tools' are yet to fully bite.You can find the PDS on the [now expired] offer link found in the video version of today: https://youtu.be/Vp1-ugGM4As________________________________Welcome to a bonus series, in partnership with koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi._______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's hereShare this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions,...

Unless your retirement plan is receiving an inheritance, you know that if you don't make this investing thing work, there's no plan b. Sure you could take a gamble with average and hope it'll be enough, but what if the future's going to be different? What if it's harder for a season to generate a meaningful return for a while? Well, you need to be an excellent investor.While it’s easy say and hard to do, being excellent doesn’t need to be complicated: Just keep getting better at what you’re doing, then wait for the voices saying you can’t, to gradually fade away. Job done – you're officially most excellent!Good is awesome when you've come from worse. It's a bit discouraging when the goal is to be safe though.The rewards for safety are average returns.The rewards for being courageous?It's the satisfaction knowing that when you faced 'resistance', you leaned into it, and you prevailed.In a world increasingly petrified of everything, making safety the primary investment objective could be one of the dumbest things to aim at.Maybe we learn excellence with sport, business, public speaking, leadership, whatever – but can we apply the same principles of pushing through to the world of investing too?In this episode with Cole Hauptfuhrer from www.findfatfish.com, we’re going to talk about being excellent at picking individual stocks.Wait a minute! You can’t outperform the market!You’ve seen the slides and stats (at events sponsored by the passive fund managers) - it’s hard and often impossible to beat the average, especially consistently through time.So in other words don’t bother even trying – you don’t want to gamble your retirement trying to prove statistics wrong do you? Perhaps it’s true that the most efficient way to get a compounding return from the market over time is through low cost managed funds though.It’s efficient, but is it best? More importantly, is it best for you?Cole Hauptfuhrer is not a financial adviser, he doesn't handle 'client money', and he does not provide an investment recommendation. For more information, please check out www.findfatfish.comAsk me anything, suggest a topic, or a guest!_______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high...

It's a recurrent nightmare of mine, that somehow, some time in the future, everyday investors will lose access to their pots of wealth. It's scary, but there's a risk we're taking more now, than we used to, with our wealth - custody risk. We're seeing this play out in the crypto-ecosystem now. Some would suggest this is why you stay away from crypto. Really? Be on high alert here for kettles calling pots black here. Is it not even remotely possible that what's happening in the trustless space, could also unfold in the 'trusted' trad-fi (traditional finance) community?Custody risk has been amplified more and more over time, where our assets are held on our behalf by someone else (often through technology platforms). For the most part, our trust is well justified. These are well worn rails which relying on principals we've trusted for quite some time - there's no need to panic. It's just something to consider. To suggest everyday investors can never lose from a failure in modern day custody practices though? Pure hubris. We know what happens after pride sets in, just look at crypto, it shows us our future.In crypto, as with most things, flaws in the system cause blow outs fast - they can't be papered over.Today, I'm sharing my story of how I recently lost some of my investments through a platform I thought I could trust. I made a mistake in a way, but now I wonder if the risk I didn't consider carefully enough here, exists elsewhere also. Am I paranoid, or just seeing something in advance?Here is the link referred to in this episode: https://celsius.network/_______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial...

If you're keen to build new wealth in the new world we're heading into, I think we should be talking more about the rules of the game?Today, I'm having a conversation with someone extremely well qualified in the area of central banking.Michael Reddell has spent over 30 years doing economic analysis and policy advice at various places including our very own Reserve Bank, where he ran a number of areas, including Head of Financial Markets, he was responsible for monetary policy implementation, foreign reserves management, and the analysis of financial system risks.I’m wondering if separation between the RBNZ and our government, is only the starting point for anyone curious about what's going on with the people behind the green curtain. What if the RBNZ is effectively just a branch of a form of unelected government that’s engaged in a type of currency war hidden in plain sight which flies straight over most of our heads?Note: The opinions expressed in today's introduction are designed to get you to think - I cannot say these are the views shared by my guest and to be honest, I'm not sure these views are all that well informed yet either.Ask me anything, suggest a topic, or a guest!_______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's hereShare this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;<a...

"Hi Darcy, loving the pod, and especially how you have a somewhat contrarian view of things. I think this might be a common issue amongst your listeners. My 19th year old university student son has about $30k saved up currently. He has a part job and lives on the smell of an oily rag.... he has KS also, roughly $8k last look. He wants to buy a house/rental asap after graduating. He is on target for double major in Chem/Physics so no dunce. We are property investors too. Have been putting about $20k on term deposit and rolling over.....very hesitant to even put it into KS due to volatility and short 2/3 time frame...Whilst realizing inflation is eroding capital.....any thoughts on this, thanks"Rachel ColemanAsk me anything, suggest a topic, or a guest!I’m really excited for this one today, because this episode is inspired by one of you recently, who took the time to ask a question by visiting the show notes and clicking on the sentence above. Patrick asked– ‘talk to me like an idiot – if there were only one or two steps I needed to take to get on track for retirement – what would they be?’ _______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

We need to bring all of us to all of the world of investing (emotions, logic, everything), but at the same time, we need to be self-aware. A decision coming from a center of emotion is far less likely to be a decision you're going to be happy with in the long term.So what do you do?Listen to this podcast today - that's a start!Next up, check this out:Investing, emotion, and your unconscious mind | VanguardYour personal instincts could pose the biggest danger to your long-term wealth » Kōura Wealth (kourawealth.co.nz)________________________________Welcome to a bonus series, in partnership with koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi._______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

The CCCFA and the sharp spike in interest rates were the last two nails in the coffin of a series of moves initiated by both the Government and the Reserve Bank of NZ. Although it's a baseless allegation to suggest a piece of legislation was specifically designed to bring down the property market, there are two things to point out:1 - It's far easier to crash an economy than to build it up and,2 - secondly, they did say they were going to do this.Rupert Gough from https://mortgagelab.co.nz/contact-us/ is my very special host today and really, we're just shooting the breeze and speculating around what comes next with the property market.Ask me anything, suggest a topic, or a guest!_______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Cole Hauptfuhrer, from https://findfatfish.com/ joins koura KiwiSaver founder Rupert Carlyon and I, Darcy Ungaro (Financial Adviser).Do we really know what we're doing with investing? Really?!You better be sure because whatever you're views, they're going to get tested during this season. Concentrate or diversify - hedge against your ignorance or spread your bets to avoid losing (too much!)In the spirit of 'there is no one right way to get this done', I hope you enjoy this special episode today.________________________________Welcome to a bonus series, in partnership with koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi._______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Ask me anything, suggest a topic, or a guest!My guest today is Amanda Martin, a specialist tax adviser and this is part two of 'Tax-Efficient Investing'. If you'd like to read more of what she puts out there, check out ww.taxadvisory.co.nzRemember not only is this podcast 'not financial advice', this isn't tax advice either. Performance, risk, and fees:How well has an investment has performed in the past and will those conditions be present off into the future?With wild swings in prices, is the timeframe we’re investing for appropriate for our chosen wealth building tools?Who’s wetting their beak off my hard earned cash – are they adding value?Sound like some typical questions you have too when you invest? The great news about questions relating to performance risk and fees I think, is that it’s easier than ever before to get the answers. Tax though, is often not in the top three of questions we mull over though._______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Rules of the thumbs, tips and tricks - Is there really some form of hard-core religious dogma around investing we need to adhere to? No! Never has been!If it helps though, go for it, just be sure you understand the reasons why these rules of thumb came to be in the first place - perhaps there's an updated version you can come up with?Today, Rupert and I are talking about the death of the 60/40 portfolio - one of the best known rules of thumb with portfolio construction. With the turn around in interest rates (or apparent turn-around), should we now look to alternatives or substitutes for the 40% allocation to bonds?________________________________Welcome to a bonus series, in partnership with koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi._______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Ask me anything, suggest a topic, or a guest!My guest today was Amanda Martin, a specialist tax adviser and she'll be joining us again for part two. If you'd like to read more of what she puts out there, check out www.taxadvisory.co.nzWant to check out Sharesight? https://www.sharesight.com/nz/Performance, risk, and fees:How well has an investment has performed in the past and will those conditions be present off into the future?With wild swings in prices, is the timeframe we’re investing for appropriate for our chosen wealth building tools?Who’s wetting their beak off my hard earned cash – are they adding value?Sound like some typical questions you have too when you invest? The great news about questions relating to performance risk and fees I think, is that it’s easier than ever before to get the answers. Tax though, is often not in the top three of questions we mull over though._______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Buy a home, pay off the mortgage eventually, then invest as much as you can with KiwiSaver: The Idiot-Proof Two-Step Solution to Retirement.Ask me anything, suggest a topic, or a guest!I’m really excited for this one today, because this episode is inspired by one of you recently, who took the time to ask a question by visiting the show notes and clicking on the sentence above. Patrick asked– ‘talk to me like an idiot – if there were only one or two steps I needed to take to get on track for retirement – what would they be?’ _______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Ask me anything, suggest a topic, or a guest!Tom Hartmann, personal finance lead with the Retirement Commission. Check out the article mentioned in today's show!The best analogy I can think of to describe the relationship between managing personal finances well and investing, is found in Hybrid vehicles- A hybrid car uses an internal combustion engine, an electric motor, and a small battery pack. When the engines going, it sends power to the wheels and also charges the battery, which in turn powers the electric motor to provide an additional power boost, or short range electric only driving. When the car slows down, the forward momentum no longer required is converted into energy stored in the battery system – so the surplus energy harvested is re-used another time. Hybrid vehicles go further with the same amount of fuel than normal cars with a gas engine only, because they’re efficient.Still want to hear more from Tom Hartmann? Check out the following:Intergenerational wealth: https://open.spotify.com/episode/4HY3mejouE0hPw8OJlRkjw?si=EP0s26kCSRGeKXc3E-C05gKiwiSaver: Navigating troubled waters: https://open.spotify.com/episode/4UaVYJwNNlWBv9y4JwIkt8?si=BssrSystSA2XRt1qFAB2cwFinancially Left Behind: https://open.spotify.com/episode/6TesUXz8CRtN3mKelGhjqB?si=nwcQlJzHQXi_oYqIL6_Z9QIncreasing Financial Capability: https://open.spotify.com/episode/53MTLzXzK0HC78zWTODcQ9?si=qYRV7cVXRJm47XXn8Z_3Fg_______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure&nbsp;<a href="https://ungaro.co.nz/nzeverydayinvestor/" rel="noopener...

Ask me anything, suggest a topic, or a guest!Central banks and governments have to create inflation, to protect the function of the current financial system. if they don’t, in the short term, it would create an absolute disaster that makes the pandemic appear a cake walk. You can take a conspiratorial lens on this if you like too of course, where there’s nefarious globalists trying to concentrate their power ushering in a new global order and common worldwide currency – but I don’t think you need to. The explanations still works if you can understand most influencers in the political realms thrive off incompetency. Personally, I can see a 'tick-shaped' recovery here with respect to property and the darker it becomes with the economy, the more whiplash some may experience when the re-bound occurs. Unless there's a qualitative and fundamental shift to how the current financial system works not just in NZ but in the rest of the world, we've already seen the playbook here. Once inflation seems like it may subside, we know what the RBNZ will do next.The question is - which side of this theory do you want to stand on?_______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Ask me anything, suggest a topic, or a guest!So where to from here with NZ property in 2022?Personally, I wouldn't want to be dependent on rising house values in the next 1-3 years. This would be of paramount concern if I owned a new-build investment property in a brand new subdivision, some apartments/terraced housing, and property in 'derivative' cities (or towns, where prices move as a function of the direction of price movement in Auckland).Selling into fear (like right now) is no longer an option for many everyday investors - getting a plan in place to weather a short-term interest rate storm, now that's helpful.Personally, I can see a 'tick-shaped' recovery here with respect to property and the darker it becomes with the economy, the more whiplash some may experience when the re-bound occurs. Unless there's a qualitative and fundamental shift to how the current financial system works not just in NZ but in the rest of the world, we've already seen the playbook here. Once inflation seems like it may subside, we know what the RBNZ will do next.The question is - which side of this theory do you want to stand on?________________________________Welcome to a bonus series, in partnership with koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi._______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Today, it’s all about building wealth in NZ – not the wealth that’s just for you me though/ This is a wealth that belongs to all of us. I know it sounds like a slogan coming off the back of a 3-way between me, the Maori Party and the Greens, if we’re not trying to restore the relationship that our indigenous people have had with their land, the land and the people may always suffer. If we’re building wealth in NZ, we have to do it for all of NZ. Not in a stinky sort of communist kind of way. Greg Hutana is services Manager at Gorilla Technology, and part of the Maori Initiatives team, a not for Profit Organisation : https://maoriinitiatives.org/Tahei Simpson([email protected]) is a financial advisor specialising in residential mortgages. Her passion is to help Kiwis navigate their way through the mortgage application process and provide them with the tools and knowledge to smash their mortgage and retire financially free. She created and hosted the New Zealand property television series On The Ladder, and is an accredited facilitator with the Sorted Kainga Ora financial capability programme. Far removed from her background in classical ballet, performance piano and acting, today Tahei is a volunteer board member and team manager at Auckland City Basketball, and an advocate for safeguarding kids in sport. Tahei has been based mostly in Mt Eden for 20 years, and with technology is able to service clients all over New Zealand and overseas.Today at the end of the episode I'm talking about being charitable, and giving a regular amount to registered charities. Check out this shortcut to episode 194 with Pat Shepherd from the one percent collective: https://player.captivate.fm/episode/84961952-5cd9-4c1c-90b6-253e42584b0aCredit: During this intro, I've taken the phrase 'the cis-gendered hetero-normative aggressors who perpetuate problematic toxic ideas of anglo-normativity' from Babylon Bee __________________________Support my work via Papal: https://paypal.me/TheEverydayInvestor?country.x=NZ&amp;locale.x=en_USBecome a supporter on Patreon and help advance the mission of the NZ Everyday Investor!_____________________________________________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.<a...

Terra and Luna comprised of a sophisticated 'stable coin' that relied on independent market participants arbitraging in order to achieve a 'peg', or anchor to the USD. You can read more about it here.Many never believed in an automatic, truly free-market system like this could have ever succeeded. Are they right, or are they only right for now?Time will tell but this is certain - trust has been shaken in the crypto-space and it's either going to get worse (with justifiable regulation now being welcomed in), or it's going to get better (if faith in traditional finance erodes at a faster pace).Special thanks to Paul Quickenden from Easy Crypto for joining Rupert Carlyon and I today on this show.Also, join kōura for a breakdown of their new specialty funds, followed up by a Q &amp; A session hosted by Carley Ellis from Ungaro &amp; Co - this Friday, 20th May at 11:00 AM. Register here: https://www.kourawealth.co.nz/koura-specialty-funds-webinar________________________________Welcome to a bonus series, in partnership with koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi.____________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Join kōura for a breakdown of their new specialty funds, followed up by a Q &amp; A session - next Friday, 20th May at 11:00 AM. Register here: https://www.kourawealth.co.nz/koura-specialty-funds-webinarGreg Hutana is services Manager at Gorilla Technology, and part of the Maori Initiatives team, a not for Profit Organisation : https://maoriinitiatives.org/Tahei Simpson([email protected]) is a financial advisor specialising in residential mortgages. Her passion is to help Kiwis navigate their way through the mortgage application process and provide them with the tools and knowledge to smash their mortgage and retire financially free. She created and hosted the New Zealand property television series On The Ladder, and is an accredited facilitator with the Sorted Kainga Ora financial capability programme. Far removed from her background in classical ballet, performance piano and acting, today Tahei is a volunteer board member and team manager at Auckland City Basketball, and an advocate for safeguarding kids in sport. Tahei has been based mostly in Mt Eden for 20 years, and with technology is able to service clients all over New Zealand and overseas.__________________________Support my work via Papal: https://paypal.me/TheEverydayInvestor?country.x=NZ&amp;locale.x=en_USBecome a supporter on Patreon and help advance the mission of the NZ Everyday Investor!_____________________________________________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends_____________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on...

Join kōura for a breakdown of their new specialty funds, followed up by a Q &amp; A session - next Friday, 20th May at 11:00 AM. Register here: https://www.kourawealth.co.nz/koura-specialty-funds-webinarInterested in chatting with an Ungaro &amp; Co financial adviser about koura KiwiSaver*? Make a 30 minute appointment now: https://calendly.com/ungaro/talk-to-us-about-kiwisaverYou should have some reasons for doing things, before you set out and do the thing. You should have some reasons to invest, or not invest in bitcoin. Today I'd like to help you in some way decide whether or not this is a space you should be playing. Spoiler alert: It's not about price, it's about using new tools to build wealth for the new world. This requires a new lens to view bitcoin for what it really is, but what we feel it's like.*If you use a financial adviser to arrange a KiwiSaver plan, you need to know that a fee will be payable to the adviser from the scheme. In some cases you will pay the fee directly to the adviser via the provider, and in other cases it may be included in the overall fee you pay. This allows you to receive advice independent from the provider at time of set up, and it appoints the adviser to manage your reviews going forward.__________________________Support my work via Papal: https://paypal.me/TheEverydayInvestor?country.x=NZ&amp;locale.x=en_USBecome a supporter on Patreon and help advance the mission of the NZ Everyday Investor!_____________________________________________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends_____________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself...

Join kōura for a breakdown of their new specialty funds, followed up by a Q &amp; A session - next Friday, 20th May at 11:00 AM. Register here: https://www.kourawealth.co.nz/koura-specialty-funds-webinarInterested in chatting with an Ungaro &amp; Co financial adviser about koura KiwiSaver*? Make a 30 minute appointment now: https://calendly.com/ungaro/talk-to-us-about-kiwisaverHold bitcoin as a hedge against the collapse of the worldwide financial system, or hold it simply for a chance to get a better-than-average return. You don't have to be an extremist, to hold extreme views with bitcoin - in similar way, you don't have to hold extreme views on bitcoin if you simply view it as a good asset to hold.Diversification (at the custody) layer with bitcoin can be incredibly important. While I'd suggest holding bitcoin directly is the way to go for many people, it's not suitable for everyone. This is why I've been so keen to see a provider in NZ take up the challenge of jamming it into KiwiSaver in a way that members control.So yes, you can now allocate some of your koura KiwiSaver scheme towards bitcoin. Please scroll up again if you would like Ungaro &amp; Co to assist.*If you use a financial adviser to arrange a KiwiSaver plan, you need to know that a fee will be payable to the adviser from the scheme. In some cases you will pay the fee directly to the adviser via the provider, and in other cases it may be included in the overall fee you pay. This allows you to receive advice independent from the provider at time of set up, and it appoints the adviser to manage your reviews going forward.__________________________Support my work via Papal: https://paypal.me/TheEverydayInvestor?country.x=NZ&amp;locale.x=en_USBecome a supporter on Patreon and help advance the mission of the NZ Everyday Investor!_____________________________________________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends_____________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite...

Interested in chatting with a financial adviser about koura KiwiSaver*?Make a 30 minute appointment now: https://calendly.com/ungaro/talk-to-us-about-kiwisaverWhen markets go up, OR when markets go down, it does something to us. When we prioritise our objectives ahead of our emotions, we win in the long term.Special announcement: You can now allocate some of your koura KiwiSaver scheme towards Bitcoin. Please scroll down to find out ways to get in touch should you require advice or facilitation around this.*If you use a financial adviser to arrange a KiwiSaver plan, you need to know that a fee will be payable to the adviser from the scheme. In some cases you will pay the fee directly to the adviser via the provider, and in other cases it may be included in the overall fee you pay. This allows you to receive advice independent from the provider at time of set up, and it appoints the adviser to manage your reviews going forward.________________________________Welcome to a bonus series, in partnership with Koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi.____________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

There’s education, and then there’s learning. Today on the NZ Everyday investor I’m happy to be able to speak with someone who’s been instrumental in providing nourishment to support my own personal learning habit – Martin Hawes. Martin is someone who’s still dedicating his life to learning also, and although he’s no longer a practicing financial adviser, his many books published over the years will continue to feed money-minds after he’s gone. I suspect a lot of his work, both in books but also in the many thousands of his one on one meetings he must have conducted over his career have become core building blocks that many NZ families have built financial independence on.Support my work via Papal: https://paypal.me/TheEverydayInvestor?country.x=NZ&amp;locale.x=en_USBecome a supporter on Patreon and help advance the mission of the NZ Everyday Investor!_____________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!5 - Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally,...

Welcome to a bonus series, in partnership with Koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi.____________________________________________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Which way will interest rates go, are we heading for a recession or even depression, and what’s the potential role that Bitcoin could play in the world we may currently being transitioning to right now?Konrad Hurren is my very special guest today - An econometrician fluent in the art of Austrian economics and an everyday person who understands Bitcoin. You're going to love the discussion today - I certainly didFor further reading/research, check out some of the work put out by BERL here: https://berl.co.nz/economic-insightsCheck out the Mises Institute as mentioned in the show: https://mises.org/Support my work via Papal: https://paypal.me/TheEverydayInvestor?country.x=NZ&amp;locale.x=en_USBecome a supporter on Patreon and help advance the mission of the NZ Everyday Investor!_____________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!5 - Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you...

Support my work via Papal: https://paypal.me/TheEverydayInvestor?country.x=NZ&amp;locale.x=en_USBecome a supporter on Patreon and help advance the mission of the NZ Everyday Investor!_____________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!5 - Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

Welcome to a bonus series, in partnership with Koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi.Globalisation leading to increased interdependency / Complacency / War / Pandemics / Supply chain and labor shortages / Inflation / Interest rate hikes / Economic crash / Deflation. This is the cycle we've seen before, around the time of WW1 to be exact - are we seeing a repeat or will it be different this time around?____________________________________________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Check out a great video by Joshua Wang detailing the Air NZ rights story in excellent detail: https://youtu.be/17Icr-wgPboSupport my work via Papal: https://paypal.me/TheEverydayInvestor?country.x=NZ&amp;locale.x=en_USBecome a supporter on Patreon and help advance the mission of the NZ Everyday Investor!_____________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!5 - Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

Welcome to a bonus series, in partnership with Koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi.____________________________________________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Check out the article in the NZ Herald that inspired this episode: https://www.nzherald.co.nz/business/darcy-ungaro-property-house-prices-should-your-home-be-an-investment-vehicle/EWRY3B5PUOATOVTZ6H5ON57774/Making money off of property may seem a little unethical these days - why? Because often those responsible for creating a housing crisis then making you feel bad about it, are great at what they do!Support my work via Papal: https://paypal.me/TheEverydayInvestor?country.x=NZ&amp;locale.x=en_USBecome a supporter on Patreon and help advance the mission of the NZ Everyday Investor!_____________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!5 - Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can...

