NZ Everyday Investor: Recent Episodes
Podcasts NZ / WorldPodcasts.com / Darcy Ungaro
The NZ Everyday Investor! A podcast designed for the the everyday person, who's keen to build new wealth in the new world using existing, and new tools to get the job done. We select guests for our show who have a genuine story to tell - not just industry experts but people who have made great financial moves, some on purpose and some totally by accident! We hope you enjoy the show.
An economist [I used to respect] was recently asked, why is debt getting more expensive?
His response?
"this is what happens when your economy is starting to show some growth and the risk for inflationary pressures shift upward."
It’s almost like our economists care too much about getting a job at the RBNZ than they do speaking the truth. Read more.
Meanwhile, just over half of all Kiwis, feel unprepared for retirement (and that includes debt-free homeowners who thought they’d done everything right.) Something has to be done to fix this, but is asking the government to make more rules around KiwiSaver really the right answer? Ben Davin and Mark White-Robinson join me to discuss. If you'd like to sign up to Feijoa, enter in the NZINVESTOR code at checkout for a discount.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
If New Zealand approved a 'de minimus' tax exception for small Bitcoin transactions, we might become a magnet for the type of people who could make this country great again.
This conversation was recorded before the Coldcard exploit, which cost hundreds of holders their coins, was known. I'm joined by Mikey Smith, founder and CEO of Guardian Smith and Treasurer of Bitcoin Policy New Zealand, and Kevin Whitmore, Chair of Bitcoin Policy New Zealand: two people who live and breathe this stuff, and who bring both the policy chops and the on-the-ground perspective to make sense of it.
Is it a good idea for you to own Bitcoin in your KiwiSaver? Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
The most common manifestation of active investing is timing the market. Get out at the top, sit in cash, wait for the crash, then jump back in.
I see a lot of investors thinking and doing this right now, and while it's understandable, what happens if everyone's looking at the same information? Read full article (not AI).
Special thanks to Joel Robinson from Radical Investment.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
On the 23rd of June 2026, something happened to the South Korean index that hasn't happened since 1980. Francis Hunt (aka 'The Market Sniper') thinks this may be the canary in the coal mine which could trigger, not just an AI 'correction', but a global credit event.
Is he a doomer, or someone with a different set of incentives?As usual, this isn't financial advice, but I do hope it gets you thinking.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Could you get in trouble with the FMA? From podcast hosts to social media commenters, it's easy to cross the line and end up providing regulated advice - you might think it's just an opinion, but it might cost you $200k to share it. Elizabeth Asmerom Asfaha, Regulatory Services Advisor at the FMA joins me on this one, where I consider 'am I in trouble too?'. Read some guides here for investors/consumers, or here for finfluencers/advisers.
The information provided is for general information only. The Financial Markets Authority does not assume any responsibility for giving legal or other professional advice and disclaims any liability arising from the use of the information. If you require legal or other expert advice you should seek assistance from a professional.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
The way I see it, the biggest financial mistake most people make isn't getting in wrong - it's getting out wrong.
As an example, gold is down 25% from its all-time high. If you hold any investment that drops this much within 6 months you're prone to wondering if you called it wrong.
Today I want to be honest about that. Not to reassure you, and not to panic you, but to use this as an example in how to ask the question of yourself - when's the best time for you to exit your favourite investment?
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Kyle Hasson, fellow financial adviser,sits down with me, Darcy Ungaro for a raw conversation about how the rules of money canbenefit the investor, even when the industry doesn't.
I break down why property, once the default strategy is hitting a fork in the road, and how the real game since 1971 has been the debasement trade: trading abundant fiat money for scarce assets like Bitcoin and gold. We explain how central bank policy since 2020 supercharged asset prices, why Bitcoin is the cleanest expression of that trade.
We also tackle the 80/20 approach to investing in the new world, the danger of copycat “Pepsi” thinking, my personal regrets about playing it too safe early on, and why going harder sooner (while you have time to recover) still matters more than most people admit. Read more
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Joel Robinson is the founder of Radical Investment. We're talking about how the investment industry treats volatility as 'risk', when in reality, it might be what you're missing.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Check out latest Substack
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Special thanks to Paul Quickenden, area manager with Swyftx.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Hank Harris is a Limited Partner in Ego Death Capital, and co-owner of TheBitcoinShop.nz.
Check out https://sovereigntysummit.nz/
If you want to take greater control of what your KiwiSaver invests in, and if forms of 'sound money' are important to you also, then reach out. Book my free 15-minute discovery call
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Almost 40% of the S&P 500 index fund sits in just 10 stocks. Yet, low cost, passive index funds are often marketed as a way to invest in many things at once.
9 of the 10 companies are directly exposed to the AI-thematic - something that may, or may not be a bubble, depending on who you listen to.
They say the performance of actively managed funds, after fee, rarely outperform passive funds. So, does that mean we should park our intellect at the door?
Chris Hestelow, Investment Specialist at Allan Gray*, talks to me about the 'Passive vs Active' debate, AI concentration risks in index funds, and reflexivity/dynamic feedback loops that distort true price discovery in markets.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
I may recommend Allan Gray* funds in the course of providing KiwiSaver or investment advice.
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Mark McCrindle is an Australian social researcher, demographer, and futurist best known for his work on generational trends and for popularising the term Gen Alpha. https://mccrindle.com.au/
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Sensitive topic warning: Watch Rumble version here
This episode is a little different, and I make no apologies for that. Today we're sitting down with Zach and Tony from Child Rescue New Zealand, a charitable organisation rescuing children from trafficking across Asia. I genuinely believe that how you use your wealth matters just as much as how you build it, and these guys are a powerful reminder of why.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Today I’m sharing a conversation about a property investment strategy that most of us simply won’t be able to access. My goal isn’t to tease you. It’s to highlight something important: if you live in New Zealand, you may be significantly underestimating how the real estate market could rebound - from the top down. Controversial take, I know - but I do hope it gets you thinking!
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Special thanks to Clive Thompson for speaking with me - check out his children's book on www.clivethompson.com
In this conversation, Clive Thompson explains how central banks are increasingly stuck, facing rising inflation from oil and commodity shocks while wanting to cut interest rates - leaving them with limited options in the current macro environment. He argues that central banks worldwide are aggressively buying gold as a hedge against currency risks and de-dollarization, advising gold holders to stay positioned as the monetary system continues to change.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Will central banks "look through" stagflation in 2026? In this quick update, we break down what stagflation really means right now and whether major central banks are likely to ignore it, or will our retail banks be right and they'll forced to hike? This is a conversation between Darcy Ungaro, investment adviser with Radical Investment and Hamish Patel from Mortgages Online.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
What’s your plan when AI comes for your job? As a financial adviser, I’m asking the same question. Social media is turning into your broker, tokenized assets are exploding, and Agentic Finance is about to change everything. In this video, I explore how AI agents could soon manage investments 24/7, why traditional “set and forget” strategies might become outdated, and what this means for everyday Kiwi investors and financial advisers. Is this the end of human advice, or the beginning of something better? Read More
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Trevor Topfer, from Blockchain New Zealand and Avatars Global, explores whether New Zealand risks missing the next boom in digital assets like tokenized real-world property, shares, and businesses. We're also covering opportunities for fractional ownership, liquidity, and accessibility for everyday investors, while touching on regulation, CBDCs, NFTs, AI's impact, and the upcoming Crypto Winter 2026 event in Queenstown.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Financial institutions like banks, nation states complete with their 'soft power' dynamics, and regulators, trying desperately to keep up. In the Wild West of digital assets, while some of us are trying to figure out if the Sheriff can catch up, this asset class is maturing. Paul Quickenden from Swyftx joins me to chat through how latest global events are shaping the future of crypto.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
In this one I pose the question - is it a given that NZ will head into stagflation, or could there be light at this end of this oil-shock tunnel?
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Keen for a qualified opinion from an economist who isn't an employee of one of the main NZ banks. I am! I think it's critical to understand the REAL impact of the oil shock coming our way to NZ, and how the RBNZ may be forced to respond. Inflation, recession, perhaps a bit of both, or something completely different? Enjoy.
Special thanks to Andrew Hunt from Hunt Economics.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
In this episode, host Alan Clarke: Portfolio Manager for Diversified Funds and External Managers at Amova Asset Management, explains the Manager of Managers approach: tapping the world's top specialist fund managers to build smarter, globally diversified portfolios. With over 20 years in investment management, Alan breaks down how this strategy may work well considering interest rates, explosive AI growth and the ever present risk of a share market correction.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
You down with USD? Yeah you know me. Well, clearly not. My long term thesis is that this dies a death. Until this occurs however, USD denominated stablecoins will create demand for US Treasuries. This will cause interest rates to drop for any USD debt-based system. For everyday investor, this means property values go up. For a time, USD-denominated stablecoins will lower the cost of money for any nation who adopts it. The US could rule the world. Unless...of course...2026 sees the rise of the non-USD stablecoin.
Special thanks to Ryan Johnson-Hunt from New Money.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
This April, the government's increasing the minimum contributions by 0.5% for employees and 0.5% for employer contributions. Too little, too late? Step in the right direction?
Personally I think when the government intervenes, it may already be too late. We need to think of KiwiSaver as a core pillar of retirement provisioning, instead of a 'bit on the side'.
We're driving around in de-tuned cars, because we've been trained to avoid volatility.
In this one, I share the 3 simple turbochargers that you can slap on your cheap runabout, and turn into something you're excited about.
Want to learn about how I can help with your KiwiSaver re-build? Let's have a free 15-min discovery call.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Chris Wilson, co-CEO of Harbor Asset Management, joins me as the spotlight goes on the narrative that bonds are dead going forward. Are institutional investors whistling past the graveyard by over-allocating to fixed income amid persistent geo-political tension, rising debt concerns, and uncertain market correlations in 2026? Or are many everyday, self-directed investors skipping bonds to chase stock upside, missing out on vital 'cushioning' for the volatility that may be here to stay. We may be wrong about bonds either way.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Will a higher OCR crash New Zealand property, or is that just what we need? In this episode we’ll unpack why bank economists are suddenly keen on future hikes, how that lines up with record profits and rising net interest margins, and what it all means for house prices, mortgage refixes, and already‑stretched Kiwi households. I’ll finish with how I’m setting my own mortgage terms right now – including a big 5‑year fix rolling off – so you’ve got a real‑world example to compare your own strategy against.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
The RBNZ’s OCR decision lands Wednesday, 18 February, and it's expected to hold at 2.25%. The deeper truth? Australian banks (ANZ, ASB, BNZ, Westpac) dominate New Zealand’s mortgage market, influence media and politics, and shape house prices and the economy at large. With fragile recovery signs amid persistent inflation, will their pursuit of wider margins on “safe” lending tip us toward Japanese-style housing stagnation? Rupert Carlyon of kōura Wealth joins to discuss.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Will gold, or bitcoin, come out on top in a monetary reset?
Given the volatility in precious metals, bitcoin, and AI stocks last week, it's a timely reminder...All investments come with the chance of the price going down instead of up, and if you feel fear when markets wobble, just remember the possibility it might not be what your investing in that’s the problem. The best time to change your portfolio is not when you’re spiraling and wondering if you were wrong, but when it’s clear you were right.
The best investments always wobble, the best investors, shouldn’t. Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Crypto isn’t always the risk – we are. In this episode, I talk with Paul Holland about why everyday investors are losing billions to scams, how AI is super‑charging the problem, and what you can actually do about it.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank you to our show partners
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Passive retirement income sounds like the holy grail, right? Imagine the money quietly rolling in while your capital sits there untouched – perfect!
Yet when you dig into how this is usually sold to retirees and pre‑retirees, it often turns into something very different: concentrated bets, misunderstood risk, and portfolio structures that look “safe” on the surface but are fragile underneath. Read more.
Watch the YouTube Version here.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
In this one I'm a sharing recent episode from the Token Affairs podcast, the official BlockchainNZ podcast, hosted by Trevor and Bryan – two guys right at the intersection of industry, regulation, and innovation in the digital‑asset world. We're asking the question, do digital assets (bitcoin specifically) belong in a 'normal' investment portfolio?
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Lucia Xiao is a self-made investor and property coach. After moving here from China she started off in a state home but went on to build a $17m portfolio over 5 years, all while quitting her day job and building a business. This is her story of hard work and how she used a strategy to build wealth with property that not many experts promote.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
With property, you either take the bull by the horns, or you get out of the ring before you’re carried out. In today’s episode, I’m joined by Nick Gentle from iFind Property to talk about why, heading into 2026, that balance between courage and self‑preservation matters more than ever for everyday investors.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
THANK YOU FOR YOUR ATTENTION IN 2025!
In 2026, three geopolitical hotspots matter most for Kiwis watching the world: Venezuela and US renewed /Monroe Doctrine in the Americas, Russia’s grinding war in Ukraine, and China’s expanding reach across the Pacific. Reuben Steff, geopolitical analyst and regular guest on the show, joins me to unpack what these flashpoints really mean. As great‑power rivalry hardens, New Zealand’s long‑running strategy of sitting in the middle may be running out of road. Is this the decade where we finally have to choose a side between US and China, or is there still room to quietly hedge?
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Today's a unique episode and for those who love a good story, this one's for you.
The failure of First National Bank of Lindsay as more than a small, local bank collapse and instead as a window into a broader pattern of organised crime, regulatory failure, and moral decay centred on the I‑35 drug and human‑trafficking corridor and illegal Chinese‑linked marijuana operations in Oklahoma.
Special thanks to Jack Gamble.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Woo-hoo! Just realised it's episode 500!
Pretty sure it's tradition to celebrate with silver, so in this one, I take a closer look at this precious metal and ask the question, is it for saving, speculation, or watching from the sidelines?
Hatch: For US markets.
Sharesies: For local, and international markets.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Revolut: For a new type of banking.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Everyday, banks and governments justify new rules, checks, and blocks in the name of preventing fraud, money‑laundering, terrorism, and scams. It's a reasonable objective: stop bad actors and protect vulnerable people. It's just that, at some point, the line between protecting customers and controlling customers, can quietly disappear.
Special thank you to John Alcock.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Not a week goes buy where I don’t hear of the difficulties associated with buying digital assets like Bitcoin, from regulated institutions – all in the name of safety, they gate keep, ticket clip, dilute, surveil, ration, throttle, censor, inflate, tax, sequester, audit, and potentially even confiscate wealth that belongs to the people. Read more.
Special thank you to Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx and claim $20 worth of Bitcoin if you sign up (subject to t's and c's).
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Steve Orenstein is the founder of LOCATE Technologies, a publicly listed company that's relocating to NZ.
This episode is a fascinating case study around how NZ can be good at some things, and occasionally wins, despite the odds!
Please remember that all types of investing carry some degree of uncertainty. Always do your own due diligence before taking action on anything discussed in this episodes.
For more information, check out https://www.locateshareoffer.co.nz/
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Are we paying too much tax? "Yes", said all the people paying the vast majority of taxes in NZ. "No", said everyone else.
Whether we think it's fair, or it's theft, Kiwi's ought to prepare now for a future where higher rates of taxation are inevitable.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Rick Rule, the most hated contrarian precious metals and resources expert talks to me on this one about 3 very odd ingredients in my own portfolio. We talk about gold, and how it'll play a role in everyday money, the silver price paradox, and first-time topic, uranium!
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Vanessa Williams from realestate.co.nz shares a little about her own property journey, then comments on the shift currently happening in the property market.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Are you tax-compliant with your crypto-holdings? Over 70% of Kiwi's aren't. I'm talking with Tim Doyle, of Doyle Accountants.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
The Official Cash Rate (OCR), which influences the floating mortgage rate, and short term fixed-rates, dropped last week. Everyone has a view around what SHOULD happen, but no one's talking about what WILL happen. Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Watch YouTube version here.
Diversification, or placing your money in more than one type of investment, needs to be applied more broadly. Spreading your bets across the US, rest of world, emerging markets, and Australasia is fine start, but the jobs not done here. If all these investments are denominated in dollars, then you still have a huge concentration problem. Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Ex-Financial Adviser Tony Walker joins me on this one.
Here's 4 things you’ll need to keep front of mind if you’re planning to, or you already are, handling your retirement. 1 – Learn how to identify the best, short term investment strategy 2 – Keep it simple 3 – Use your mortgage for the win, and lastly 4 – Stay laser-eyed on real returns. Read more.
Subscribe to UGRO For Your Wealth on YouTube, for property and personal finance from a New Zealand perspective.
Subscribe to The Everyday Investor - With Darcy Ungaro on YouTube, for macro topics, and the angles often missing.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Special thanks to Zac Townsend from Meanwhile, for joining me to unpack how life insurance works, when the money changes.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
In 2021, the combination of spiking interest rates, differential tax treatment, new RBNZ regulations, and the CCCFA, put and end to the residential property party. Although some of the sting's been taken out, many property investors are formulating a plan to exit, once any sign of life returns to the market. Where will they go?
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Big thanks to property expert John Kenel.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
My guest on this one is Michael Every, Global Macro Strategist with Rabobank.
We're no better conditioned than dogs waiting for a bell to ring. Bad stuff happens, rates go down, house prices go up. Easy.
But now, after almost 4 years of watching house prices stagnate, if you're anything like me, you're wondering if the rules have changed.
It's scary to suggest this, but I think they have. Read more
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Learn more about Loan My Coins. For multi-signature wallets, check out The Bitcoin Adviser.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links! *Links may result in financial benefit.
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Markets create reality through our collective expectations and actions. It's a self-fulfilling prophecy fed by mass-psychosis. Read more.
Special thanks to Charlie Meadon, CEO of Eccuity.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
G. Edward Griffin is the author of The Creature From Jekyll Island. If you ever wanted a deeper understanding on the origin and aims of the US Federal Reserve, this is it. Learn more about Red Pill University.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Recording date: 18th of July 2025
The question of whether Bitcoin is fueling a political revolution is something I’ve been chewing on for a while. I think it is, but I reached out to John Alcock to see what he thinks (and I got more than I bargained for!). Read more about it here.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Can genuine, transformational wealth still come from work hard and focus? With record amounts of cash sitting idle in bank accounts and property markets showing signs of strain, many aspiring investors and business owners face an uncomfortable truth. Is now the time to quit, or double down? Read more.
Many thanks to Luke Kemeys, from Next Advisory and Keep The Change!
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Sometimes the future doesn’t tap politely. It knocks, and while the instinct is to keep the door bolted, at some stage we need to do better. That’s what’s happening right now in New Zealand, as John Alcock aims to facilitate the country's first property sale powered entirely by a blockchain. Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
It’s a dwelling, but it’s an asset class too - People buy property to live in it, and to grow their wealth in it. Since the early 1970’s, property values have doubled roughly every 7-10 years in many Western countries, including here in NZ. But sitting here in 2025, after watching at least 3 years of falling prices, it’s natural to wonder if the party’s over. Maybe whatever caused prices to rise for over 50 years really is starting to reverse. Before you do something foolish like sell it all and plough it all into something silly like Bitcoin, consider your own situation, and a range of perspectives first.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
New Zealand was one of the first economies where the central bank hiked interest rates.
Being first, I wonder if that means other countries watch us to see how sensitive economies are to monetary policy? Read more
Special thank you to Mary Jo Vergara - senior economist at Kiwibank.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
the art of investing is balancing growth and protection, for both you and your kids. Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
I believe the core ingredient in any wealth building strategy is the acquisition of just a few assets. As we acquire assets, we need to start thinking more, not less, about all the things that rob us, and no, not just fees. Read more.
Catch the full Michael Saylor talk here
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Recently, I attended a conference which centered on what I suspect will be the future of money in a more digital world. One of the best presentations I sat through was from author (of a book called 'Broken Money') and macro-analyst Lyn Alden - 'Nothing stops this train'. The current form of money we use (fiat currency) is tethered to a leveraged system with no easy way to deleverage. Ironically, the strategy we can use as households to build wealth (leverage to buy scarcity) is what may help our governments survive the train wreck coming. Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Has New Zealand lost its way? If so, the only path forward is to honestly acknowledge what we once were, understand how and why we’ve changed, and then chart a course for the future we want. It’s a tough question, no doubt, but like any hard problem, there’s a reward waiting on the other side. I’m joined today by Mike Grimshaw, a self-confessed ‘intellectual mongrel’ and Associate Professor of Sociology at the University of Canterbury, whose eclectic work spans radical theology, cultural theory, and New Zealand’s identity.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
In a perfect world, housing would be for lifestyle, and investments for long term planning - regardless, we live in an imperfect world. The real question becomes - what's your response to it? Jump in for number go up? If so, now's looking really, really good. *Just keep a lazy eye some of the bigger changes a foot. Read more here.
Check out the work of Ashley Church here.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Special Thank You to show partner, Provincia: Whether you're looking to invest or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
From neoliberal globalization to neo-mercantilism – This is happening, and it might not be a simple transition. Why? Because the digital transformation of money is occurring at the exact same time.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Sign up to Easy Crypto: To buy and sell digital assets. Take the free, 5-part online course Crypto 101: Crypto with Confidence
Special Thank You to show partner, Provincia: Whether you're looking to invest or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nzfor more.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
For everyday people struggling to get ahead in a system that feels rigged, the path to financial security does not in fact, come from getting the degree, working hard, and trying to be liked. That’s the old world. In the new world, to build new wealth, we have to quest for objective truth. Really? Sounds a bit full on.