Welcome to a bonus series, in partnership with Koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi.____________________________________________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Think investing in water, power of data networks is a bit boring?If you've ever wondered how to get a stake in some of the best monopolies that often fly under the radar - infrastructure is where it's at.Check out the following article mentioned today: https://kernelwealth.co.nz/wp-content/uploads/2022/03/Kernel-Research-Paper-2022-The-Role-of-Infrastructure-in-an-Investment-Portfolio.pdfCheck out Episode 200 as mentioned today: https://player.captivate.fm/episode/ec530810-cee3-437c-9742-256aa5ff71d8 Support my work via Papal: https://paypal.me/TheEverydayInvestor?country.x=NZ&amp;locale.x=en_USBecome a supporter on Patreon and help advance the mission of the NZ Everyday Investor!_____________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!5 - Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research,

Congratulations to the lucky winner of the 1 Oz Silver collectible coin courtesy of myGold!!If you'd like to learn more around investing when you're in a relationship, check out the following episode: https://player.captivate.fm/episode/c78a1688-5b32-4192-bd8a-bd329a2d93d1 OR watch the video here: https://youtu.be/EL3VWMhrI68 Support my work via Papal: https://paypal.me/TheEverydayInvestor?country.x=NZ&amp;locale.x=en_USBecome a supporter on Patreon and help advance the mission of the NZ Everyday Investor!____________________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!5 - Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

Raising or lowering the interest rates to combat inflation, may soon be a relic of the past. What am I talking about? I believe at some stage quite soon (like in the next 2-5 years), we’re going to see central bank issued digital currencies. If you’d like to check out an episode I did on this with the RBNZ, check out ep 185: https://player.captivate.fm/episode/5aee9607-995f-4ea3-87ed-b7407c69424fCentral bank issued digital currencies or CBDC’s will be a game-changer in so many ways, especially when it comes to targeting inflation. When a centralised authority has the power to influence the spending behavior at the individual level – it then becomes possible to manipulate the price of goods and services at the point of use. Don’t think this is significant? What happens to the property market when interest rates don’t need to move in response to changing economic activity? What happens to share markets when interest rates don’t compete with capital in the same way? The new world requires new strategies to build new wealth.Follow @KiwiEconomics on twitter to see more content from KiwiBank.Jarrod Kerr is the chief economist at KiwiBankCheck out the following article from Invest Now on inflationBecome a supporter on Patreon and help advance the mission of the NZ Everyday Investor!____________________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself <a...

Welcome to a short fortnightly series in addition to the weekly show. In partnership with Koura Wealth, your digital KiwiSaver provider, The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi.____________________________________________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Thanks very much to myGold for giving 1 Oz silver coin away to one lucky winner, worth $289.00 NZD. ENTER THE COMPETITION HERE! http://reporting.demand.co.nz/h/r/39B9BEC3C6F4EC9C2540EF23F30FEDEDYouTube Links:To watch this episode instead: https://youtu.be/3BRXTIukVIICoin Bureau: https://www.youtube.com/c/CoinBureau/featuredNicholas Merten / Data Dash: https://www.youtube.com/c/DataDashI am George / Cryptos r us: https://www.youtube.com/c/CryptosRUsIf signing up to Easy Crypto for the first time, please use my affiliate link____________________________________________________Paul Quickenden is my guest today, and he’s head of corporate development with Easy Crypto. Easy Crypto is a trusted crypto on and off ramp started here in NZ but operating in in Brazil, Australia and now South Africa - If you’d like to set up a new account your own with them, please use my affiliate link to sign up – This will result in a small share of the fees you pay being transferred to me in your first year. You are not paying higher fees as a result of this arrangement. I’d really appreciate the support!Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!____________________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite...

Thanks very much to myGold for giving 1 Oz silver coin away to one lucky winner, worth $289.00 NZD. ENTER THE COMPETITION HERE! (http://reporting.demand.co.nz/h/r/39B9BEC3C6F4EC9C2540EF23F30FEDED)____________________________________________________Investing in gold often comes with contrarian viewpoints, but I think it's part of having a balanced perspective on the world we actually live in. I suspect I’m in a small crowd who think this, but I’m of the view you can be a balanced person, while holding contrarian views. Just ensure you hold a few, ideally uncorrelated ones!Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!____________________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!5 - Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with...

ENTER THE COMPETITION HERE! (http://reporting.demand.co.nz/h/r/39B9BEC3C6F4EC9C2540EF23F30FEDED)Thanks very much to myGold for giving us Chris Howard for an episode, and for offering up a 1 Oz silver coin to one lucky winner, worth $289.00 NZD. ____________________________________________________Every day investors are the meat in the sandwich when it comes to some things. Stuck between a slice of woke-neo-communist barley bread of the far left, and a slice of mixed-nut from the conspiratorial far right, increasingly the middle's being taken over by extremists.It’s okay to imagine a world where your Amazon shares are up a billion %, and shareholders morph into the consumer, the product, the lender and the government. Just don’t back the team that feels there’s a growing chance things could snap back swiftly to the average, in more ways than one. Investing in gold often comes with contrarian viewpoints, but I think it's part of having a balanced perspective on the world we actually live in. I suspect I’m in a small crowd who think this, but I’m of the view you can be a balanced person, while holding contrarian views. Just ensure you hold a few, ideally uncorrelated ones!Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!____________________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself <a href="https://www.surveymonkey.com/r/3PM7ZCY" rel="noopener noreferrer"...

Welcome to a short fortnightly series in addition to the weekly show. In partnership with Koura Wealth, your digital KiwiSaver provider, The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi.The next show is going to be recorded live on Facebook, the 16th of March at 5:30pmHey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Watch the extended YouTube version here, complete with slides. Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!____________________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday people. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friendsThe question to ask, in time of course, is how this war may affect our investments. While I have to confess I’ve thought about this already, right now the thought of thinking about all that just seems so horribly distasteful in the context of millions of people being displaced and potentially hundreds of thousands being killed. There’s a lot to unpack and in due time I’ll get to it, but for now, I’d really like to encourage you think about the actual people suffering in all this. Forget what it means for you, forget about the politics and the perspectives of so-called experts – just put yourself in the minds of those who are now literally fighting an enemy they likely have not chance in defeating – the courage, the willingness to take arms and resist against an authoritarian like this, is absolutely amazing.Dr Reuben Steff is my guest today.Dr Steff has a PhD in Strategic Studies and a Masters in International Studies (MInSt) from the University of Otago,. He is a Senior Lecturer at the University of Waikato where he teaches courses on International Relations and Global Security.Apart from the books he’s written, he’s done research around (1) strategic vulnerabilities facing New Zealand, (2) US-China competition, (3) New Zealand and US foreign policy, the (4) implications of Artificial Intelligence for the global balance of power and small states, and the (4) intersection between nuclear deterrence theory, ballistic missile defence and the security dilemma.____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on...

Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!____________Today, you'll hear some opinions which will either help you see things clearly, or cause you to revisit the reasons why you think the way you do.Ashley Church is my guest today - if you want more from Ashley, follow him on Linked In, or check out www.ashleychurch.com____________________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!5 - Become a supporter on Patreon and help advance the mission of the NZ Everyday Investor!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

Welcome to a short fortnightly series in addition to the weekly show. In partnership with Koura Wealth, your digital KiwiSaver provider, The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi.Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all,&nbsp;it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto:&nbsp;easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on&nbsp;Facebook, or your favorite podcast player2 - Complete this survey!&nbsp;A Future Model of Financial Advice3 - To catch the live episodes, please ensure&nbsp;you have subscribed to us on Youtube:&nbsp;4-&nbsp;Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes&nbsp;- it should&nbsp;not&nbsp;be considered personalised financial advice for you. This means, you should either&nbsp;do your own research,&nbsp;taking on board a broad range of opinions, or&nbsp;ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation&nbsp;just&nbsp;click on this link

Find out more about the Fin-Ed Centre with Massey: fin-ed.massey.ac.nzCheck out the NZ Retirement Expenditure Guidelines: https://www.massey.ac.nz/massey/fms/Colleges/College%20of%20Business/School%20of%20Economics%20&amp;%20Finance/FinEd/documents/RetExpBudget_Report_June2021.pdfHave your say, tell me about yourself! Complete the following survey to have your say on what you want to hear in 2022!Try this handy retirement calculator: https://sorted.org.nz/tools/retirement-calculator/____________________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

____________________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Complete the following survey to have your say on what you want to hear in 2022!Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

____________________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Complete the following survey to have your say on what you want to hear in 2022!Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends____________________________________________________________So what's next for you?Well, you may want to consider the following... 1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on YouTube 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

Some of you listening may shortly feel a lump of lead in your belly, like the sky is falling all around you and the end is nigh – truth is independent of you knowing about it.&nbsp;Ignorance to this stuff is bliss, but it’s also super dangerous I wonder – so my goal is to get you thinking today of course, and I’d like you to consider how standing up today may be the best shot at being able to stand tomorrow. That sounds like some sort of quote someone else said so apologies if that was you - anyway …. some of you may feel like perhaps I’m suffering mental health issues – honestly, that’s the most benign outcome I’d hope for.I’m not saying we shouldn’t have genuine concerns of a communist takeover of the South Pacific, but I have used that as an example to show that it’s not about intellectual reasoning here, it’s about feelings.&nbsp;Some super helpful links:The life-cycle of nations which outlines the seven stages that all states in the past have followed https://historyofyesterday.com/the-life-cycle-of-empires-and-nations-a858e25fe250An article on what's happening in UAE: https://edition.cnn.com/2022/01/24/middleeast/uae-ballistic-missiles-abu-dhabi-intl-hnk/index.htmlNZ Trade minister tells us the truth:https://www.newshub.co.nz/home/politics/2021/05/good-guy-labour-mp-says-no-reason-to-believe-former-colleague-had-links-to-chinese-communist-party.html.&nbsp;New Zealand and the CCP’s ‘magic weapons’ by Anne-Marie Brady : 2018https://www.journalofdemocracy.org/wp-content/uploads/2018/04/08_29.2_Brady_-pp._68-75.pdf.&nbsp;https://www.nzherald.co.nz/nz/anne-marie-brady-case-jacinda-ardern-pushes-back-on-oz-claim/RZMJGCGCAI3BQFSMRNK4AT7EQ4/’&nbsp;Curious timing of North Korea missile test: https://thediplomat.com/2022/01/after-resuming-trade-with-china-north-korea-fires-another-2-ballistic-missiles/Summary of the Art of War: https://jamesclear.com/book-summaries/the-art-of-warRussia and China ramp up informal alliance:&nbsp;https://www.voanews.com/a/china-deepens-informal-alliance-with-russia/6338773.htmlRussia, Iran and China alliance: https://www.thenationalnews.com/opinion/comment/2021/11/21/what-is-iran-getting-out-of-its-alliances-with-russia-and-china/_________________________________________________________________________________Complete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build...

 If you’re like me, and you have that one friend who just doesn’t stop reminding you to buy an NFT, well this show is for you, because you can follow along if you like. I’m buying an NFT today on the Solana network – it’s fast, and it’s cheap – and it’s the cheap bit that’s hopefully saved me from the wrath of my better half but hey – I own a digital tree!Links:Watch YouTube version here.What's an NFT on YouTubeHow to set up a Phantom wallet on Brave Browser on YouTubeDownload Phantom WalletA bit about the NFT I bought (note: I only bought this because it was cheap and easy!) / Check out Soltreez on the Magic Eden market placeComplete the following survey to have your say on what you want to hear in 2022!Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Complete the following survey to have your say on what you want to hear in 2022!Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA__________________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just <a...

Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Complete the following survey to have your say on what you want to hear in 2022!Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA__________________________________________________________________Of course this isn't an 'either or' thing here just like so many areas of investing, but I've yet to see any finance commentators touch on this topic, Here goes!Simultaneous investing is most likely the smartest thing for many of us to do - no matter if it's a lump sum to invest, or you have a regular amount to invest which is the same each time, investing in a bunch of stuff all at once could be the way to go. You've decided perhaps on the ideal portfolio, so why not contribute to everything all at the same time? This makes sense especially, if you're a fan of diversification and not timing the market.Sequential investing on the other hand, is about focusing on building up key elements of your portfolio one after another, ideally starting with the higher risk components first. Given this is a more concentrated strategy which offers little diversification through time (as you're focusing all your investing power in just one area before moving on), it lends itself to smaller, satellite components of your portfolio.Watch the video referred to in today's podcasts here._______________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 3 - Sign up to our newsletter here4 - Tell me more about yourself here, and have your say on what you'd like to hear more of in 2022!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just...

Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Have your say on what you'd like to hear more of in 2022!Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoASo what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - To catch the live episodes, please ensure you have subscribed to us on Youtube:&nbsp;3 - Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________

Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoAAndrew Malcom is my host today in the first episode for 2022You can check out the good work of Mortgage HQ here, and check them out on YouTube also.______________________________2021 showed us the extent that government and central banks around the globe are willing to go to, to maintain the integrity of the status quo – 2022 will bring more consequences of this approach I think. In 2021, we saw how the beneficiaries of loose monetary policy – property owners specifically, were turned against, as if they themselves were responsible for the cheap and abundant credit and rising inequality the reserve bank and government created. In 2022, you’ll see the new enemy is now medium sized business owners – who, in the midst of inflation we haven’t seen in decades, rush to increase prices yet resist requested pay increases from employees. Let’s be clear though – when you hear about this – it’s just inflation – and it comes about when there’s too much money chasing too few goods and services – it’s not caused by greedy business owners. Economics will yield to politics for only so long but For the benefit of all NZ we need to defend the pillars of the economy because in 2022, they’ll come under attack again, and sadly the attack will come from those with no skin in the game, and zero accountability.The good news though, - the scarier things get out there, the better it is for those who run against the tide – those who bet against the herd. When there’s greed, be fearful, when there’s fear, be bold – there may be further subtle shades of this phrase revealed in 2022 – But There’s a strategy here for the everyday investor like you and me. __________________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - Complete this survey! A Future Model of Financial Advice3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking

Check out the episode mentioned around Core-Satellite: https://nzeverydayinvestor.simplecast.com/episodes/what-is-core-satellite-investing-dean-anderson-and-catherine-emersonCheck out this video on the CCCFA: https://youtu.be/AHzA-z8G4XAHey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. A small portion of the fee charged will go towards supporting the efforts of this podcast.Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA__________________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - Complete this survey! A Future Model of Financial Advice3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________

Blockchain what?! There’s a short video I’ve done on this topic if you want to get an injection of knowledge around this fast: https://youtu.be/i5bWkSsLmfc) . Democratising debt - what's the big deal? How this will happen (ie, through the use of Non-Fungible Tokens) and what this means for you and me is quite something, given the size of debt markets internationally.Investing in a debt-instruments like bonds aren’t new -but let’s be honest, it’s not that sexy. I think we’re bringing sexy back with today's episode just quietly.Like today's topic, investing in crypto involves so much more than waiting for the price to go up. There’s a platform I use to earn yield from some of my crypto-assets – it’s called Celsius (and here's an affiliate link if you want to support the show https://celsiusnetwork.app.link/191578f83e I'm currently earning earn 5.35% on my Ethereum, which is payable in Ethereum. Now from a risk point of view, we’re not comparing apples and apples here with a term deposit so please don't look at this as a low risk investment option but it paints a picture. A lot of decentralised finance appears to the outsider to me mere speculation - but once you accept it for what it is, you can see just how disruptive this is going to get. Already I can make this choice: Invest in a term deposit and earn maybe 2% but then I'm left with dollars that were worth far more when I started saving them. – the interest rate is rubbish and my dollars are depreciating. On Celsius, I’m getting 5.35%, and the asset saved, in this case Ethereum,  has increased by around 6 times this year alone. No it’s not perfect and it’s not without risk, but it’s part of the same future we’re talking about today.Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets. Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_______________________________________Some essential listening:https://nzeverydayinvestor.simplecast.com/episodes/whats-an-nft-and-should-you-even-care-ep-201https://nzeverydayinvestor.simplecast.com/episodes/digital-id-digital-wealth-ep-199https://nzeverydayinvestor.simplecast.com/episodes/breaking-news-central-bank-digital-currencies-ep-185https://nzeverydayinvestor.simplecast.com/episodes/cbdcs-crypto-and-tax-campbell-pentney-ep-169https://nzeverydayinvestor.simplecast.com/episodes/power-to-the-people-ep-175-mark-pascall<a...

Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets. Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA__________________________________________________________________The Core/Satellite framework, what can be an everyday investors best friend. What a 'core' though?It's when about 50%+ of all your investments meet the following criteria (and no, this doesn't have to be a strict rule!)Diversified (Different styles, sectors, companies, perhaps even timeframes)Low cost (again, not a hard and fast rule, but the core should largely be 'set and forget')Acceptable volatility (all investments go up and down in value but due to diversification, if done well, this should be reduced)The core component 'gives you the market' and your reward is compounding returns over time. What's a 'satellite'?It's concentrated (more eggs in one, hopefully successful basket, gives you the opportunity for out-performance)It's higher cost (not always, but often the fees or transaction costs could be higher)It's more actively managed (either by you, or an active manager that you appoint)Your satellite gives you a fighting change of getting a better return than what the average market return could be over time. It limits your downside at the same time.Today, what about property? Many Kiwi's likely view this as their core component, but considering the above, does it hit all the criteria?This was the last News of the Money-World for 2021 - hope you enjoyed it - see you all in 2022So what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - Complete this survey! A Future Model of Financial Advice3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link 

Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_______________________________________Some essential listening:https://nzeverydayinvestor.simplecast.com/episodes/whats-an-nft-and-should-you-even-care-ep-201https://nzeverydayinvestor.simplecast.com/episodes/digital-id-digital-wealth-ep-199https://nzeverydayinvestor.simplecast.com/episodes/breaking-news-central-bank-digital-currencies-ep-185https://nzeverydayinvestor.simplecast.com/episodes/cbdcs-crypto-and-tax-campbell-pentney-ep-169https://nzeverydayinvestor.simplecast.com/episodes/power-to-the-people-ep-175-mark-pascallhttps://nzeverydayinvestor.simplecast.com/episodes/stablecoins-in-a-changing-new-world-ep-156https://nzeverydayinvestor.simplecast.com/episodes/inflation-modern-monetary-theory-and-you-148-oliver-hartwichEveryday investors may have more choice and lower barriers to entry when investing in shares, but investing in debt-markets is neither exciting, nor that accessible.&nbsp;All of this could change fast from here.Will Remor is well known in the blockchain community here in NZ, and is actively involved with projects like Maker DAO.Today is the first part in a two part series. Overall, here's what we're aiming to cover:1. balance sheet basics&nbsp;2. balance sheet for financial services&nbsp;3. 101 on lending – how does it work from a banks perspective4. how financial services uses this thing securitisation to help fund lending activities5. how to bring that securitisation on-chain via nfts6. how Defi creates additional sources of liquidity which diversifies the funding base...

Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets.&nbsp;Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_______________________________________Check out the article mentioned at the start of the show hereRead about the future of financial advice here&nbsp;1971 was an interesting year in music and in the world of finance. Nestled among The top 10 rock songs of 1971 you’ll find gems like American Pie by Don McLean, Won’t get fooled again by the Who, Riders on the storm by the Doors and Oye Como Va by Santana.&nbsp;The Bretton Woods agreement became fully operational in 1958, where international currencies could be traded for USD, and these USD could be converted to Gold – Now guess when this all changed 1971, when US President Richard Nixon took the US dollar off the gold standard.&nbsp;Socially, maybe it was 1971 when the pendulum the baby boomers set in motion began. Perhaps enough of them doing all the same thing and thinking the same thoughts at the same time perhaps created this present age more than we appreciate - they all left home, got married, popped out a few kids and bought property pretty much all at the same time– they had enough war talk from their parents, let’s live they thought – and they did.&nbsp;So 50 years later, here we are in 2021... Is the music as good as it was in 1971 – eh meh, perhaps its only in the money-space where we’ll see some patterns persist.&nbsp;__________________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - Complete this survey! A Future Model of Financial Advice3 - To catch the live episodes, please ensure you have subscribed to

Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets. Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_______________________________________Changes to the KiwiSaver default scheme announced earlier this year are now currently being implemented. Will the approx. $2.5b of money moving around affect the markets? (spoiler alert - not likely, as only around $250m are invested in the local markets).Omicron, now that's interesting. Yet another reminder we're not through this 'thing' yet. FYI here's a great bit of knowledge - Did you know Omicron is an anagram for Moronic? Now that's fascinating!Congrats to our listener randomly chosen to win $50 into their KiwiSaver! All you need to do is watch, comment or like, and you'll go into the draw.Tune in next on Wednesday the 15th of December, at 5:30pm on the NZ Everyday Investor Facebook page__________________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - Complete this survey! A Future Model of Financial Advice3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________

Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets. Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA___________________________________________________NFT's have the potential to change everything about how unique items can have standardised value, and 'bridged' to the digital world. This isn't a gimmick - I thought it was a bit when I first heard about it - one of the reasons for the delay in covering this perhaps. As it turns out, no one is immune from being closed-minded!WATCH THE YOUTUBE VIDEO HEREHeard of an NFT? https://www.investopedia.com/non-fungible-tokens-nft-5115211 History / Examples of NFTs from back in 2017 Crypto Kitties https://www.cryptokitties.co/ Crypto Punks https://www.larvalabs.com/cryptopunks Current hot NFTs collectables (Brands love it for ownership and ongoing royalties) Bored apes https://opensea.io/collection/boredapeyachtclub https://boredapeyachtclub.com/#/ NBA Top shots https://nbatopshot.com/ https://nbatopshot.com/search?orderBy=PRICE_USD_DESC Disney Marvel https://www.veve.me/ The Matrix https://niftys.com/ Digital fashion NFTs collectables Adidas Nike (digital fashion) https://www.coinspeaker.com/adidas-coinbase-the-sandbox/ Puma The Fabricant https://www.thefabricant.com/ Wilder world shoes https://www.wilderworld.com/ Yield generating NFTs Wilder World cars - lease and stake your cars back to the game https://www.youtube.com/watch?v=295z5G4WIfM&t=10s https://opensea.io/collection/wilderworld Axie infinity - breed Axies, battle https://axieinfinity.com/ https://dappradar.com/nft Virtual Land ownership https://www.nftsstreet.com/virtual-land-nft/ Prices of these NFTs https://www.finder.com/most-expensive-nfts Beeple $69 Million most expensive sold at auction Bored Apes - revenue turnover. / resale royalties Since April 2021 https://dappradar.com/ethereum/collectibles/bored-ape-yacht-club https://www.nft-stats.com/collection/boredapeyachtclub https://opensea.io/collection/boredapeyachtclub https://boredapeyachtclub.com/#/ The future of NFTsVaccine Passport Fractionalised Ownership Intelligent NFTs Yield generating NFTs__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1 - Write a review on Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- <a...

Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets. Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA____________________________________________Blockchain technology, a transparent and open governance system, and private enterprise, may assist in helping humanity new types of wealth as we transition further into the digital age.On the flipside of this coin, it can dark, real fast – Are we giving up too much of our freedom here for convenience and for the promise of something better? Will the aggregation of our data and the tendencies for over-bearing governments lead to honey pots of identity, wide open to be harvested from bad actors?Going even further, will the inevitable linkage between our health status, our ID, and our currency, potentially increase the odds of us heading towards a dystopian future with biblical proportions?James Brown is the Director of global partners APLYiD. Using biometric technology, APLYiD provide onboarding solutions for organisations that need to quickly and safely verify new customers. Every time you open a new investment account, bank account, purchase a property, you’ll know what a pain it is jumping through identification hoops and how a simple thing like not having a bank statement posted to your current physical address can really make your life difficult – well, fortunately, there's private enterprise out there making it easier to comply with legislation aimed at reducing terrorism and money laundering.For further research (which I highly recommend on this topic!), check out the following:For more information on ID 2020 and who’s backing it, then check it out here: https://id2020.org/allianceThe Microsoft Central article mentioned in the show can be found here: https://www.windowscentral.com/microsoft-universal-digital-identification-and-youYou can learn more about APLYiD here: https://www.aplyid.com/aboutYou can read more about Digital ID here: https://unlimitedhangout.com/teachnocracy/And for something completely different, the below was written about 2000 years ago...it's probably nothing...Revelation 13:16-18It [the beast] also forced all people, great and small, rich and poor, free and slave, to receive a mark on their right hands or on their foreheads, so that they could not buy or sell unless they had the mark, which is the name of the beast or the number of its name. This calls for wisdom. Let the person who has insight calculate the number of the beast, for it is the number of a man. That number is 666.__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1 - Write a review on Facebook, or your favourite podcast player2 - Help support...

A special message to the crypto-curious – Investing or holding Bitcoin isn’t like the other investments you may understand. The standard disclaimer is get some financial advice - here's the problem though...not many advisers are comfortable doing this yet. Two things: If you want financial advice from someone qualified and formally educated in this space, then I'm happy to assist (check out below for ways to make contact). Secondly, if you're a qualified financial adviser who does work in this space, I'm interested in knowing who you are!If you do decide to 'go it alone here', do your own research, and plenty of it! Stick with the mainstream assets and beware of scams or people encouraging you to buy the latest coin you've never heard of. Beware of impersonators also - I will never ask you to send me any crypto-assets.Today's important though - we always wish 'we should of got in ages ago'. If you can, and you've done your due diligence, what's next? 1 - Holding Bitcoin directly is 'simple' and the lowest cost of way of doing it. If you'd like to support the NZ Everyday Investor and you're ready to start, use this affiliate link to get started with Easy Crypto. 2- Gain exposure to the price movement through Bitcoin ETF's (Exchange Traded Funds). Jump on to your Sharesies or Hatch account and do a search for Bitcoin ETF3- Invest in through Vault Digital Funds to gain access to several 'spot' Bitcoin funds on the Invest Now Platform. You can learn more about it hereCheck out the link to the article around this mentioned in the podcast today: https://www.kourawealth.co.nz/blog/does-cryptocurrency-fit-into-a-diversified-investment-portfolioCongrats to the winner of the $50 KiwiSaver credit, care of kōura KiwiSaver! No matter which provider you're with, if you tune in live and like the live Facebook video we'll pick a random name every fortnight to drop a $50 note in there. Tune in, like them all - make your retirement even better, and you'll learn something on the way!Tune in next on Wednesday the 1st of December, at 5:30pm on the NZ Everyday Investor Facebook page__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1 - Write a review on Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - Tell your friends!7 - Subscribe!NZ Everyday Investor is on a mission to increase financial...

I'm so thankful to be chatting with people far smarter than me, and it's awesome to share this journey with you - welcome to today's episode: Alphabet Soup with Jarrod Kerr, chief economist at KiwiBankIf you're not working, and it's more about living off the fruits of your labour, or if you're career hasn't really started off yet, may be you can get away without understanding much of what we're talking about today. If you're in the middle however - you know, that bit where you have work your guts out for about 4.5 decades, I think you'll find today interesting.__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1 - Write a review on Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - Tell your friends!7 - Subscribe!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________

Pat Shepherd, from the One Percent Collective, is my special guest today. For many investors, it's important to have a sense of meaning behind the act of investing. Goas are awesome, powerful tools to achieve what you want, but purpose can make the whole think take on another dimension entirely.After you and your own look like they'll be on track for being fine, even before they actually are, I see real value in the act of generosity. It's obvious the benefits to the donee, but to the donor, I think some tangible and measurable benefits could also apply.So here's the challenge - if you can*, donate a percentage of your income to a charity - simple. If you haven't observed an increases in your income after a year or so (after inflation), then consider this challenge a fail if you like - I certainly won't judge you either way! At least have a think about it - Investing shouldn't be about greed and isolationism - ideally it should be about abundance and community. Do you want to create a better country in a way far more efficient than a government could ever create - #getgiving!*check out some rough guidelines here if you're new to any space of generosity or philanthropy:Regular donations are far easier than one-off payments, much like dollar cost averaging with investments can be easier to stick with compared to be lump-sum investments.Only donate an amount that you're able to lose. Don't go into debt to donate!Don't feel bad if you can't do this, but if you've never tried it, I don't think it's harmful to give it a go.Don't forget to that donations to registered charities are tax-deductible!__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1 - Write a review on Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - Tell your friends!7 - Subscribe!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________

Charts!Feel free to check out the live session on Facebook, or alternatively, you can view the charts referenced down belowHistorical USD chartHistorical Gold chartHistorical Bitcoin chartS&P 500 chartRelativity is hard to get our heads around. While we've been focusing on rising asset values (property, shares, Bitcoin etc.), I wonder if we've missed the other story here. Part of the return you get from investments, is a form of compensation for the fact your purchasing power fades over time. Sadly, inflation robs those who believe in the power of savings, and transfers wealth to those who take risk. Often those who take risk (hopefully), have a longer investing timeframe. Here, you can see the transfer of wealth from one generation to the next through the conduit of inflation. I think it's interesting anyway!Congrats to the winner of the $50 KiwiSaver credit, care of kōura KiwiSaver! No matter which provider you're with, if you tune in live and like the live Facebook video we'll pick a random name every fortnight to drop a $50 note in there. Tune in, like them all - make your retirement even better, and you'll learn something on the way!Tune in next on Wednesday the 17th of November, at 5:30pm on the NZ Everyday Investor Facebook page 

Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets. Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_______________________________________Check out tonyalexander.nz to sign up for the free, weekly newsletter, or better yet, spring for the premium version if you can!There are a whole host of things that may bring the NZ property market down. We haven't seen this for a while, and I wonder if we're ready for this.As mentioned in this show, please watch this short video around the CCCFA. Special announcement: This Friday, and hopefully every Friday going forward, it's TGIF. A shorter, opinion-style show where I tell you what I really think. If you have an idea for a topic or a question you want to pose, reach out and I may turn it into an episode.                                                  _____________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1 - Write a review on Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link                                                 _____________________________________

Today the topic is Family Trusts. The idea with a family trust is that you now no longer own your own home as an example, the trust does – so if someone ever came after you legally, your assets are in theory, safe and sound behind a type of firewall.Check out another podcast episode around family trusts, which specifically covers off what they are still good for. Mason Lockhart is my guest today – Mason runs a law firm here in Auckland and has a deep understanding of today’s topic. Now if you have a family trust, the lawyer who set up your family trust can, and should be explaining to you the point of your family trust every now and then. Like insurance, you need to be reminded occasionally why you have it, and if things have changed, perhaps your insurance needs to change also. _____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1 - Write a review on Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - Tell your friends!7 - Subscribe!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________

Today my guests are:Rupert Carlyon, from koura KiwiSaverMark Fowler, from Hobson WealthJust a few people on the internet talking about:The next potential 'taper tantrum'?The destructive debt domino disease straight out of China.Some good news, thenFinishing up on a few thoughts on interest rates - where to from here?Congrats to the winner of the $50 KiwiSaver credit, care of kōura KiwiSaver! No matter which provider you're with, if you tune in live and like the live Facebook video we'll pick a random name every fortnight to drop a $50 note in there. Tune in, like them all - make your retirement even better, and you'll learn something on the way!Tune in next on Wednesday the 3rd of November, at 5:30pm on the NZ Everyday Investor Facebook page  

Trustees Executors - a 140 year old institution that's in the business of trust.Trust is the foundation we all have to build on when investing. If it's shaky, the wealth you're building may still give you comfort later on, but with too much anxiety on the way there.My guests today?Ryan Bessemer is the CEO and Executive Director Robert Sloan is the Chief Risk Officer and General CounselDO YOU STILL NOT HAVE A WILL SORTED OUT? There are many ways you can sort this out either online or with your lawyer. If you like, you can make a start with Trustees Executors here. _____________________________________________________________Congrats to the winner of the $50 KiwiSaver credit, care of kōura KiwiSaver! No matter which provider you're with, if you tune in live and like the live Facebook video we'll pick a random name this coming Wednesday to drop a $50 in there. Tune in, like them all - make your retirement even better, and you'll learn something on the way!Tune in this on Wednesday the 20th of October, at 5:30pm on the NZ Everyday Investor Facebook page_____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1 - Write a review on Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - Tell your friends!7 - Subscribe! NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________   

Last week I had the pleasure of commenting on this exciting new Bitcoin fund by Vault Digital Funds by Stuff - you can read the article here. Learn more about how to access the Bitcoin only fund on the Invest Now platform. Check out my latest YouTube video around Bitcoin here Still keen to own Bitcoin on your own wallet but don't know where to start?  I recommend Easy Crypto for any  Crypto buyer. If you're ready to get into Bitcoin, make a start here by setting up an account with Easy Crypto . **Disclaimer: There is an affiliate fee payable to me from Easy Crypto when you click on the above link. _____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1 - Write a review on Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - Tell your friends!7 - Subscribe! NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy ([crypto-friendly]financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________ 

Investing in a HOT market? What do you do - Sit it out, or giddyup? Either way, you ideally need to proceed with a strategy. Today we're talking about the value-investing methodology. Specifically, how do you find value in a market such as this? Check out Investing With Tom on YouTube. Congrats to the winner of the $50 KiwiSaver credit, care of kōura KiwiSaver! No matter which provider you're with, if you tune in live and like the live Facebook video we'll pick a random name every fortnight to drop a $50 note in there. Tune in, like them all - make your retirement even better, and you'll learn something on the way!Tune in next on Wednesday the 20th of October, at 5:30pm on the NZ Everyday Investor Facebook page

The report mentioned in the show is found here. To find a trusted financial adviser in your area, find one here.Today I’m talking with Katrina Shanks. Katrina is the chief executive officer of Financial Advice New Zealand , an industry body that all types of financial advisers belong to.Katrina’s also a chartered accountant AND was a member of parliament for about 11 years. Now if you’ve ever wondered about seeking financial advice and you can’t quite figure out if you’d really benefit from it, then I hope you find today insightful. Today we'll be discussing some research which shows the difference that receiving financial advice makes in the lives of everyday investors.______________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1 - Write a review on Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - Tell your friends!7 - Subscribe! NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy ([crypto-friendly]financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________

The Reserve Bank of New Zealand is New Zealand's central bank. It was established in 1934, and although not a government department, has been wholly owned by the government of New Zealand since 1936. Like most central banks, the Reserve Bank is primarily a policy organisation, and exists to do three main things:formulate and implement monetary policy to maintain price stability and support maximum sustainable employment;promote the maintenance of a sound and efficient financial system; andmeet the currency needs of the public.So, why should you care about this topic. Well if you care for a chance to grow wealth in traditional markets, you’ll need financial stability. It’s hard to make a plan with your investing without knowing the returns and the risks. Between now and when you’re ready to spend the resource you’re trying to grow now, you need to know some things will never change. Today, you’ll hear how Central Banks around the world have been looking into this space of CBDC’s for quite some time. There’s been some progress I’m sure, but now stablecoins and decentralized finance could usher in some serious creative destruction. With the arrival of Blockchain powered, decentralized networks which can form the building blocks of an alternative financial system, there’s now a reason to move forward even faster. One of the roles of the central bank of NZ is to maintain an efficient financial system – but unless they ‘step up’ to the plate so to speak, the vacuum left behind could suck in other actors that may undermine NZ’s monetary sovereignty.It was James A Garfield who said: ‘He who controls the money supply of a nation controls the nation.”______________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or...

Cat and Christine are the hosts of  'It's No Secret' - Podcast, every Tuesday - Check them out!!Bitcoin is for everyday investors, because when it's not busy completely replacing the global financial system, it's just another thing you can invest in. It shouldn't be a big deal right?While it's just another investment option, it's quite a different one. I recall watching a documentary on light a few years ago - If my memory serves, physicists don't yet agree on whether or not light is a particle of a wave. In Bitcoin circles, regulators are trying to figure out whether or not it's a currency, or a security. I think it's something entirely different, and we should all take a bit of notice to what's going on in this space.Even Satoshi Nakamoto him/her/themselves called Bitcoin a peer to peer electronic cash system - but as a medium of exchange only, Bitcoin hasn't really found it's place. It's almost as if it's showing us what it wants to become. So far we can see it's kind of like money, it's kind of like gold, and it appears attract itself to countries and individuals on the fringe, who dream dreams of big changes in the future.The core argument of Bitcoin is around centralized vs decentralized authority. Will Government and Central Bank control currency in 10 years time, or will that power finally be able to rest on the shoulders of the community instead? I'd be amazed to see this kind of power-transfer happen with ease, however.There's a deafening silence around Bitcoin at the moment in the financial advice community too, but that will change. We're having to make a choice in this fork in the road. Bitcoin could be the vaccine for a financial pandemic yet to come, or it could just be a waste of time: Choose your side.Hope you enjoy the show today. Many thanks to Catherine for allowing me to babble on today on her podcast - I hope you get something out of it. I recommend Easy Crypto for any  Crypto buyer. If you're ready to get into Bitcoin, make a start here by setting up an account with Easy Crypto . **Disclaimer: There is an affiliate fee payable to me from Easy Crypto when you click on the above link.__The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to...

Evergrande is the first positive case of what potentially may be the next global (financial) pandemic. Having said that, it may be absolutely nothing to worry.https://www.theguardian.com/world/2021/sep/21/evergrande-will-it-collapse-and-what-would-happen-if-it-didBe sure to catch the live recording every fortnight at 5:30pm (Wednesday) by following the NZ Everyday Investor on Facebook

Is your home REALLY your castle? If you hold wealth via property - it's only 'real' if your CONNECTION to that title can be trusted.In the new world we're heading into, increasingly there may be higher standards that use better technology in the area of storing title information. If you think of LINZ (Land Information NZ) as a reference point - if this database ever becomes powered by blockchain-based technology, then the future is much closer than many of us think.Today however, we're talking primarily aboutFee Simple titleCross-lease titleLeasehold title, andUnit titleEnjoy!If you're keen to reach out and work with Mason Lockhart, you can find the details hereAs mentioned in the show - there are some significant changes coming in the banking area shortly - undoubtedly this will affect many prospective, and existing homeowners. It may also affect the NZ economy. Check out this video for more ___________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link______________________________________________________________________

Check out 'Concentration vs Diversification' on YouTube. Welcome to a special episode this week with Kristen Lunmen and Rupert Carlyon about Managed funds vs individual shares – which strategy is best?By 'spreading you eggs' over many baskets - you MAY be able to reduce some of your losses should a share market correction occur - but this may come with potentially less 'over-performance', relative to the returns of a concentrated strategy.Investing is as much about trying to grow your wealth, as it is about trying to protect your wealth. It would be far easier if there was just one way to invest, but there isn’t. Sometimes it’s an either or type thing, but with today, it’s more about a spectrum: You may gravitate more towards managed funds if you prefer to put your faith in the compounding effect of the market, or you may gravitate towards shares, where you put your faith behind a specific company or small group of them I think investing in managed funds and individual shares to some degree, can make sense for many of us who aren’t meant to be at the extreme ends of that spectrum. ___________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link______________________________________________________________________

Managed funds vs Shares?It's kind of like an extension of diversification vs concentration in a way. Kristen Lunmen, GM and co-founder at Hatch joins me along with Rupert Carlyon for a light hearted debate over the pro's and con's of each.Check in with Facebook at 4pm this Friday the 10th of September for the livestream here: https://www.facebook.com/TheNZEverydayInvestor/BUT...don't worry if you miss it, as this will be released on the main podcast this coming Monday. 

Check out the recent guidance that the Financial Markets Authority recently published around Finfluencers: https://www.fma.govt.nz/news-and-resources/reports-and-papers/guide-to-talking-about-money-online/According to the Financial Markets Authority, "it’s fine to talk about financial matters online, as long as you keep it general" As someone who talks about money professionally and just for fun, I’m keen to understand the rules in both spaces. If you're relying on a wide range of content to power your due diligence, then there's a few things you should know also.Thanks to platforms like Sharesies, and Hatch, access directly into sharemarkets have been improved significantly – this is awesome.But running parallel to the democratization of access, is the democratization of financial advice too. Everyday people, and not just those who can access qualified financial advice from licensed operators, can benefit now from a wide range of content that comes from international and local sources, qualified, amateurs, experienced and brand new to the game – perhaps this is the next generation of financial adviser, potentially in function if not by name?Also as mentioned in the show: Check out the latest video on YouTube - please like and subscribe while you're there____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this...

Depending on how you're wired, you're going to gravitate easily to one end of the diversification-concentration spectrum. In a well constructed portfolio, it is possible for you to assemble the best components from each of these philosophies - today I'm going to discuss some of these ways.If you like to take more of a deep dive into diversification, check out this episode: [https://nzeverydayinvestor.simplecast.com/episodes/allocating-assets-growing-the-pie-rupert-carlyon]If you're interested more in concentration, check out the link in the notes for episode 115 with Cole Hauptfuhrer: https://nzeverydayinvestor.simplecast.com/episodes/the-intelligent-lazy-investor-cole-hauptfuhrerThe NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more.Just go to https://hatch.as/NZEverydayInvestor to grab your top up.Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube:5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

 Rockets and Financial Advice both can be full of hot air, but still take you places.Episode referred to of the Peter Beck / NZ Business Podcast.Research referred to - Those who receive financial advice are 5% better off.

If you want an answer from me around 'How Long Should I Fix my Mortgage For?', this is not the episode you're looking for I'm afraid. Instead, I'm sharing a framework here for how you may wish to go about thinking about this decision.My opinion pertaining to interest rate expectations, like anyone's really, is absolute garbage. Luckily, knowing which way things are going is not what's important anyway - instead, it's more about understanding &nbsp;your world in the context of a wider world, that makes all the difference.&nbsp;In this episode, I'm trying to share a framework of understanding of sorts so you can make a better decision next time you're thinking of fixing an interest rate. Please note that any comments made about current events that could shape the direction of interest rate movements are for illustrative purposes only and should not inform your decisions. It's an absolute possibility, perhaps even a certainty, that rates could increase shortly. Again, don't use this episode to make a decision on - I'm trying to teach you how to think about this, not what to think (dare I say the government hates competition here!)Learn more about inflation and how the Reserve Bank may respond to it on Ep 172 with Sharon Zollner&nbsp;Learn more about modern monetary theory and inflation here on Ep 148 with Oliver Hartwich.&nbsp;If you'd like to understand how the global financial system works, as explained by Simon DixonIf you'd like to hear how retail banks create money out of 'thin air' by Richard Werner&nbsp;As mentioned in the show, the best advice I'll ever give you on a show which 'isn't financial advice', is to get real financial advice whenever you can. Getting advice when you re-fix your mortgage is the most common-sense place to start.If you want to be connected to a mortgage adviser in your area, use this link courtesy of Financial Advice NZ - Find an AdviserAs mentioned in the show, if you want to make a time with Darcy Ungaro, for an 'initial consultation' to discuss anything to do with mortgages or property, book a time here.&nbsp;____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more.&nbsp;Just go to <a...

Now as s a warm-up to this show, you may wish to check out what is a Stablecoin Ep 156 and what is De-centralised Finance Ep 120 and no, before you’re tempted to skip this one, It’s not actually about Bitcoin or anything too fringy today.If you know that growing wealth does not equal getting rich, then this is the episode for you - Today, it's all about exploring the imbalance of the three core pillars of society, that of the community.We're going to hear how in Cannon's Creek, which is about 22 kms north of Wellington. There's a quiet experiment going on here  which relies on technology that's already transforming mainstream finance and has the potential to disrupt Government also.Mark Pascall is my guest today - he heads up the Wellbeing Protocol. If you'd like to learn more or financially contribute, perhaps make a documentary even, reach out to Mark. The book mentioned in the show is the The Third Pillar.Traditional finance has a hard time coming to grips with the credible threat that De-centralised finance brings with it. Just like the monopoly money of today is being challenged by technology that came from a community, governance in and of itself, is the next space to be disrupted. Blockchain technology, within the next 5 years, will radically transform every part of our lives - ignoring it makes you subject to it - getting on board now, could just give you a seat at the table of the future. Or something like that.____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a

https://www.kourawealth.co.nz/blog/july21-market-updateWhat is 'Square', why did they purchase AfterPay, and why is this potentially much bigger news than what you may initially think?Are you down with CCP - is China just doing things (the communist way), that perhaps we  should be doing also - and by we I mean the Government? The three pillars of society are significantly unbalanced - but here the imbalanced leg of Government is eating the head of corporations with a ferocity we haven't seen before.Jobs data is much stronger than what was initially expected - OMG, did all the financial engineering a la quantitative easing and artificially low interest rates actually work?!Enjoy the show and PLEASE please, please, do not buy shares in Square because  of what we covered today - do your own research outside of what we covered here. 

Today, we’re talking about how private enterprises are working together to ensure the next generation has a deep, default, and durable attitude towards building wealth long term.Let me ask you a question here though: In the absence of a default financial education program reaching your kids, would you be happy for them to receive guidance from sources in the business community? Would you trust a bank in delivering some education to your kids, a financial adviser, and insurance company, a KiwiSaver provider or other fund manager? Of course, we’d potentially prefer a source where there was no other incentives at play – BUT, I think having the 'right' incentive structures alone, isn’t enough to create good outcomes.  I’m a believer that even in situations where the incentive structures behind some initiatives are skewed towards growing a private enterprise, or even just virtue signalling, good outcomes will still be created. That has to be a good thing right? The purest of motivation is not a replacement for a lack of action. I can think of a few great examples recently where the government is reluctant, or even incapable, of allowing private initiatives to fill gaps they clearly have.  This is evident at the moment in areas of housing, alternative forms of money, and mental health especially. Either they accept they need a strong [gum]boot up the rear-end, or they step aside with some degree of humility and the let the experts have a go. Yes we do need Government, but the community can indeed solve some problems thank you very much!In the area of financial education, I’m super encouraged to see the likes of the FMA, and the Commission for Financial Capability, really starting to infuse themselves in the market place. Still, there’s a place for for more participants who work in the finance space to organise themselves in a way that solves the problem also.To learn more about how Banqer and Partners Life is working together, check out https://high.banqer.co/partners-life____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- <a...

The last time Sharon was on the podcast was Ep 121 - It was about Zombies, and you should check it out after this one.Many of us haven’t gone through a period of decent, sustained inflation – in my first decade of life existed a time where inflation hovered around 15% each year in New Zealand. Prices would double every 5 years at this rate ref: https://www.macrotrends.net/countries/NZL/new-zealand/inflation-rate-cpi. Since the early ‘90’s we’ve enjoyed steadily declining rates of inflation, and interest rates. Our parents are quick to remind us of how much interest rates used to be (on a mortgage roughly 10% of the size of yours perhaps) – are we really heading to a world like what they knew during this time, but carrying a far larger burden of debt with us? Are we seeing a transitory blip in a long term trend, a reversal, or the conclusion of some sort of super-cycle that’s going to fundamentally shift things in a way we’ve never seen before? _____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link______________________________________________________________________

Property is so much better than shares, except when shares are better than property!Like anything, our brain's yearn for the simple black or white / yes or no / up or down - here, the question is not so much which horse to back, but how to be a better rider.In today's chat, Rupert and Darcy discuss the following themes in relation to the question posed. We're also proud to introduce Michaela Egbers to her first appearance on a podcast! Michaela is the marketing master behind koura, and she's our moderator today.Liquidity (ability to convert your investment into cash easily)Divisibility Barriers to accessSocial responsibilityIf you'd like to register for "The Great Debate - Property vs Shares" to be held today at 7pm (the 29thof July 2021), then go here to register. 

‘Investing between the flags’So enter in the analogy of investing between the flags. If you visit some of the beaches this summer around the country that you haven’t been to before, what you see on the surface, can often be masking a set of risks. I know from experience that jumping into raging body for a surf when you really can’t swim that well, it can end pretty badly – rips, rocks, sharks sandflies - all can rob you of what would otherwise be an enjoyable day out. These external, macro-risks are often beyond our control, but if it can be made known it should be. Knowing the risks of what you invest in is important, but that’s not the whole story. Can you swim? – if you can, how well? Have you just eaten, have you been drinking? Knowing what you want to achieve before you jump in and the limitations of what you’re capable of can make all the difference when dealing financial markets, and the great outdoors.While the content today is really awesome – the audio quality is pretty rough - it was recorded in Wellington in a meeting room and not in the studio, but still, I Hope you enjoy the show regardless.Who is Anthony Edmonds? He's is the founder and managing director of Implemented Investment Solutions (IIS), which manages over $5 billion across three businesses.  This comprises of fund hosting, where IIS issues and manages funds for a range of different investment specialists.  IIS is also the parent business of the fast growing online investment platform InvestNow.  InvestNow enables investors to build portfolios from a wide range of PIE funds, ETFs, and bank term deposits - further, you can now mix you're own KiwiSaver from a selection of 12 leading funds on their platform.  Anthony has deep understanding of investment funds, and the New Zealand investment landscape.  Outside of work he is a keen mountain biker, and often ventures into New Zealand’s remote backcountry on multi-day adventures.This Thursday the 29th of July at 7pm – you need to pop into your diary and register for the Great DebateArticle of interest regarding wholesale investment offers:  https://www.goodreturns.co.nz/article/976517918/opinion-wholesale-investor-regime-no-loophole.html. Article mentioned in this episode around what happens when custody goes wrong: https://www.stuff.co.nz/national/crime/124436977/serious-fraud-office-charges-christchurch-finance-whiz-with-fraud-and-forgeryCustody isn’t licensed – if you invest through a platform or fund manager that's somewhat connected to the custodian, should this be of concern?  I wouldn’t suggest that you as an investor are taking higher risks by default if this is the case. Custody may not be licensed, but neither are babysitters. In some cases, due to the regulation and best practices around the underlying fund manager, indirectly, the standards they must uphold are set very high already - I'd encourage you to do some due diligence around this for yourself if this is of concern, and have a conversation with your KiwiSaver provider, your fund manager, or your digital platform provider directly. I’m reminded also of the conversation I had with Leighton Roberts from Sharesies in Ep 79 - it may not be possible in some cases to use separate custodians. Regardless, in the spirit of swimming investing between the flags, I still think it's wise to gain clarity around these...

The future of finance is already here, it's just not fully apparent. Not many of us would get excited on the topic of Central Bank digital currencies and tax, but  I'd suggest anything that can signal a change to how our dollar works is a topic we should dive into.As our investments are denominated in a currency that can be manipulated, it doesn't matter how many dollars you get as a return, if all the value those dollars hold are not in your control. Campbell Pentney is my guest and he’s a member of Bell Gully’s tax team – he works across a broad range of tax related issues and why I’ve reached out to him, is that I’m trying to round out my understanding a bit further with all things taxation, and the evolving connection it has to the future of money as we know it. *For an indepth look into Blockchain technology, check out this brief explainer video here. I recommend Easy Crypto for any  Crypto buyer. If you're ready to get into Bitcoin, make a start here by setting up an account with Easy Crypto . **Disclaimer: There is an affiliate fee payable to me from Easy Crypto when you click on the above link._____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link______________________________________________________________________

Just when the Government was starting to get it's buzz on from a new source of funding that apparently slips under the radar somewhat (modern monetary theory), the Treasury wants them to order another keg.My special guest today is Jenée Tibshraeny – Jenee is financial journalist for interest.co.nz and is an acclaimed reporter who covers the interaction between government and economics. I have her on the show today because I have some questions about how the treasury works – the previous time I had Jenee on the show was episode 129 – If you want to learn a bit more about the role the reserve bank plays in NZ – check it out.For those interested in  the Treasury speech referenced in this episode, at the point in time where it starts to get interesting, you can check it out here,This podcast was recorded on  09/07/21Update from 14/07/21: https://www.rbnz.govt.nz/news/2021/07/monetary-stimulus-reduced. Perhaps happy hour is soon coming to an end ?!_____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link______________________________________________________________________

 Instead of putting weigh on the outside world in an attempt to outsmart the matrix, we often forget to consider our micro-economic world. if we have our own world a little more under control, we often get the results we're looking for. Figuring out the longer term trends and positioning yourself appropriately to benefit IS a valid strategy don't get me wrong...but I think we often put far too much emphasis on things we cannot control,

Finfluenza, a viral infection of pandemic proportions, or just amateurs talking money?Surely podcasters MUST make professional broadcasters cringe thought right? Heck, I make myself cringe!Finfluencers though, shouldn't make financial advisers cringe - They could be the next generation that takes over the mantel of all things money for the next generation. First you mock them...From a regulators point of view this is where it get's tricky. Check out the guidance issued by the FMA here (Financial Markets Authority) - an important read for the consumer but also for the content producer.Special thanks to Ryan Melton, host of the NZ Guide to Financial Freedom and NZ Audio Editors._____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more.&nbsp;Just go to https://hatch.as/NZEverydayInvestor to grab your top up.&nbsp;__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube:&nbsp;5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this...

Myth one: You don't have to pay tax on your digital assets - bustedMyth two: You pay tax on gains, but cannot offset any losses - bustedMyth three: It's too complicated to pay tax on digital assets - bustedGiving to Caesar, what is due to Caesar, can be rather tough. Perhaps, some attracted to investing in digital assets like Bitcoin are attracted as it's 'outside the system' characteristics. Added to this  dilemma has been that the tax rules are a bit ambiguous and likely need time to be fine-tuned. Last year the IRD requested information from crypto on-ramps like Easy Crypto, "so we can work out how best to help taxpayers meet their income tax obligations"So, paying tax on something outside the matrix is not  natural impulse for some (I'd like to suggest you need to make this natural fyi!), the rules are clearer, but still could do with further refinement, and the last issue is that technically, it's a bit hard to collect the information required for tax compliance. Introducing Taxoshi - something that's going to make compliance with tax so much easier. Craig MacGregor, the founder of Taxoshi, is my guest today.We only talk about tax 20% of the time don't worry!Three things for further investigation today:Visit taxoshi.com to  use the service, input NZEI into the checkout to get a 10% discount.Check out the guidance note issued by the IRD on  this topic I recommend Easy Crypto for any  Crypto buyer based in NZ (as mentioned in this show)_____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide...

Canada, Sweden, and New Zealand - we're in the top 3 here for all the wrong reasons.So many ways to look at this - but let's say New Zealand Inc traded on the NYSE...relative to many other 'stock's ', the theory goes, we're a little over valued.So what caused it, what's now being used to treat it, will it work, and what shall we home-buyers do while they wait for the market's health to stabilise? 

Financially conservative people often seek comfort in a spreadsheet which soon becomes their master, eventually resulting in in-action. Risk takers on the other hand, have no issues with taking action, but could often do far better with a little more planning. Once again, the solution isn't in the investment, it's within the investor.In this episode, hopefully you'll see the importance of receiving advice - more important to just receiving this advice however, is the need to ensure the advice can turn what may be considered a weakness, into a strength.In the episode, I suggested one of the ways you could locate an adviser for your needs would be to visit Financial Advice NZ for a comprehensive list that doesn't discriminate around areas of speciality or remuneration models. If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link_____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link__________________________________________________________________

Socially responsible investing, ESG, ethical investing – these principles are nothing new, but today we’re going to run through what Koura does in order to do no harm, and dare I say, even do a little good, when investors play the game.We're in a season of expecting more from our investment activities - not just in the form of higher returns with lower risks, but with lower levels of social and environmental harm especially.ESG or socially responsible investing is awesome, but I think it's a poor substitute for actually doing good yourself. As an investor, you’re capable as a person to do far more good simply by paying more tax, giving generously and consistently, and disrupting your workplace.Hope you enjoy the show!_____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link__________________________________________________________________

TLA's, or three letter acronyms: a subconscious moat of defense we collectively lay down when we need to own the support of others. In your profession, your circle of friends, your flavor of politics, you'll have your own language, and you may not even know you're excluding others by default. The finance industry does this also - so today, we're going to break some of them down and discuss what we think they meanRupert Carlyon from kourawealth KiwiSaver is my co-host, along with Tom Botica, from Investing with Tom. 

My guest today: Julian McCormack from Platinum Asset Management  Building wealth is about owning the right to have choice in the future – choices for you and for what’s important to you. Investing, or the practice of putting skin in a game where the odds are increasingly stacked in your favour over time, can often invoke emotions in us that we mistakenly thought we’ve already mastered. When the rubber hits the road and your hard-earned dollars are invested, logically, you want to understand the environment in which your dollars are at play in.This environment is in a constant state of change. So today, let's talk about that - enjoy!Disclaimer: Platinum Investment Management Limited ABN 25 063 565 006, AFSL 221935, trading as Platinum Asset Management: Commentary reflects Platinum’s views and beliefs at the time of recording, which are subject to change without notice. Certain information contained herein constitutes "forward-looking statements".  Due to various risks and uncertainties, actual events or results, may differ materially and no undue reliance should be placed on those forward-looking statements. To the extent permitted by law, no liability is accepted by Platinum for any loss or damage as a result of any reliance on the information contained herein. Information is general in nature and does not take into account your specific needs or circumstances. You should consider your own financial position, objectives and requirements and seek professional financial advice before making any financial decisions. You should also read the latest relevant product disclosure statement before making any decision to acquire units in any of Platinum’s funds, copies are available at www.platinum.com.au_____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes -...

Has inflation arrived in earnest, has it moved in, or is it that one friend who visits from time to time simply to burp in the fan on a hot day?It's an odd world we live in where the enemy of the economy, inflation, is being pursued like a purse- snatcher down a dark alley. You really don't want to catch it, but you feel a perverse need to chase and obtain what you've likely lost ages ago.More and more of us are starting to believe inflation is here however. Oddly, the more people think it's here, the more likely it could get worse - perhaps we should label inflation-talk as hate speech to be safe?

So - less financial advisers, but clearly a better result occurs as a result of financial advice.Digital advice, advice-only advisers, and decentralised finance will help create better outcomes for consumers of financial advice...eventually. Now though, those with smaller sums to invest, often don’t receive the same level of advice or service as those with higher amounts – why? Because in most cases, the fees you pay are a % of the amount that’s being invested on your behalf. There’s a lot of work and compliance costs involved in providing personalised financial advice, so this is why it’s mostly only efficient to provide advice for those who already have wealth, not those who are at the earlier stages of accumulation. I caught up with today’s guest Warren Couillault, from Hobson Wealth, because I wanted to learn of the innovation that’s occurred and is occurring in the financial advice space.Regulators, industry bodies, wealth managers, KiwiSaver providers, and financial advisers - all have a part to play to ensure financial advice is delivered to more Kiwi's, irrespective of any competing agendas. If anything takes away from this goal, you need to question why, especially considering the outcomes of receiving advice are so positive._____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link______________________________________________________________________

Bitcoin is an emerging new asset class desperately seeking validation in the eyes of the mainstream financial community...or perhaps it doesn't actually care at all. Perhaps with crypto in general, it is what it is, but what it does to us, is more than most of us are ready for (myself included!)Today, Rupert and I discuss the tensions between the 'already' and the 'not yet'. Bitcoin, and the neighbourhood in which it comes from, has the very real potential of flattening the status quo given enough time - this is a war make no mistake. However, the winners today, could be the losers tomorrow -  Enjoy the show!

Join me today as I take leap and continue to learn more about the neighborhood in which Bitcoin lives. I’m increasing getting the sense that the world of finance is going to go through an incredible transformation, which will happen much faster than we can all imagine. There are opportunities right now for people in tech / crypto / media / and mainstream financial services to innovate like never before. This innovation will occur on rails that will hold the trains coming to flatten the status quo standing in the way.Paul Quickenden from Techemy and Adam Dodds, from Techemynt, are my guests today, along with co-host Paul Spain from the NZ Tech Podcast. What is a stablecoin, and what problem does it solve were the two main questions I brought to the recording today – but during the show I couldn’t help but think that this could be the start something pretty amazing.Stablecoins have their place already when it comes to rebalancing crypto portfolios and completing transactions quicker than they could be done before, but again, this is only the start of what’s to come. I say that not knowing exactly what’s coming down the pike either – all I can see so far, is a whole bunch of stuff that seems to do the things of traditional finance (thigs like saving, borrowing, investing, creating markets, innovating), way faster, at a lower cost, and in a manner which many mainstream people may soon come to trust. Stablecoins are going to be used as a fundamental building block by those developing and innovating in financial services going forward– all it is really, is part of a bridge – a bridge in between the current and the new - some say it’s a bridge to nowhere, others, a bridge too far. I personally don’t think it’s a bridge over the river KWAI, but it’s certainly a bridge over troubled waters._____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be...

This week, a new list of default KiwiSaver providers where announced, complete with a new set of rules too. Are the outcomes going to be entirely positive for default KiwiSaver members though?Essential listening for this episode is Fees, performance and risk from MondayGot an idea for a news item for Rupert and I to discuss? Email me [email protected].**

Investing can seem a bit daunting, but you know that in order to preserve the value of what you’re able to save, you need to invest – if not for the simple reason that if you don’t, the currency your stashing away, will lose purchasing power over time due to inflation. As most of us focus on the how and the what when it comes to investing, it's important to understand the nature of risk as you move further away from savings accounts, debt reduction, and term deposits as your lower risk, mainstay investments of yesterday.  Investing can quickly become a bit more involved, and in order to make the most of it, you need to understand some of the language that goes along with this territory. Now depending on where you’re at with your investing journey, you’ll likely be involved with some sort of managed fund. All a managed fund is, like KiwiSaver, is simply a pool of money that you contribute to, along with other investors, that get’s invested on your behalf by the manager.My guest in this episode is Paul Gregory from the financial markets authority (the FMA)– he’s responsible for the FMA’s strategy and approach to investment management providers (aka fund managers). You could think of the FMA as a sort of referee – if you want to play the game of investing, you’ll likely appreciate the fact that some of the risks come from the volatility in the market itself, and some of the risk occurs if there’s a mismatch between the investment, and the investor. While the FMA isn’t there to help you make the best investment decisions you can make, they are there to ensure that financial advisers and fund managers are operating with a high degree of integrity – all with the goal of reducing some of the risks that exist our there. For further information around the FMA's activity recently:LookSee campaign – encourages investors to make sure their KiwiSaver is on track when they receive their annual statement. We will soon relaunch this campaignKiwiSaver retirement projections: Case StudiesWhat’s Your KiwiSaver Flow?KiwiSaver Tracker – compare the performance and fees of all KiwiSaver providers over 5 years _____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.2- Write a review on <a...

Investing through Inflation (aka - How I learned to stop worrying and love the bomb)Inflation, the general rise in prices, often seen first in assets, then in consumer goods, and then (hopefully without too much of a wait), in wages.Put another way, it's when your dollars can contain less value.It exists, it may be growing, but in today's show, we're talking about why you may not need to worry too much about it.Got an idea for a news item for Rupert and I to discuss? Email me [email protected].**

Follow Willy on Twitter: @woonomic I recommend Easy Crypto for any  Crypto buyer based in NZ (as mentioned in this show)Bitcoin sit's somewhere between 'it's the future' and 'it'll soon die off'. It follows then that the everyday investor needs to have a foot in each camp to avoid a bad case of regret later on. The ideal mix of Bitcoin in your portfolio should therefore sit between 'all in' and 'no way, that stuff's rat poison!'Whatever you do with Bitcoin, be sure you act with firm conviction - this shouldn't be a place for high-risk gambling activity!Willy Woo is one of the worlds most brilliant 'on chain' analysts, and today, we're talking about price. At the time of writing and recording, the price was sitting in the mid-$50k USD range._____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link______________________________________________________________________

Charlie Munger, Warren Buffet - possibly some of the oldest people I've seen talk before, and what they say, is what Rupert and I are talking about today.Got an idea for a news item for Rupert and I to discuss? Email me [email protected].  

Follow Willy on Twitter: @woonomic I recommend Easy Crypto for any  Crypto buyer based in NZ (as mentioned in this show)The economic revolution will not be televised -  partly I suppose, because it’s old news – and perhaps it wouldn’t get good ratings. In 2009 however, when Bitcoin came on the scene, you likely wouldn’t have guessed it was the start of a revolution…but in many ways, it was. For so called fanatics out there that believed in being free and living in a democratic fashion, Bitcoin was the ultimate gift – the fact that by owning it, you were casting a downvote for the status quo made it all the more satisfying.The financial markets aren’t boring, but they sure can be complicated. Thinking about investing on your own, even taking out insurance – you quickly realise that often the complexity has been baked into the product, or there’s at least a general trend for complexity over time. Along comes Bitcoin, a finite piece of cryptography lingering on the internet, open to all who want to peer into it’s inner workings. We’ve observed a sharp increase in accessibility to investing over the last few years, yet some would say we haven’t observed more transparency. We can all get involved yes, but there’s a growing sense that everyday investors aren’t really playing with the full deck of cards. So along comes Bitcoin, and it’s there for anyone with internet access - it appears to be less opaque than the current financial system for many people, and it’s most certainly going to appeal to the libertarians among us. Still, some would suggest Bitcoin is [still?!] a Ponzi scheme that relies on a greater fool always being around to buy it off you in the future. Much like I wouldn’t suggest investing in the S&P500 is a Ponzi scheme though, I don’t think holding this crypto-asset would be either – perhaps during the first bull market you could be forgiven for thinking this was another Tulip bubble, but not now. In fact, people who still cling to the idea that Bitcoin is a scam, the government is going to shut it down, or that there’s no intrinsic value at all, most likely don’t own any of it. For these people, the statement they’re trying to make was that if it was any good, they’d already own it. #ignorantarroganceSo today we’re, talking to Willy Woo about his background – how he came from Napier in NZ and how now, he’s considered one of the finest Bitcoin on-chain analysts in the world. The traditional financial system is perhaps fine – perhaps all will return to normal and things will carry on much as it has for decade. On the other hand, perhaps Bitcoin is the first battle by resistance fighters against our imperial overlords being fought right now in the financial realm.Today is the first part in a two part-series – be sure to subscribe to the show if it’s your first time, and catch part-two next week._____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help...

Coinbase - what is it, and how's it going to behave when the price of Bitcoin is volatile? SPAC's, IPO's and DPO's - what do they all mean and what are they good for?