Check out Cody Ellingham on the Transformation of Value Podcast.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with Icehouse Ventures, Provincia, UGRO Wealth, and Gorilla Technology.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Decades of punchdrunk capital gains now yield to occasional night terrors of leaky taps and flooded basements. Sure, it’s most likely the cyclical blues preceding a full scale recovery in the residential space, but part of this is vibe shift. So if commercial property 'just makes more sense', what's the playbook?
Joining me to discuss is Jack Revill and Carl Burling from Provincia, an unlisted property fund for wholesale investors.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with Icehouse Ventures, Provincia, UGRO Wealth, and Gorilla Technology.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
The price per ounce of gold hit $3,500 recently – up over 30% now this year alone. Why is gold pumping so hard? Read more. Andy Schectman is the CEO and co-founder of Miles Franklin (Gold dealers).
Mortgage Master Strategy 2025: Fix, Float, or Flex?
Bring your questions and get the straight facts on how long to fix your mortgage in a year shaped by Trump’s tariffs and global uncertainty. Now’s the time to get clarity on the smartest moves for your home loan-before the market makes the decision for you - keen to attend? Sign up to the fortnightly newsletter!
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Show me where in the wallet the salesman touched you.
These three groups have the ability to influence your wealth significantly, but they all hold secrets: Financial advisers, product manufacturers, and regulators.
At an organisational, and individual level, incentives abound in each of these three groups. Incentives which may or may not be aligned with yours.
Read more
Special thanks to Jeff Royle and David Hart for having this conversation with me.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Trump tariffs are not the only thing going on in the world right now, and the fact that it’s occupying the imagination of a lot of people globally right now, is a reason pay attention. I think we have to make all decision carefully right now – around changing, or staying the course, especially. Read more
Rupert Carlyon is the MD of koura KiwiSaver.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Sounds a bit woo-woo saying it, but this is my strategy. It’s why I doubled down on leveraged residential property in 2015, Bitcoin in 2017, and gold in 2019. I’ve mostly always ignored the price during these times and exclusively focused on the macro-narratives. Read more.
YouTube version for charts.
Gary Savage is an expert gold analyst and author of the Smart Money Tracker newsletter: https://www.smartmoneytrackerpremium.com
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Fees, taxes, and inflation—nothing robs your investment account more than this evil threesome. With fees, if you’re not getting value, you can move your money wherever you like, but there’s diminishing returns the further you go. With taxes, there are ways to legally reduce this obligation...Read more.
Thank you very much to Lawrence Lepard - check out his book 'The Big Print.'
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Early-stage investing is putting money into new companies with big ideas but not a lot of history. If they make it, even a small investment can yield significant returns. The best part of these returns, however, is that it has nothing to do with global trends but the company’s ability to solve a problem and generate revenue. Read more
Robbie Paul is the CEO of Icehouse Ventures.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Tom Deacon is a senior investment analyst at Mint Asset Management, who focuses on stock research for New Zealand and Australian-listed companies in the healthcare and technology sectors. Read more
YouTube Version
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Check out YouTube version here, or read an article about this chat here.
Michael Reddell is a former senior official at the Reserve Bank of New Zealand (RBNZ). He was Head of Financial Markets from 2000 to 2003 – he was an economic adviser to the central banks of Papua New Guinea and Zambia and served on the Board of the International Monetary Fund – although being semi-retired he writes regularly on central bank issues and New Zealand's economic performance.
Check out the blog of Michael Reddell here.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Recent research shows the average New Zealander spends about $3k per month in retirement, on top of government superannuation.
The question we should consider here, is, where is it going to come from?
From a house sale? From investment returns? Inheritance?
What about, from your investment strategy.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
No one wants to be blamed if you lose money. The backside-covering of risk ‘disclosures’ shifts the focus to side effects rather than the cure, ironically nudging some investors to treat investing like a game of chance instead of a disciplined, long-term pursuit. Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Rowan Simpson has been, and continues to be instrumental in the success of several high-growth technology businesses in NZ, including Trade Me, Xero, and Vend.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Special thanks to Dr. Simon Collins, Brandon Bucher, and Rob Clarkson. They are all co-founders of Web3NZ's 2024 Startup of the Year Lightning Pay NZ. They're working to disrupt, or even destroy, traditional payments, and I'm curious as to how that's going to work. Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
In WW2 we discovered if you control the world, you get to control the money. In 1971 we learnt that that as long as the majority had a fear of violence, that was a good enough anchor for money, and gold wasn’t required. In 2008 we discovered the kind of bubbles fiat thinking like that could create – but we kept going. In 2020, a critical majority spotted the pattern – the cheaper the money gets, the more our investments rise. More people than ever are started to notice how What happens in the world, happens with our money. Read more
I haven’t heard many people tie a bow in a range of topics from the history of money to central banking to geo-politics like today’s guest, Alasdair Macleod.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
According to some research known as the Williams Group Study, 3,250 families were observed over 25 years: 70% of family wealth was lost by the second generation and 90% by the third generation. Read more
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
___
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Maintaining a healthy relationship with money requires ongoing self-reflection and 'adjustment'. Put another way, wealth isn't found in the accumulation of money, it's found in our growing influence. Money puts action into our intentions.
Read more
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
When you're trading your time for money, concentrating your investments can make sense. But come retirement, diversification helps manage the risk of losing what you've already built.
Concentration can lead to big wins or big losses - but sometimes, it's more luck than skill at play. Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Special thank you to Rajat Soni - if you like his style, be sure to check out @rajatsonifinance on YouTube.
Having an allocation to Bitcoin, or at least gold is really important. This isn’t about picking the next big thing, it’s about accumulating wealth outside of a system which is programmatically in decline.
So, this all brings me to today’s guest. Rajat Soni. Rajat is a CFA Charterholder who posts regularly about Bitcoin on X – so much so in fact, he recently got in trouble with the CFA institute. This is when he hit my radar, and when I decided to get him on the podcast.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
I prefer Colonel Mustard, in the Conservatory, with the Candlestick. over the most obvious shadowy superpowers of centralised authority most likely to blame, but….
Evidence is now abundantly clear that Bitcoin is more helpful for the environment than harmful, it’s not in fact used by criminals [more than ‘regular money’], and is in fact valuable (does $100k prove this yet?). Still, persistent narratives continue to paint it as detrimental. Read more
Easy Crypto: To buy and sell digital assets.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Today's guest is Mike Taylor, CIO and founder of PIE Funds.
No one can guarantee an investment return because no one controls the market. You can show up prepared though, and with a strategy you stick to, you just might get lucky. Part of preparation involves knowing which market to fish in, and in what season. Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
In the sacrosanct communion of frugality and dollar cost averaging, low-cost index funds are transubstantiated into the omnipotent force of compounding returns. For the rest, there's Bitcoin... Read more
Thank you to special guest Peter Dunworth, found of The Bitcoin Adviser.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.
Affiliate Links*!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
*Some links create a financial benefit.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Thou Shalt Not Sweat the Technique, Nor Disregard Nuance
The property market is a bit of a complex beast, but interest rates are [arguably] the primary driver. Prices will always follow interest rates. So, figure out what moves interest rates, and you can predict prices.
Read more.
Mike Jones is the Chief Economist at BNZ Bank
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, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
______________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.co.nz
________________________
It’s not easy to understand all the views, but macro economics, geopolitical issues, cyclical and secular trends are the items we can’t control, but can find positions in.
One of the big concerns I would have right now around interest rates, is short termism, or myopia...[read more]
My special guest is Salt Funds Chief Economist, Bevan Graham.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
______________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Sarn Elliot, crypto consultant, is my special guest today and we're talking about how to 'be your own bank'.
If you’re not yet into Bitcoin and you’re aware the price is now at all time highs, don’t panic – you’re still very early. Education is so important around the basics of setting up your wallet, watching out for scams, and making sure you have some sort of game plan.
Better yet, take the free, 5-part online course Crypto 101: Crypto with Confidence, then sign up here to Easy Crypto, and download the Exodus Wallet to get started.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Sharesight: For tracking and reporting on your portfolio
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Today it’s about buying your first home, and your next home– my guest today followed, or is following, a really simple strategy: When it's down, it’s time to step it up.
Read more
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
______________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
If you've reached the midpoint of your investment journey , or thereabouts, you know – it’s about risk management more than just number go up. Read more.
A special thank you to my guest, Professor Anananish Chadhuri – Lecturer in experimental and behavioural economics at the University of Auckland.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
______________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Exodus: Get rewards on your first $2,500 of swaps
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
When you come from nothing, the only sure-fire way to catch up to where you need to be, is to work harder than everyone else, and use leverage. If you can use other people’s money, with permission of course, and you make some correct assumptions about the future, you might be able build more, with less. Whatever the outcome, it’s more with leverage. Read more.
Watch YouTube Version.
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The Bitcoin Adviser: Talk to me about using Bitcoin as an intergenerational wealth transfer vehicle.
Hatch: For US markets.
Sharesies: For local, and international markets.
Easy Crypto: To buy and sell digital assets.
Sharesight: For tracking and reporting on your portfolio
Revolut: For a new type of banking.
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!
New Wealth Foundations: Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Today, I’m grateful to be speaking with Ian Woolford, the head of money and cash at the Reserve Bank of NZ.
Central Bank Digital Currency, branded as 'digital cash' by the RBNZ, has the potential to give the banking scene the boot up the backside we desperately need. One step further, trillions of dollars of assets migrating into the digital ecosystem (which is what CBDC's help facilitate) will usher in the most significant changes to wealth we've EVER seen.
Concerns exist, absolutely, especially over the long term.
A responsible and trustworthy RBNZ is the at the base-layer of our financial system. CBDC's have the potential to dramatically increase the power they hold. Our trust in them must therefore increase over time.
Read more
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations:Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
We’re so optimised for facts, that we’ve forgotten about meaning. The inability to hold a contrarian view may blindness, or extremist views like believing in a flat earth, or that you can trust the government!
Anyway, will central bank digital currencies destroy your retirement plan? The answers not 'no'...
Read more.
Check out research paper here.
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations:Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Today, I’m talking with fellow financial adviser and CEO of Guardian Smith Mortgages, and co-host of the Keep The Change podcast - Mikey Smith. We’re talking about money, how property wealth is actually created, and how central banks of the world are on a mission further digitise the money we use. Read more
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations:Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Those with too much, or too little testosterone may wish to quibble about the exact lengths of a property cycle, but the relevant thing is that the property cycle is slower than other asset classes. This affords the everyday investor an opportunity to jump on board at more optimal times than others. Should you factor this into your decisions when buying or selling property?
Read more.
Today I’m talking with Kieran Trass who is the author, and perfecter, of what could arguably be called the property owners bible.
His book, 'Grow Richer with the Property Cycle,' concentrates his expertise into a guide that every first home buyer, investor, or upgrader should reference regularly.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations:Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Property development can take many forms, such as subdivisions, renovations, and speculative building. While I have much to learn in this space, I invite you to join me on this journey and starting by checking out this conversation John Kenel. Read more.
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations:Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
A cynical take on the financial services industry is understandable. There's nothing like an obvious financial benefit in the form of a commission or fee based on volume to put into question their motivation. Read more
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations:Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Paradoxically, the pursuit of pleasure or chasing comfort can itself can provide a type of meaning, though deep down, we know we're not meant for perpetual ease. Investing, even when not strictly necessary, can be about creating a meaningful struggle, and finding purpose by placing your resource at risk. On the other hand, too much action without a chance of ever ‘arriving’ is equally dangerous.
Read more.
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations:Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
Today I’m speaking with the one and only Ralph Stewart. Ralph is the Founder and Managing Director of Lifetime Retirement Income, a business with over $1b in funds under management. He’s a former CEO of AXA Insurance and the Accident Compensation Corporation (ACC). Ralph’s a smart cookie, and he’s on a mission trying to free the equity-rich cash poor prisoners out there.
Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations:Personal finance from a wealth-builder's perspective.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
Get Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
I know that I can’t predict the future, but I can see something coming to how our money works. A lot of people can. The signs are getting pretty obvious - there are significant changes afoot which may affect how, and if, you can access the future wealth you're building up today
This idea may be confronting, but at some stage, a financial authority may want more of a say in how you spend your money. If that idea bothers you, then I’d invite you to pay attention to today’s episode. Read more
Check out @cjkonstantinos on X and on YouTube for more.
Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)
______________________
Online courses:
The Home Buyers Blueprint: Get a better home; Get a better mortgage.
The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!
New Wealth Foundations: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 Social
Sign up to the newsletter!
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz
________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!
The recent drop in the official cash rate (OCR) by 0.25% has sparked a flurry of speculation about the future of the property market. Those hanging on for dear life are desperate for good news and recency bias is at work here - many believe lower interest rates signal a return to the boom times. However high on hopium property hodlers are, reality is a bit more nuanced. Read more
Check out the Nolan Matthias YouTube channel
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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.
Take the free, 5-part online course Crypto 101: Crypto with Confidence.
Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
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CMC Markets
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
It’s not about the tools; it’s about the person using them. You’re the tool. What’s the point of obsessing over the best investments if you can’t handle it when things go wrong? Read more.
Reach out to Hayden Brown.
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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 Social
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www.nzeverydayinvestor.com
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Darcy Ungaro
Twitter: @UngaroDarcy
www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
CMC Markets
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
As usual, there are only two types of people in the world.
1 – Those who blindly trust governments and most centralised systems: They find it easy to overlook the flaws in currency manipulated by interest rates and new supply injections from a centralised authorities, like government and central banks.
2 – The ‘weirdos’ who ‘think differently’: They understand the importance of money created by the people, for the people. Read more.
SIGN UP TO THE BRAND NEW, FREE ONLINE COURSE / Crypto 101: Crypto With Confidence
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
CMC Markets
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
I've observed many different drivers for wealth: some are running from poverty, others are driven by greed, seeking comfort, or fulfilling a purpose. "Some dance to remember, some dance to forget."
The reasons we think the way we do, and the lives we end up living, can be a bit of a mystery. But the reality that our headspace affects our world isn't anything new.
Read more.
Check out Hayden Brown here.
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 Social
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www.nzeverydayinvestor.com
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Darcy Ungaro
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www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
CMC Markets
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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
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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.
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www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
CMC Markets
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 more
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______________________
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 Social
YouTube
TikTok: @theeverydayinvestor
www.nzeverydayinvestor.com
YouTube
Darcy Ungaro
Twitter: @UngaroDarcy
www.ungaro.co.nz
________________________
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I may receive a financial benefit if you click on these links.
Hatch
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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.
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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
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YouTube version: https://youtu.be/Od8a-7dgat4
Do 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 Crypto
Bitcoin, often seen as digital gold, is primarily meant for 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.
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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.
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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
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Sign up to the KiwiSaver Millionaire Roadmap:From 6 figures to 7; Get a Rockstar Retirement!
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Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 More
Book 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.
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
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CMC Markets
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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________________________
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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 here
Watch YouTube version here
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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.
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________________________
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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? Can the government or a dodgy KiwiSaver provider steel your money? Read more
David Callanan is my guest today and he’s the General Manager of Corporate Trustee Services at Public Trust.
______________________
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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.
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________________________
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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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.
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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________________________
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Hatch
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CMC Markets
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
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CMC Markets
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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'?
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________________________
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I may receive a financial benefit if you click on these links.
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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
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Sign up to the KiwiSaver Millionaire Roadmap:From 6 figures to 7; Get a Rockstar Retirement!
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________________________
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I may receive a financial benefit if you click on these links.
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
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CMC Markets
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
YouTube Version
Check out Smart Money Tracker by Gary Savage.
The more I learn about how people actually build wealth, the more cautiously I prescribe diversification.
We’re sold index funds, but businesses and property are often what really 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.
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Find out about our financial strategy sessions
I 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.
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Would you like to learn more about how we can offer personal mortgage rate advice? Get in touch here: Book a free 15-min chat
Chasing the Joneses
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.
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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.
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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!
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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.
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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.
If it all falls apart, wouldn't it be good to know the art in how you build back up again? Read More
Bridgette Jackson is a divorce coach and she heads up Equal Exes.
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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: @UngaroDarcy
Follow Charlie Twitter: @CyborgCharlie
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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!
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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 here
Connect with me on LInkedIn
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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 Joneses
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.
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Check out some online courses!
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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.
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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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 here
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.
______________________
Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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!
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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________________________
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Part 1: Mortgage Strategy 2024 / CHA$ING THE JONE$E$
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.
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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!
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________________________
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A 1-10% allocation towards bitcoin may improve performance of an overall portfolio, without an out-sized increase in volatility. Read more here
US M2 FRED - https://fred.stlouisfed.org/series/WM2NS
Yield curve FRED - https://fred.stlouisfed.org/series/T10Y2Y
How 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/
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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________________________
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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 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!
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________________________
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 here
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________________________
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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
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________________________
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 More
Watch YouTube Video as mentioned by Peter in the show.
Special shout out to GOLDIE, for for fractionalised real world asset exposure, like physical gold!*
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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.
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Sign up to the KiwiSaver Millionaire Roadmap:From 6 figures to 7; Get a Rockstar Retirement!
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________________________
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
To understand wealth better, we need to learn more about money, and how it could evolve in the future. 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/
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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 more
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!
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________________________
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 more
Check 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, https://thediplomat.com/2023/04/the-strategic-case-for-new-zealand-to-join-aukus/
(2022) 'Great Power Politics: The US-China Balance of Power in Transition' in (ed.) Aiden Warren, Global Security in an Age of Crisis (Edinburgh University Press)
(2022) 'The Fate of the Indo-Pacific: Lessons from Ukraine and US Diplomacy Towards Taiwan', 9DASHLINE, https://www.9dashline.com/article/the-fate-of-the-indo-pacific-lessons-from-ukraine-and-us-diplomacy-towards-taiwan
(2020) Emerging Technologies and International Security: Machines, the State and War (Routledge)
Visit website at 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!
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Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.
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________________________
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Talk to Ungaro & Co about investing in bitcoin with a portion of your KiwiSaver,without high fees *
Check out Daniel's book, Actionable Ethicsand 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.
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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www.ungaro.co.nz
________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
CMC Markets
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Chasing the Joneses
Today, 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 Social
UGRO: For YOUR Wealth
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Darcy Ungaro
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Twitter: @UngaroDarcy
www.ungaro.co.nz
________________________
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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www.ungaro.co.nz
________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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www.ungaro.co.nz
________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
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CMC Markets
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
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CMC Markets
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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: carley@ungaro.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 Social
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Darcy Ungaro
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www.ungaro.co.nz
________________________
Affiliate Links!
I may receive a financial benefit if you click on these links.
Hatch
Sharesies
Easy Crypto
Sharesight: (Get 5 months free)
CMC Markets
Revolut: 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 more
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 Joneses
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 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 Social
UGRO: For YOUR Wealth
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Darcy Ungaro
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________________________
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Sharesight: (Get 5 months free)
*CMC Markets
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*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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 Social
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________________________
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Hatch
Sharesies
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Sharesight: (Get 5 months free)
CMC Markets
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.
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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 Social
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UGRO: For YOUR Wealth
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________________________
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Hatch
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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.
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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Sign up to The Home Buyers Blueprint Now!
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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. Amongst all this change, there’s going to be opportunity for those comfortable with changing their views. Read more here
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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
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
Chasing the Joneses
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 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.
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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, 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
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Sign up to the KiwiSaver Millionaire Roadmap: This one's free!
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Chasing the Joneses
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 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 Social
UGRO: For YOUR Wealth
YouTube
Darcy Ungaro
Book a free 15-min chat
Twitter: @UngaroDarcy
www.ungaro.co.nz
________________________
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*Hatch
*Sharesies
*Easy Crypto
Sharesight: (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, 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
______________________________________
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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.
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Hugh Hendry is a Scottish ex-hedge fund manager well known for his performance during the
global financial crisis of 2008.
Today, we’ll be covering off how our guest is thinking about his portfolio during these
times – remember not to conflate edutainment with financial advice though.
______________________________________
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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 Social
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UGRO: For YOUR Wealth
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Darcy Ungaro
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________________________
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I may receive a financial benefit if you click on these links.
Hatch
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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, and take a broad range of...
Hey! Can we have a little chat?
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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, 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.
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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, 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?
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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.
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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, 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!
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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.
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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.
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Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice,...
Sign up to the KiwiSaver Millionaire Roadmap!
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If you're picking up what I'm putting down, help me build the Everyday Investor community!
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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, 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...
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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 Crypto
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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&P indices.
Check out the chart that Michael referred to here.
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Disclaimer: Please act independently from any content provided in these episodes;...
Special announcement! News of the Money-World is re-grouping, re-strategizing, and (hopefully!) relaunching in September 2023 as per announcement.
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Check out the latest blog on this topic.
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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.
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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.
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Learn about Bob Ross here: https://youtu.be/lLWEXRAnQd0
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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, 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.
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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 & 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, 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.
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CMC Markets: *Note CFD's are incredibly high risk investment options(read more here)
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2 - Subscribe to YouTube to get earlier access, and participate in live events.
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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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, 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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.com
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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.
Hatch
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Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 & 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 - 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 here
4 - 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, 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.pdf
https://olivershaw.co.nz/
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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.
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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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 here
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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 & 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 - 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 here
4 - 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, 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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, 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.
Use the offer code: WEBINAR for an 80% discount! What?! Yes, and 80% discount!