We like to think that when we borrow money, in fact we're taught this, that money is simply transferred from savers to borrowers and banks act as intermediaries. While that's partially true, it's potentially more true that new money is created every time you take out a loan from the bank...out of thin air. Technology has been tremendously deflationary, so for decades, money creation [by retail banks and also our Central Bank] had no significant impact on consumer price inflation (CPI). What we've observed in the last 12 months however, is that increased money supply does have an impact. It appears first in the giant sponges of our financial markets - property markets and equity markets have boomed, along with justified cries of anguish from those with no assets to inflate - all partially thanks to new money creation at a scale we've never seen before. I want to know, what happens when this sponge is wrung out?So I have some question for Oliver Hartwich today, from the NZ Initiative. -Why is there no inflation, as defined by the CPI occurring with all this ‘money printing’? -How can governments act to create economic growth through money supply growth – is this even possible, or is this simply an monetary hallucinogen?-How important is central bank independence from the government, and are we seeing this independence erode here in NZ? How does this trend compare to overseas?-What are some negative outcomes that are possible from too much inflation and how can we get back to further stability here – return of the gold standard in some capacity?______________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around...

 Rupert Carylon and me Darcy Ungaro, dissect, discuss and deliberate the latest in money news from around the world. If you’d like to listen in to these sessions live, make sure you follow the NZ Everyday Investor on Clubhouse and tune in every Wednesday at 5:30pm. This week, we're discussing:The tail of Archegos Capital Management how someone went from being worth $30bn to $0 in the space of a few weeks. This episode contains the use of one foul word, a drug reference, and mention of a family SUV - listener discretion is advised. 

In today’ show, Rupert Carlyon is going to walk us through how KiwiSaver works behind the scenes. Rupert is with Koura Wealth ,a KiwiSaver fund manager - a fund manager makes investment decisions on behalf of members (that’s you and me).Average balances have been increasing gradually over time, and so we’re all trying to figure out how to optimize our returns – this is where the style of the fund manager can make a big difference. So what do we mean when we talk about management style.Well broadly speaking, there’s two camps here – one is passive management and the other active. Passive has a systematic and strategic approach that relies heavily on the assumption that markets are efficient, so you wont have access to information that will give you an edge, especially in the long run -the best strategy therefore is to continually invest across a diversified selection of assets such as cash, fixed interest, property and shares. Active is a bit different – the assumption with active here are that markets are not indeed efficient, and therefore you can make tactical investing decisions in an attempt to beat the returns the market would give you on it’s own. Is one right and the other wrong? Will one style work well in a rising market compared to another in a flat market? Is the market still inefficient in some areas, but they’re just different areas than they were in the past?So many questions – and we’re going to answer some of them today. As mentioned, active and passive have their place, but to a large degree this depends on how you’ve constructed your investment portfolio elsewhere. The fund that you invest in via KiwiSaver, can be managed in a passive style, but that doesn’t mean that you as an investor need to have a 100% passive strategy. Perhaps you tactically respond to changing market conditions by changing the mix of your passive funds. On the other side, perhaps you passively invest through some active fund managers – you’re being strategic in how you contract out the active management you want. The main point here, is that from an investors perspective- from your perspective, you may be the active fund manager. Perhaps you work with a financial adviser to actively manage your overall portfolio or you do it on your own – if that’s the case, do you really need to have an active KiwiSaver fund manager as well? It really does depend.Remember that this Wednesday at 530pm I’ll be in Clubhouse, so if you follow NZ Everyday Investor this week, you’ll hear Rupert and I chatting around some current events – that’s 530pm on Clubhouse, where all podcasters go to say what we really think– if you need an invite, hit my up on messenger or on twitter @UngarodarcyThanks for listening in – I hope you have an awesome week_______________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your <a...

The following episode contains a segment from another podcast, The Department of Conversation with Pat Brittenden. Awesome podcast and you should check it out if you haven’t already.In the last couple of weeks, I’ve been digging into these latest changes to tax rules for property investors and this so called housing crisis. I’ve also been having a lot of discussions with property owners of all shapes and sizes, worried not only around what these changes mean to them, but how it’s going to affect the economy as a whole. The main narrative in this space has been that due to hyper-activity of property investors, home ownership rates have suffered – first home buyers have been locked out of a market as investors have been gobbling up the existing housing stock. This is partially true in most recent history I’m sure, but I’ve yet to see data that supports the thesis that first home buyers can win somehow, by making property investors lose.In 1921, the proportion of households that own their home, was 59%. 100 years later it’s about 65% - (https://www.stats.govt.nz/news/homeownership-rate-lowest-in-almost-70-years). While I can see data on home ownership rates, I’m not certain there’s data on what share of the 35% of non-property owners, are actively trying to get into the market – I would have imagined this would be taken into account by policy makers though...right?Contrary to popular belief, in some ways, it's never been easier to get into the property market, thanks to a long term decline in interest rates. When you buy a property with a mortgage, you’re not paying the price, you’re simply agreeing to make a series of payments until the mortgage is repaid. Where the price is relevant however, is when you account for the deposit that needs to be saved – without 20% deposit, while it’s not impossible, it can be tricky to gain bank approval these days. So – if there’s a housing crisis, where did it come from? Is it an excuse to justify yet another tax on those who have, ultimately for the net benefit of those who don’t have, after the Government clips the ticket? Surely one of the first steps in determining how to fix a crisis, would be to determine it’s source - What about the lack of new housing, or the fact our interests rates have to be kept ultra-low even though by all accounts, they should actually increase.If there’s a crisis in the area of housing, I’m going to suggest it’s not property investors and home buyers that are to blame. Either way, a housing crisis shouldn’t be justification to make it harder for tenants to pay rent, first home buyers to get into the market, and everyday property investors just trying to get above average. If this Government needs more tax, shouldn’t they come right out and ask for it – rather than manufacture anger amongst the have’s and have nots?A couple of things to be aware of in this episode today:-There's some explicit language. Sorry about that - please be aware if listening in the car with kids.-If you listen or watch the version of this show on The Department of Conversation, not that I made a mistake with one of my comments. The National Party was not the government of the day when the rules around claiming donations were changed - it was Peter Dunne, and the Government of the day was in fact Labour - sorry!_______________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and...

Check out the following for more opinion pieces by Darcy Ungaro recently on this topicIn the HeraldOn The Department of Conversation PodcastIn addition to changing capital gains tax rules, further proposed legislation if passed, will cease the ability of those in the business of providing accommodation to others, to claim interest as a deductible expense. What used to be referred to as a standard accounting principal, is now being called a loophole. Amanda Martin – specialist tax adviser, is my guest today and we’re talking about what these changes actually mean, and how they could have a much larger impact than what everyday people may initially appreciate. In my conversation with everyday property investors in the last two weeks, I'm stunned how even they don't fully appreciate what these changes mean for them. If this is how those that are affected think, I can only guess the bulk of NZ hasn't a clue around what just happened, and what some of the outcomes could be.If you’re trying to grow wealth through property this is an important episode yes, but even for those without property, if you’re trying to achieve more than the average in any area, this tax move could be more symptomatic of a larger trend we all need to wise up to. It’s raining down cheap money all over the world right now, but property investors are the ones currently being targeting for getting wet – will any of these moves achieve good outcomes? Will cutting down tall poppies cull big bubbles? Will this really stop with property investors only? I’m not sure it will.  Today’s show is a mix of fact and opinion - so I would ask a favour from you if you don't mind: Consider not if these changes affect you alone – try to think of some of the broader, secondary impacts this could have on rents, private ownership in NZ, our ability to create choices in our future – think about what other honey pots could be targeted and what that means for your lifeNow as I've been mentioning recently around Clubhouse, make sure you follow me at @darcyungaro and follow the NZ Everyday Investor. Last week I chatted with Amanda from today, Dean from last week, and another guest from a future episode – it’s an awesome opportunity to hear other perspectives and get a chance to ask some questions you may have of your own – if you have an iphone and you want an invite, simply hit me up and I’ll fire one through to you. _______________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse by clicking on this link.2- Write a review on Facebook, or...

In order to fully understand what thematic investing is, you need to lay a good platform. So today, before we answer this question, we’ll cover some basics – there’s something for everyone today really.Thematic index investing appears to give us all that we seek when we believe in a broader theme that could materialise in the future, but with diversification that ultimately could mellow out the bumps along the way. Biotech, blockchain technology, electric vehicles, space, renewables – often the opportunity is in the theme, not just a few companies everyone’s already heard of. Thematic investing carries some risks however, and this is why it shouldn’t be considered as part of your core wealth-building strategy. What happens if the theme you’re banking on does not materialise? What if, perhaps during the rebalance of the portfolio, the winners are cut off too soon? What if your emotions get the better of you, just like it can with individual shares, you may capitulate, then potentially sell at a low point.Investing carries risk – but by far, the biggest risk there is, potentially sits with the investors who only started their journey within the last 12 months. What happens when the thrill is gone, and 100% annual returns are no longer available? Will investors keep on climbing up the risk spectrum in search of a returns their minds have grown addicted to, or will they simply exit this space, downtrodden and dejected with no desire to get involved ever again?Dean Anderson, founder of Kernel Wealth, joins me in a quest today to answer the basic questions first, like:What is index investing?What is the Core/Satellite approach to investing? Check out another episode on this topic here.What is thematic investing?What role can our emotions play when investing in the current climate and what’s the danger, really._______________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse by clicking on this link.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the...

Follow the NZ Everyday Investor on Clubhouse by clicking on this link.Financially speaking , are kids an asset or a liability?If you're a parent, you're the primary teachers of money-management for your kids, and they’re watching everything you do – so what are we modelling to them and how do we talk about money in the household – are we doing it in ways that are encouraging them to focus on problem solving, or simply focusing on the problems alone? “We can’t afford it” versus “How can we afford it?” The first statement shuts down creativity and rules out possibilities. The second question forces us to focus on solutions.One of the biggest problems we’re all trying to solve by investing, is to ensure that we have enough for our retirement. Beyond that if we have children, how can we give them a fair chance at succeeding financially?As an example, we could look at house prices with despair thinking they’ll never get there, but we often forget the new world we’re heading into isn’t guaranteed to be all bad.How are the kids ever going to afford their own home? This frustrating question gets us to focus on something that’s not exactly helpful – a problem that we haven’t been able to solve yet. Increasingly, we’re even seeing this question get politicised – property investors are the problem, rather than housing supply – really?! Let’s say housing continues to march upwards though: Today, 20% of the purchase price would be $200k., assuming an average starter home may cost $1m in a main city area. At a 7% growth rate, over 20 years, 20% deposit would turn into $800k! (20% of $8m). This sounds ridiculous, but remember, this was the same issue 20 years ago when the average price was $250k (and a 20% deposit was only $50k). What’s changed in the last 20 years? Interest rates are a fraction of what they were, prices for some items have decreased, and incomes have increased [slightly]. What’s going to change in the next 20 years? 1- interest rates may not be able to increase significantly from here, 2- what we use as currency will change (non-fungible tokens, tokenised assets, other crypto-assets), and here’s the controversial conjecture, 3 - incomes may increase at a faster pace than what we've seen for a while. The point is, the future is going to be qualitatively different to the present, so speaking negativity around a ‘housing crisis’ is at the very least a waste of time, and worse, it’s a distraction from what we should really be focusing on – specifically, helping our kids discover a better way. Growing wealth can be hard, don’t get me wrong, but that doesn’t mean your kids can’t have a good crack at it. Teach them how to work [hard and smart], teach them how to manage money, then allow them to creatively solve problems – you may just succeed in in turning a potential liability in your future, to an asset.So today, the genesis of intergenerational wealth – teaching your kids about money. As with everything our kids will face going forward, they will likely start out in the physical, and eventually end up in the digital realm._______________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll

Our first guest is Donna Robinson, who works with the team at Sorted. Next up, I have Catherine Emerson, former financial adviser, who works with Kernel Wealth. Today, the goal is to discuss some of the reason’s why there can be conflict in a relationship with respect to money, and most importantly, how we can turn a weakness into a strength when financial consensus can be achieved at home. ________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________The NZ Everyday Investor would also like to acknowledge the support of kōura.Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But professionals know there’s the third, arguably more essential  component to consider - asset allocation. kōura's digital advice tools will build you a KiwiSaver portfolio that has the perfect asset allocation just for you.  Of course you could also just choose your own KiwiSaver portfolio with them too.  Give them a try and see what your ideal KiwiSaver asset allocation looks like for you.__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse by clicking on this link.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6- Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link_____________________________________________________________________________

Getting your life sorted, often takes one step at a time. Even if you've found yourself in a tricky spot of financial bother – May I suggest you partially could have arrived there with a sequence of misguided steps?Here’s the great news: If you want to get out of your tricky spot of bother, it's just as simple as how you arrived there - it involves taking a series of steps in a more appropriate direction. Over time, step by step, while you might not be where you want to be, at least you're doing everything you can to improve your situation.Investing is best performed once you have some of the basics sorted. You need not get it 100% right though so all good. If you disregard these steps completely though, here's the warning: The wealth-building moves you're making now, may have to be reversed at some stage.So what are the steps we're covering today?Start your safety net.Get your KiwiSaver right.Start tackling your debt.Cover your people, money, stuff.Run your retirement numbers.Set your targets, then hit them!These steps are not complicated, but they do require action - it gets tricky often when there's more than one of you in charge of finances too. We have you covered there also don't fret - in the next couple of weeks there'll be another episode released in conjunction with CFFC discussing 'love and money'Today's show is one of three episodes recorded with the help of ‘Sorted’ - sorted.org.nz  (they provided the ideas and some of the guests -thanks!!)__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse by clicking on this link.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link_____________________________________________________________________________

The first question - why are floating rate mortgages so expensive in NZ??Currently with the main banks, you can get fixed rate loan in the low 2% area, but floating rates with these same banks are between 3-4%. In a world now where it seems that interest rates are at no risk of increasing, and in fact, may still decrease further, a floating rate loan gives borrowers a tremendous amount of flexibility over fixed rates. Unfortunately to get this benefit though, you have to pay a hefty premium for it. Through Simplicity you may also qualify with them for a mortgage rate which is pretty much the same as the other banks in the low 2’s currently – but the interesting part is that it’s a floating mortgage. How is this possible is one question, then the next question becomes, why aren’t mainstream banks doing this already?Now on to the second question -  we’re talking about the NZX - is the new Zealand stock exchange functioning in a way that is beneficial for stakeholders, not just shareholders? In recent years, we’ve witnessed more than one high profile company opt to list on the Australian stock exchange over the NZX – Why is this? The NZX is evolving, but is it moving in a direction that will help investors, other fund managers, and the bright spark business in NZ that ultimately want to stay here? Well Sam has an opinion on this also  - enjoy!Check out the previous episode with Sam here: https://nzeverydayinvestor.simplecast.com/episodes/7bf5bbaa__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage an authorised financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (an authorised financial adviser), you can schedule in a free 15 min conversation just click on this link_____________________________________________________________________________

——————A recent Goldman Sachs report into the US financial markets found parts of the market “appear frothy,” with “signs of unsustainable excess.” The peaks we’re seeing today, particularly among high-growth stocks and stocks with negative earnings appear to point to some kind of economic unreality. “We’re a long way up the gang plank in terms of valuation,” said Julian McCormack. “It’s a very elevated point in the history of the market”When people start using words like “froth” and “bubble,” there’s a secondary assumption that at some point, the thin membrane surrounding it will soon break, releasing everything beneath in a cloud of water droplets and hot air. To Julian, parts of the markets of today, particularly with the evangelism around tech stocks, evokes memories of the bubble in the 1920’s.People back then started out their adult lives hopping on a horse to get to work and sending a carrier pigeon home to remind their kid to turn the open fire off. Within a relatively short period they were zooming around town in cars and calling their mates on the telephone — imagine how euphoric and unstoppable people felt during this time. We all know what happened next as the Great Depression hit and people were brought back to reality, fast. Today everything is changing again. Innovation is causing constant change to the operation of our daily lives, and naturally this builds euphoria — a hype which seeps into share markets and ultimately supercharges sentiment.But is it really a bubble, or are we operating in a new kind of system, governed by rules not yet written?Interest rates are almost guaranteed not to rise, we’ve busted through any previous points of resistance in terms of all time highs in almost every sector – perhaps the punchbowl of quantitative easing has been replaced with a glass table, a rolled up twenty, and a little white bag.The state of many parts of the current market is punctuated by a massive “if.” And as much as some commentators will try to tell you they have a perfect model for what is going on, there is no clear guard rails for these unprecedented times. As Julian says, we must be wary of “the absolute impossibility of predicting outcomes in a chaotic system.”So what do we do – what’s a rational response to an irrational situation? Cash out and stuff it in the mattress?  Wait it out – call for the end of the world so that hopefully the market hears you? Or diligently keep building, knowing that in the long term, you should be okay?While there’s no perfect answer, Julian reminds investors of the importance of keeping the investment fundamentals in mind.  “We all must be reminding ourselves to exercise general cautionary principles, even if markets might push higher,” says Julian. ________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can...

Today with Sarah, we’re talking about what’s involved in getting ready to talk to the bank, how to navigate through some of the trickier aspects of gaining an approval, and how different it is talking to the bank yourself vs going through an adviser.If you're a first home buyer, or looking to build your next home, please reach out to Sarah if you'd like assistance in arranging a mortgage. Alternatively, if you're buying something bigger, getting into property investment for the first time, this is where I (Darcy) can really help (and you can help support the efforts of this podcast too!). To speak with Darcy, Just click on this link to book in a 60 min initial consultation.  Property Market Update: In the property space, last 12 months has been like going for a bus ride with a driver who views the accelerator and brake as buttons and not pedals.As soon as Covid hit our shores, easing lending regulations and low interest rates ignited a fire. Property investors didn’t start the fire -it was already burning with first home buyers by the time they showed up. Either way, the were all going after the same, limited stock of housing. Both groups are in the bus while the driver, the Reserve Bank, punches the pedal to the metal, but then the brake to the floor.Property sells newspapers – The public perceives injustice in the housing market, the media spins, then serves it up, Government responds, and the Reserve Bank takes action. So while that’s playing out, here’s a few truths [opinions!] quietly lurking in the background.Low interest rates lead to higher property prices – higher property prices make us feel good, then economic wheels begin turning.Interest rates cannot increase – Covid in the community or not, NZ has to adopt a similar monetary policy strategy as other countries are, and that means we get the medicine even though we don’t have the sickness.Central banks need inflation, and will risk the possibility of higher inflation to get itGiven the size of the typical mortgage in NZ, a small increase in interest rates could be devastating. Lowering the cost of money will always directly add to the value of property. Increasing the cost of money from here may not bring down property prices, but it could cause massive mortgage defaults.Because interest rates will be low for a long time, more lending rules and work-arounds will abound from here. We’ve seen the loan to valuation ratio’s kick in again to 60% for investment properties, But you’ll also likely see debt-to income ratios, loadings on property investor loans and less interest only loans being offered – all moves designed to offset the asset inflation which is a natural byproduct of cheap money.So if inflation is the goal, the pump’s been primed in the form of quantitative easing but this isn’t enough - there needs to be a catalyst to get that money moving. We need velocity but how do we get it? I think property values are the key – the goal is to create a wealth-effect by allowing property values to increase – this encourages spending, and this spending partially aids in economic recovery.I’m not sure if this is the consensus view, but I think it’s pretty simple: The government doesn’t actually want to stop a rising house market.Rising property values and rising inequality are not unique problems to NZ. It’s an uncomfortable season of allowing the gap to widen for the greater good – it’s not cool at all, but it’s happening. Inequality is growing here, there, and everywhere, but maybe this is the lessor of two evils? On one hand people who own get more and those with little get less / on the other hand, perhaps in the process of allowing the wealthy to do even better, we avoid an economic depression.What this all likely means for you, if you own property, is that...

I’m having a quick chat today with Natalie Ferguson today – she’s the head of product at Hatch, one of NZ’s online share market investing platforms that gives investors access to the US.Imagine that you decided a month ago that you wanted to invest in Gamestop.. You could have purchase shares at the start of 2021 for around $20 – a couple weeks later you would have seen the price hit around $450 each. Wow! – You’d be pretty pumped, that is, until you tried to sell. Due to some reasons we’ll cover in this episode – this is exactly what happened. Trading was halted at the worst possible time for retail investors: People who bought in, may have experienced a meteoric rise in their portfolio, but then they found it impossible to sell to realise the gains. Since the news of this broke, the share price has been floating down like a wet feather to where we’re at now at the time of recording of $50 each.What does it mean to short a stock?Shorting is when you borrow a stock from a broker, then sell that stock at the market value today, with an expectation that you can repay that share by acquiring it again at a later stage, hopefully at a much lower price. With shorting, you sell high, then buy low (contrast this with ‘going long’, where you [hopefully] buy low and eventually sell high. By shorting, you can profit from the price of a share declining – larger players in the sharemarket, hedge funds, will often identify companies that are likely to face a decline in value in an attempt to benefit from their demise through shorting.Now I’m not describing a tool here that you should be using, this is just for background – in fact, unless you’re involved in trading actively (and using a platform made for that purpose), it would be a bit unusual to see everyday investors shorting.So going back to Gamestop, what we’ve seen is what’s also known as a short squeeze. Hedge Funds that were shorting Gamestop were waiting until the price dropped further  – that’s what they expected would happen because remember, this company sells video games in physical malls. So these hedge funds ultimately need to re-purchase the stock (hopefully cheaper) to repay the borrowed stocks. Now what happens when you’re short and the price rises as in the case with Gamestop? You have to either hold on for the ride, or close out your position and purchase the stock to do it. Like sitting in the car in the sun, windows up complete with farting and complaining children– you can only hang on so long then you have to crack a window right?So, a rising share price due to increasing demand, along with short sellers covering their position, gives you what’s known as a short squeeze. The result is that it further intensifies the upward momentum in price.A special thanks again to the listeners of the show who messaged me last week asking me to cover this topic.One other thought I want to leave you with before ending this episode if I may. I’d love to suggest this is a simple story of David and Goliath – but in reality, just like with David and Goliath, there was conflict brewing beforehand, and there was conflict afterwards. This saga has shown us that something’s going on, but for those ‘sticking it to the man’, the man has only just noticed your strategy. Technology, and more importantly, organised groups of people using technology, has the power to change the way investing works going forward. With any war, there will be some destruction, but there’s also going to be opportunity. Hedge funds perhaps need to make some changes, but the opportunities that were really only theirs to exploit, has now been released to others. For a more comprehensive and deep dive into what's happened, stay tuned to the show, but also check out this video from Brent...

Where to buy Bitcoin? I recommend Easy Crypto for any  Crypto buyer. If you're ready to get into Bitcoin, make a start here by setting up an account with Easy Crypto.___________________________________________________________________________________Paul Spain from NZ Tech Podcast, Janine Grainger from Easy Crypto, and Brooke Howard-Smith from We Are Tenzing.Due to the recent price movements in Bitcoin we are once again observing how this cryptocurrency is occupying a larger space in the minds of the everyday investor. Some would say still Bitcoin is a scam, a bubble, or something far to risky to play with – many financial advisers are still in this camp too, so as a byproduct, investors are seeking advice and guidance from a myriad of alternative sources to fill the gap – this can dangerous, but just like an over-protective parent hell-bent on keeping their kids safe, eventually the kids find a way to play a game you don’t want to them to play.Recently I think we saw a good example of this playing out with Gamestop. Apparently, incumbent hedge funds don’t like it when it’s amateur hour - they’ll certainly do everything they can to shut down everyday investors – but increasingly, it’s not their exclusive game to play. Perhaps they need need to learn to play well with their siblings. Technology, whether it’s a Reddit page or a new asset class, changes things far faster than what many 'parents' are prepared for.So, if you’re keen to learn more about investing in Bitcoin, then there are three easy questions you could start with: Firstly, what is Cryptocurrency, then what are the options around gaining exposure to it, then, how much of this should be in your portfolio. We covering some of these topics today but at the end of this episode, I want to zero in on the last one – how much Crypto could be included in your investment portfolio?I hope you enjoy today’s show – it’s not too technical, it’s just a chat with 4 people  who come from different perspectives sharing some thoughts and opinions - enjoy.Where to buy Bitcoin? I recommend Easy Crypto for any  Crypto buyer. If you're ready to get into Bitcoin, make a start here by setting up an account with Easy Crypto.________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________The NZ Everyday Investor would also like to acknowledge the support of kōura.Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But...

 Author, economist, investment banker and lawyer, Jim Rickards is my  special guest todayInvesting in a post-pandemic world – that’s our topic. I’ve arranged to chat with Jim as he wrote a new book recently: The New Great Depression /winners and losers in a post pandemic world.2020 confirmed what I’ve been sensing for over 3 yrs now in relation to what’s coming for the everyday investor -  change is coming. Specifically though, I’m talking about a different type of change –transformation. If you also believe that transformation is coming, the good news is that we can take position in it – there is something we can do.  While many investors will still follow the old rules, old strategies and old tools to build wealth (btw way I myself believe this is likely still the wisest thing to do), I think, especially for my generation and younger, we need to ask a challenging question around how we’re going to build wealth in the new world: Whatever strategy you have, will it be durable, in a world of transformation to come?With equity markets even our monetary system, I think there’s a growing chance we’re either in the eye of the storm or in the calm before the storm – either way, things may soon get shaken, so perhaps investors do need thinking about how to prepare._________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________The NZ Everyday Investor would also like to acknowledge the support of kōura.Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But professionals know there’s the third, arguably more essential  component to consider - asset allocation. kōura's digital advice tools will build you a KiwiSaver portfolio that has the perfect asset allocation just for you.  Of course you could also just choose your own KiwiSaver portfolio with them too.  Give them a try and see what your ideal KiwiSaver asset allocation looks like for you.__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for...

Resources:Where to buy Bitcoin? I recommend Easy Crypto for any  Crypto buyer. If you're ready to get into Bitcoin, make a start here by setting up an account with Easy Crypto.Notes:There’s a lot of definitions of what Bitcoin is for the everyday person – I like this simple definition though– it’s digital money for the digital world.What is money?  Well one of the definitions of money is that it’s a store of value. You can go to work all week, and your income is the distillate of your own human effort. That substance, or value, can be traded with others to obtain goods and services you need. If you’re not ready to make those purchases however, or if you’re saving longer term for other things, like say retirement, you need to have confidence that the store of value you use will be durable. One of the things we need to do to ensure our value is not eroded over time, is we need to invest. Diversification is an important tool when investing, but most simply diversify within the financial world. Bitcoin gives us a tool to diversify from it. So the problem, that Bitcoin aims to solve, is that the current financial system may be dying. In my view, and bear with me here, a consistently falling interest rate over time testifies to this death. The solution may be to provide a new monetary reference point, that can ultimately rebuild a new type of system that’s built on scarcity, rather than debt and unlimited money creation by a central bank and government. Our current money we use works, because we trust that it will work – however, the titanic of the current financial system that we voyaging in, has just hit an iceberg. Are we simply going to listen to the band and carry on, or make a rush for the limited supply of lifeboats that others are already gathering around? Some say Bitcoin doesn’t have any intrinsic value – this is a great example of a view akin to old wine in new wine bottles. The underlying assumption here is that our current dollars will denominate and dominate our investments in the future. What if that changes though due to loss of trust? I’d suggest that Bitcoin does very much have intrinsic value – trust.________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________The NZ Everyday Investor would also like to acknowledge the support of kōura.Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But professionals know there’s the third, arguably more essential  component to consider - asset allocation. kōura's digital advice tools will build you a KiwiSaver portfolio that has the perfect asset allocation just for you.  Of course you could also just choose your own KiwiSaver portfolio with them too.  <a...

Oliver Hartwich is my guest from the NZ Initiative, a pro-free-market public-policy think tank and business membership organisation in New Zealand.2021 will be the first year after the biggest disruption my generation has ever witnessed – Investing post pandemic will be different to pre-pandemic – no longer can we ignore the risks of increasing debt levels, how new money is created, and the risks that long term inflation combined with low economic growth will bring. Modern monetary theory, a convenient way for governments to short-cut the need to actually increase productivity, will have massive long-term impacts. Everyday investors still have time to potentially take a position to benefit from this trend – failure to do so in fact, could put one on the wrong side of significant disruption ahead.I talk frequently about how building wealth in the new world, requires new tools and new strategies. If there’s transformation coming, some will be victims of it, and some will be victors. In 2021, we may see two groups of investors starting to emerge – traditionalists, who insist that mainstream investment ideology is what we’ll eventually revert back to, and alt-investors, those who are actually looking forward to significant disruption, the likes we haven’t seen since the great depression. So, today’s episode may not be for the beginner, but I urge you to try to understand some of these concepts – investing doesn’t occur in a vacuum or in a static environment. Just as much research should be done on the environment in which your investing in, as the strategies you employ.To learn more about the NZ Initiative and to sign up to their newsletter, check them out here.N.B: Shortly after recording this episode, it's worth noting to listeners that the website Newsroom, ran an expose on then NZ Initiative blog editor, Nathan Smith, which found him to have published racist and misogynistic views on his own personal blog. Oliver has since described Smith's writings as "abhorrent" and the organisation is launching an independent investigation to ensure NZ Initiative material has not been compromised. For me personally, I welcome thoughts and ideas from a broad spectrum – it’s useful for creating thoughtful conversations and genuine insights as to how the world works – in fact one of NZ’s greatest strengths is diversity. Occasionally though, we have to make a call and say ‘no’ to hateful and ignorant comments from the far right. I’d do the same for actions and comments from the far left that endorse more control and restrict freedom of speech too. Diversity in thoughts should be cherished, but when you go too far, not much good ever comes of that.https://www.newsroom.co.nz/think-tank-editor-runs-far-right-bloghttps://www.rnz.co.nz/news/national/432662/new-zealand-initiative-to-investigate-content-after-staffer-s-resignation-over-extreme-views_________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab

What is a startup?It’s not a publicly traded company on the NZ or ASX– it may not be a proven business yet, it may not be profitable, and it may only be just getting started. A start up could be a seed, a sprout, or a seedling – an idea, some sort of product, perhaps even some revenue coming in. Founders or a fewer number of individuals will own the shares in startups – and because it’s not traded on a share market – this makes it a bit trickier to get your money out.Who should invest in startups?Anyone who’s constructing a diversified portfolio, or collection of investments) and who may wish to include alternative investments into the mix – Bitcoin, precious metals, fine art are alternative (non-mainstream) investments, and startups fit perfectly in the mixAs with most alternative investments, they may provide an opportunity for exceptional returns. So who should invest in startups? Anyone who can keep their eyes on the prize and not get rattled along the way – you need to okay with taking risk here.What are the risks/benefits?The startup could eventually go public, and you hopefully get more than you paid for the stake of ownership you have. Alternatively, the startup could get acquired by another firm or even a private equity firm. No matter which way, if you back the right seedling, your reward could be immense – imagine if you were offered Xero shares in 2006 before they went public?What about the risks? Well, you could lose everything, especially if you’re investing in only one or two companies. Perhaps the idea doesn’t have legs – perhaps the market changes or the founders of the startup have a falling out.Remember that your rate of return, which could be really high in this space, is your compensation for the level of risk that you’re takingWhat position should you be in before you consider investing in start ups?This is really important. When you’re younger, it’s more appropriate to take high levels of risk when investing, but that’s kind of hard considering most younger people have high debt levels, not a lot of cash reserves, potential income disruption by having children and all the rest – really, you want to be in a position I think where at the very least, you have no short term personal debt (like no credit card debt or hire purchase debt), a decent buffer of cash to get you through 3-6 months, and you own your own home. Some would say you’d want to be debt free on your own home also – but I wouldn't be that dogmatic here.You also shouldn’t be investing in startups if you think you’re going to need that money back in the short to medium term. If you think you can live perfectly fine without seeing that money for a very long time (or even ever), then that’s a good sign you have enough spare capital to allocate to this asset class. Startup investing is very illiquid - you cannot convert it back to cash easily and quickly.A note regarding the core/satellite investment approach: Some may choose to build their satellites (direct shares, alternative investments) first or others choose to build their core first (which is your mainstream stuff). Now what you choose to do is what you choose to do here – but your decision could be a function of: Your current position; Your perspective on taking risk with money, or even some market timing considerations. I know many would suggest you want to build a decent portfolio of mainstream investments first, but that doesn’t give the everyday investor enough of a runway in my opinion for a higher risk investment like startup investing to bear fruit.All things considered, and I'm still learning here also, I have two big problems with investing in startups:1- the barriers to entry are quite high. Often,...

This week, I’m serving up not some leftovers, but more some kept-asides. I had a really good chat recently with Jeremy Couchman, senior economist from KiwiBank in episode 128, but if you listen to the audio podcast only, you’ve only heard half the conversation – This week you get the rest. Inequality is likely going to increase, directly proportionate to greater levels of intervention. Those who vote, those who pay higher taxes, care far more about the value of their home than even they will ever admit – politicians know that when we feel wealthy, we’ll be act happier, earn more, then pay more tax, and spend more, then pay more tax again. When share markets and property markets have one of their best years ever, in one of the worst years ever, you have to come to the conclusion - The economy will always likely take priority over the people in times of crisis, as long as politicians are in charge. _________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________The NZ Everyday Investor would also like to acknowledge the support of kōura.Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But professionals know there’s the third, arguably more essential  component to consider - asset allocation. kōura's digital advice tools will build you a KiwiSaver portfolio that has the perfect asset allocation just for you.  Of course you could also just choose your own KiwiSaver portfolio with them too.  Give them a try and see what your ideal KiwiSaver asset allocation looks like for you.__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage an authorised financial adviser to provide guidance around your specific goals and objectives._____________________________________________________________________________

The reserve bank (or RBNZ) does a lot of things, but simplistically, they make the money, they control the cost of it, and they play an important role as a regulator in NZ financial system.Some of the stuff the RBNZ does crosses over with what our government does also – you may be wondering then, why are the two even separate?Well, given it’s that time of year when some head to church to celebrate the origin of Christmas story – let’s talk about the separation of church and state.The idea that there should be a wall of separation between church and state was an idea originally based on phrase first coined by Thomas Jefferson – Some believe it’s to protect the state from the church but some think it’s actually the other way around. I’m not going to pretend like I’m a great historian here, but I wonder if some of reasons why Jefferson pushed for this wall was to ensure the proper functioning of each entity without setting lose some unhelpful agendas. There’s another wall that exists between the government and the reserve bank too. Is it a wall that’s designed to protect one side from the other? or is there to protect us, the everyday people?Well, what do we need protecting from you ask? Helping maintain financial stability in NZ demands decisions get made that aren’t always popular, like keeping interest rates low, which yes, forces house prices higher and creates greater inequality as a side effect. Politicians like to feed our fear, then solve our problems, because that keeps them in power – central bankers on the other hand simply have a job to do, and they get on with doing it, even when we may not like the side-effects.Based on current events – as awkward as it appears, the two may be lowering the wall though just enough to communicate and collaborate – is this the point of no return I wonder. Some would suggest we potentially have enough government already, and more involvement in monetary policy would be frightening / Some might say the damage being done in terms of rising inequality, needs to be dealt with. Either way, the NZ’s central bank could become a central focus in 2021Jenée Tibshraeny is financial journalist for interest.co.nz and is an acclaimed reporter who covers the interaction between government and economics. I have her on the show today because I have some questions about the Reserve Bank._________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________The NZ Everyday Investor would also like to acknowledge the support of kōura.Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But professionals know there’s the third, arguably more essential  component to consider - asset allocation. kōura's digital advice tools will build you a KiwiSaver portfolio that has the perfect asset allocation just for you.  Of course you could also just choose your own KiwiSaver portfolio with them too.  <a...

Stimulants, depressants, and LVR’s – what do these things have in common?Well, they’re all attempts to force change on an otherwise natural state. Markets boom and then they bust – the pendulum swings – there are gains there are losses, but in the long term it all kind of works out. That’s equilibrium – and it’s not that pretty.What happens in the macro, happens in the micro also - short term its chaos, but as long we keep our speed low and velocity high, we're all good.Intervention (lower official cash rate, bank funding for lending programmes, large scale asset purchases), distorts not only the free market, but ultimately the end state of the everyday investor.Free markets are seldom pretty, but because we prefer pretty, we vote for more intervention every chance we get.To stimulate growth following the global financial crisis in 08, well ahead of the coronavirus pandemic, interest rates were lowered. As a side effect of this intervention though, the housing market took off – to offset this, loan to valuation restrictions were implemented.Hope you enjoy part one of my discussion with Jeremy. _________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________The NZ Everyday Investor would also like to acknowledge the support of kōura.Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But professionals know there’s the third, arguably more essential  component to consider - asset allocation. kōura's digital advice tools will build you a KiwiSaver portfolio that has the perfect asset allocation just for you.  Of course you could also just choose your own KiwiSaver portfolio with them too.  Give them a try and see what your ideal KiwiSaver asset allocation looks like for you.__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or...

Buying a home is a really important thing to do...if you can.The dwelling is for your enjoyment, the land is for your investment / renovating to add value is a myth, why property prices are not the thing to focus on / the evils of conservatism.Hope you enjoy this second and last part on the sessions with mortgage Alex Matheson._________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________The NZ Everyday Investor would also like to acknowledge the support of kōura.Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But professionals know there’s the third, arguably more essential  component to consider - asset allocation. kōura's digital advice tools will build you a KiwiSaver portfolio that has the perfect asset allocation just for you.  Of course you could also just choose your own KiwiSaver portfolio with them too.  Give them a try and see what your ideal KiwiSaver asset allocation looks like for you.__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage an authorised financial adviser to provide guidance around your specific goals and objectives._____________________________________________________________________________

2020 was the year that first home buyers got their groove on again...some did anyway with the first timers getting almost 25% of house sales. It currently takes up to 3 weeks (at time of writing), to obtain pre-approval of finance from a bank. It also sounds like for every house sale, there could be  up to 10 individuals who have all engaged their banks, lawyers, builder and valuers - all undertaking some sort of due diligence. There is so much wastage in the property purchasing industry.This episode is about trying to help you avoid the pitfalls when buying your next home and involving the bank- because pitfalls suck balls, and whatever else that falls down them.Some questions we're going to discuss here:Bank vs AdviserHow to fill out an application formDoes it matter who your parents are?How important is a track record?These are some of the most common pitfalls that first timers fall into (and even if it's not your first rodeo too).Now as promised, courtesy of of Financial Advice NZ - here's a list of all member advisers. You may also wish to check out this episode if you're looking to purchase via auction.___________________________________________________________________Hatch / NZ Everyday Investor, Investing Challenge!Start investing regularly. It’s not about picking stocks, it’s all about investing regularly towards an objective! The goal of the challenge is to get you to start making regular contributions to your investments, to build long term wealth. Now to help you with this challenge, Hatch is going to give one lucky person a $500NZD top-up to their Hatch account. To enter the giveaway, head to:https://www.hatchinvest.nz/nz-everyday-investor-giveawayTerms and conditions: https://www.hatchinvest.nz/nz-everyday-investor-ts-and-csJust pop down your email address and your goal you have when it comes to investing – that’s right – if you put it out there, it’s more likely to happen. The challenge will run from Monday 16 November to Monday 30 November, and the winner will be announced on Tuesday 1 December. So don’t put this off – if you’re in a position to do it, click on the link now. If you work for money, put some of it to work for you today – good luck!__________________________________________________________________The NZ Everyday Investor would also like to acknowledge the support of kōura.Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But professionals know there’s the third, arguably more essential  component to consider - asset allocation. kōura's digital advice tools will build you a KiwiSaver portfolio that has the perfect asset allocation just for you.  Of course you could also just choose your own KiwiSaver portfolio with them too.  Give them a try and see what your ideal KiwiSaver asset allocation looks like for you.__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes,...

Are foreign buyers behind NZ’s latest housing boom?The latest report out of the Real Estate Institute shows New Zealand’s median house price was 20% higher last month than the same time last year, while in Auckland the median price has now shot north of $1 million. Naturally, for the many New Zealanders trying to enter the housing market this has been a real cause for concern over the past few months. This concern has evolved into all out rage on the public stage, as frustrated home buyers look for somewhere to focus the blame. These are all ‘demand-side distractions’, when the core issue is in fact, supply. The blame-game continues to play out though which of course ropes in the Prime Minister, the Reserve Bank, over-anxious first home buyers, and property investors, just to name a few. But for foreign buyers, the group of cashed up internationals usually at the centre of these media storms, the public has been rather quiet. That’s because in 2018, New Zealand introduced the Overseas Investment Amendment Bill, which virtually cuts out foreign buyers of the residential market.The ban was borne out of this public sentiment as the public searched for someone to blame. Was there ever a problem here - we’ll never be sure as the data collected was never clear enough from the start.“There was a perceived problem that there were too many foreign buyers on the market. There were anecdotal stories in the news of buying a home in Auckland and being surrounded by foreign people,” said Geoff Caradus, a lawyer at Pitt & Moore.So has this ban, intended to temper New Zealand’s surging housing market, been successful?“It’s been very successful in stopping overseas people buying residential property in New Zealand to the extent it was intended to be,” however, “the devil is in the detail with this sort of stuff.”What makes someone an overseas buyer?An overseas person is defined as someone who does not fall in the below 4 categories: Have a resident’s class visa,Have been in New Zealand for at least the last year,During the year in New Zealand you have spent at least 183 days in the country,And you’re a tax resident in New ZealandThis covers the individuals, but it also extends to the entities they own and control. As lawmakers know, higher worth individuals often have a myriad of trusts and organisations in their name. Could it be possible these entities have been used to ‘hide’ the true origin of the purchaser or their money?“The people who write these laws know all that stuff, they aren’t idiots. So they made the threshold that if 25% of the entity is owned or controlled by an overseas person, then the entity itself will be considered an overseas person.”A wealthy yet disgruntled Trump supporter looking for greener pastures, may find the first three controls fine, but you lost them at the 4th.“We talk with people about options for buying land and the conversation is going well, until we tell them about them getting to the tax residency,” laughs Caradus.Caradus and his organization will receive around a request every month from overseas people looking for loopholes for these tough new laws. “The overseas investment office has been very active in pursuing violations of this law,” said Caradus.Lawyers and real estate agents are all equally obliged under the bill as well as new AML (anti money laundering) restrictions, so aiding and abetting this kind of behaviour would put any professional squarely in harm’s way. This nevertheless, doesn’t discount a less scrupulous lawyer than Geoff, taking the lost client instead, right?“If you’ve got someone lying to their lawyer, lying to their real estate agents and risking the millions of dollar fines that come with the act, I wouldn’t say that means the act has failed. People will do all kinds of...

In this wide ranging interview Darcy sits down with Natalie Ferguson & Kristen Lunman from Hatch Invest to talk about encouraging good behavior from retail investors, why a Hatch employee’s kid loves him more because he owns Disney shares, and the benefits of planning for a portfolio nosedive.***Note, for those using the audio only version, Kristen is the Co-founder with the Canadian accent and Natalie is the Head of Product with the Kiwi accent————With retail investor mania clearly on the rise, there's been a widely held opinion from the stiff lipped, long-time investors, that most of these investors are going in blind. Perhaps this is true from the wider global community led by the likes of Davey Day Trader, but Hatch counts their users outside of this group. Hatch is on a mission to buck the trend of under-informed investors heaping into bad decisions by supporting initiatives that provide independent commentary/education; and it’s been returning dividends. A recent survey of Hatch users found that a massive 97% of its users self-report having done their research before investing, through a combination of annual reports, analyst reports, and share price trackers. “Well I think if you compare Hatch with any other investment platform, it’s our education which makes the difference. You get that education, you get that support, you get that community; to make wiser decisions,” said Natalie.As head of product, Natalie has made a concerted effort to distinguish themselves from the likes of Robinhood in the United States. The retail investing app has seen widespread criticism for using nudge theory — the idea of encouraging behaviors through clever pushes that the podcast covered about a couple of months ago — to lure poorly equipped investors into frequent trading.“My biggest concern is that the easier that you make something to get in, the easier it is to get out also", said Darcy.“We made the browsing experience pretty full on to start to make sure people did the research on what they wanted to invest in, without leading them into making a particular investment.", Said NatalieHatch has intentionally designed the platform with small fees on each transaction, so as not to encourage frequent daily trades. They have also removed celebratory emails after every transaction, instead, they focus on celebrating things like receiving dividends at the end of year.Passing down financial educationOn the cards in the coming weeks, is Hatch’s first foray into investing for kids, which they see as a positive way to build better financial understanding amongst the next generation. For Kristen, buying her son into Nike, one of his favourite companies, has formed the perfect introduction to investment education. “It’s such a good way to get them engaged,” said Kristen. Purposeful investingOne of the biggest lessons that kids and adults alike need to learn as the world navigates a highly uncertain world, is the idea of pre-determining your response to changing circumstances in the market. “I encourage anyone who is investing anywhere, if things did go up or did drop it’s a really good idea to plan in advance for how you’re going to react,” said Natalie.Whether it’s written down, spoken to a friend, or drawn on a notebooks somewhere; any investor should have a strong strategy for what happens when investments drop. Naturally, seeing your important investment freefalling is going to be of concern, but with a coherent strategy in place, investors can feel confident of an eventual rebound. “If when you look at your portfolio and it’s...