___________________
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 & 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 - 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 here
4 - 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, 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 Podcast
Sign 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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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/0197519644
Ray Dalio Book
Re-Builders Podcast
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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 & 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 - 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 here
4 - 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, 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. 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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 here
Sign up to Easy Crypto here: Easy Crypto
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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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 More
Want 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/QVwc7DjtAT0
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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
In this episode of the Everyday Investor, Carley Ellis, and Stu Potter 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: 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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, 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&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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!
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: bc1qz2uhg0h2m5dapnekdllru4hllf573j2np00elj
Please 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.
Hatch
Sharesies
Easy Crypto
Sharesight: (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 - 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 here
4 - 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, 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.
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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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 decentralised 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 & 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.
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 & 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 - Subscribe to YouTube to get earlier access, participate in these live-recordings.
3 - Sign up to the NZ Everyday Investor Newsletter!
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
Sign up to New Wealth Foundations Now
Personal 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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, 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 here
Check out the video version 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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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 & 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.
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 & 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 - Subscribe to YouTube to get earlier access, participate in these live-recordings.
3 - Sign up to the NZ Everyday Investor Newsletter!
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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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.
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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
Personal finance should never be the destination, but it should be the foundation. 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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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 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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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 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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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 here
Thanks 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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
Kevin Carter is the founder & CIO of EMQQ, an emerging markets internet & 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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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!
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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 & 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.
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 & 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 - Subscribe to YouTube to get earlier access, participate in these live-recordings.
3 - Sign up to the NZ Everyday Investor Newsletter!
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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 & 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.
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 & 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 - Subscribe to YouTube to get earlier access, participate in these live-recordings.
3 - Sign up to the NZ Everyday Investor Newsletter!
Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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.
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 & 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 - 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.
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 & 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?
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.
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 & 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 - 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: Sign up to our newsletter...
There's nothing more annoying than just the news.
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 & 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.
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 & 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 - Subscribe to
_________________
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.
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 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.
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 & 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 - 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: Sign up to our newsletter here
Disclaimer: Please act independent 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, 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.
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 & 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 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.
So if you do own crypto and more specifically Bitcoin, you may be tempted to throw in the
towel 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.
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 & 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. We're in a new regime. 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. https://ungaro.co.nz/articles/ (Check out the remainder of this article) Greg Fleming is Head of Global Diversified Funds with https://www.saltfunds.co.nz/ (Salt )Funds, an Auckland based Investment manager. is https://www.saltfunds.co.nz/ https://sorted.org.nz/guides/saving-and-investing/bonds?utm_term=&utm_campaign=&utm_source=adwords&utm_medium=ppc&hsa_acc=7930496158&hsa_cam=13565468375&hsa_grp=127351110841&hsa_ad=528302705172&hsa_src=g&hsa_tgt=aud-814960547217:dsa-1323729065189&hsa_kw=&hsa_mt=&hsa_net=adwords&hsa_ver=3&gclid=CjwKCAjw8JKbBhBYEiwAs3sxN_OXsow4ymMBsBcUY2X5txBwdERUph8eQ6AmFTjgI8aOIvr_6MwcTRoCuCwQAvD_BwE (Check out the Sorted website for more info on bonds)
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 https://youtube.com/@NZEverydayInvestor (YouTube), and if you can, subscribe on https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://youtube.com/@NZEverydayInvestor (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...
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. We're in a new regime. 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. https://ungaro.co.nz/articles/ (Check out the remainder of this article) Greg Fleming is Head of Global Diversified Funds with https://www.saltfunds.co.nz/ (Salt )Funds, an Auckland based Investment manager. is https://www.saltfunds.co.nz/ https://sorted.org.nz/guides/saving-and-investing/bonds?utm_term=&utm_campaign=&utm_source=adwords&utm_medium=ppc&hsa_acc=7930496158&hsa_cam=13565468375&hsa_grp=127351110841&hsa_ad=528302705172&hsa_src=g&hsa_tgt=aud-814960547217:dsa-1323729065189&hsa_kw=&hsa_mt=&hsa_net=adwords&hsa_ver=3&gclid=CjwKCAjw8JKbBhBYEiwAs3sxN_OXsow4ymMBsBcUY2X5txBwdERUph8eQ6AmFTjgI8aOIvr_6MwcTRoCuCwQAvD_BwE (Check out the Sorted website for more info on bonds)
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 https://youtube.com/@NZEverydayInvestor (YouTube), and if you can, subscribe on https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://youtube.com/@NZEverydayInvestor (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...
______________ https://ungaro.co.nz/nzeverydayinvestor/events/ (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,https://ungaro.co.nz/nzeverydayinvestor/events/ ( 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 https://youtube.com/@NZEverydayInvestor (YouTube), and if you can, subscribe on https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://youtube.com/@NZEverydayInvestor (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent from
______________ https://ungaro.co.nz/nzeverydayinvestor/events/ (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,https://ungaro.co.nz/nzeverydayinvestor/events/ ( 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 https://youtube.com/@NZEverydayInvestor (YouTube), and if you can, subscribe on https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://youtube.com/@NZEverydayInvestor (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent from
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: https://youtu.be/7KL_-WLx6UA (Investing with Tom). ______________ https://ungaro.co.nz/nzeverydayinvestor/events/ (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,https://ungaro.co.nz/nzeverydayinvestor/events/ ( 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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad...
https://ungaro.co.nz/nzeverydayinvestor/events/ (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,https://ungaro.co.nz/nzeverydayinvestor/events/ ( 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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad
https://ungaro.co.nz/nzeverydayinvestor/events/ (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. Link’s in the show notes – get in quick,https://ungaro.co.nz/nzeverydayinvestor/events/ ( BUY TICKETS NOW!) Now today, I’m talking commercial property with two highly skilled investors, who have a goal to convert the https://images.provincia.beingbui.lt/wp-content/uploads/2022/09/15145130/Investment-Statement_digital_v2.pdf (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. https://www.fma.govt.nz/assets/Reports/FMA-Thematic-review-of-use-of-the-wholesale-investor-exclusion.pdf (Please read the details) on the recent FMA warning as mentioned. https://www.fma.govt.nz/consumer/investing/types-of-investments/wholesale-investors/#:~:text=Wholesale%20investors%20for%20all%20offers%20of%20financial%20products&text=they%20are%20'large'%20(the,they%20are%20a%20Government%20Agency. (Please read more on )the definition of wholesale and eligible investors https://images.provincia.beingbui.lt/wp-content/uploads/2022/09/15145130/Investment-Statement_digital_v2.pdf (Please 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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & Co) Financial Services, the main partner of this podcast. Want to learn...
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, https://www.eventbrite.com/e/news-of-the-money-world-live-2022-tickets-428859027897 (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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to...
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). https://www.provincia.co.nz/investor-centre/latest-offer/ (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 https://www.fma.govt.nz/consumer/investing/types-of-investments/wholesale-investors/#:~:text=Wholesale%20investors%20are%20defined%20in,just%20for%20a%20particular%20offer. (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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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...
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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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 more 2 – We can take higher risk 3 – Or we can keep an open mind I’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 https://bravenewcoin.com/ (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/ (https://ultrasound.money/) Twitter for Aditya @Dascryptoforyou
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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent from...
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'? https://our.actionstation.org.nz/petitions/creating-gender-equality-in-kiwisaver (Sign the petition here for KiwiSaver) contribution sharing that was discussed 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! 1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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...https://ungaro.co.nz/investing-through-war/ (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: reuben.steff@waikato.ac.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! 1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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. https://our.actionstation.org.nz/petitions/creating-gender-equality-in-kiwisaver (Sign the petition here for KiwiSaver) contribution sharing that was discussed 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! 1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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 https://crypto-curious.eventbrite.com/ (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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
https://www.eventbrite.com/e/crypto-curious-tickets-415730159097?utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=listing&utm-source=cp&aff=escb (Register for the Crypto Curious LIVE Event)! Recently, I was invited on to another podcast to share a bit of my journey in becoming a financial 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 thehttps://open.spotify.com/show/3XdoTWRV0sCmRkejh7mmJd?si=406ce50301ac41f0 ( 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. https://financialadvice.nz/better-behaviours-2/ (Proof )that financial advice leads to better outcomes. 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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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 https://crypto-curious.eventbrite.com (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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/ungaro/15min (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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? What happens if war gets out of control, or spreads to areas far closer to home? 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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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 KiwiSaver 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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
Investing is for everyone, but often make the biggest difference in the hands of those who've come the longest way. 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 as I enjoy father sons holiday in the snow. Te Kahukura, the person behind Maori Millionaire is our guest. 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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, and take on board a broad range of opinions. Ideally, engage a financial adviser and pay for advice!
I thought we were doing so well when it came to growing money-smarts in NZ, so when I read the report https://7422267.fs1.hubspotusercontent-na1.net/hubfs/7422267/FSC%20Corporate/Documents/Research%20Reports/Money%20and%20You%20-%20Investing%20in%20volatile%20times%20-%20Financial%20Services%20Council%20-%20August%202022.pdf (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 years especially, 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 https://www.fsc.org.nz/who-we-are-fsc (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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent from any content provided in these episodes - it's not financial advice, because...
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! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here)) 3 - When you're reviewing your insurance plan or KiwiSaver, obtaining a mortgage or in need of financial advice, use https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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 - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Subscribe to https://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw (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: https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent 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, 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 https://ungaro.co.nz/ (Ungaro & 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 - https://calendly.com/carleyellis/15-minute-free-chat (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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! https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time with them. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here) 3 - 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 https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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- https://calendly.com/ungaro/talk-to-us-about-kiwisaver (click on this link). Book a free 15-min chat to discuss how our Financial Strategy and Mortgages/Property advice can build wealth - https://calendly.com/ungaro/15min (click on this link). Book a free 15-min chat to discuss your Personal Insurance Strategy here - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Increasingly, there's more content you can discover on other platforms, please ensure https://ungaro.co.nz/nzeverydayinvestor/
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. https://www.bloomberg.com/news/newsletters/2022-08-03/what-s-happening-in-the-world-economy-china-s-intensifying-headaches?sref=IFd5fnjx (What’s Happening in the World Economy: China's Intensifying Headaches - Bloomberg) https://nzchinacouncil.org.nz/wp-content/uploads/2022/04/China-trade-report-2022-update.pdf (China-trade-report-2022-update.pdf(nzchinacouncil.org.nz)) https://www.stuff.co.nz/business/124636524/fonterras-profits-are-increasingly-reliant-on-china (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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! https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time with them. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here) 3 - 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 https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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- https://calendly.com/ungaro/talk-to-us-about-kiwisaver (click on this link). Book a free 15-min chat to discuss how our Financial Strategy and Mortgages/Property advice can build wealth - https://calendly.com/ungaro/15min (click on this link). Book a free 15-min chat to discuss your Personal Insurance Strategy here - https://calendly.com/carleyellis/15-minute-free-chat (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?...
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, 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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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! https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time with them. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here) 3 - 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 https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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- https://calendly.com/ungaro/talk-to-us-about-kiwisaver (click on this link). Book a free 15-min chat to discuss how our Financial Strategy and Mortgages/Property advice can build wealth - https://calendly.com/ungaro/15min (click on this link). Book a free 15-min chat to discuss your Personal Insurance Strategy here - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Increasingly, there's more content you can...
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). We're living in rather odd times. At the time of recording, I had no idea of the events that unfolded on the 3rd of August 2022 - 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 - 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://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.statista.com/statistics/267998/countries-with-the-largest-gold-reserves/) https://www.npr.org/2022/06/17/1105896419/russia-putin-speech-sanctions (https://www.npr.org/2022/06/17/1105896419/russia-putin-speech-sanctions) https://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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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! https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time with them. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here) 3 - 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...
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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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! https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time with them. https://easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here) 3 - 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 https://my.captivate.fm/www.ungaro.co.nz (Ungaro & 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- https://calendly.com/ungaro/talk-to-us-about-kiwisaver (click on this link). Book a free 15-min chat to discuss how our Financial Strategy and Mortgages/Property advice can build wealth - https://calendly.com/ungaro/15min (click on this link). Book a free 15-min chat to discuss your Personal Insurance Strategy here - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Increasingly, there's more content you can discover on other platforms, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube) 3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for spam/marketing purposes. https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent from any content provided in these episodes - it shouldn't be 'financial advice' if there's no accounting for your individual circumstances, but better safe than sorry. 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. I genuinely want you to build new wealth for the new world - I want you to protect it, and I want...
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 https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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://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.statista.com/statistics/267998/countries-with-the-largest-gold-reserves/) https://www.npr.org/2022/06/17/1105896419/russia-putin-speech-sanctions (https://www.npr.org/2022/06/17/1105896419/russia-putin-speech-sanctions) https://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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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! https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. http://cmc.mk/KXR0LQ (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 https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here) 3 - 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 https://my.captivate.fm/www.ungaro.co.nz (Ungaro & Co), the main (silent) partner of this podcast. You can book a free 15-min chat with Darcy (Financial Strategy, Mortgages, KiwiSaver) - https://calendly.com/ungaro/15min (click on this link). You can book a free 15-min chat with Carley (Insurance, KiwiSaver) - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Increasingly, there's more content you can discover on other platforms, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube) 3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for spam/marketing purposes. https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent from any...
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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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! https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (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 this is high risk and not advisable for those investing more than they are uncomfortable losing. Read t's and c's https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here) 3 - 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 https://my.captivate.fm/www.ungaro.co.nz (Ungaro & Co), the main (silent) partner of this podcast. You can book a free 15-min chat with Darcy (Financial Strategy, Mortgages, KiwiSaver) - https://calendly.com/ungaro/15min (click on this link). You can book a free 15-min chat with Carley (Insurance, KiwiSaver) - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Increasingly, there's more content you can discover on other platforms, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube) 3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for spam/marketing purposes. https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent from any content provided in these episodes - it shouldn't be 'financial advice' if there's no accounting for your individual circumstances, but better safe than sorry. 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. I genuinely want you to build new wealth for the new world - I want you to protect it, and I want you to be generous!
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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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! https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (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 this is high risk and not advisable for those investing more than they are uncomfortable losing. Read t's and c's https://www.cmcmarkets.com/en-nz/refer-a-friend-nz-tc (here) 3 - 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 https://my.captivate.fm/www.ungaro.co.nz (Ungaro & Co), the main (silent) partner of this podcast. You can book a free 15-min chat with Darcy (Financial Strategy, Mortgages, KiwiSaver) - https://calendly.com/ungaro/15min (click on this link). You can book a free 15-min chat with Carley (Insurance, KiwiSaver) - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Increasingly, there's more content you can discover on other platforms, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube) 3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for spam/marketing purposes. https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent from any content provided in these episodes - it shouldn't be 'financial advice' if there's no accounting for your individual circumstances, but better safe than sorry. 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. I genuinely want you to build new wealth for the new world - I want you to protect it, and I want you to be generous!
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&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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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! https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (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. https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor (Sharesight): Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. 3 - 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 & Co, the main (silent) partner of this podcast. You can book a free 15-min chat with Darcy (Financial Strategy, Mortgages, KiwiSaver) - https://calendly.com/ungaro/15min (click on this link). You can book a free 15-min chat with Carley (Insurance, KiwiSaver) - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Increasingly, there's more content you can discover on other platforms, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube) 3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for spam/marketing purposes. https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent from any content provided in these episodes - it shouldn't be 'financial advice' if there's no accounting for your individual circumstances, but better safe than sorry. 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. I...
________________________________ 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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (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. https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies: )$10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (Easy Crypto): One of NZ's most trusted places to buy/sell your digital assets. 3 - 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 https://my.captivate.fm/www.ungaro.co.nz (Ungaro & Co), the main (silent) partner of this podcast. You can book a free 15-min chat with Darcy (Financial Strategy, Mortgages, KiwiSaver) - https://calendly.com/ungaro/15min (click on this link). You can book a free 15-min chat with Carley (Insurance, KiwiSaver) - https://calendly.com/carleyellis/15-minute-free-chat (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? https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 2 - Increasingly, there's more content you can discover on other platforms, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube) 3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for spam/marketing purposes. https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) Disclaimer: Please act independent from any content provided in these episodes - it shouldn't be 'financial advice' if there's no accounting for your individual circumstances, but better safe than sorry. 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. I genuinely want you to build new wealth for the new world - I want you to protect it, and I want you to be generous!
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. For further research: Ep 185 with the RBNX: https://player.captivate.fm/episode/5aee9607-995f-4ea3-87ed-b7407c69424f (https://player.captivate.fm/episode/5aee9607-995f-4ea3-87ed-b7407c69424f) Ep 169 with Campbell Pentney: https://player.captivate.fm/episode/3e846857-ff89-46b7-83a4-9d6c5a2700c5 (https://player.captivate.fm/episode/3e846857-ff89-46b7-83a4-9d6c5a2700c5) Ep 120 with Mark Pascall: https://player.captivate.fm/episode/34a7adac-945f-4e25-b009-bf0af6cd9f1f (https://player.captivate.fm/episode/34a7adac-945f-4e25-b009-bf0af6cd9f1f) Today 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.
________________________________ 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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic, or a guest!) 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. 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: Use the following referral/affiliate links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link) I genuinely want you to build new wealth for the new world - I want you to protect it, and I want you to be generous!
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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
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.com https://www.surveymonkey.com/r/CZ3LM5N (Ask 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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...
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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
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. https://www.surveymonkey.com/r/CZ3LM5N (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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
"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 Coleman https://www.surveymonkey.com/r/CZ3LM5N (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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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: https://investor.vanguard.com/investor-resources-education/campaign/investor-series/investing-emotion-and-your-unconscious-mind (Investing, emotion, and your unconscious mind | Vanguard) https://www.kourawealth.co.nz/blog/personal-instincts-wealth-creation (Your 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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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. https://www.surveymonkey.com/r/CZ3LM5N (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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
https://www.surveymonkey.com/r/CZ3LM5N (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.nz Remember 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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
https://www.surveymonkey.com/r/CZ3LM5N (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.nz Want to check out https://www.sharesight.com/nz/ (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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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. https://www.surveymonkey.com/r/CZ3LM5N (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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic, or a guest!) Tom Hartmann, personal finance lead with the https://retirement.govt.nz/ (Retirement Commission). Check out https://sorted.org.nz/blog/make-your-money-go-further-with-these-7-tips (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-C05g (https://open.spotify.com/episode/4HY3mejouE0hPw8OJlRkjw?si=EP0s26kCSRGeKXc3E-C05g) KiwiSaver: Navigating troubled waters: https://open.spotify.com/episode/4UaVYJwNNlWBv9y4JwIkt8?si=BssrSystSA2XRt1qFAB2cw (https://open.spotify.com/episode/4UaVYJwNNlWBv9y4JwIkt8?si=BssrSystSA2XRt1qFAB2cw) Financially Left Behind: https://open.spotify.com/episode/6TesUXz8CRtN3mKelGhjqB?si=nwcQlJzHQXi_oYqIL6_Z9Q (https://open.spotify.com/episode/6TesUXz8CRtN3mKelGhjqB?si=nwcQlJzHQXi_oYqIL6_Z9Q) Increasing Financial Capability: https://open.spotify.com/episode/53MTLzXzK0HC78zWTODcQ9?si=qYRV7cVXRJm47XXn8Z_3Fg (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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
https://www.surveymonkey.com/r/CZ3LM5N (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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - https://www.surveymonkey.com/r/CZ3LM5N (Ask me anything, suggest a topic!) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
https://www.surveymonkey.com/r/CZ3LM5N (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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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 https://maoriinitiatives.org/ (Maori Initiatives) team, a not for Profit Organisation : https://maoriinitiatives.org/ Tahei Simpson(tahei@vegalend.co.nz) 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 https://player.captivate.fm/episode/84961952-5cd9-4c1c-90b6-253e42584b0a (this )shortcut to episode 194 with Pat Shepherd from the one percent collective: https://player.captivate.fm/episode/84961952-5cd9-4c1c-90b6-253e42584b0a Credit: During this intro, I've taken the phrase 'the cis-gendered hetero-normative aggressors who perpetuate problematic toxic ideas of anglo-normativity' from https://youtu.be/RDjm9dseyok?t=172 (Babylon Bee) __________________________ https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US (Support my work via Papal): https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US https://www.patreon.com/Nzeverydayinvestorpodcast (Become 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) _____________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 -...
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 https://fortune.com/2022/05/12/terrausd-ust-luna-contagion-tether-bitcoin-solana-ether-price-crypto/ (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 & A session hosted by Carley Ellis from Ungaro & Co - this Friday, 20th May at 11:00 AM. Register here: https://www.kourawealth.co.nz/koura-specialty-funds-webinar (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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
Join kōura for a breakdown of their new specialty funds, followed up by a Q & A session - next Friday, 20th May at 11:00 AM. Register here: https://www.kourawealth.co.nz/koura-specialty-funds-webinar (https://www.kourawealth.co.nz/koura-specialty-funds-webinar) Greg Hutana is services Manager at Gorilla Technology, and part of the https://maoriinitiatives.org/ (Maori Initiatives) team, a not for Profit Organisation : https://maoriinitiatives.org/ Tahei Simpson(tahei@vegalend.co.nz) 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. __________________________ https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US (Support my work via Papal): https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US https://www.patreon.com/Nzeverydayinvestorpodcast (Become 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) _____________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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. Would you like to work with Darcy (financial adviser) on a 'fee-for-service' basis, or to implement your Insurance, KiwiSaver or Mortgage? Schedule in a free 15 min conversation by clicking onhttps://calendly.com/ungaro/15min ( this link) here
Join kōura for a breakdown of their new specialty funds, followed up by a Q & A session - next Friday, 20th May at 11:00 AM. Register here: https://www.kourawealth.co.nz/koura-specialty-funds-webinar (https://www.kourawealth.co.nz/koura-specialty-funds-webinar) Interested in chatting with an https://ungaro.co.nz/ (Ungaro & Co) financial adviser about koura KiwiSaver? Make a 30 minute appointment https://calendly.com/ungaro/talk-to-us-about-kiwisaver (now): https://calendly.com/ungaro/talk-to-us-about-kiwisaver You 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. __________________________ https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US (Support my work via Papal): https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US https://www.patreon.com/Nzeverydayinvestorpodcast (Become 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) _____________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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. Would you like to work with Darcy (financial adviser) on a 'fee-for-service' basis, or to implement your Insurance, KiwiSaver or Mortgage? Schedule in a free 15 min...
Join kōura for a breakdown of their new specialty funds, followed up by a Q & A session - next Friday, 20th May at 11:00 AM. Register here: https://www.kourawealth.co.nz/koura-specialty-funds-webinar (https://www.kourawealth.co.nz/koura-specialty-funds-webinar) Interested in chatting with an https://ungaro.co.nz/ (Ungaro & Co) financial adviser about koura KiwiSaver? Make a 30 minute appointment https://calendly.com/ungaro/talk-to-us-about-kiwisaver (now): https://calendly.com/ungaro/talk-to-us-about-kiwisaver Hold 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 & 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. __________________________ https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US (Support my work via Papal): https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US https://www.patreon.com/Nzeverydayinvestorpodcast (Become 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) _____________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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,...
Interested in chatting with a financial adviser about koura KiwiSaver? Make a 30 minute appointment https://calendly.com/ungaro/talk-to-us-about-kiwisaver (now): https://calendly.com/ungaro/talk-to-us-about-kiwisaver When 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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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 – https://www.martinhawes.com/ (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. https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US (Support my work via Papal): https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US https://www.patreon.com/Nzeverydayinvestorpodcast (Become a supporter on Patreon) and help advance the mission of the NZ Everyday Investor! _____________________________________________________ Complete the following survey tohttps://www.surveymonkey.com/r/3PM7ZCY ( 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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. Would you like to work with Darcy (financial adviser) on a 'fee-for-service' basis, or to implement your Insurance, KiwiSaver or Mortgage? Schedule in a free 15 min conversation by clicking onhttps://calendly.com/ungaro/15min ( this link) here
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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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 did For further reading/research, check out some of the work put out by BERL here: https://berl.co.nz/economic-insights Check out the Mises Institute as mentioned in the show: https://mises.org/ https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US (Support my work via Papal): https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US https://www.patreon.com/Nzeverydayinvestorpodcast (Become a supporter on Patreon) and help advance the mission of the NZ Everyday Investor! _____________________________________________________ Complete the following survey tohttps://www.surveymonkey.com/r/3PM7ZCY ( 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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 onhttps://calendly.com/ungaro/15min ( this link)
https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US (Support my work via Papal): https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US https://www.patreon.com/Nzeverydayinvestorpodcast (Become a supporter on Patreon) and help advance the mission of the NZ Everyday Investor! _____________________________________________________ Complete the following survey tohttps://www.surveymonkey.com/r/3PM7ZCY ( 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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 onhttps://calendly.com/ungaro/15min ( 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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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-wgPbo https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US (Support my work via Papal): https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US https://www.patreon.com/Nzeverydayinvestorpodcast (Become a supporter on Patreon) and help advance the mission of the NZ Everyday Investor! _____________________________________________________ Complete the following survey tohttps://www.surveymonkey.com/r/3PM7ZCY ( 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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 onhttps://calendly.com/ungaro/15min ( 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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
Check out the article in the https://www.nzherald.co.nz/business/darcy-ungaro-property-house-prices-should-your-home-be-an-investment-vehicle/EWRY3B5PUOATOVTZ6H5ON57774/ (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! https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US (Support my work via Papal): https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US https://www.patreon.com/Nzeverydayinvestorpodcast (Become a supporter on Patreon) and help advance the mission of the NZ Everyday Investor! _____________________________________________________ Complete the following survey tohttps://www.surveymonkey.com/r/3PM7ZCY ( 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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 onhttps://calendly.com/ungaro/15min ( 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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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.pdf (https://kernelwealth.co.nz/wp-content/uploads/2022/03/Kernel-Research-Paper-2022-The-Role-of-Infrastructure-in-an-Investment-Portfolio.pdf) https://player.captivate.fm/episode/ec530810-cee3-437c-9742-256aa5ff71d8 (Check out Episode 200 as mentioned today): https://player.captivate.fm/episode/ec530810-cee3-437c-9742-256aa5ff71d8 https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US (Support my work via Papal): https://paypal.me/TheEverydayInvestor?country.x=NZ&locale.x=en_US https://www.patreon.com/Nzeverydayinvestorpodcast (Become a supporter on Patreon) and help advance the mission of the NZ Everyday Investor! _____________________________________________________ Complete the following survey tohttps://www.surveymonkey.com/r/3PM7ZCY ( 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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 onhttps://calendly.com/ungaro/15min ( this link)
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&locale.x=en_US https://www.patreon.com/Nzeverydayinvestorpodcast (Become a supporter on Patreon) and help advance the mission of the NZ Everyday Investor! ____________________________________________________________ Complete the following survey tohttps://www.surveymonkey.com/r/3PM7ZCY ( 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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 onhttps://calendly.com/ungaro/15min ( 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-b7407c69424f (https://player.captivate.fm/episode/5aee9607-995f-4ea3-87ed-b7407c69424f) Central 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 KiwiBank Check out thehttps://investnow.co.nz/article-blow-in-why-inflation-is-the-new-risk-in-town/ ( following article) from Invest Now on inflation https://www.patreon.com/Nzeverydayinvestorpodcast (Become a supporter on Patreon) and help advance the mission of the NZ Everyday Investor! ____________________________________________________________ Complete the following survey tohttps://www.surveymonkey.com/r/3PM7ZCY ( 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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 onhttps://calendly.com/ungaro/15min ( 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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
Thanks very much to myGold for giving https://www.mygold.co.nz/product/2022-1oz-una-the-lion-silver-proof-coin/ (1 Oz silver coin) away to one lucky winner, worth $289.00 NZD. http://reporting.demand.co.nz/h/r/39B9BEC3C6F4EC9C2540EF23F30FEDED (ENTER THE COMPETITION HERE!) http://reporting.demand.co.nz/h/r/39B9BEC3C6F4EC9C2540EF23F30FEDED YouTube Links: https://youtu.be/3BRXTIukVII (To watch this episode instead): https://youtu.be/3BRXTIukVII https://www.youtube.com/c/CoinBureau/featured (Coin Bureau:) https://www.youtube.com/c/CoinBureau/featured https://www.youtube.com/c/DataDash (Nicholas Merten / Data Dash): https://www.youtube.com/c/DataDash https://www.youtube.com/c/CryptosRUs (I am George / Cryptos r us): https://www.youtube.com/c/CryptosRUs If signing up to Easy Crypto for the first time, please use my https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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! https://www.patreon.com/Nzeverydayinvestorpodcast (Become a supporter on Patreon) and help advance the mission of the NZ Everyday Investor! ____________________________________________________________ Complete the following survey tohttps://www.surveymonkey.com/r/3PM7ZCY ( 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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 onhttps://calendly.com/ungaro/15min ( this link)
Thanks very much to myGold for giving https://www.mygold.co.nz/product/2022-1oz-una-the-lion-silver-proof-coin/ (1 Oz silver coin) away to one lucky winner, worth $289.00 NZD. http://reporting.demand.co.nz/h/r/39B9BEC3C6F4EC9C2540EF23F30FEDED (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! https://www.patreon.com/Nzeverydayinvestorpodcast (Become a supporter on Patreon) and help advance the mission of the NZ Everyday Investor! ____________________________________________________________ Complete the following survey tohttps://www.surveymonkey.com/r/3PM7ZCY ( 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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 onhttps://calendly.com/ungaro/15min ( this link)
http://reporting.demand.co.nz/h/r/39B9BEC3C6F4EC9C2540EF23F30FEDED (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 https://www.mygold.co.nz/product/2022-1oz-una-the-lion-silver-proof-coin/ (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! https://www.patreon.com/Nzeverydayinvestorpodcast (Become a supporter on Patreon) and help advance the mission of the NZ Everyday Investor! ____________________________________________________________ Complete the following survey tohttps://www.surveymonkey.com/r/3PM7ZCY ( 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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 onhttps://calendly.com/ungaro/15min ( 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. The next show is going to be recorded live on Facebook, the 16th of March at 5:30pm 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
Watch the extended YouTube version https://youtu.be/DK1b8fp0So8 (here), complete with slides. https://www.patreon.com/Nzeverydayinvestorpodcast (Become a supporter on Patreon) and help advance the mission of the NZ Everyday Investor! ____________________________________________________________ Complete the following survey tohttps://www.surveymonkey.com/r/3PM7ZCY ( 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) The 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 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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...
https://www.patreon.com/Nzeverydayinvestorpodcast (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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (here), and have your say on what you'd like to hear more of in 2022! 5 - https://www.patreon.com/Nzeverydayinvestorpodcast (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 onhttps://calendly.com/ungaro/15min ( 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, 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 links Hatch: 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 _________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link)
Find out more about the Fin-Ed Centre with Massey: fin-ed.massey.ac.nz Check out the NZ Retirement Expenditure Guidelines: https://www.massey.ac.nz/massey/fms/Colleges/College%20of%20Business/School%20of%20Economics%20&%20Finance/FinEd/documents/RetExpBudget_Report_June2021.pdf Have your say, tell me about yourself! https://www.surveymonkey.com/r/3PM7ZCY (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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (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 onhttps://calendly.com/ungaro/15min ( 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: https://www.surveymonkey.com/r/3PM7ZCY (Complete the following survey to have your say on what you want to hear in 2022!) Use the following referral/affiliate links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (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 onhttps://calendly.com/ungaro/15min ( 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: https://www.surveymonkey.com/r/3PM7ZCY (Complete the following survey to have your say on what you want to hear in 2022!) Use the following referral/affiliate links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://my.captivate.fm/easycrypto.com/nz?ref=19599 (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. https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this Spotify link with your friends) ____________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - https://www.facebook.com/TheNZEverydayInvestor/ (Write a review on Facebook,) or your favorite podcast player 2 - To catch the live episodes, please ensure you havehttps://www.youtube.com/channel/UCnrBV-Q-PkgZrcW-dNgrmbw ( subscribed to us on YouTube ) 3 - Sign up to our https://ungaro.co.nz/nzeverydayinvestor/ (newsletter )here 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (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 onhttps://calendly.com/ungaro/15min ( 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. 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. 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-a858e25fe250 (https://historyofyesterday.com/the-life-cycle-of-empires-and-nations-a858e25fe250) An article on what's happening in UAE: https://edition.cnn.com/2022/01/24/middleeast/uae-ballistic-missiles-abu-dhabi-intl-hnk/index.html NZ 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 (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). 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 (https://www.journalofdemocracy.org/wp-content/uploads/2018/04/08_29.2_Brady_-pp._68-75.pdf). https://www.nzherald.co.nz/nz/anne-marie-brady-case-jacinda-ardern-pushes-back-on-oz-claim/RZMJGCGCAI3BQFSMRNK4AT7EQ4/ (https://www.nzherald.co.nz/nz/anne-marie-brady-case-jacinda-ardern-pushes-back-on-oz-claim/RZMJGCGCAI3BQFSMRNK4AT7EQ4/)’ Curious timing of North Korea missile test: https://thediplomat.com/2022/01/after-resuming-trade-with-china-north-korea-fires-another-2-ballistic-missiles/ (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-war (https://jamesclear.com/book-summaries/the-art-of-war) Russia and China ramp up informal alliance: https://www.voanews.com/a/china-deepens-informal-alliance-with-russia/6338773.html (https://www.voanews.com/a/china-deepens-informal-alliance-with-russia/6338773.html) Russia, 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/ https://www.surveymonkey.com/r/3PM7ZCY (_________________________________________________________________________________) https://www.surveymonkey.com/r/3PM7ZCY (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: https://www.surveymonkey.com/r/3PM7ZCY (Complete the following survey to have your say on what you want to hear in 2022!) Use the following referral/affiliate links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them....
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: https://youtu.be/Jlwy3OcM67U (Watch YouTube version here.) https://youtu.be/zf9Txh5UlgU (What's an NFT on YouTube) https://youtu.be/QHEf9ZVX7_8 (How to set up a Phantom wallet on Brave Browser on YouTube) https://phantom.app/download (Download Phantom Wallet) https://soltreez.com/about (A bit about the NFT I bought) (note: I only bought this because it was cheap and easy!) / Check out Soltreez on the https://magiceden.io/marketplace/soltreez (Magic Eden) market place https://www.surveymonkey.com/r/3PM7ZCY (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: https://www.surveymonkey.com/r/3PM7ZCY (Complete the following survey to have your say on what you want to hear in 2022!) Use the following referral/affiliate links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://dashboard.simplecast.com/accounts/5ab5cd5e-6b4c-4e03-b536-3933f9cfd7a9/shows/9558ca3d-e7ce-4b69-bd2f-4ad3d5249530/episodes/3a3dc1e3-1739-4749-93d5-8d5ed23efc8c/easycrypto.com/nz?ref=19599 (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 3 - https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (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 https://calendly.com/ungaro/15min (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: https://www.surveymonkey.com/r/3PM7ZCY (Complete the following survey to have your say on what you want to hear in 2022!) Use the following referral/affiliate links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://dashboard.simplecast.com/accounts/5ab5cd5e-6b4c-4e03-b536-3933f9cfd7a9/shows/9558ca3d-e7ce-4b69-bd2f-4ad3d5249530/episodes/3a3dc1e3-1739-4749-93d5-8d5ed23efc8c/easycrypto.com/nz?ref=19599 (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 https://www.youtube.com/watch?v=GBXgNeIGlvY&t=533s (here). _______________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 3 - https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 4 - Tell me more about yourself https://www.surveymonkey.com/r/3PM7ZCY (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 https://calendly.com/ungaro/15min (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: https://www.surveymonkey.com/r/3PM7ZCY (Have your say on what you'd like to hear more of in 2022!) Use the following referral/affiliate links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://dashboard.simplecast.com/accounts/5ab5cd5e-6b4c-4e03-b536-3933f9cfd7a9/shows/9558ca3d-e7ce-4b69-bd2f-4ad3d5249530/episodes/3a3dc1e3-1739-4749-93d5-8d5ed23efc8c/easycrypto.com/nz?ref=19599 (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 3 - https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (Sharesies): $10 for you, and $10 for me, if you sign up for the first time with them. https://dashboard.simplecast.com/accounts/5ab5cd5e-6b4c-4e03-b536-3933f9cfd7a9/shows/9558ca3d-e7ce-4b69-bd2f-4ad3d5249530/episodes/3a3dc1e3-1739-4749-93d5-8d5ed23efc8c/easycrypto.com/nz?ref=19599 (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 Andrew Malcom is my host today in the first episode for 2022 You can check out the good work of Mortgage HQ https://mhq.co.nz/ (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link) _________________________________________________________
Check out the episode mentioned around Core-Satellite: https://nzeverydayinvestor.simplecast.com/episodes/what-is-core-satellite-investing-dean-anderson-and-catherine-emerson (https://nzeverydayinvestor.simplecast.com/episodes/what-is-core-satellite-investing-dean-anderson-and-catherine-emerson) https://youtu.be/AHzA-z8G4XA (Check out this video on the CCCFA: https://youtu.be/AHzA-z8G4XA) 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 links https://app.hatchinvest.nz/share/uqhcj8y8 (Hatch): $10 for you, and $10 for me, if you sign up and deposit $100NZD. https://sharesies.com/r/RRPR6X (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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 (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 (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 links Hatch: 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-201 (https://nzeverydayinvestor.simplecast.com/episodes/whats-an-nft-and-should-you-even-care-ep-201) https://nzeverydayinvestor.simplecast.com/episodes/digital-id-digital-wealth-ep-199 (https://nzeverydayinvestor.simplecast.com/episodes/digital-id-digital-wealth-ep-199) https://nzeverydayinvestor.simplecast.com/episodes/breaking-news-central-bank-digital-currencies-ep-185 (https://nzeverydayinvestor.simplecast.com/episodes/breaking-news-central-bank-digital-currencies-ep-185) https://nzeverydayinvestor.simplecast.com/episodes/cbdcs-crypto-and-tax-campbell-pentney-ep-169 (https://nzeverydayinvestor.simplecast.com/episodes/cbdcs-crypto-and-tax-campbell-pentney-ep-169) https://nzeverydayinvestor.simplecast.com/episodes/power-to-the-people-ep-175-mark-pascall (https://nzeverydayinvestor.simplecast.com/episodes/power-to-the-people-ep-175-mark-pascall) https://nzeverydayinvestor.simplecast.com/episodes/stablecoins-in-a-changing-new-world-ep-156 (https://nzeverydayinvestor.simplecast.com/episodes/stablecoins-in-a-changing-new-world-ep-156) https://nzeverydayinvestor.simplecast.com/episodes/inflation-modern-monetary-theory-and-you-148-oliver-hartwich...
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 links Hatch: 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 2022 So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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 links Hatch: https://app.hatchinvest.nz/share/uqhcj8y8 (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 (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 (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-201 (https://nzeverydayinvestor.simplecast.com/episodes/whats-an-nft-and-should-you-even-care-ep-201) https://nzeverydayinvestor.simplecast.com/episodes/digital-id-digital-wealth-ep-199 (https://nzeverydayinvestor.simplecast.com/episodes/digital-id-digital-wealth-ep-199) https://nzeverydayinvestor.simplecast.com/episodes/breaking-news-central-bank-digital-currencies-ep-185 (https://nzeverydayinvestor.simplecast.com/episodes/breaking-news-central-bank-digital-currencies-ep-185) https://nzeverydayinvestor.simplecast.com/episodes/cbdcs-crypto-and-tax-campbell-pentney-ep-169 (https://nzeverydayinvestor.simplecast.com/episodes/cbdcs-crypto-and-tax-campbell-pentney-ep-169) https://nzeverydayinvestor.simplecast.com/episodes/power-to-the-people-ep-175-mark-pascall (https://nzeverydayinvestor.simplecast.com/episodes/power-to-the-people-ep-175-mark-pascall) https://nzeverydayinvestor.simplecast.com/episodes/stablecoins-in-a-changing-new-world-ep-156 (https://nzeverydayinvestor.simplecast.com/episodes/stablecoins-in-a-changing-new-world-ep-156) https://nzeverydayinvestor.simplecast.com/episodes/inflation-modern-monetary-theory-and-you-148-oliver-hartwich (https://nzeverydayinvestor.simplecast.com/episodes/inflation-modern-monetary-theory-and-you-148-oliver-hartwich) Everyday 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. 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 2. balance sheet for financial services 3. 101 on lending – how does it work from a banks perspective 4. how financial services uses this thing securitisation to help fund lending activities 5. how to bring that securitisation on-chain via nfts 6. how Defi creates additional sources of liquidity which diversifies the funding base and reducing systemic liquidity risk (e.g. covid, GFC...) __________________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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
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 links Hatch: 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 ____________________________ Wealth - is it finite, or infinite? We need to stop pulling down those who’ve built up wealth in this country and we need to ignore the ignorance of those who genuinely think they can make communism great again – it’s anti-wealth, anti-choice, and anti-freedom. Often some who’ve been exposed to Marxist ideology (most likely at university), when they try to build wealth in their own worlds, there's a wall of resistance – they may not have a name for it or even be aware of it, but they feel that there’s something wrong about creating financial security in their lives – why is this? __________________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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 links Hatch: https://app.hatchinvest.nz/share/uqhcj8y8 (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 (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 (https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA) _______________________________________ https://www.stuff.co.nz/business/opinion-analysis/300427788/kiwisaver-in-colour-why-it-shouldnt-be-the-new-black (Check out the article mentioned at the start of the show here) https://www.stuff.co.nz/business/the-monitor/126989719/cryptoadvice-from-an-ai-adviser-what-is-the-future-for-financial-services (Read about the future of financial advice here ) 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. https://www.investopedia.com/terms/b/brettonwoodsagreement.asp (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 https://en.wikipedia.org/wiki/Nixon_shock (US dollar off the gold standard). 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. 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. __________________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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 links Hatch: 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 https://www.facebook.com/TheNZEverydayInvestor (NZ Everyday Investor Facebook page) __________________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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 links Hatch: 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 ____________________________ Safety The word of the day The sponsor of today's episode And your 'safe' word. Hope you enjoy this one. In today's podcast I reference an https://www.nzherald.co.nz/nz/david-fisher-theres-a-high-chance-of-a-domestic-terror-attack-before-2022-ends/UOCKB6GTTE2XT66W6FQA76AWAM/ (article in the Herald )regarding terrorism risks rising which could lead to an act being carried out in 2022. Whilst I in no way would condone an act of terrorism, and think hate-speech of any kind isn't cool - I do think we need to take a critical look behind the curtain as to what's pushing the narratives this article touches on. If there's an increasing voice of protest against authorities, simply stamping out that voice with vague threats that 'they could be narked on by others', may have unintended consequences. This includes (but isn't limited to), spurring on the type of evil they justifiable want to stamp out. Is this a case of the fireman being the arsonist, or symptomatic of new type of fascism gaining momentum in NZ? Remember with these Friday sessions: There's opinion...and then there's fact. Somewhere in the middle likely lies the truth but that's where you come in - today is opinion designed to get you to think - please, after informing your brain from a wide variety of views, think [and act!] for yourself when it comes to decisions around your health and wealth. NOTE: News of the Money-World will be released this Saturday, the 4th of December, due to technical issues. __________________________________________________________________ So what's next for you? Well, you may want to consider the following... 1 - Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favorite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (click on this link) _________________________________________________________ https://dashboard.simplecast.com/accounts/5ab5cd5e-6b4c-4e03-b536-3933f9cfd7a9/shows/9558ca3d-e7ce-4b69-bd2f-4ad3d5249530/episodes/490b3eb3-528f-40ec-a53b-da2fd5d11f9c/# (Show Less)
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 links Hatch: 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! https://youtu.be/zf9Txh5UlgU (WATCH THE YOUTUBE VIDEO HERE) Heard 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 NFTs Vaccine 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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...