Neglecting financial advice can cost you a fortune in retirement; FSC studyKōura’s Rupert Carlyon joins the NZ Everyday Investor to discuss the role of digital advice in helping give more Kiwi's a leg up with their investments, why it doesn’t mean traditional advice is done for, and look at the often neglected $20,000 and below Kiwisaver balance holder. While most people in the financial services industry can hand on heart tell you that their advice leads to better outcomes for their clients, it’s often more difficult to prove . Recent data from the Financial Services Council brought this idea from opinion, into the realm of hard fact. According to their research, based on more than 2,000 people across New Zealand, those that received financial advice had a 50% larger Kiwisaver balance. It’s an amazing statistic, but an unsurprising one for those working day to day in the industry. Still, the harsh reality is that often those who are 'already on their way', seem to be the recipients of good advice.“It basically doesn’t make sense for a financial advisor to take on a client with lower savings,” says Rupert Carlyon.Investment advisors often (but not always) earn revenue by the amount of assets under management. There aren’t sufficient market forces to make it worth the while for a high-street financial adviser therefore to take on a client with a small Kiwisaver balance. What is financial advice?Advice, as Rupert understands it, can be divided into two separate parts. The first being the asking of questions. What is your specific financial situation? How much are you currently contributing to your investments, and what is your ultimate end game?From there, an adviser has the foundations to give catered financial wisdom based on a client’s specific circumstance. For Rupert, who’d seen the rise of robo-advice overseas, he realised that going digital was the best way to capture the broad spectrum of the New Zealand public who were failing to get advice. Their digital tool is built on the same methodical steps that a human financial adviser would take when assessing a client’s financial situation, before generating a solution catered to them. For many, the realisation that they’re less prepared for the retirement that they had dreamed of ,has become a consistent come-to-Jesus moment.“The biggest piece of feedback we get from people using our tool has been the surprise of seeing how much they’ll actually be getting on a weekly basis in retirement,” said Carlyon. Often we focus on the amount - $1m, $2m, $500k, $10m - everyone has an opinion on this but what does that lump sum of money actually mean for you?Why digital advice could be a game changer for NZ’s under-advised.Kiwisaver has been a wildly successful means to bring the broader spectrum of New Zealanders into the world of investment, but there has been some apathy in many people’s engagement with the retirement product. According to a September Westpac survey, only one in four people aged 18-24 know what type of KiwiSaver fund they are in.“We’re hoping, with digital advice, we’re giving a whole new world of people advice they wouldn’t have otherwise had, which enables them to make better financial decisions,” said Rupert. While the show’s host may be a authorised financial adviser, does the advent of ‘digital advice’ make him and his colleagues in the industry want to run for the hills and become real estate agents with outgoing MP, Paula Bennett? Short (and long) answer, no. “In March when everybody is watching their investments drop 10’s of thousands of dollars,...

When Rupert Carlyon, CEO of Kiwisaver fund, Kōura, tells me that “asset allocation is something near and dear to my heart” my first instinct is to laugh out loud - how could something so boring be so good? If buying and selling flashy individual stocks is the weekend Tesla joyride side of investing, “asset allocation” sounds more like commuting to work in a Toyota corolla. My morning commute is not, by any means, near and dear to my heart. But I wanted to hear him out. Carlyon’s built a Kiwisaver scheme which upends the simplistic idea of assets falling into three different classes — conservative, balanced and growth. Just as being ‘conservative’ doesn’t mean you agree with every National Party policy, the Kiwisaver industry has survived for too long now dividing people along crude party lines. Kōura’s online advice tool helps place people across the spectrum of risk profiles, so naturally, as time passes, so does the way you’re invested. Definition: Asset allocation is a simple concept really - It’s the implementation of an investment strategy, designed to to balance risk and reward by adjusting the percentage of each asset in an investment portfolio. The assets may be cash / fixed interest / property or shares. Each asset type has different characteristics like including volatility (how much is it going to change in value), returns (how much are you going to be rewarded for your risk over time) and liquidity (the ability to convert the asset into cash).“As much as it might not feel like it for some people, Kiwisaver is an investment. It’s not set and forget.  If you’re going to be retiring at 65, by 45 you should already be reconsidering asset allocation,” said Rupert.Similarly, asset allocation is an important concept for all investors to understand as you slice up your own pie.  What is your risk appetite now? What about five years from now? What proportion of your overall portfolio will go to high risk but high return investments like shares? How much toward things like bonds and well diversified exchange traded funds?Once you’ve determined how you’d like to divvy up the pie, you need to build a proper strategy and stick to it. The pie you made six months ago might look considerably different to the one you have now, particularly as different parts of the portfolio outperformed and outgrew others.This is where the idea of rebalancing comes in. Rebalancing is the act of skimming off the top of some of the elite performers in your portfolio, and putting some of those earnings into parts that might not have done as impressively. It’s a way to keep your investment strategy consistent and strategic, which is highly likely to correlate to long term success. It’s counter intuitive for most to murder your darlings however.“Do you really think you should have 99% of money in Tesla? I don’t think you want your whole livelihood based on Elon Musk’s next tweet.”Rebalancing and asset allocation may not sound like the world’s sexiest conversation topics, but it’s incredibly sensible if not for this very simple reason: When investing seriously, you need to have a strategy, and this is as bullet proof as they come.Disclaimer: Koura Wealth is a partner of the NZ Everyday Investor and has contributed financially towards the podcast to support content designed to empower everyday investors._________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're...

If you own property and have mortgage debt, if you invest in publicly traded companies, if you’re retired and trying to live off savings - the environment has been changing for some time, but we’ve just had years of change within just a few month. Your investment strategy should take into account the change already occurring – but that’s not the same as saying you should change your strategy because of your environment though.In today's show we cover off some of the reason's why the Reserve Bank is doing what they are doing and some of the consequence of them acting/not acting. SPECIAL NOTICE TO PROPERTY BUYERS: I’d really like to hear about some of your experiences or challenges you had recently if you’ve bought, are buying, or about to buy a home. Your input could inspire, or be used, to create a new property related series this summer. It could be your first or your fifth – I want to know what it was like in the auction room, how you received guidance along the way, some of the things you wish you knew from the start legal stuff, real estate agent stuff, finance stuff, or anything really. If you’re okay with hearing your voice on the podcast – here’s what you can do. 1- make sure that you’re following the NZ everyday investor on Facebook; 2 – send me a video or voice-message using the messenger app, no more than 2 mins long, which either tells a story or asks a property-related question. That’s it – that’s all you need to do – I’ll use this for inspiration and may include the clip you provide too. Thanks in advance!_________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________The NZ Everyday Investor would also like to acknowledge the support of kōura.Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But professionals know there’s the third, arguably more essential  component to consider - asset allocation. kōura's digital advice tools will build you a KiwiSaver portfolio that has the perfect asset allocation just for you.  Of course you could also just choose your own KiwiSaver portfolio with them too.  Give them a try and see what your ideal KiwiSaver asset allocation looks like for you.__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter...

Last week we went down the Bitcoin rabbit hole, and this week we journey even further into the many warrens that make up this exciting (and utterly confounding) blockchain space. We start off by talking about the world of money as we understand it, where our dollars can be broken into a couple of different categories; cash and the rest of it. Cash is the stuff buried in our backyard, stuck behind our couch cushions, and whirring around the black market. The other stuff is the majority of the money we deal with. The banks will generally lend out far more of it than they actually have on hand at anyone time - this is fractional reserve banking.You could say a dollar is born every time you get a loan. It then floats around for a bit and dies, when tax is paid loan is repaid - Hakuna Matata!The next fastest growing category is in digital currencies such as Bitcoin and Ethereum, which were spun out in direct protest to the problematic situation just described. Because blockchain-based digital currencies share one ledger between every computer involved in a decentralised manner, the double spend problem is avoided and we have great traceability of this money. As you’d expect for monopolistic companies and anxious nation states both, these decentralised currencies can make them feel a little insecure. As a result, brands like Facebook have been busy trying to roll out their own digital currencies, while reserve banks around the world are desperately trying to regulate so they can spin out their own version, in the form of Central Bank Digital Currencies. Basically, the promise of ubiquitous digital currencies feels inevitable; it’s really a race to see who arrives first.  It could come down to 'the people' vs 'corporate' vs  some sort of government/central bank alliance As Mark puts it in this episode, “we now live in a global village that doesn’t recognise geographical boundaries. It doesn’t make sense to have a world government, and it’s a really bad idea to have a capitalist corporation doing it, so what else can we do?”Queue DeFi, or decentralized finance. In the broadest of terms, DeFi is a financial system built on the inherently shared nature of the blockchain. Because these systems aren’t owned by any one person (even the Dalai Lama could surely be corrupted at the right price), they’re virtually impossible to be soiled by personal interests.  More recently, the money going into some of these applications has been going gangbusters. Up in the many billions of bucks, people clearly have an appetite for the likes of Augur, for betting, Aave for borrowing and lending, and Uniswap for decentralised crypto exchanges. It has lots of the signs of the ICO boom (and then bust) in 2017, but it also has the promise of a fairer, less corrupt financial system. Of course I would advise with something as inherently speculative as this that any investment should be no more than you’re willing to lose. There is no 0800 number once you’re out there. You’re exposed to the elements. To get in contact with Mark:TheDAO.AgencyPhone/Whatsapp: (+64) 21 223 7132Telegram: @mark_pascallLinkedinKeen to learn more about how you can purchase crypto? Check out episode 94 here with Easy Crypto for a bit of background as to why I recommend them for any first time Crypto buyer to be. If you're ready to get into Bitcoin, make a start...

Christian first got into crypto currency in 2017 when many people, including myself,  were piling on. If you were there at the time, you’ll remember it as a period of pure euphoric derision. There were coins for everything and Bitcoin was on its way to landing on mars — as Christian put it “anything with a ticker was going to the moon.”As we all know, this didn’t last forever and the all time highs set back then haven't [yet] been revisited since. Plenty of people walked off with their tails between their legs, while other more evangelical owners like Christian and myself decided to stick it out. I remember a conversation a couple of years ago with another guest — an intelligent guy — who lamented that ‘it’s a ponzi scheme and it’s going to zero – get your money out now’. Smart fella, sure, but I’m glad I’m glad I didn’t heed his advice. How often do we conflate intelligence with wisdom right?We’re a few years removed from these discussions now and there’s a general consensus that Bitcoin is very far from, as my friend put it, a ponzi scheme. At the core, Bitcoin is uncensorable and incorruptible items of digital value. Many people are put off by the stories about hacks, but fail to understand that these are taking place on exchanges or through digital wallets, quite separate from the bitcoin blockchain itself. Yes, we are right to be sceptical about some of the actors working on the peripheries of Bitcoin, but there’s pretty compelling proof in the legitimacy of the technology itself. Of all of the cryptocurrencies, Bitcoin is the original. It arrived with its founder “Satoshi Nakamoto” (a pseudonym that I successfully butcher on the podcast - Natoshi Saka what?) Nearly 12 years ago the whitepaper was delivered to us, which, Christian posits, is a relatively good reason to assume it will still be around 12 years from now, too. He credits the Lindy effect; a theory that the future life expectancy of a technology is proportional to its current age, so that every additional period of survival implies a longer remaining life expectancy.This brings us to the question of whether Bitcoin will be boom or bust in the long term. Should Christian be right and Bitcoin is still front and centre 12 years from now, it would make sense that it has either been deemed absolutely worthless and the value dropped down to zero, or perhaps that it’s been elevated to becoming a cornerstone value, not tied to any particular country. My guess on which one of these two futures will come about is exactly that — a guess. Christian and I are biased owners of Bitcoin who are both excited in its long term promise so please don’t use this as investment advice on a highly speculative asset. If you’re considering dipping your toes into crypto, do your own due diligence thoroughly and independently.So on that - check out episode 94 here with Easy Crypto for a bit of background as to why I recommend them for any first time Crypto buyer to be. If you're ready to get into Bitcoin, make a start here by setting up an account with Easy Crypto._________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you...

Today, I’m talking with Paul Goldsmith, National Party’s finance spokesperson in NZ.You could look at running a country as something akin to running a household, running a business, or an exercise in academic thought. Broadly speaking, you could say in NZ these are the main styles you get with the various political partiesPopulism, or a political approach that strives to appeal to ordinary people who feel that their concerns are disregarded by established elite groups, happens on both the left and the right of the political spectrum. Either it’s the financial-elite, or the intellectual-elite that ‘ordinary people’ tend to rage against from time to time. As the increasing wealth-gap materializes, there’s a risk that leaders may exploit this to gain positions of power.So a question for you to ponder – is populism taking hold in NZ already?Leadership is one thing many of us focus on, but what the parties actually stand for is perhaps where we should be voting from. The government can influence how fast and how much wealth you, the everyday person, can create.  Paul Goldsmith has been getting plenty of media attention on the National tax plan recently and specifically, the mistakes made on the calculations, but very little of it on the policy details. Thankfully, the NZ Everyday Investor podcast isn’t a space for ‘gotcha’ journalism, let alone any other type of journalism if I’m honest! People make mistakes, and until decentralised autonomous governance becomes mainstream in politics, we’re stuck with these analogue politicians, and the humanity that comes with it.According to Goldsmith, “no one’s ever taxed their way out of a recession.”That’s not some vacuous rhetoric from another politician, either. Goldsmith was a historian in another life and is the author of the book ‘we won, you lost, eat that,’ NZ’s first and only history of tax. If he was to submit a reissue 10 years from now, it would be very interesting to see how many chapters this particular era would take up in his book. Unfortunately, Labour was the only political party invited that was unable to join the podcast, and believe you me I did try (and am still trying!) – so while we weren’t able to hear their side, it was interesting to hear the reasonably moderate approach from this country’s centre right party today. What National proposes leans on the idea that by encouraging the private sector instead of leaning on government sponsored programmes, you can create the growth needed to power us out of this debt-infused, post-Covid world. If we can improve households through a small boost in the take home pay, and incentivise businesses to invest, then it will potentially allow for greater prosperity and long term jobs. So In reflection of my time speaking to these political figureheads, one thing has become clear above all. Each of the major parties is interested in the same thing; a better, wealthier New Zealand. Some want to slice up the wealth and share it around better, some what to grow the pie, and some just want to clean the oven the pie gets cooked in.We’re all equal at the polls, so let’s make it an informed one this year – governments can influence significantly, the speed at which we can create wealth, and the amount of wealth we can actually enjoy in our future. Hope you enjoyed these brief series!________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, <a...

Putting Government on a diet & the case for a simplified tax systemIs tax love, or is it tall poppy syndrome? Should we keep printing cash until everybody’s rich and is this even possible, or are we setting our kids up for failure in the future? By all measures, the ACT party is surging. If polling is anything to go by, its sole representative in parliament this past term, David Seymour, is set to be joined by a number of ACT colleagues this next term.So what does the ACT party stand for and what can we expect from the most libertarian-leaning party heading into next month’s vote?Less government, for one thing. “Government is undoubtedly good for some things, but people should, by default, be voting for smaller government,” said Seymour. The belief here is that more money in the hands of everyday Kiwi’s will likely create better aggregated outcomes than a centralised ‘wealth redistributor’. From an outsider’s perspective, it’s initially quite easy to agree with this. When I pay tax I don’t feel the “love” (as the Greens so kindly described it recently). In fact, I’m still waiting for a ‘thank-you’ card for all the working groups I’ve funded lately. It’s not so much the magnitude f tax paid, it’s how it’s being spent that some take issue with. Of course there is a role for government still - when it comes to health, infrastructure and education - some government of course is absolutely essential. When you're literally the country at the end of the earth  though, we need to be efficient - really efficient. In the short run, perhaps increasing taxes on the most wealthy (subject to how that’s determined!), can potentially unlock some dollars and create some momentum in the economy - in the short run. This of course assumes an efficient and effective re-distribution of that wealth. But what happens after that wealth is redistributed if you’ve murdered the golden goose that produces it in the process. Well nothing I guess, it's dead. That's the end game of every other country that's been tempted into following the ideals of socialism.So it was disappointing, albeit expected, when Seymour reminded me that they’ll be pausing their 17.5% flat tax rate in light of our recent economic plights. The proposal, suggested before the pandemic, simplified tax across the board, so every dollar earned whether it’s your thousandth or your millionth, attracts the same tax rate. Simple. Efficient. Motivating. If you’re ambitious, knowing you can keep more of what you can earn , should be music to your ears. And hey, if it incentivises you to earn 3x more as a result, you could end up paying the same nominal amount of tax regardless, but with a larger smile on your dial.Seymour argues that a flat-tax would cut down the bulk of the administration (increase efficiencies). More importantly, it could greatly reduce the likelihood that thousands of family trusts and limited liability companies will find new life as tax avoidance vehicles.The flat-tax though, while  potentially rational in regular economic conditions, simply couldn’t fly with the sheer volumes of debt we’ve recently taken on and will continue to take on. Having said that - if it's really true that we cannot tax our way out of a recession, perhaps there's still a case for it?Until change happens, we still have more of the same type of tax-system in NZ - You could call a progressive tax system “tall poppy syndrome in the tax code,” but it undoubtedly has benefits for a country wrestling with a considerable recession.For further reading:Use of Knowledge in Society: <a...

For too long I think, we’ve fixated on income exclusively and not on capital gains when it comes to making investment decisions, and tax policy also. The Green Party have plans to change that.We’re taught from a young age to get educated, get a good job, pay your taxes, repay debt, and then invest, ideally in things that produce positive cashflow. This, default, ‘value-investing’ paradigm places a relatively low reliance on expected gains we should be making from increasing property values or investments. When incomes are now increasingly likely to be at risk of being disrupted in a post-Covid world, and when central banks and politicians, are more than happy to debase our currency a al quantitative easing, is this really the paradigm we should be using in the new world?Our tax system, also supports this baseline assumption that you’re rich if you earn ‘high income’ (a relatively relative statement!). You may think we pay a reasonable amount of tax already in NZ, although I suppose the less you earn, the higher you think the tax rate should be, but only on those who earn more than you. So while your income is taxed on the way into investments, in many (but not all) cases, the growth in your investments is largely un-taxed. This favours those who are ‘already there’, and makes it harder for those trying to get there. The fruit the tree produces gets the attention, but the tree itself is left alone.So is it true that in the new world, gains on investments (capital gains) perhaps can be considered more reliable than our incomes? If it is, understandably, government will try to position itself to benefit from this trend – perpetual money creation to solve the immediate problem will only get us so far.I’m talking with James Shaw today, co-leader of the Green Party. They’ve come up with a proposed wealth-tax – and while I (and perhaps you too) don’t like the idea of giving away my fruit, as well as my wood, they’re trying to solve a problem I think we can all agree needs to be solved – the increasing wealth gap. Next week I’ll have another perspective on this from one of the other parties, but I hope, no matter where you are on the political spectrum, you enjoy today’s show._________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. ________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for...

There’s 4 types of investors out there, well, there is according to our guest today – You can be: Lazy+stupid, Hard-working+smart, Hard-working+stupid or you can be intelligent and lazy. In a financial world dominated by hard-working and smart voices, it’s hard to get guidance around money matters without feeling like you’re not doing enough, or you’re not smart enough. In today’s show, my guest is Cole Hauptfuhrer. Cole learned how to gamble at the age he started school. He learnt how to invest on a boat, then over 4 years he increased his investments more than 12-fold while beating The S&P 500 by more than 1,150%. Cole believes in focus investing – focus investors invest infrequently, and only invest when they possess high conviction that the odds are heavily in their favor, and then they bet big. I guess there’s the connection to gambling. The difference between gambling though (where the house always wins) and investing – is that it’s possible find positions where the probability and magnitude of a gain is stacked in your favour. Cole is really passionate about putting out content to help people take trans-formative action, at scale, without getting hurtTo quote Cole himself, "Investing's hardest actions are to research, buy, and hold.” This is surely the mantra of any intelligent, yet lazy investorCheck out Find Fat Fish here.Please note that Cole is not a registered or authorized financial adviser and is not on the Financial Services Provider Register (FSPR). As with any guest  or topic on this show, listeners need to do their own research. I will continually have guests on that have a broad range of views that may challenge me and others, but this is not a specific endorsement in any way to acquire of dispose of their services. _________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________The NZ Everyday Investor would also like to acknowledge the support of kōura.Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But professionals know there’s the third, arguably more essential  component to consider - asset allocation. kōura's digital advice tools will build you a KiwiSaver portfolio that has the perfect asset allocation just for you.  Of course you could also just choose your own KiwiSaver portfolio with them too.  Give them a try and see what your ideal KiwiSaver asset allocation looks like for you.__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support

Neo Banks for the Neo WorldIn this episode, reformed banker Travis Tyler and I discuss building a new model of banking, open banking, and break down some of the challenges neo banking faces long term. After a couple of lock downs this year, I’m reminded about how redundant so much of what bank branches do. Like many things, Covid defines what essential is. If it’s not essential, it’s not going to be profitable in the new world.Travis, joining me from Sydney today, works for 86:400, an Australian “neo bank”. Neo banks are held to the same government standards and regulations as traditional banking, but what’s different is their lack of legacy. With smaller teams, and no bricks and mortar, neo banks are well-positioned to rebuild what banking should be, based on what customers want. Neo banks are a tasty option for tech-savvy people initially, but I can’t help but think this is the way of the future - a future that will be extremely disruptive for the status quo.86:400, being the number of seconds in a day, is a company launched late last year, perfectly timed amidst the massive anti-bank blowback following the Royal Commission’s stiff review of Australian banking behaviour. “Our whole model is built around delivering customer success with the belief that business success will follow,” said Tyler.They’ve managed to do pretty well for themselves since launch, all things considered, even introducing Australia’s first neo bank mortgage, with some competitive rates to match. The question for them now is, how can they thrive and make money in the current climate? Neo banks have been famously struggling to make a profit internationally, but 86:400 has a view that they can win with a broader product offering and an alliance with mortgage advisers for efficient distribution.Where do we stand on neo banks in NZ?New Zealand still seems to be stumbling around at the start line to get on the neo bank trend, with no local companies of the kind operational yet, despite rumours that Revolut might be eyeing up our pristine shores. More on this later.The most significant point of resistance so far has been our non-existent open banking. The idea with open banking involves setting customer data free to roam the wild in an attempt to provide more of a benefit to the end-user. This allows for more streamlined money management for customers as well as encouraging a more competitive market.Since the calls from Kris Faafoi for banks to share APIs, banks have potentially made a start down this path, but unless they set the data free soon, they risk being disrupted in a big, big way. Banks, like many financial institutions, thrive on customer inertia, so open banking presents a potential short term threat to their profitability. Will they play the game, resist the inevitable, or gobble up the threat? Time will tell. It’s going to take balsy leadership to lead the charge here. Travis discusses open banking, the pros of neo banks and cons of legacy banks (from a reformed banker), and the potential for New Zealand to learn from the Aussies as we move into a new wave of digital disruption. Click here for more information on 86:400_________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given...