There's an entire government behind the push to build more homes, and there's an entire industry behind it also. There's few, very few, who cheer for the team who invest in existing residential pre-existing homes. Is that because they're a 'bad' investment, or just not as tax efficient as they used to be? So what's so good about investing in new-builds? Anything you should watch out for? Especially at the moment? Warning: This content today may disturb those with an inability to distinguish the difference between opinion and fact, or those allergic to opposing views. As usual, don't ever act on anything discussed on these shows, especially today - it's really just about making you think for yourself. Hey, and welcome to Episode 200! __________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6 - 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 https://calendly.com/ungaro/15min (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 links Hatch: 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/alliance (https://id2020.org/alliance) The Microsoft Central article mentioned in the show can be found here: https://www.windowscentral.com/microsoft-universal-digital-identification-and-you You can learn more about APLYiD here: https://www.aplyid.com/about (https://www.aplyid.com/about) You can read more about Digital ID here: https://unlimitedhangout.com/teachnocracy/ (https://unlimitedhangout.com/teachnocracy/) And for something completely different, the below was written about 2000 years ago...it's probably nothing... Revelation 13:16-18 It [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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase...
Hey! Thanks for listening! Can I ask a favor of you? It's for the financial future of the next generation... ... so not a biggie if you have other things on, you know...whatever I'm doing a bit of market research in preparation for a new financial advice model I'm working on, and if you help me out here I'd appreciate it! You can complete the survey here: https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) _____________ Bitcoin - why it's the best thing for the environment ever, and how it keeps us safe from lizard people. Portfolio construction and the everyday investor - while there's no cooks in the kitchen other than yourself, when you're a DIY investor, it still pays to consider the recipe. Especially for a good taste good and plenty of nourishment. Hmmm Are you interested in buying Bitcoin AND supporting the NZ Everyday Investor podcast? Then check out the following affiliate link to Easy Crypto https://nzeverydayinvestor.simplecast.com/episodes/passive-investing-with-kiwisaver-ep-146-rupert-carlyon (Episode 146) - Passive Investing https://nzeverydayinvestor.simplecast.com/episodes/what-is-core-satellite-investing-dean-anderson-and-catherine-emerson (Episode 98) - Core/Satellite Investing https://youtu.be/cOjI3jDpNxo (Diversification video on YouTube) https://nzeverydayinvestor.simplecast.com/episodes/targeting-property-investors-ep-144-amanda-martin (Episode 144) - Changes to tax rules with investment properties. __________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Complete this survey! https://www.surveymonkey.com/r/D85X69C (A Future Model of Financial Advice) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6 - 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 https://calendly.com/ungaro/15min (click on this link) _________________________________________________________
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 forhttps://www.hatchinvest.nz/news/27-10-21-play-the-bitcoin-boom ( Bitcoin ETF) 3- 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 https://nzeverydayinvestor.simplecast.com/episodes/vault-digital-funds-ep-188 (here) Check 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-portfolio (https://www.kourawealth.co.nz/blog/does-cryptocurrency-fit-into-a-diversified-investment-portfolio) Congrats to the winner of the $50 KiwiSaver credit, care of https://www.kourawealth.co.nz/?utm_term=koura%20wealth&utm_campaign=Brand&utm_source=adwords&utm_medium=ppc&hsa_acc=8280808564&hsa_cam=6460343005&hsa_grp=84177337864&hsa_ad=500462822294&hsa_src=g&hsa_tgt=kwd-807896617910&hsa_kw=koura%20wealth&hsa_mt=e&hsa_net=adwords&hsa_ver=3&gclid=CjwKCAjwkvWKBhB4EiwA-GHjFiOW7Iz61mnZVHoSsgQNnxg36om3RIDa-B_xynZtRaIBiHQfL7aiuxoCqNgQAvD_BwE (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 https://www.facebook.com/TheNZEverydayInvestor (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6 - 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
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 KiwiBank If 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6 - 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 https://calendly.com/ungaro/15min (click on this link) _________________________________________________________
Yes it is indeed Friday! Hey thanks very much for all those who voted on the NZ Podcast Awards. The NZ Everyday Investor picked up Silver in the best business podcast - pretty amazing! __________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6 - 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 https://calendly.com/ungaro/15min (click on this link) _________________________________________________________
Pat Shepherd, from the https://www.onepercentcollective.org/ (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6 - 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 https://calendly.com/ungaro/15min (click on this link) _________________________________________________________
Yes, yes I do think this may be the case. I'd never attempt to call the top of the share market, and I certainly hope I'm wrong, but chances are, things could get a bit shaky shortly when it comes to property. I'd suggest in the next 12 months, odds are high we'll see a significant pull back in prices. Now not only is that 'bad for business' for me to suggest this, but unless I'm trying to get headlines in the Herald, I'm risking my reputation by putting this out there. I recently did a survey on Linked In, a here's what I learnt from the 94 responses so far: -30% of people expect property prices to stay the same -51% of people think prices will continue to track upwards -and only 19% of people think prices will come down. Phew! I was worried for a moment I might inadvertently be thinking like everyone else! You may also wish to check out an article I did in the Herald recently about this https://www.nzherald.co.nz/business/darcy-ungaro-this-property-bull-sees-danger-ahead/SDY5IDUHSJVB36GW3WXLSUP5YQ/ (here). __________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6 - 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 https://calendly.com/ungaro/15min (click on this link) _________________________________________________________
Charts! Feel free to check out the live session on Facebook, or alternatively, you can view the charts referenced down below https://www.macrotrends.net/1329/us-dollar-index-historical-chart (Historical USD chart) https://goldprice.org/gold-price-chart.html (Historical Gold chart) https://www.tradingview.com/symbols/BTCUSD/ (Historical Bitcoin chart) https://www.marketwatch.com/investing/index/spx/charts (S&P 500 chart) Relativity 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 https://www.kourawealth.co.nz/?utm_term=koura%20wealth&utm_campaign=Brand&utm_source=adwords&utm_medium=ppc&hsa_acc=8280808564&hsa_cam=6460343005&hsa_grp=84177337864&hsa_ad=500462822294&hsa_src=g&hsa_tgt=kwd-807896617910&hsa_kw=koura%20wealth&hsa_mt=e&hsa_net=adwords&hsa_ver=3&gclid=CjwKCAjwkvWKBhB4EiwA-GHjFiOW7Iz61mnZVHoSsgQNnxg36om3RIDa-B_xynZtRaIBiHQfL7aiuxoCqNgQAvD_BwE (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 https://www.facebook.com/TheNZEverydayInvestor (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 links Hatch: 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 https://youtu.be/AHzA-z8G4XA (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 https://calendly.com/ungaro/15min (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. https://nzeverydayinvestor.simplecast.com/episodes/c560c4e8 (Check out another podcast episode around family trusts), which specifically covers off what they are still good for. https://www.lockhartlegal.co.nz/ (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6 - 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 https://calendly.com/ungaro/15min (click on this link) _________________________________________________________
Today my guests are: Rupert Carlyon, fromhttps://www.kourawealth.co.nz/?utm_term=koura%20wealth&utm_campaign=Brand&utm_source=adwords&utm_medium=ppc&hsa_acc=8280808564&hsa_cam=6460343005&hsa_grp=84177337864&hsa_ad=500462822294&hsa_src=g&hsa_tgt=kwd-807896617910&hsa_kw=koura%20wealth&hsa_mt=e&hsa_net=adwords&hsa_ver=3&gclid=CjwKCAjw_L6LBhBbEiwA4c46urIqHhphQLYv3IAaahZAwdIFFEZQmgvEUG0l7U4magcC9cV_9Syj5RoC-HgQAvD_BwE ( koura KiwiSaver) Mark Fowler, from https://www.hobsonwealth.co.nz/ (Hobson Wealth) Just 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, then Finishing up on a few thoughts on interest rates - where to from here?
Congrats to the winner of the $50 KiwiSaver credit, care of https://www.kourawealth.co.nz/?utm_term=koura%20wealth&utm_campaign=Brand&utm_source=adwords&utm_medium=ppc&hsa_acc=8280808564&hsa_cam=6460343005&hsa_grp=84177337864&hsa_ad=500462822294&hsa_src=g&hsa_tgt=kwd-807896617910&hsa_kw=koura%20wealth&hsa_mt=e&hsa_net=adwords&hsa_ver=3&gclid=CjwKCAjwkvWKBhB4EiwA-GHjFiOW7Iz61mnZVHoSsgQNnxg36om3RIDa-B_xynZtRaIBiHQfL7aiuxoCqNgQAvD_BwE (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 https://www.facebook.com/TheNZEverydayInvestor (NZ Everyday Investor Facebook page)
https://www.trustees.co.nz/about-us/our-history/ (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 Counsel DO 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 https://onlinewills.trustees.co.nz/ (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 https://www.facebook.com/TheNZEverydayInvestor (NZ Everyday Investor Facebook page) _____________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6 - Tell your friends! 7 - https://link.chtbl.com/Everyday_Investor (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 https://calendly.com/ungaro/15min (click on this link) _________________________________________________________
Last week I had the pleasure of commenting on this exciting new Bitcoin fund by https://vaultdigitalfunds.com/ (Vault Digital Funds) by Stuff - you can read the article https://www.stuff.co.nz/business/126566058/nzs-first-bitcoinonly-investment-fund-launched (here). Learn more about how to access the Bitcoin only fund on thehttps://investnow.co.nz/fund-vault-digital-funds/ ( Invest Now platform). Check out my latest YouTube video around https://youtu.be/nLgqyQtBHu8 (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6 - Tell your friends! 7 - https://link.chtbl.com/Everyday_Investor (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 https://calendly.com/ungaro/15min (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 outhttps://www.youtube.com/watch?v=Voi-j6FjWtM ( Investing With Tom on YouTube). Congrats to the winner of the $50 KiwiSaver credit, care of https://www.kourawealth.co.nz/?utm_term=koura%20wealth&utm_campaign=Brand&utm_source=adwords&utm_medium=ppc&hsa_acc=8280808564&hsa_cam=6460343005&hsa_grp=84177337864&hsa_ad=500462822294&hsa_src=g&hsa_tgt=kwd-807896617910&hsa_kw=koura%20wealth&hsa_mt=e&hsa_net=adwords&hsa_ver=3&gclid=CjwKCAjwkvWKBhB4EiwA-GHjFiOW7Iz61mnZVHoSsgQNnxg36om3RIDa-B_xynZtRaIBiHQfL7aiuxoCqNgQAvD_BwE (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 https://www.facebook.com/TheNZEverydayInvestor (NZ Everyday Investor Facebook page)
The report mentioned in the show is found https://financialadvice.nz/wp-content/uploads/2020/10/Financial-Advice-NZ-Trust-in-Advice-Double-page.pdf (here). To find a trusted financial adviser in your area, find one https://financialadvice.nz/trusted-adviser-mark/ (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 2 - Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 3 - To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 4- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6 - Tell your friends! 7 - https://link.chtbl.com/Everyday_Investor (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 https://calendly.com/ungaro/15min (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; and meet 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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 ([crypto-friendly]financial adviser), you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link)...
Cat and Christine are the hosts of https://itsnosecret.co.nz/ ( '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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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...
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-did Be 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 about Fee Simple title Cross-lease title Leasehold title, and Unit title
Enjoy! If you're keen to reach out and work with Mason Lockhart, https://www.lockhartlegal.co.nz/ (you can find the details here) As 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. https://youtu.be/AHzA-z8G4XA (Check out this video for more ) ___________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (click on this link) ______________________________________________________________________
Check out https://youtu.be/cOjI3jDpNxo ('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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (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/ (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: https://youtu.be/cOjI3jDpNxo (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (click on this link) ______________________________________________________________________
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%5D (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-hauptfuhrer (https://nzeverydayinvestor.simplecast.com/episodes/the-intelligent-lazy-investor-cole-hauptfuhrer) 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 (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 player 3- Help support the mission of our show on Patreon by contributing here 4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here 6-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 https://nzbusinesspodcast.com/peter-beck-rocket-lab-founder-ceo-interview/ (Peter Beck / NZ Business Podcast.) Research referred to -https://russellinvestments.com/us/resources/financial-professionals/value-of-advisor ( 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 your world in the context of a wider world, that makes all the difference. 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 https://nzeverydayinvestor.simplecast.com/episodes/where-to-from-here (Ep 172 with Sharon Zollner ) Learn more about modern monetary theory and inflation here on https://nzeverydayinvestor.simplecast.com/episodes/inflation-modern-monetary-theory-and-you-148-oliver-hartwich (Ep 148 with Oliver Hartwich. ) If you'd like to understand how the global financial system works, https://youtu.be/K7UyP39o4GU (as explained by Simon Dixon) If you'd like to hear how retail banks create money out of https://youtu.be/asxt3bPN8io ('thin air' by Richard Werner ) 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 https://members.financialadvice.nz/FANZ_Public/Find_an_Advisor/FANZ_Public/AdviserSearch_Frameless.aspx?hkey=53bfc205-c55a-481c-98cb-14e1b3a2aed8 (Financial Advice NZ - Find an Adviser) As 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, https://calendly.com/ungaro/60min (book a time here). ____________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on...
Now as s a warm-up to this show, you may wish to check out what is a https://nzeverydayinvestor.simplecast.com/episodes/stablecoins-in-a-changing-new-world-ep-156 (Stablecoin Ep 156) and what is https://nzeverydayinvestor.simplecast.com/episodes/defi-cbdcs-other-things-mark-pascall (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 https://www.thewellbeingprotocol.org/ (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 https://www.amazon.com/Third-Pillar-Markets-Community-Behind/dp/0525558314 (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (click on
https://www.kourawealth.co.nz/blog/july21-market-update (https://www.kourawealth.co.nz/blog/july21-market-update) What 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 ishttps://high.banqer.co/partners-life ( working together), check out https://high.banqer.co/partners-life ____________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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...
The last time Sharon was on the podcast washttps://nzeverydayinvestor.simplecast.com/episodes/zombies-qe-and-flp-sharon-zollner ( 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 (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (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 access Social responsibility
If you'd like to register for "The Great Debate - Property vs Shares" to be held today at 7pm (the 29thof July 2021), https://www.hatchinvest.nz/property-and-shares (then go here to registe)r.
‘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 platformhttps://investnow.co.nz/ ( 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 https://www.hatchinvest.nz/property-and-shares (register for the Great Debate) Article of interest regarding wholesale investment offers: https://www.goodreturns.co.nz/article/976517918/opinion-wholesale-investor-regime-no-loophole.html (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-forgery (https://www.stuff.co.nz/national/crime/124436977/serious-fraud-office-charges-christchurch-finance-whiz-with-fraud-and-forgery) Custody 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 Robertshttps://nzeverydayinvestor.simplecast.com/episodes/what-is-sharesies ( 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 things. _____________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (Hatch), let's you become a...
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 https://youtu.be/i5bWkSsLmfc (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (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, https://youtu.be/c2Y0uZTOoY4?t=1167 (you can check it out here,) This podcast was recorded on 09/07/21 Update 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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (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 https://www.fma.govt.nz/news-and-resources/media-releases/fma-releases-guide-for-finfluencers/ (here )(Financial Markets Authority) - an important read for the consumer but also for the content producer. Special thanks to Ryan Melton, host of the https://www.ryanjmelton.co.nz/podcast (NZ Guide to Financial Freedom) and NZ Audio Editors. _____________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (click on this link) ______________________________________________________________________
Myth one: You don't have to pay tax on your digital assets - busted Myth two: You pay tax on gains, but cannot offset any losses - busted Myth three: It's too complicated to pay tax on digital assets - busted Giving 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 thehttps://www.ird.govt.nz/cryptoassets ( guidance note) issued by the IRD on this topic I recommend https://www.easycrypto.nz/?ref=19599 (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (click on this link) ______________________________________________________________________
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 https://financialadvice.nz/find-an-adviser/ (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 https://calendly.com/ungaro/15min (click on this link) _____________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (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 mean Rupert Carlyon from kourawealth KiwiSaver is my co-host, along with Tom Botica, from Investing with Tom.
My guest today: Julian McCormack from https://www.platinum.com.au/?gclid=Cj0KCQjwnueFBhChARIsAPu3YkQmJ-6sx0v5E8OwilHEUq2sH42i5EGzkKDDZNoA-OmOQvf84Z-gnYAaAtqzEALw_wcB (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 http://www.platinum.com.au (www.platinum.com.au) _____________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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
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 https://www.hobsonwealth.co.nz/ (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (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 https://www.techemynt.com/ (Techemynt), are my guests today, along with co-host Paul Spain from the https://nztechpodcast.com/ (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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...
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 Monday Got an idea for a news item for Rupert and I to discuss? Email me darcy.ungaro@nzeverydayinvestor.com.**
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: https://financialmarketsauthority.lpages.co/kiwisaver-looksee/ (LookSee campaign) – encourages investors to make sure their KiwiSaver is on track when they receive their annual statement. We will soon relaunch this campaign KiwiSaver retirement projections: https://www.fma.govt.nz/investors/kiwisaverandsuperannuation/case-studies-kiwisaver-retirement-projections/ (Case Studies) https://www.fma.govt.nz/investors/kiwisaverandsuperannuation/kiwisaver-flow/ (What’s Your KiwiSaver Flow?) https://www.fma.govt.nz/news-and-resources/reports-and-papers/compare-kiwisaver-data/ (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse. This link also serves as an invite to the platform.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on...
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 darcy.ungaro@nzeverydayinvestor.com.**
Follow Willy on Twitter: @woonomic I recommend https://www.easycrypto.nz/?ref=19599 (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (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 darcy.ungaro@nzeverydayinvestor.com.
Follow Willy on Twitter: @woonomic I recommend https://www.easycrypto.nz/?ref=19599 (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. #ignorantarrogance So 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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on...
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 https://www.nzinitiative.org.nz/about-us/ (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (click on this link) ______________________________________________________________________
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 https://www.bloomberg.com/quote/0732002D:US (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 https://www.kourawealth.co.nz/?utm_term=koura%20wealth&utm_campaign=Brand&utm_source=adwords&utm_medium=ppc&hsa_acc=8280808564&hsa_cam=6460343005&hsa_grp=84177337864&hsa_ad=500462822294&hsa_src=g&hsa_tgt=kwd-807896617910&hsa_kw=koura%20wealth&hsa_mt=e&hsa_net=adwords&hsa_ver=3&gclid=Cj0KCQjwse-DBhC7ARIsAI8YcWK9VEJbtGBNQj_WEZiYlLS9fpVfHyLZqTNm2U5gFo2ziIqCQWWadV4aAkFUEALw_wcB (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 @Ungarodarcy Thanks for listening in – I hope you have an awesome week _______________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up....
The following episode contains a segment from another podcast, https://www.youtube.com/watch?v=_HeH4Tt0CTo (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 (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (Hatch )has given us a special offer just for you......
Check out the following for more opinion pieces by Darcy Ungaro recently on this topic https://www.nzherald.co.nz/business/darcy-ungaro-cutting-tall-poppies-to-cull-big-bubbles/VBLJLH2DMPPA3LMKK6FJMCI5AM/ (In the Herald) https://youtu.be/E1rSExTRxWM (On The Department of Conversation Podcast) In 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 life Now 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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse by clicking on this link.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure...
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? https://kernelwealth.co.nz/ (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? https://nzeverydayinvestor.simplecast.com/episodes/what-is-core-satellite-investing-dean-anderson-and-catherine-emerson (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse by clicking on this link.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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,...
https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up....
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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up. __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of https://www.kourawealth.co.nz/ (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. https://www.kourawealth.co.nz/ (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse by clicking on this link.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6- 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 https://calendly.com/ungaro/15min (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’ - https://sorted.org.nz/ (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- https://www.joinclubhouse.com/join/nz-everyday-investor/CwTBtq9z (Follow the NZ Everyday Investor on Clubhouse by clicking on this link.) 2- Write a review on https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 6-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 https://calendly.com/ungaro/15min (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. https://simplicity.kiwi/simplicity-first-home-loans/ (Through Simplicity you may also qualify with them for a mortgag)e 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 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 https://calendly.com/ungaro/15min (click on this link) _____________________________________________________________________________
—————— A recent https://www.bloomberg.com/news/articles/2021-01-25/goldman-team-sees-unsustainable-excess-in-parts-of-u-s-market (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your...
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, https://ungaro.co.nz/initial-consultation-mortgages/ (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 it Given 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 you’re going to be positioned on the right side of a very good trade. It’s not fair that you’re in this position, but I...
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 outhttps://www.youtube.com/watch?v=mlVH3SX6xCc ( this video from Brent Osachoff) ________________________________________________________________ The NZ Everyday Investor is brought to you in partnership with...
Where to buy Bitcoin? I recommend https://www.easycrypto.nz/?ref=19599 (Easy Crypto )for any Crypto buyer. If you're ready to get into Bitcoin, make a start here by https://www.easycrypto.nz/?ref=19599 (setting up an account) with https://www.easycrypto.nz/?ref=19599 (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 https://www.easycrypto.nz/?ref=19599 (Easy Crypto )for any Crypto buyer. If you're ready to get into Bitcoin, make a start here by https://www.easycrypto.nz/?ref=19599 (setting up an account) with https://www.easycrypto.nz/?ref=19599 (Easy Crypto). ________________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up. __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of https://www.kourawealth.co.nz/ (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. https://www.kourawealth.co.nz/ (Give them a try) and see what your ideal KiwiSaver asset allocation looks like for you....
Author, economist, investment banker and lawyer, Jim Rickards is my special guest today Investing in a post-pandemic world – that’s our topic. I’ve arranged to chat with Jim as he wrote a new book recently: https://www.amazon.com/New-Great-Depression-Winners-Post-Pandemic/dp/0593330277 (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up. __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of https://www.kourawealth.co.nz/ (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. https://www.kourawealth.co.nz/ (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to provide...
Resources: Where to buy Bitcoin? I recommend https://www.easycrypto.nz/?ref=19599 (Easy Crypto )for any Crypto buyer. If you're ready to get into Bitcoin, make a start here by https://www.easycrypto.nz/?ref=19599 (setting up an account) with https://www.easycrypto.nz/?ref=19599 (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up. __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of https://www.kourawealth.co.nz/ (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. https://www.kourawealth.co.nz/ (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...
Oliver Hartwich is my guest from the NZ Initiative, a pro-free-market public-policy https://en.wikipedia.org/wiki/Think_tank (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, https://www.nzinitiative.org.nz/ (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-blog https://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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up. __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of https://www.kourawealth.co.nz/ (kōura). Most people fixate on just fees or...
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 mix As 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 taking
What 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, but not always, you have to be an accredited/wholesale investor with experience or larger amounts of wealth already, to purchase shares – usually $50k is an amount you would need to simply to start with. 2 – You need even higher levels of funds to...
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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up. __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of https://www.kourawealth.co.nz/ (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. https://www.kourawealth.co.nz/ (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 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 2021 Jenée 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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up. __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of https://www.kourawealth.co.nz/ (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. https://www.kourawealth.co.nz/ (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...
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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up. __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of https://www.kourawealth.co.nz/ (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. https://www.kourawealth.co.nz/ (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 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 https://calendly.com/ungaro/15min (click on this link)
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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up. __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of https://www.kourawealth.co.nz/ (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. https://www.kourawealth.co.nz/ (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 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 Adviser How to fill out an application form Does 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, https://financialadvice.nz/find-an-adviser/ (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-giveaway (https://www.hatchinvest.nz/nz-everyday-investor-giveaway) Terms and conditions: https://www.hatchinvest.nz/nz-everyday-investor-ts-and-cs (https://www.hatchinvest.nz/nz-everyday-investor-ts-and-cs) Just 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 https://www.kourawealth.co.nz/ (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. https://www.kourawealth.co.nz/ (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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...
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 Zealand
This 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 criminal stuff and you can’t stop them, but most people will listen to the law and most people will obey,” concludes Caradus. Two years later and the amendments
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 https://www.podcasts.nz/retail-investor-mania/ (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 https://www.nytimes.com/2020/07/08/technology/robinhood-risky-trading.html (widespread criticism) for using nudge theory — the idea of encouraging behaviors through clever pushes that https://www.podcasts.nz/nudging-towards-wealth-ravi-dutta-powell/ (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 Natalie Hatch 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 education On 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 investing One 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 dropped and it’s the first time you’ve thought about it, you’re not setting yourself up for success,” said Kristen. ___________________________________________________________________...
Neglecting financial advice can cost you a fortune in retirement; FSC study Kōura’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 . https://www.fsc.org.nz/site/fsc1/Money%20And%20You%20-%20Financial%20Services%20Council%20-%20June%202020%20v1.0.pdf (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 https://www.westpac.co.nz/who-we-are/newsroom/media-releases-2020/17-september-2020/ (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, they’ll feel like they need someone to call,” said Carlyon. Digital financial advice is still in its very early stages in New Zealand, with only a handful of FMA...
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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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...
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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up. __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of https://www.kourawealth.co.nz/ (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. https://www.kourawealth.co.nz/ (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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...
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 https://en.wikipedia.org/wiki/Double-spending (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 https://www.coindesk.com/imf-world-bank-g7-countries-to-create-central-bank-digital-currency-rules (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: http://TheDAO.Agency (TheDAO.Agency) Phone/Whatsapp: (+64) 21 223 7132 Telegram: @mark_pascall https://www.linkedin.com/in/markpascall/ (Linkedin) Keen to learn more about how you can purchase crypto? Check out https://nzeverydayinvestor.simplecast.com/episodes/bitcoin-the-moment-of-truth-janine-grainger (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 https://www.easycrypto.nz/?ref=19599 (setting up an account) with https://www.easycrypto.nz/?ref=19599 (Easy Crypto). _________________________________________________________________ The NZ Everyday Investor is brought to you in partnership with...
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 https://nzeverydayinvestor.simplecast.com/episodes/bitcoin-the-moment-of-truth-janine-grainger (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 https://www.easycrypto.nz/?ref=19599 (setting up an account) with https://www.easycrypto.nz/?ref=19599 (Easy Crypto). _________________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor...
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 parties Populism, 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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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...
Putting Government on a diet & the case for a simplified tax system Is 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: https://www.econlib.org/library/Essays/hykKnw.html (https://www.econlib.org/library/Essays/hykKnw.html) _________________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (Hatch), let's you become a shareholder in the world's biggest companies and funds. We're...
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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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...
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 hurt To quote Cole himself, "Investing's hardest actions are to research, buy, and hold.” This is surely the mantra of any intelligent, yet lazy investor Check 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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to grab your top up. __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of https://www.kourawealth.co.nz/ (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. https://www.kourawealth.co.nz/ (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase
Neo Banks for the Neo World In 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. https://www.86400.com.au/ (Click here for more information on 86:400) _________________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (https://hatch.as/NZEverydayInvestor) to
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 darcy.ungaro@nzeverydayinvestor.com to get your copy. https://www.lifetimeincome.co.nz/ (https://www.lifetimeincome.co.nz/) http://enrichretirement.com/ (http://enrichretirement.com/)
_________________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday...
Hamesh Sharma is a Portfolio Manager at https://www.path.co.nz/ (Pathfinder Asset Management) Hoodies, 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’https://twitter.com/stoolpresidente/status/1296910690930896896 ( 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://www.path.co.nz/) https://caresaver.co.nz/ (https://caresaver.co.nz/) https://twitter.com/stoolpresidente/status/1245418233487921153?lang=en (Davey Day Trader) _________________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (Hatch), let's you become a shareholder
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 https://www.forbes.com/sites/emilylambert/2011/03/17/all-the-cool-kids-are-night-trading/#4ea402d74f6a (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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to...
In today’s show we’re covering https://www.behavioraleconomics.com/resources/mini-encyclopedia-of-be/nudge/ (Nudge economics) http://www.shlomobenartzi.com/save-more-tomorrow (Save More Tomorrow ) https://www.behavioraleconomics.com/resources/introduction-behavioral-economics/ (Behavioural economics) and its applications in personal finance There'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/ (https://www.bi.team/) To watch Richard Thaler present to the Chicago School of Economics, https://www.youtube.com/watch?v=A1M9VSgsSW4 (then watch this). ______________________________________________________________________________ The NZ Everyday Investor is brought to you in partnership with https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to provide guidance around your specific goals and objectives....
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 https://hatch.as/NZEverydayInvestor (Hatch). https://hatch.as/NZEverydayInvestor (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, https://hatch.as/NZEverydayInvestor (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 https://hatch.as/NZEverydayInvestor (Hatch )account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to...
In this unique episode, the tables have turned and the host is now the interviewee. Reece Reilly hosts a podcast and Youtube channel called https://www.youtube.com/channel/UC9jtZN92eGHA9Hxh-jYGqBw (KiwiTalkz) In 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to provide guidance around your specific goals and objectives. _____________________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can...
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 Roux This 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 Clark Steve 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/ (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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to provide guidance around your specific goals and objectives. _____________________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link)...
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 on Another 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 required here. Not only will reverse mortgage likely become a little more mainstream for retirees –I can see how in some cases, older parents could assist their children with deposits, to purchase their...
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: https://nzeverydayinvestor.simplecast.com/episodes/wealth-building-when-youre-self-employed-live (Wealth -building when you're self-employed) https://nzeverydayinvestor.simplecast.com/episodes/e6d1ac35 (Financial exclusion and the independent earner) Mainstream 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 job Starting at the end Paying yourself first The magical power of giving and receiving Good debt vs bad debt The magical power of words Good buffers, bad buffers, and other peoples' buffers Being accountable Getting 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to provide guidance around your specific goals and objectives. _____________________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) https://www.facebook.com/UFinServ/?ref=bookmarks (Facebook) https://www.instagram.com/ungaro.co.nz/ (Instagram) Lastly, you can also https://ungaro.co.nz/nzeverydayinvestor/ (subscribe to our newsletter) to ensure you are receiving the latest updates.
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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to provide guidance around your specific goals and objectives. _____________________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) https://www.facebook.com/UFinServ/?ref=bookmarks (Facebook) https://www.instagram.com/ungaro.co.nz/ (Instagram) Lastly, you can also https://ungaro.co.nz/nzeverydayinvestor/ (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 fromhttps://www.mintasset.co.nz/ ( Mint Asset Mnagement) The 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 show https://www.playitstrange.org.nz/ (https://www.playitstrange.org.nz/) https://www.planetaudio.org.nz/friends-to-the-enz (https://www.planetaudio.org.nz/friends-to-the-enz) https://www.amazon.com/Richest-Man-Babylon-George-Clason/dp/1939438551/ref=pd_lpo_14_t_0/139-2015074-3499938?_encoding=UTF8&pd_rd_i=1939438551&pd_rd_r=7843388e-5bd7-46f7-b5ef-c18487c0b23c&pd_rd_w=MO2eV&pd_rd_wg=LJupf&pf_rd_p=7b36d496-f366-4631-94d3-61b87b52511b&pf_rd_r=QG078XFGWA6JXN5995TX&psc=1&refRID=QG078XFGWA6JXN5995TX (The 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to provide guidance around your specific goals and objectives. _____________________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/...
https://blog.andrewduncan.co.nz/ (Andrew Duncan), real estate adviser and blogger, joins me on this episode to discuss everything you need to know BEFORE you decide to BUY your next home. Like watching your kids move out - you wonder if they'll get a little beaten up in the process of finding their feet: You have lots of advice, but you bite your tongue. Real estate agents, mortgage brokers, banks, builders, friends, facebook groups and of course, your parents solicitor, are the typical voices in your head during this time. They all come from different backgrounds and all offer something in terms of guidance and perspective, but often these voices can be contradictory at best - at worse they can be downright misleading too! So you've already purchased a home before - fancy yourself as a bit of an expert? Take one change in one of the many bits of legislation, or just one change in lending criteria, combined with a dynamic property market - and you have the makings of a process that will teach even the most experienced home-buyer a lesson. In this podcast episode, which is part two of a short series around this topic, we cover things like: How to identify your next home Getting realistic around price...and fast. Can you trust real estate agents? Is it buy at auction, by tender, or by negotiation? Who's better to deal with - the listing agent, or the selling agent? Call it low and watch it grow - how to really know what an auction property is going to sell for. Preparing for the day of auction - what's the best strategy to use? What's the difference between using a mortgage adviser vs going to the bank directly? Please note that all comments made in relation to any professional adviser who may help you during the home-buying process should be considered general remarks only. Please consider the team you place around you carefully. Before you embark on the home-buying journey, it's a wise move to have an initial discussion with a mortgage adviser to get a home-buying-strategy arranged. ____________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to provide guidance around your specific goals and objectives. __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) You really should https://ungaro.co.nz/nzeverydayinvestor/ (subscribe to our newsletter) to ensure you are receiving the latest updates if you're a fan of the show. https://www.facebook.com/UFinServ/?ref=bookmarks (Facebook) https://www.instagram.com/ungaro.co.nz/ (Instagram)
https://blog.andrewduncan.co.nz/ (Andrew Duncan), real estate adviser and blogger, joins me on this episode to discuss everything you need to know BEFORE you decide to sell your home. Even if you don't hold investment properties that may need to be sold at some stage, you may need to sell your home. Your bank, your friends, your lawyer, and your real estate agent have the combined knowledge you need to understand how the process of selling works from your perspective. In this, rather candid episode, you're going to here every step involved in selling your home, but not in a 'tips and tricks' format - this really is an insiders guide to selling. In this episode we'll cover questions like: How to choose a real estate agent (or do you even need one!?) Is it best to auction, list by tender, or by negotiation? Are agents who are 'team players' better than the 'superstars'? Knee-capping - what is this and when should you watch out for it? Investing in a marketing campaign What is 'Buying a listing'? Preparing for the auction I hope you enjoy this episode, which part 1 of 2 in this practical property series. ____________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to provide guidance around your specific goals and objectives. __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) You really should https://ungaro.co.nz/nzeverydayinvestor/ (subscribe to our newsletter) to ensure you are receiving the latest updates if you're a fan of the show. https://www.facebook.com/UFinServ/?ref=bookmarks (Facebook) https://www.instagram.com/ungaro.co.nz/ (Instagram)
To learn more about bonds from the FMA's perspective - https://www.fma.govt.nz/investors/ways-to-invest/bonds/ (click on this link) Check out this https://sorted.org.nz/guides/saving-and-investing/bonds/ (info here from Sorted) around bonds also So, what are bonds? Aka ‘Fixed interest’ – are one of the 4 main asset classes that the everyday investor will typically participate in: Cash, property and shares being the other three. With many KiwiSaver funds, you’ll already be invested in bonds through your fund manager – but what are these funny little things anyway, and what role do they play in generating long term returns? In a well constructed portfolio, or set of investments comprising of the four main asset classes (cash, fixed interest (bonds), property, and shares), bonds can help provide diversification in that they move in somewhat of an opposite direction to shares. During seasons when shares may decrease, the value of bonds may increase. The more bonds you hold in your portfolio, the more muted your returns are in good times, but in volatile times, bonds can cushion the blow somewhat. My special guest today is https://rutherfordrede.co.nz/ (Richard Knight), an authorised financial adviser with Rutherford Rede based here in Auckland New Zealand . As with everything covered in these shows, there’s an element of risk associated with holding any asset. Specifically that what you invest in may not yield a positive outcome – with bonds this could be in the form of higher than expected inflation, credit risk, or unexpected changes in interest rates. It’s important to do your own due diligence and engage the services of an AFA to help with designing your own investment portfolio. ____________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to provide guidance around your specific goals and objectives. __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) You really should https://ungaro.co.nz/nzeverydayinvestor/ (subscribe to our newsletter) to ensure you are receiving the latest updates if you're a fan of the show. https://www.facebook.com/UFinServ/?ref=bookmarks (Facebook) https://www.instagram.com/ungaro.co.nz/ (Instagram)
A is for Alternative B is for Bitcoin C is for Continual professional development D is for Diversification E is for Economy…stupid F is for Financial advice G is for Gold H is for Home work I is for investing J is for ‘jazzed’ K is for knowledge L is for leverage M is for monetary policy N is for new O is for opportunity P is for property Q is for quantitative easing R is for risk S is for safety T is for timing U is for ubiquitous V is for volatility X, Y, and Z – those are just letters _____________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to provide guidance around your specific goals and objectives. __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) You really should https://ungaro.co.nz/nzeverydayinvestor/ (subscribe to our newsletter) to ensure you are receiving the latest updates if you're a fan of the show. https://www.facebook.com/UFinServ/?ref=bookmarks (Facebook) https://www.instagram.com/ungaro.co.nz/ (Instagram)
What is “Core Satellite” Investing? I have two special guests in todays episode - Dean Anderson CEO, and co-founder of online investment platform Kernel, and Catherine Emerson, also with Kernel who is a former financial adviser. If you’ve already started your investing journey, or you’re about to, you may want to consider the following: How much risk do you want to take? How much energy and focus do you want to put into this endeavor? Are you passionate about investing? What are some of the events (that you know about) on your own horizon? Why are you event investing – who or what, are you accountable to?
A Core-Satellite approach to investing isn’t yet another thing you have to choose to embrace or not – it’s simply a methodology financial adviser use (and you can too!) to construct an investment portfolio. What’s an investment portfolio? It’s just a way of describing a bunch of investments you may hold across some different classes – cash, fixed interest, property,and shares being the main ones). What’s the intent of Core-Satellite? Minimize costs. Maximize tax efficiencies Reduce volatility (or big changes in price relative to the average) Outperform the broader stock market. You’ve heard on the show previously that unless you have an edge, you’ll get the average – well, the Core-Satellite approach allows there to be an edge, yet still ensures you are eligible for the lions share of the average too. Essential reading for this episode: https://kernelwealth.co.nz/how-does-an-index-fund-work/ (How does an index fund work?) (We discussed how index funds could form part of your ‘Core’) https://kernelwealth.co.nz/picking-stocks/ (How to pick stocks?) (We discussed how direct share ownership could form part of your ‘Satellites’) _____________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 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 an authorised financial adviser to provide guidance around your specific goals and objectives. __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) You really should https://ungaro.co.nz/nzeverydayinvestor/ (subscribe to our newsletter) to ensure you are receiving the latest updates if you're a fan of the show. https://www.facebook.com/UFinServ/?ref=bookmarks (Facebook) https://www.instagram.com/ungaro.co.nz/ (Instagram)
If we knew, that just like with the great depression, there was to be far more pain to come in equity markets, then I'm pretty sure you'd hear a lot of the experts saying you should get out right? Perhaps, perhaps not - the point though at the time of recording, is that it seems like the market has corrected, and it's more or less back on track. Is it plain sailing from here or is it going to get far, far worse. In today's episode, were going to talk about what we all 'should' do when we see market volatility. I wanted to share some 5 quick facts about KiwiSaver in addition to today's recording: 1- Just because KiwiSaver came out of a government initiative, doesn’t mean the government will guarantee the performance of your fund, or it’s safety. The strength of your funds performance comes down to who’s managing it not the government. Could the government confiscate your money? Nope – not under current legislation, and if that happened, I’d suggest they’d be coming for your property too at that stage – heck, we’d all have much bigger concerns then 2 - It’s really hard to get your money out of KiwiSaver if you’re going through a tough time I’ve observed. I mention that as I know some of you may be struggling right now. I’ve put out a whole episode on https://nzeverydayinvestor.simplecast.com/episodes/financial-prepping-darcy-ungaro (‘financial prepping’) on episode 91 - that you may want to listen to if that’s you. If you’ve lost your job, you’ve already taken a mortgage holiday, you’ve used up your savings and you’re living day to day with no prospects, then yes, they may approve a hardship withdrawal application (not your KiwiSaver provider but the funds supervisor), but don’t count on it as your first line of defence. 3 - The KiwiSaver fund managers ‘style’, is really important – I’m talking about passive vs active management style – something we’ve covered a few times with Sam Stubbs, from Simplicity, and Mike Taylor, from PIE funds and Juno If you’re with an active fund manager, some questions to ask of them would be this: How are the funds invested? How many changes are made to your investment mix between cash/fixed interest, property and shares? How does that fund manager actually arrive at the decisions that it makes? How have they reacted to the market movements we’ve seen in the last 12 months– have they simply tracked an index, or have they successfully allocated to cash at key times, then reinvested later on? I think during these times of volatility it really puts the acid test on these active managers – not only should they be outperforming the index when times are good, but presumably they’ll be limiting losses on the way down – so if you’ve been in the camp of individuals who have changed fund types in the last few months. An active manager should give you an extra level of confidence that you don’t have to do this – in theory they’re doing some of it for you. 4 - Your fund manager cannot steal your money! This is mostly understood by you I suspect, but if you’re like me, you may like a bit more details on how they can’t steal your funds. So enter the custodian, let’s say it’s the Public Trust as an example. They ultimately holds your funds. The fund manager makes the decisions on where the funds get invested, but ultimately the money is held on your behalf by a custodian. So let’s say you have an absolute shocker and you choose a fund manager who goes bust – don’t worry, because your money isn’t actually sitting with them – it’s held on your behalf with the custodian, and it would simply be transferred over to another fund manager of your choice. 5 - It’s important you consider not just your fund type (ie conservative balanced or growth), but its essential to consider carefully the fund manager. Are you with a scheme which is simply an additional revenue source for a larger organisation, or are they devoted exclusively to funds management? Are the individuals who make the financial decisions on your
This week I’m talking with Vitaliy Kastanelson, money manager, writer at contrarian edge and host of the investment podcast investor.fm. I’ve come across Vitaliy on the Real Vision YouTube Chanel, and the InvestED podcast and I’m asking the question today – “What is value investing?” The value investing framework is very useful in determining some rules you could follow to help inform your buying decisions. https://www.investopedia.com/terms/v/valueinvesting.asp (https://www.investopedia.com/terms/v/valueinvesting.asp) So What Is Value Investing? Value investing is an investment strategy that involves picking shares that appear to be trading for less than their https://www.investopedia.com/terms/i/intrinsicvalue.asp (intrinsic) or book value. Value investors don’t believe in the efficient market hypothesis, that the share price takes into account all known information – they believe the market overreacts to good and bad news. This over-reaction brought on by investor sentiment means that every now and then, you can pick up shares for below their intrinsic value. If you want to know a bit more about value investing principles by the way, check out https://www.youtube.com/channel/UCG9FGwgAx9-RKq1smF1lc8w (‘investing with tom’) on Youtube – I highly recommend Toms videos as he’s a Kiwi, and he’s got a really good approach to breaking down this concept well. I like the golden rule for value investing that Jhttps://nzeverydayinvestor.simplecast.com/episodes/investing-in-a-bubble-julian-mccormack (ulian McCormack) shared with me recently on episode 88: ‘Just shut up and buy cheap stocks’. But , good news for the everyday investor – You don’t have to be a brilliant analyst or be super smart to be a value investor, but it’s best if you follow a few simple rules they all seem to live by, specifically:: Practice patience. This means – don’t be afraid of doing research on a company then saying no Don’t follow the herd, and don’t be afraid to be contrarian. In today’s episode we discuss why Vitaliy purchased Uber but not Tesla recently. Don’t just buy the market – value investors will generally only invest in a handful of companies that they know well – if they are successful in this effort, they aim to get a return that’s above the market. Try to understand the business and think like a business owner, not just as an investor. This isn’t a game you’re trying to win, this is about partnering with successful pre-existing businesses. Buy with a margin of safety. The idea here is you purchase when the share price is at a set level, say 50-70% of what the intrinsic value is for the shares. This margin of safety can cover a multitude of sins (poor research, external events, negative investor sentiment etc).
Vitaliy Kastanelson is an interesting guy and has a super interesting background. Steeped in the realities of socialism growing up in soviet Russia, I think it gives him a unique perspective on current events. We’ve tasted in NZ, some of the fruits of socialism in a way recently, as we’ve been in level 4 lockdown here. Many have received government assistance via the wage subsidy, and many have welcomed the idea of trading our freedom for the greater good (in this case, to eliminate a virus). We’ve allowed the government to decide who can go to school, who can go to work, which businesses must die, and which are deemed essential. We’ve cheered a bit when those ‘trouble-makers’ who defiantly flouted the lockdown rules, were brought to justice. What do you think of this? In another podcast I was listening to, and I’ll pop the link into the show notes for you, I heard Vitaliy talk about his life growing up in soviet Russia – if that’s of interest to you check it out: https://www.ruleoneinvesting.com/blog/podcast/235-vitaliy-katsenelson-part-1/ (https://www.ruleoneinvesting.com/blog/podcast/235-vitaliy-katsenelson-part-1/) _________________________________________ Like what you’ve heard? You can really help with the...
Okay, so let’s break it down into a battle for good and evil – there are equal and opposing forces at play in the property market currently – a cosmic battle is being fought right now, and as the future is not yet written, let’s peer into what could be coming down the pipeline soon. Forces for evil: Airbnb stock ‘flooding the market’ Airbnb properties will be converted into longer rental properties, thus driving down rental yields across the board. Is there truth to this or is there more to it? Less seasonal workers and international students. If there’s less people who desire short term accommodation, this force could drive down demand for rental stock and by default, hit yields and inevitable property prices. Rising unemployment levels. If there are more people not able to pay market rent, could this drive down rent and therefore the value of property also? Supply-side. What impact will there be on the new supply that’s been building and only hitting the market now – will property developers be dumping stock into a [newly] over-supplied market? Sources of deposit coming under pressure. Bank of mum and Dad more likely to withhold cash that would have otherwise be given to kids as their deposit to purchase their first home. KiwiSaver balances may decrease. Lenders applying more conservatism. Although counter-intuitive, lenders conservatism may exacerbate an already difficult lending environment. Regulation has, since 2013 especially, acted as a limitor to what banks would do. These limits may be falling away now, but underneath this, ‘those with the gold make the rules’, and they’re understandably a bit nervy right now. Forces for good: Lower interest rates will increase property prices. https://www.aier.org/article/cantillon-effects-and-money-neutrality/ (See the Cantillon effect). Everyday investors are at a fork in the road – taking ground now at early stages could be wise to position for the inevitable increases in asset prices that eventuate when interest rates decrease. https://en.wikipedia.org/wiki/Austrian_School (See Austrian economics). Initially, supply (current pipeline) of housing stock to hit the market at the wrong time, potentially causing a sharp dip in market prices (??). Then, presumably, some developers cease or pause activity, causing a medium to long term lack of new supply. Less new stock, could assist the market in reaching equilibrium or even over-shooting. NZ as ‘safe-haven’. NZ has already had this reputation and this is set to pick up even more – those (wealthier individuals) with the means to do so, will move here and this will inevitably cause upward pressure on demand (medium to long term view). More ex-pats coming back to NZ will no doubt come from this also. NZ is a small container, and is quite sensitive to changes in demand, due to constrained supply. Changing RBNZ policy around LVR regulations (tbc). This may increase the amount of first home buyers, which provide another floor of support to housing stock that may be provided by nervous, small-time, property investors who panic. If investors are also now able to access higher levels of funding to purchase further properties, more demand puts pressure on prices further (for those investors who are in a position to act, actually do act). https://www.opespartners.co.nz/ (https://www.opespartners.co.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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ...
Janine Grainger, the co-founder of online crypto-retailer, Easy Crypto, is my special guest today. If you'd like to set up an account (I did - literally took me 4 mins 34 sec!)... https://www.easycrypto.nz/?ref=19599 (Go here to set up an Easy Crypto account). We'll get a very small slice of the action which could be a great way for you to support this podcast. Last week, I shared a quote from Jerry Garcia (The Grateful Dead) "Stuff that's hidden and murky and ambiguous is scary because you don't know what it does." Bitcoin is one of those hidden, murky and sometimes ambiguous things - it can be harder to understand than say, KiwiSaver by contrast. For some of us, it's certainly more complicated than owning property or having a term deposit. Just because there's much to it that's unknown though (and I put this down more to a UX problem to solve more than anything else), it doesn't make it wrong. In fact, I'd like to go on the record here for what it's worth - If you're reading this, it's possibly one of the best times to get into Bitcoin right now. In this episode you'll learn a bit more why I believe this is the case. Now, if your sitting on the fence still because this still feels a bit scary, can I encourage you to part with $50 as a first attempt? If you can afford to lose $50, then consider it an investment in education. Yes, there's a bit to learn, but you're knowledge will come partly by doing, so make a start today by https://www.easycrypto.nz/?ref=19599 (setting up an account) with https://www.easycrypto.nz/?ref=19599 (Easy Crypto). As Janine mentioned in the show, here’s 3 things to keep in mind, when investing in Bitcoin, especially if it’s your first time. Do your research. There’s no shortage of places to go to learn stuff. This podcast is great to a certain extent, but check out ‘The Crypto Conversation’, a great NZ-based podcast also. If it’s questions around how to ‘be your own bank’, lean on the retailer you’ve used to purchase your assets also. The more you invest into Bitcoin, relative your wealth, the more seriously you should understand how it all works. Remember you never need to send Bitcoin anywhere to get your Bitcoin. Many of the scams out there ask for some of your Bitcoin, in order to release the Bitcoin that’s already yours – once you have it, you have it, and you don’t ever need to pay to get to it. Manage your Bitcoin yourself. If you’re cold-called by a Bitcoin broker offering you their services, don’t blindly trust them! Ideally, don't leave your Bitcoin on a 'hot-wallet' (aka online) either (especially if you have a decent amount of it). Learn a bit on how to use 'cold-storage' options like the https://trezor.io/ (Trezor )wallet. I'm always happy to chat also - as I think any authorised financial adviser should be, about whether or not investing in crypto-assets is right 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- To catch the live episodes, please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube): 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) You really should https://ungaro.co.nz/nzeverydayinvestor/...
The title of today's episode is inspired by The https://youtu.be/qaQ8r-SwR2c (Grateful Dead) - such a good band. Their songs always have so much ambiguous meaning behind them that can often be applied to range of topics. In this case, I've liberally ascribed some meaning to 'Truckin'. "Truckin', got my chips cashed inKeep truckin', like the do-dah manTogether, more or less in lineJust keep truckin' on" As investors, we should be retaining a cash balance at times - to weather a storm, take advantage of opportunities, or just staying the course. Stay the course - don't freak out just because the weather's gone all nasty on us...this too shall pass. "Sometimes the light's all shinin' on meOther times, I can barely seeLately, it occurs to meWhat a long, strange trip it's been" We'll never know how long and how strange this trip has been, until it's over, and we've past through the latest tunnel we're heading through. It's really hard to see this now, but some of us will actually have a tough time recalling some aspects of this lock-down period. For others though, the lock-down period brought on by this recent pandemic will act as a milestone in our minds, partitioning all events as 'pre' and 'post' Covid-19. Some businesses and some long term trends, will die - some will thrive. This potpourri of emotions - fear, mourning, peace, resignation, hope and greed. It'll all be mashed up into a cold contemporaneous soup and dished out indiscriminately to all of us. "Sittin' and starin' out of the hotel window" Strong leadership emerges over time from those who have gone through tough times before - it's way too soon to praise, or to judge, our leadership through this pandemic though - we don't have enough information. Sitting and staring outside the window does amazing things for us though - it's a pre-requisite condition for creativity. Solutions to problems (innovation) is born during these times. When we're set free, I'm wondering what will happen in the start-up community, the first time investors, the first time home-owners - will they be able to hang on or will they hang up the boots in fear and run when they get a chance? In this episode, Jarrod Kerr (Chief Economist at KiwiBank) and I explore the following topics: 1 - Business confidence is down, and it's still dropping. Much of the pain is yet to come. 2 - Is the damage caused by the lockdown (economic, social, mental heath) worth it? 3 - What are some 'silver lining' moments? Specifically what trends and what businesses are poised for success? 4 - The best response to the current pandemic is fiscal, not monetary - what does this mean? This episode is an essential one. The Covid-19 pandemic will act as a catalyst to bring about significant change in the new world - we will never invest the same beyond this point...and that's not a bad thing. Just because what we're heading into is 'unknown', it doesn't have to be scary. I'll leave you with this quote from Jerry Garcia: "Stuff that's hidden and murky and ambiguous is scary because you don't know what it does." - Jerry Garcia (The Grateful Dead) _________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule...
Fraud educator with CFFC, Bronwyn Groot, was my special guest for the latest episode – we’re talking about scams. In the current environment, with all the fear, boredom, and internet access associated with the current pandemic, we need to be on guard more than ever in this area of scams. People don’t intentionally want to get sucked into scams. Instead, we all like to believe people we deal with are honest and upright like them. While I’d hate people to increase their distrust of everyone, in some cases we need to raise our guard a little bit, especially at the moment. So who falls for scams – the simple-minded or the sophisticated? Statistically, if you’re a bit older, you have access to funds, and you’re a male who’s been self-employed in the past, you may be at greater risk than most. A good scammer will be good at building rapport – they’re smart and they’ve likely anticipated every question you may want to ask. You may even find it hard to discern the validity of their website too. If you’re trying to target opportunities in light of current events, for the most part, there’s wisdom in ‘staying in mainstream lanes’. Unless you’re comfortable with alternative investments and you’ve already engaged with them, going off-road with investing could carry much higher risks at the moment than normal. Some common ways you may could be scammed: Romance scams FX trading scams Fake share offers along with fake recover agents Bitcoin scams
Some tips to keep safe while investing: Get advice! You may be smart but don’t be afraid to reach out to an authorised financial adviser to run things past. Check out the International Organization of Securities Commission https://www.iosco.org/ (https://www.iosco.org/) If a Nigerian prince or someone unusual contacts you, don’t engage them (https://youtu.be/C4Uc-cztsJo (unless you’re a comedian)) If you get a cold-call around an investment opportunity – be aware this is a huge red flag, as this is illegal in NZ Check with the https://www.fma.govt.nz/news-and-resources/warnings-and-alerts/ (FMA for any warnings) and also look on the https://fsp-register.companiesoffice.govt.nz/ (FSPR website) to see if they are a registered financial services provider in NZ
For more info on frauds and scams, check out the https://cffc.govt.nz/building-wealthy-lives/frauds-and-scams/ (Commission for Financial Capability) here. __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) You really should https://ungaro.co.nz/nzeverydayinvestor/ (subscribe to our newsletter) to ensure you are receiving the latest updates if you're a fan of the show. https://www.facebook.com/UFinServ/?ref=bookmarks (Facebook) https://www.instagram.com/ungaro.co.nz/ (Instagram) Increasingly we are publishing more content on YouTube also - please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube):
In this episode I'm sharing some practical things you can do to make a plan to get through, complete with some actions you can take around KiwiSaver, your insurance plan, and your mortgage. For help with Working for Families requests: Working for Families https://www.ird.govt.nz/topics/working-for-families/can-i-get-working-for-families (Eligibility) https://myir.ird.govt.nz/eservices/home/_/ (Calculators) Getting started For help in 'pausing' your contributions towards KiwiSaver, https://www.kiwisaver.govt.nz/already/change-contrib/savings-suspension/ (please visit this link) If you would like to schedule in a free 15 min chat with me, an Authorised Financial Adviser, around mortgage holidays in particular, https://calendly.com/ungaro/15min (click on this link) _________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) You really should https://ungaro.co.nz/nzeverydayinvestor/ (subscribe to our newsletter) to ensure you are receiving the latest updates if you're a fan of the show. https://www.facebook.com/UFinServ/?ref=bookmarks (Facebook) https://www.instagram.com/ungaro.co.nz/ (Instagram) Increasingly we are publishing more content on YouTube also - please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube):
"This time it's different" - yes and no. It's different yes, but we've actually been here before. The rate of return you get, over and above a term deposit, is your reward for enduring times such as this. We are in the midst of some intense market movements and it can appear quite scary at the moment. The storm WILL pass at some stage, but it pays to understand how markets will withstand what's about to hit. This time around the regulators are well prepared to use some tools faster than they did back in 2008 with the GFC. It's going to be messy make no mistake and in a sense, we are at war. Our economy and our leaders are leading us to battle and our weapons are loaded. Join Chris and I as we discuss short and medium term implications for investors and mortgage borrowers in light of Covid-19. __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) You really should https://ungaro.co.nz/nzeverydayinvestor/ (subscribe to our newsletter) to ensure you are receiving the latest updates if you're a fan of the show. https://www.facebook.com/UFinServ/?ref=bookmarks (Facebook) https://www.instagram.com/ungaro.co.nz/ (Instagram) Increasingly we are publishing more content on YouTube also - please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube):
Sabby, a self-employed IT contractor in the airline industry, met with me recently to discuss his questions and concerns around the Covid-19 pandemic. Sabby, like many everyday Kiwi's, owns a property and has one or two extra in order to plan for retirement. With what's happening now and no income likely for 1-3 years, he's concerned he may need to sell his crown jewel (an investment property) at a bad time, to reduce his debt. After our meeting Sabby agreed to be mic'd up for your benefit so you can hopefully see how an everyday person has made some difficult decisions in light of this pandemic. Everyone has a unique situation and the strategy we've landed on for Sabby may not be right for you. What I'm hoping you do get out of this though, is an insight into how having a calm and rational discussion with your partner (ideally aided by an adviser), can help you land on the best decision in light of uncertain times. For more background on https://ungaro.co.nz/common-covid-questions-what-you-should-and-shouldnt-be-doing-right-now/ (common Covid questions), please read the following article around this. __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) You really should https://ungaro.co.nz/nzeverydayinvestor/ (subscribe to our newsletter) to ensure you are receiving the latest updates if you're a fan of the show. https://www.facebook.com/UFinServ/?ref=bookmarks (Facebook) https://www.instagram.com/ungaro.co.nz/ (Instagram) Increasingly we are publishing more content on YouTube also - please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube):
Note: This recording was done 2 weeks prior to the worldwide equity markets pulling back and before the full extent of what Covid-19 has now become, was even known. _________________________________________________________ Julian McCormack from https://www.platinum.com.au/ (Platinum Asset Management) joins me in this deep dive to talk bubbles and active investing, all with a good dose of economic history. Today's episode requires a clear mind before you start listening - we often try to drop a few life-lines to explain things for those of us who are still learning, but this time you may need to pause, consult Mr Google, and continue listening. Don't let any of the jargon put you off here - this is a must listen! Some questions we're exploring today: Are we in a bubble? What would it take to 'prick ' this bubble? Some key 'take-aways'? Why should we all invest? Well, we all have a 'right' to partake in the fruits of capitalism. Sometimes you have to fight for your right (not just to party) but to invest - just because it may seem hard, doesn't mean you shouldn't do it. Passive vs active isn't a debate we should have, it's merely two different investment styles we should all be approaching. 'Owning' a slice of the market is fine, but having at least some allocation towards active management seems like a sensible thing to do when the future is as uncertain as it is currently...right? The average return is a lie. Economics - the physics of humanity. Economic shocks and 'bubble avoidance' isn't actually a healthy mindset - often a market shock can be a good thing as an investor and not something to be fearful of...just prepared for. In any area of your life that you're trying to improve on, outside help is helpful. DIY passive investing could be a great strategy for your 'core', but even then, shouldn't you get some advice with that? Shut up and buy cheap stocks - could this be the most profound bits of investment advice you've ever heard?
If you want to learn more about the types of funds that https://www.platinum.com.au/ (Platinum )offer, please consult an authorised financial adviser. Hope you've enjoyed this episode - if you have please write a review on your favourite podcast player and share this episode on your various facebook groups! _____________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (authorised) https://www.ungaro.co.nz/ (financial advisers) Want to chat, then you can schedule in a free 15 min conversation just https://calendly.com/ungaro/15min (click on this link) You really should https://ungaro.co.nz/nzeverydayinvestor/ (subscribe to our newsletter) to ensure you are receiving the latest updates if you're a fan of the show. https://www.facebook.com/UFinServ/?ref=bookmarks (Facebook) https://www.instagram.com/ungaro.co.nz/ (Instagram) Increasingly we are publishing more content on YouTube also - please ensure https://ungaro.co.nz/nzeverydayinvestor/ (you have subscribed to us on Youtube):
Rupert Carlyon joins me to have a candid discussion around the the vehicle, and the destination that it's taking us to. Whether we acknowledge it or not, our KiwiSaver is taking us somewhere. Many of us, including myself until a few years back, are rather apathetic on the topic of KiwiSaver. We've set it up, now we've moved on to something else. Is that wise? In this episode, Rupert (one of the co-founders of a digital advice KiwiSaver provider called Koura Wealth), discusses with me some of the habits and mindsets we need to move into, in order to build a better retirement. Factual information may not enough, even if it's available in spades, to make a good decision around your financial future. Advice provides another layer for one to make a good decision in light of the facts, about what's right for them. The problem with advice is that it's not freely available, unless there's a sale on the other end. Providing advice is not a charity especially if humans are employed to deliver it. The result in NZ, and regulation certainly has a huge role to play here btw, is that many Kiwi's have chosen their KiwiSaver provider without advice. Digital advice aims to solve part of this problem. If you want to check out this innovative new start-up KiwiSaver fund manager, visit www.kourawealth.co.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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) https://www.ungaro.co.nz/ (financial advisers) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
Rupert Carlyon from https://www.kourawealth.co.nz/ (Koura Wealth) joins me to discuss. Before we talk about what's wrong with KiwiSaver, we should point on some good stuff first: - Many Kiwi's are investing again in the share markets rather than just property. Sure, they possibly had no idea that's what they were doing when they joined, but a good result nevertheless. - KiwiSaver is going to decrease the likelihood and magnitude of retirement poverty. It's unlikely government super will be enough, but now with KiwiSaver, there's a growing chance some of us will be in good shape - KiwiSaver is increasing the financial resilience of our country - more investors, more funds floating around in the world from a country who's been acting a bit gun-shy since the '87 share market crash So the problems? Well...I'm not going to ruin the surprise, you'll just have to listen! Make sure you've subscribed so you will be made aware of the next episode with Rupert and I next week. A bit about Rupert: Rupert has worked in financial service roles his entire career – starting at global investment bank UBS, where he had a slew of roles in London and Auckland. Returning to New Zealand in 2014, Rupert was disappointed to see the KiwiSaver market had not moved on since he left. Seven years on, New Zealanders were still being given the same stock-standard, three-fund offering and he could see that KiwiSaver was not really working for everyone. So he began to look internationally, at companies and technologies that were doing retirement investing right. kōura is the result - a way to give kiwis access to the technology and products to help them achieve their financial goals. _________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) https://www.ungaro.co.nz/ (financial advisers) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
Tim Warren, a former executive at Goldman Sachs, JBWere and others, is one of three founders of a company called Ambit. This firm is responsible for some of the very life-like digital employees that you're now finding at places like Vector, AirNZ, Noel Leemings, and ANZ. Tim is a people person, who loves books, playing jazz drums, and keeping himself busy as a Dad of two. Digital employees, (aka by their rather derogatory term: Chatbots), have the power to change the workforce. This episode isn't about the potential for this AI-infused tech revolution to induce mass unemployment however, it's about the other side of the equation. So, I have a few questions: How well with large firms adopt this new technology? What opportunities are there for disruption? What kind of short-term/long-term costs will business wear if they are unwilling to adapt? Should I now be assessing 'digital-employee' openness when making investment decisions? What would it look like if a digital employee worked for you and for me - with the sole aim of building your 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) https://www.ungaro.co.nz/ (financial advisers) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
It's easy to view the world through your own experience - often we see things as WE are, not as they are. Living in a first world country we perhaps have a slight fog on our lenses around how difficult it may be for those in other countries who do not have access to the same things we do. We know this is true in terms of freedom, enough food to eat, security and life expectancy, but what about access to financial services. Bitcoin, the digital money for the digital world, has provided (and is increasingly providing) a lifeline in many jurisdictions worldwide. As some of us dismissed Bitcoin a couple of years ago, it's adoption has marched on. https://bravenewcoin.com/insights/contributors/andy-pickering (Andy Pickering), editor and https://bravenewcoin.com/ (Brave New Coin) and host of the https://bravenewcoin.com/insights/podcasts (Crypto-Conversation), joins me and my co-host Jaret Lang, to discuss. We're covering questions today like: What is Bitcoin? Why should I even care about it? Is Bitcoin dead? Are we Bitcoin 'investing' or 'speculating'? We also throw Andy's trademarked 'Crypto-Hot-Take' quick-fire question round back in his face with some surprising results. For those of you also who are sci-fi fans, Jaret and I discuss the most powerful and creative Canadian sci-fi film every made - https://youtu.be/s-K990t7qFM (THE MUTANTS OF 2051 AD) ! _________________________________________ If you want to make a start with Bitcoin, Darcy uses https://vimba.co/?source=ungaro (Vimba), a service provider listed on the FSPR registry - check it out via https://vimba.co/?source=ungaro (this link) and a small portion of the fee charged will go towards supporting the NZ Everyday Investor Podcast. _________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) https://www.ungaro.co.nz/ (financial advisers) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
Those with the gold, make the rules! There are significant benefits in the area of direct commercial property investment. Higher rates of return, greater opportunities to increase property value by augmenting lease terms, the tenants pay for everything...to name just a few. There are also significant hurdles to overcome. Having a much larger deposit (like 35%), paying higher interest rates, and tighter lending rules overall are just a few of them. More often than not, mainstream banks are saying 'no' to commercial property investors. Is this because it's a bad idea? Not necessarily, but there are more risks and against a backdrop of increasing conservatism, borrowers need to be open to having a broader discussion with lenders who are not 'mainstream' Simon Paris joins me on this episode to discuss some of the rules that mainstream banks have and how they differ to non-banks. 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) https://www.ungaro.co.nz/ (financial advisers) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
Often the 'middle' get over-looked when thinking about who needs financial advice. Sure, many 'middle class' people are in good shape relative to those drowning in short term debt and spiraling out of control - but often this group of people have aspirations to do more, but struggle to get their act together. There could be many reasons for this, but perhaps they simply have not gone through financial puberty yet. Having a good income does not equate to having wealth - in fact, it's odd but often those with good income 'leak', and fall behind right when it's critical to leap ahead. Tom Hartmann joins me again in the studio to pick up the conversation we started last week. If you find yourself financially left behind, have a think about one thing that you could do to turn your ship around. Often a series of not-so-awesome decisions put you into your current position. What could get you out of it could simply be a series of better decisions - there is hope. Perhaps for you simply doing a budget is all you need to do. If so, check out this https://sorted.org.nz/tools/budgeting-tool/welcome?gclid=Cj0KCQiAvc_xBRCYARIsAC5QT9k0HdJuPyTjvWfC5siZpGbHlkX8OiePb6q0YsdJCGZgiGCcVnG7Yh8aAiydEALw_wcB (budgeting tool from Sorted). Perhaps you've left investing a little too late and assumed that it was something that only really wealthy or smart people do. The wealthy bit will take some time to grow, but perhaps you do need to increase your smarts a little (if you're reading this I think you're doing well already though!). The great news is no matter where you are, you can make some good decisions today...you can learn something more today...and maybe even start to take action today too. Hope you've enjoyed this episode. What do you think of these shorter episodes? Let me know. If you like them longer, don't worry, next week will be longer I promise! 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) https://www.ungaro.co.nz/ (financial advisers) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
It's easy to assume those who are wealthy are 'lucky'. Lucky enough to have great parents, go to a good school, get a good education then a good job. In reality, true financial capability comes from keeping your eye on the prize - forgetting the past and driving clear on into the future. Tom Hartmann, managing editor at the CFFC (Cat Frog Frog Cat, or more accurately, the Commission For Financial Capability), is joining me to discuss. Currently, retired people cost NZ $38m per day - that figure will double before we know it. NZ is not a huge country, but we have a rat moving down the throat of a snake when it comes to the seismic demographic change to come. We have, or will have, a superannuation crisis. You can disagree over this, but for many, government super is a not a huge amount to get = $21,380 pa - that's only 43% of the average income in NZ. Already, we are seeing retired people live in poverty, and this is going to get worse. This 'not enough' amount we'll get in retirement could already be unsustainable for our government in the future too. What do we do when the cost of providing this exceeds the benefit it was designed to provide? The CFFC is actively involved in helping Kiwi's build financial capability, and their work via the Sorted website testifies to this. It started out as a free and unbiased resource but now, it's evolving into something that is a force for change. Initiatives like 'https://sortedinschools.org.nz/?utm_term=sorted%20in%20schools&utm_campaign=S+%7C+Brand&utm_source=adwords&utm_medium=ppc&hsa_net=adwords&hsa_acc=4976786374&hsa_ad=343506229380&hsa_grp=59111234056&hsa_ver=3&hsa_mt=e&hsa_cam=1541820163&hsa_kw=sorted%20in%20schools&hsa_tgt=kwd-508746917415&hsa_src=g&gclid=CjwKCAiA66_xBRBhEiwAhrMuLYkfWafCHNntU0Srm-aFC9mQHWvjcvuawXmwMJes4vOYxcjdbUzxLRoC1sMQAvD_BwE (Sorted in Schools)' and https://www.cffc.org.nz/sorted/sorted-at-work/ ('Sorted at Work' )are two examples of how they are pivoting with targeted initiatives designed to create change pro-actively - this is awesome to see. So, the problem? As a country, and as individuals, we all have to deal with a retirement crisis that will arrive at some point in the not too distant future. Let's talk about it for what it is - a huge problem. The current solution? Education is one of the solutions and the more that's out there the better. Much of the free content out there however, and no one is innocent here including myself, often acts like more of a 'sales funnel'. Great information, but designed to sell a providers solution or even a certain set of ideologies. The only true un-biased content is often built for the general audience only and may not in fact, be fit for purpose for the reader. Financial advisers are a great resource, but often it's only accessible to a very small portion of society. The best solution? I don't think I've seen it yet to be honest, but the CFFC and Sorted as a resource in particular, is moving in the right direction. No matter where you are at your wealth-building journey, there's a huge amount of content you should check out there. The best solution to address our retirement crisis is not currently apparent to me though. Information is not enough, unless it leads to a change in behavior. I suspect that not until we see a closer working relationship between private sector initiatives with public sector governance, will we see a solution that's effective for the majority of Kiwi's - the important thing here is that we're moving in the right direction though. Tom is with me for two episodes so hang in there, because next week we're covering even more ground. 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by...
It's still property investment, but unless you've done it before, it's not what you think it is. In an environment of lower returns on investment across many asset classes and property in particular, in order to get a good return, you have to factor in the expected capital gains. With residential property, there's generally a trade-off between getting a good yield (good rent relative to the value of the property), with expected capital gains. An Auckland 3 bedroom home may go up in value nicely over time, but a property in say Hamilton, may provide a better yield. Commercial property is different: The tenant usually pays for all outgoings You can influence the value more directly by improving the lease terms Access to lending is often a bit tighter, and more expensive Vacancies can last longer, but there could be more certainty with cash flow over time
On the whole, there are more positives than negatives and it's a true-ism that residential property investors often 'grow up' to be commercial investors later on. I can see why. There is, however, a huge elephant in the warehouse here - the barriers to entry are higher with commercial . Not only do commercial properties often cost a lot more than residential, but if purchasing direct, you have to have a much higher deposit to even get a foot in the door. Jack and Brandon have a broad discussion with me around the benefits of commercial property as well as touch on some different ways you can partake in this investment: Direct, through a syndicate and through a fund (unlisted or listed). We've discussed listed property funds already on the show with https://nzeverydayinvestor.simplecast.com/episodes/building-wealth-starts-with-a-kernel-dean-anderson (Dean Anderson from Kernel) and also with https://nzeverydayinvestor.simplecast.com/episodes/land-owning-a-slice-of-the-action-di-papadopoulos (Di Papadopolous from Booster) if you want to check that out also. This is a must-listen for anyone thinking of getting into a commercial property at some stage. Newland Burling, the company Jack and Brandon work for, also do a https://www.newlandburling.co.nz/investment-property-services/commercial-property-courses/ (commercial property master class) and it's a worthwhile exercise to head along - let them know you found them via this podcast. You won't get a deal but you'll be the teacher's pet! 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) https://www.ungaro.co.nz/ (financial advisers) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
Democratisation - the action of making something accessible to everyone. Sharesies is proving to be one of NZ top online investment platforms. If you'd like to sign up and give it a go, https://sharesies.nz/r/RRPR6X (please click on the following link )to help with the production of this podcast Giving the person with 1 cent the same opportunities as the person with $1m is one of the foundation principles used by the founders of Sharesies to bring their product to the market. Traditionally, would be 'wealth-developers', have been locked out of investing unless they had significant sums to invest. It just wasn't possible or if it was, it wasn't cost efficient. Sharesies pioneered the practice of 'fractionalisation' with investing, enabling more people to come to the party with what they had. The result? Over 70,000 Kiwi's now have a Sharesies account and the average balance is sitting at over $2k each. It's been over a year since I caught up with the Sharesies team and a lot has happened since then. Yes there are more players in this space, with Kernel Wealth, Hatch, and Invest Now to name a few. The good news is that the 'pie' of everyday Kiwi's playing the game is growing. Focusing on the everyday investor, Sharesies enables those with smaller amounts to invest in not only exchange traded funds, but now also shares listed on the New Zealand Stock Exchange (NZX). This is massive. The other thing Sharesies does incredibly well, is that it allows an account to be set up for children. From personal experience I have struggled to teach my kids about investing, but having this tool is a great assist. https://sharesies.nz/r/RRPR6X (If you'd like to give this a go, or check them out, go here). _________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) https://www.ungaro.co.nz/ (financial advisers) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
From personal experience, owning a holiday home is awesome! It's a very privileged position to even be in to own a secondary home. If you don't need the income that this secondary home could generate also, you're in a very small group of Kiwi's who are 'living the dream'! So, if you're thinking about this then, before you do, ponder the following questions: Where should you buy a holiday home? What types of property make the best holiday homes? What are the bank rules if lending is required? What other points should you consider from a tax perspective if you decide to rent out your holiday home? What about going in with your friends to purchase a holiday home?
Adrienne Church, the General Manager of Prospa New Zealand joins me to discuss how 'cashflow funding' works and how small to medium-sized enterprises grow using this tool. Many Kiwi's build wealth through business. 97% of all businesses in NZ are considered a SME (Small to Medium-Sized Enterprises). 30% of all Kiwi's are employed by businesses with less than 9 employees. Not only do business owners build wealth through their enterprise, but indirectly they are responsible for producing income for a large chunk of the NZ workforce. Adrienne talks to me about the role of debt in building wealth. Many often think that debt is the opposite of wealth. This is ironic, especially when you understand that most investments are denominated in a currency, which is technically debt! Is borrowing to fund your business of interest to you? NZ Everyday Investor via Ungaro & Co Financial Services have an offer whereby if you proceed with taking out a Prospa loan and a commission is paid to Ungaro & Co, a portion of that goes to support this podcast. Check out this link here to https://ungaro.co.nz/making-small-business-bigger/ (arrange a Prospa loan) and learn more.
MERRY CHRISTMAS TO YOU ALL! In this episode, Greg Hutana from Gorilla Technologies joins me in the studio to do a bit of a wrap up of the year that's been. This year has been awesome to be involved in podcasting. It's a growing medium of communication, covering topics that are growing in popularity. Heck, I even got an award this year for the podcast thanks to Financial Advice NZ! The momentum is building and next year is going to be a big one - I'm personally looking forward to learning more about new ways to build new wealth in the new world. Big thank you 's all around to the following people: My wife (Pumpkin!) My work-wife (Gayna) Paul, Greg and Selina at Podcasts.NZ All subscibers everwhere The Patreon supporters All clients of mine, past/present/future Special announcement Thanks to our friends at Hatch, we have $300 to give away to a lucky member of the NZ Investor Community. Important two things you need to do to enter the draw. 1- To be eligible for this prize draw, https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 2 – To be eligible for draw, you also need to have a https://www.hatchinvest.nz/?utm_source=Everyday%20Investor&utm_medium=Affiliate&utm_campaign=Education&utm_content=HatchOverviewPodcast (Hatch account – sign up here )but don’t worry, you don’t have to deposit any funds if you don’t want to. Tip: Don’t enter this draw unless you have a Hatch account. More t’s and c’s: Only sign up to newsletter using one email address per person If you win, Hatch will credit funds into a valid Hatch account matching your name and email address used to join our newsletter. Prize draw to occur on the 19th of December and winner notified by email and via Facebook – If no response received within 24 hours, we’ll revert to another back up name
Increasingly, there are great options where everyday Kiwi's can partake of the benefits of property investment without directly holding it. We're moving, quickly, into a world where accessibility to traditional assets is under pressure. Those that have, continue to accrue. Those who don't have, are left further behind. Contained in this problem however is a significant opportunity. Can (should) government help? Will complaining do anything? I doubt it. Here's what I do know though - private enterprise is rising to the challenge yet again to address the gap between the 'haves' and the 'have nots'. Owning property directly will become more challenging in the new world. When you understand the role of a fund manager and custodial service however, you can begin to see how property fractionalisation could be the cure to multiple challenges at once. The PLPF is yet another manifestation of financial innovation occurring from established players in the market. Di Papadopoulos from Booster joins me in the studio today. We're discussing the following: 1 - What's PLPF? 2 - What does Booster do? 3 - How do fund managers view financial advisers? 4 - Kids and money 5 - Investing in New Zealand https://www.booster.co.nz/booster-investments/private-land-and-property-fund.aspx (Go here to learn more about the PLPF,) including what it stands for. Check out the blog on kids https://www.booster.co.nz/booster-blog/our-people/money-talk-the-50-kids-challenge.aspx ($50 challenge here) ________________________________________________________________ Special announcement Thanks to our friends at Hatch, we have $300 to give away to a lucky member of the NZ Investor Community. Important two things you need to do to enter the draw. 1- To be eligible for this prize draw, https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) 2 – To be eligible for draw, you also need to have a https://www.hatchinvest.nz/?utm_source=Everyday%20Investor&utm_medium=Affiliate&utm_campaign=Education&utm_content=HatchOverviewPodcast (Hatch account – sign up here )but don’t worry, you don’t have to deposit any funds if you don’t want to. Tip: Don’t enter this draw unless you have a Hatch account. More t’s and c’s: Only sign up to newsletter using one email address per person If you win, Hatch will credit funds into a valid Hatch account matching your name and email address used to join our newsletter. Prize draw to occur on the 19th of December and winner notified by email and via Facebook – If no response received within 24 hours, we’ll revert to another back up name _________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) https://www.ungaro.co.nz/ (financial advisers) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
If you're happy to pay a fund manager a fee to manage a portfolio of assets that grow in value, why not spend money protecting your most valuable asset? Jane Doe is talking with me in the studio about how fortunate she is. She's not lucky, she's fortunate - she made a rational choice when the options were presented to her, and now even though things didn't go according to plan, she still has choice. In this episode you will hear about: How does insurance actually work when you need it? What types of personal insurance cover you for getting cancer? Should you talk with an insurance adviser or can you just as easily do the job online? Should I wait until I'm older to get insurance, or sort it out now?
If you would like to learn more about what was covered today and would like further information, I'd like to encourage you to reach out to a qualified insurance adviser in your area. If you would like an introduction to one, please reach out to me on darcy.ungaro@nzeverydayinvestor.com. ________________________________________________________________ Special announcement Thanks to our friends at Hatch, we have $300 to give away to a lucky member of the NZ Investor Community. Important two things you need to do to enter the draw. 1- To be eligible for this prize draw, https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here ) 2 - To be eligible for draw, you also need to have a https://www.hatchinvest.nz/?utm_source=Everyday%20Investor&utm_medium=Affiliate&utm_campaign=Education&utm_content=HatchOverviewPodcast (Hatch account - sign up here )but don't worry, you don't have to deposit any funds if you don't want to. Tip: Don't enter this draw unless you have a Hatch account. More t's and c's: Only sign up to newsletter using one email address per person If you win, Hatch will credit funds into a valid Hatch account matching your name and email address used to join our newsletter. Prize draw to occur on the 19th of December and winner notified by email and via Facebook - If no response received within 24 hours, we'll revert to another back up name _________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) https://www.ungaro.co.nz (financial advisers) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
What's an asset?Anything that produces an income.Financially speaking, you're the net present value of all future income streams that you can create. Would it, therefore, make sense to insure your greatest asset? Today, we're talking about your health with nib's CEO, Rob Hennin. In this episode we cover questions like: Why bother with medical insurance when the public health system is so good? Why bother putting our children on health insurance plans when they likely won't use it? Why do my premiums keep going up?
In addition to having Rob speak on today's session, I've included a bonus 7-step checklist around medical insurance. From the perspective of an insurance adviser, I've prepared this as a general tool to provide a base level of knowledge for anyone, and their family, to listen to to get up to speed on all the important questions to ask. Should you wish to find out more about nib, https://dashboard.simplecast.com/episodes/www.nib.co.nz (please visit their website here) Should you desire to be introduced to an insurance adviser in your area, please email me on darcy.ungaro@nzeverydayinvestor.com As with every episode, please do not act on any 'guidance' you receive by listening to these podcasts - get your own individual advice based on your personal circumstances before making a decision around medical insurance. _________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ (Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz/ (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
"KiwiSaver is the best financial gateway-drug on the market." Me As a tool to increase financial capability among everyday NZ'ers, KiwiSaver has done great things. But self-employed people have been left behind and that needs to change. Perhaps if this type of investment vehicle had a bit more customization potential it could appeal more to these non-PAYE mavericks? What if there was a DIY, make-your-own KiwiSaver out there? Wait...there is! Ryan Goldsmith joins me today from Craig's Investment Partners. What I like about Ryan, an authorised financial adviser, is that he's an everyday guy - heck, he used to work at a pub just up the road from me! Financial advisers are not always bald, white, drunk and fat - sometimes they're normal people. This is good. In this podcast we discuss: How to create a KiwiSaver fund that is as unique as you are...a very special snowflake...ahhhwww How to invest in gold using KiwiSaver The benefits of paying attention to KiwiSaver Special message to self-employed people As per this episode, if you're not enrolled in KiwiSaver and you're self-employed, you need to deal with this now. Contact Ryan, or someone like Ryan, or check out many of the other options out there to get enrolled with KiwiSaver now. _________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ ( Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
The Problem:Without dealing with the 'crap' properly, all the admin and complexity associated with being self-employed, independent earners can often be excluded from actually building wealth. Just like the invention of the toilet propelled the human race towards bigger and better things, independent earners also need help to deal with their crap if they're going to have a chance to build wealth like their employed counterparts. Hatch and Hnry joined forces recently, along with Tom Hartmann from the Commission For Financial Capability to bring today's episode into your ears. I was involved in hosting a panel discussion exploring some of the problems and some of the solutions now available to those problems: KiwiSaver: An example. If you were an employee aged 30 yrs old on $75k pa, with a $30k balance today, invested in a high growth fund you may end up with $1m at retirement. Almost enough for a Lamborghini right? If you were self-employed as above, but contributing 3% on your own with no employer contributions, you'd be about $240k worse off at retirement. The current system, which is doing great don't get me wrong, was designed for employees - and with the growing number of contractors working in NZ, there's a growing problem begging for a better solution. The Solution?The above is actually the best-case scenario as it assumes the self-employed person has KiwiSaver but, in reality, many self-employed people are stuck in a cycle of doing boring admin and can't consistently allocate enough to invest regularly. There stuck dealing with crap, which could one day rob them of their Lambo (or worldwide cruise?) Hnry can assist by allocating a % of each payment towards investments (like KiwiSaver or Hatch). What a great example of NZ innovation coming to the