What does retirement even mean in 2020? As our lives get longer, and our careers span far beyond what generations before had, the lines are getting very blurry around when our retirement actually kicks off. It’s not so much that your working life has ended, it’s just going through a transition.Retirement isn’t nearly as two dimensional as it gets credit for either. In fact, it takes many different shapes over the years where we transition from our professional life to our very last year — and each of these stages has different financial requirements. Liz slices it up into three key stages which form a simple way to plan for the amount of money you’re going to need. The ‘live it up’ stage: You’re still fit enough to give life a good thrashing - just like right now, but with more time to spend on yourself.The ‘fix it up’ stage: You’re a little older, and perhaps not so keen to travel, but the house/hips/eyes really needs a bit of work.The ‘wind it down’ phase: We’re on to the final approach - here it’s about spending your last years exactly how you want.Many believe that we’re ready for retirement when we have enough money invested that can generate sufficient returns without having to work — what I call the “nirvana of passive income”. It’s a tantalising thought, but when it sends us to the grave boasting a multi-million dollar empire that we barely touch, is that really success?The older generation is still singing the passive income tune (it worked for them so why not?), but at some point, you need to do yourself a favour and smell the roses. Give yourself permission to spend the money you worked hard to accumulate.  You can’t take it with you, your kids may not want it, and life really is short after all. Liz argues you’re better off taking the second cruise trip, in fact, while you’re at it, go ahead and tick every damn thing off your retirement bucket list as you can! In this podcast, Liz and I dispel some of the myths around reverse equity mortgages, discuss the potential benefits of investing in a Lifetime income annuity, talk about the pros and cons to dealing with mortgages early, and help tie it all together with the example of a couple nearing retirement.Reading:Reach out if you’d like a copy of Liz’s E-Book “Buckets of Money in Retirement”. Please email me on [email protected] to get your copy.https://www.lifetimeincome.co.nz/http://enrichretirement.com/_________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on <a...

Hamesh Sharma is a Portfolio Manager at Pathfinder Asset ManagementHoodies, onesies and jumpsuit investors may trump the suit and tie investors in the nice corner office. Hamesh Sharma from Pathfinder, joins me in a discussion around the rise of retail investor mania. Is it inevitable retail mania will end in tears, or is a fundamental shift in mainstream investing at play?Retail investors — meaning regular people investing on behalf of themselves, not big institutions — are on the rise. According to one online investment platform, these Mum and Dad investors are now accounting for 25% of the share market, a number which looks to be steadily growing.With wage subsidy money lining many accounts and sports gambling mostly out of order, Hamesh has watched in terror as these new retail investors emptied hard-earned savings into the likes of Air New Zealand, a company burning hundreds of millions of dollars with planes parked up at airports around the world with no border opening in sight. Why? Because the price has decreased and the government will surely bail them out - it must be a bargain!It’s a pattern than many newer investors exhibit when they’re starting out. We can observe this when looking at companies like Hertz, which saw a stock price resurgence in the fourth quarter of their bankruptcy proceedings; Nikola Corp, a company with no product to sell even had a short spurt where it was valued higher than Ford; and Tesla, whose price jumped considerably upon announcing they’d be splitting their stocks, despite it having no material impact on the company’s value. If you’ve been investing for a while, these signs and symptoms of mania should worry you. It seems to laugh in the face of reason, seen most absurdly in the popularity of BarStool Sports’ Davey Day Trader.  Markets should respond to logic — a company’s value should be proportionate to its fundamentals; earnings, track record, that kind of stuff. Miseducation among investors appears to be at an all-time high.Then again, I can’t help but wonder, could these newer investors teach the status quo a thing or two about the world we’re heading into? Perhaps pure, illogical speculation in brand names is what ‘investing’ has been for a long time – maybe there’s not much of a difference between owning Bitcoin and Berkshire Hathaway?Back to mainstream thinking though: Just because a stock that was once high is now low, doesn’t mean it’s a bargain. The markets aren’t stupid, and to assume they are is a sure-fire way to get your face ripped off. Sure, you’re going to find examples of companies that you see as being chronically undervalued by the market, but make sure you do your homework to understand their fundamentals before giving them your money. We’re seeing plenty of little bubbles forming, nothing yet on the scale of the infamous dot com bubble of the nineties, but something very much worth keeping a watchful eye on.Many Kiwi’s, myself included, have benefitted by having quality access to the markets, but education is vital to reduce the downside risks associated with providing access to all. Even if Davey Day Trader is right, and the ‘old fundamentals’ no longer apply, eventually the market will factor this in. In today’s podcast, myself and Hamesh get real on this rise of retail investments, bubbles, irrational trading, investing vs gambling, and why, ultimately, more investors are really a good thing for the economy. https://www.path.co.nz/https://caresaver.co.nz/Davey Day Trader...

The Rise and The Risks of Night Trading ——————————————————Professor Ananish Chaudhuri of the University of Auckland has made a career out of building games to test out economics theories. His most recent research looks into the impact of sleepiness on the behaviors of the growing class of ‘night traders’. Our podcast digs into trading, investing, the differences, and why, above all else, the most critical investment strategy is actually to have a strategy in the first place.  ——————————————————Would you consider it a good idea to hop behind the wheel with a few beers under your belt? What about trading stocks? There’s plenty of evidence to show that drunk people are far more likely to underestimate the downside of a decision, which is a key reason why 16,000 New Zealanders still drink-drive every year. I sat down with Professor Ananish Chaudhuri from the University of Auckland to figure out why, and how these same risk management impairments people display when they’re inebriated, also extend to people who’re exhausted.Years ago, Chaudhuri read a Forbes article looking into the rise of a particular new investor — the night trader. Armed with his understanding of how exhaustion impacts the likes of shift workers, he set out to learn whether people chugging red bulls late into the night trading stocks were ultimately doing themselves a disservice.The resulting research, which asked uni students to trade at varying hours in the day (and night), had some intriguing results for a growing number of Kiwi traders. “People who were sleepy made systematic mistakes,” said Chaudhuri. Even knowing how the game works, is not enough to inform participants well.You would assume the old rule of thumb applies here - buy low and sell high. In reality, the opposite of this occurs. “They buy late in the game at high prices, and hold on to these stocks much later. So when the market crashes, they lose money.”Not only that, but ‘alert people,’ those working at more optimal times, were intentionally taking advantage of the sleepy suckers. One of the most interesting things to learn for investors reading about this study, is that it doesn't make a difference if you're playing with small or large sums of money. Even though the participants of the study were working with chump change, Chaudhuri says that risk taking habits with small sums are generally consistent when the same people are dealing with far bigger numbers.Now this isn't another safety announcement around what you should or should not allow your adult-children to do with their money. What we know is that there’s real value in what traders do (provides liquidity and price discovery etc). Some say trading can be a profitable exercise too (well at least at the start they say this). There's two things I can say about this for certain about people who trade (and I include myself here!): They’re either going to get an expensive education or, they could lose money and end up just as dumb. As much as I don’t want people to lose money, I think there’s still more to be gained by investor experimentation than there is by staying away from trading._______________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a...

In today’s show we’re coveringNudge economicsSave More Tomorrow Behavioural economics and its applications in personal financeThere's always been a significant disconnect between academia and real-life – if you disagree with this comment, you’re an academic, and that’s okay, some of my best friends are academics. It’s important though, that this tension exists between real-life and acedemia because without a higher degree of thought and analysis of data, additional insights can’t be gained - which ultimately handicaps those in the field. On the other hand, without a good understanding of the issues found in the field, researchers can often make insightful discoveries in potentially redundant areas.What I really like about behavioural economics, is that it provides potentially a better framework to understand how people make decisions and why – When it comes to making investment decisions from a wide range of choice, often everyday investors choose options that may not be the best – even the experienced investors out there – what’s interesting here though is that these investment decisions can be predictably irrational. This sounds bad but it’s not a put-down, it’s simply acknowledging reality. When it comes to making good financial decisions, just like with eating well and exercising, having choice and access to the right information is important, but I think there’s actually more value in understanding why people actually choose to do what they do.To learn more about the work that Ravi does, please visit the team here: https://www.bi.team/To watch Richard Thaler present to the Chicago School of Economics, then watch this. ______________________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. ________________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more...

Roger Kerr is an expert in the NZ dollar, & executive chairman of Barrington Treasury Services NZ Limited.In today’s episode, Roger joins me to cover off why and how companies use a fancy technique called ‘hedging’ to offset the risks that come about when dealing with foreign currencies, and explains why the Reserve Bank is dead set on driving the NZD down in relation to the USD.Hedging is a seriously important strategy when dealing with the flux of moving exchange rates, but it’s something too few investors bother to check out when investing in the likes of US-based ETF’s (Exchange Traded Funds).Take KiwiSaver for example, which often involves investing into overseas funds, how many members actually know what foreign exchange strategy is used by their fund managers? If we're taking a risk, no matter what it is, we should be adequately compensated for it - this includes foreign exchange risk.Now, if you as an investor are spreading the love between different sectors, industries and asset classes, we call this diversification — you hear plenty about this term when investing, but it applies on so many levels. To understand how this same philosophy applies when dealing with foreign markets, consider what happens if you want to invest in a business that’s in the US which relies on imports. If the value or the purchasing power of the U.S. dollar declines, it could cost the business more than it did before to buy goods, which can shrink their profits for you as a shareholder. A really well diversified portfolio may also include shares in companies based around the world – this is a way to offload or hedge foreign exchange risk.In today’s episode, currency expert Roger Kerr joins me to cover off why and how companies offload some of their foreign currency risk. Now if you don’t have a finance degree, don’t worry, we’re covering the basics here today, while still providing an on-ramp to higher understanding. Hopefully at the end of the show, you have at least one more question to consider before making your next investment move.___________________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. ________________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should...

In this unique episode, the tables have turned and the host is now the interviewee. Reece Reilly hosts a podcast and Youtube channel called KiwiTalkzIn my travels recently around the central North Island of NZ I popped in to see Reece and have a casual, un-scripted conversation around some topics that he and his listeners are interested in.Whether it’s health, having children, politics or money – it’s so hard to learn about anything new without being uncomfortable every now and then with opposing schools of thought. This is especially true if you already have what you believe is a solid understanding in any subject matter. I guess it’s human nature- When you think you’ve figured something out with your learning, it’s easy to be quite rigid about your belief’s and views. Unfortunately, when it comes to investing in particular, I think that many everyday Kiwi’s shy away from learning more because of two reasons: Firstly, they may hear a view that contradicts what they already believe as true, and secondly, sometimes people are put off by those who are are 'quite smart' in their field. Take property investing as an example, as this is something the discussion centered on today: I know some really successful property investors that buy property across the country as fast as they’re able to, then use the rental income from the tenants to pay down the debt over time – the idea is that you as an investor are leveraging off the ability of your tenants to reduce the debt for you – which, when you’re ready to retire, creates a portfolio of cashflow positive properties producing passive income. On the other hand, I know many investors that choose to buy a smaller amount of property in the major city centres only – the thinking here is that the capital gains that can be grown over time, can eventually be harvested by selling off some property later on at time of retirement. Arguably, the end position is similar, but the journey is different. Is one method better than the other? Well if you spoke to those in each of those two camps, they would absolutely suggest it is. In a sense, they’ve added to the complexity problem with how everyday people can build wealth by not allowing much room for opposing ideas .So In this show, we’re taking a pragmatic look at  some of big questions that we all potentially have at some stage in our investing lives: What’s good debt and what’s bad debt? Should we reduce our mortgage or should we instead invest more? What’s the best way to respond to market uncertainty? Should everyday people invest in Gold and Bitcoin?________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage an authorised financial adviser to provide guidance around your specific goals and...

I reached out recently to some business coaches during the lock-down, just to get a sense for how things are going in the business community.Small to medium sized enterprises employ so many Kiwi's, and therefore by default, many are dependent on them to succeed. What's been troubling business has also been troubling individuals also - whether it's our business or our careers, this period of time can test us all.What's our response to this? Shrink back / let things die, or tough it out, take ground, and innovate? It's actually not a simple answer!We're breaking this discussion broadly into three parts:Resilience: This means the capacity to recover quickly from difficulties; toughness. It can also characterize the ability of a substance or object to spring back into shape.Re-start: Perhaps it's time to let your career die/ or let your business die. This is super hard, but IF it's the right thing to do, allowing the death to occur fully, is necessary before anything completely new can occur.Reset: It's important during troubling times,to take stock, and re-align to what's truly important to you - this may not just be about finance.In this episode, we're not talking about 'investments', we're instead focusing the discussion on the investor. Our income, or our current base of wealth and how we invest it, has way more to do with what happens in the mind than it does in the wallet.A bit about my special guests:Frikkie and Pao Le RouxThis husband and wife team have over 40 years combined business and management experience working with executives and managers in business.Frikkie has received several international awards for recruitment and increasing sales results.Pao’s background in marketing, experience in training and coaching, and previous business ownership bring significant value to clients.Steve ClarkSteve has a heart for helping people and seeing them prosper.Steve draws on a career in risk management, training, controls assurance and pastoral support in NZ and overseas.As a Chartered Accountant Steve brings experience across various industry sectors and business processes – ‘from boiler room to board room. He operates with both a personal and structured approach to clients having been in past leadership, mentoring and pastoral roles.If you'd like to learn more about High Performance  Training and Coaching or to download their free e-book mentioned in this podcast, visit: https://highperformance.kiwi.nz/________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage an authorised financial adviser to provide guidance around your specific goals...

Today’s episode is brought to you by the word -Retirement – perhaps it’s a long way off for you – but it’s important that we discuss this every now and then – and so that’s what today’s episode is really all about.  Many people, either on purpose or by accident have a simple, default plan for retirement – Get debt-free on a home, then live off super and hopefully have this topped up some KiwiSaver funds. A study done in 2018 showed that actual spending of a typical retired couple, revealed a shortfall in weekly income by just over $200 per week to fund a very basic lifestyle. So where can the rest come from? It has to come from somewhere right – so where?It could come by working longer – that’s fine, if health permits, but working for life – really?It could come by selling the home – but what if you don’t want to move to a smaller home, further away from where potentially your family and friends still live?Apart from down-sizing the home, or working later on, the options are limited for retirees unless there’s sufficient other investments that they can draw down onAnother question is this – aren’t we allowed to have more? In retirement, don't you want to travel, spend time with family, help the kids with getting started with property. How can you make up the shortfall if everything is tied up in your home to simply live well – then beyond that, is there anything one could do to account for the unexpected costs you’ve experienced your entire life – these aren’t going away when you retire.But in essence, If you have a choice today (and I appreciate some don’t) and if you had the power to influence your future (which hey, you do by the way),  wouldn’t you prefer to choose an awesome lifestyle in retirement? I certainly would!Today I’m talking with Shaun Drylie, Group CEO at SBS bank – relying on property is tricky with retirement planning, because it’s illiquid – it cant be converted to cash quickly. It’s why with retirement planning, it may not be included in the tool box of things that can be consumed in your later years. So, for the everyday investor, those who do think property is the be all and end all when it comes to building wealth - could the equity in a debt-free home that we’re aiming for in retirement, be accessed to create an additional income source to supplement our lifestyle needs? The answer is yes, and it’s not as ugly as you may think.Standard, orthodox financial advice, disagrees with classifying your main home as an investment. In reality however, the bulk of people who own property do actually think of their home as an investment – Is it time for us in the investment community to account for this somewhat heretical viewpoint I wonder?A reverse mortgage has traditionally been frowned upon and I totally get why. In a sense, you’re turning your back on the habits that got you into the position you’re in – specifically, the position of having a debt-free home. Idealistically sure, it’s great to keep your family home separate and fund retirement by other means – but you can’t ignore the reality that for many, the only other option to supplement retirement needs is to sell up, and move into a property that you may not be ready for. Often orthodox advice here is at odds with practical advice – and what I mean by this is simple: If you can stay living in your home, yet access capital in that property to live off of, then why not? Interest rates have been trending down for decades and in true fashion of blaming Covid for everything, what we’re seeing now is an acceleration of this trend – lower interest rates for longer, and higher asset prices will be a high probability outcome. To be honest, I’ve frowned upon these reverse equity mortgages in the past – but I think some new thinking is...

To invest – or to grow wealth – or to build anything for that matter, you need to get the foundations down right – otherwise whatever you build may need to be torn down. One of the foundations we all need to sort out, and to check periodically, is our own personal financial management skills – this is where we need to delve into the topic of personal finance or money management.If you're self-employed, please check out the other episodes:Wealth -building when you're self-employedFinancial exclusion and the independent earnerMainstream thought around personal finance could somewhat be summed up as follows:- Save yourself wealthy- Aim for 'rich enough'- Don't pursue wealth as much as keeping to your budget.What I’ve observed in my life and especially in the lives of those I work with who’ve done well with money, is that if you want to move to a place above average, shrinking back is not the best strategy – taking ground is.  Often the strategy to  'take ground' can be messy, contrarian, and personal to you . This is something that's hard to cover in detail to any great extent, but it's important to try and not shrink back from the topic, so as to not offend those easily offended.In this episode, I aim to offend members of the cult of frugality, those who strive to repay their mortgage, everyone with a side hustle that involves making jam, and everyone not named Sue. We're covering principles like:Getting a real jobStarting at the endPaying yourself firstThe magical power of giving and receivingGood debt vs bad debtThe magical power of wordsGood buffers, bad buffers, and other peoples' buffersBeing accountableGetting into obscene levels of debt, as fast as you can.Most of what I say you can take seriously in this episode, but some of it is simply to annoy those who take themselves too seriously - hope you enjoy!PS: You may have also noticed, I didn't include 'budgeting' in this episode. Budgeting IS actually very important, but apparently not so important to include here - I promise to cover this somewhat 'sexy' topic in future episodes!____________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage an authorised financial adviser to provide guidance around your specific goals and objectives._____________________________________________________________________________Where to find Darcy Ungaro:Ungaro &Co (authorised) financial...

Central banks around the world are churning out new currency at phenomenal levels right now – we call this quantitative easing or QE. The idea is to fill up the giant pothole left in our economies after a rather unpleasant first half of 2020.As we've covered already on this show, there's a huge difference between value and price / between currency and money. With all this money printing going right now– does this really lead to an increase in value over time, or just price levels?Specifically, as investors, we’re justifiably concerned about this thing called inflation taking off as a result of quantitative easing. What if the currency that denominates our investments is watered down – has our net worth really increased?In this episode – we’re asking the question about inflation – is it a friend or foe?Chris Tennent Brown is the senior wealth economist at ASB bank, and he’s my special guest today. At the end of this episode, you’ll understand:What is inflation?How do central banks control it?Why 'money printing' may not actually generate the inflation that logically, you'd expect.Most importantly, we going to cover what we, as everyday investors should be doing, to hedge against inflation when trying to grow wealth. ____________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage an authorised financial adviser to provide guidance around your specific goals and objectives._____________________________________________________________________________Where to find Darcy Ungaro:Ungaro &Co (authorised) financial advisersWant to chat, then you can schedule in a free 15 min conversation just click on this linkFacebookInstagramLastly, you can also subscribe to our newsletter to ensure you are receiving  the latest updates.  

Investing in assets which grow in price over time, hopefully above the rate of inflation and after fees, is the antidote for evils of inflation. Investing involves risk though – risk that what you invest could go down in price and risk that you may not be able to get your money out in a hurry. If you’ve decided to invest to grow your base of wealth – here’s three things to keep in mind, or three golden rules: - INVEST REGULARLY. This is so important: timing the market where you buy low and sell high is great perhaps for some, but for most of us, we cant get the timing right. Dollar cost averaging is the best way to consistently scale in over time to get the exposure you want, without getting the timing piece perfect. - GET ASSET ALLOCATION RIGHT. A good portfolio will have the following ingredients, cash, fixed interest, property and shares. The mix or blend of these different asset classes is crucial to strike the right balance between liquidity (that’s the ability to convert your investment into cash quickly), risk (which is the possibility the price of your investment could drop) and returns (which is your compensation for risk and liquidity) - START WITH THE END IN MIND. Most investors, especially when starting out, view the whole investing thing as a game – a game they want to win, but there’s so much more to it. What is it that you’re trying to achieve? Have you factored in how much you need to live the life you’re aiming for in retirement? What about your kids, what about your family, what are you doing with your home in retirement plus how long do you think you’re going to live for– these are all things that can help set the appropriate amount you need to set aside from today, for tomorrow to be taken care of In today’s episode I’m talking with David Boyle from Mint Asset MnagementThe Hunt for Yield is our topic. In an environment where interest rates are super low, and there’s a significant disconnect between Main St and Wall St., how can investors still do well, without losing everything? Hope you enjoy today’s episode!As per episode, here are some links referenced in the showhttps://www.playitstrange.org.nz/https://www.planetaudio.org.nz/friends-to-the-enzThe Richest Man in Babylon____________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad...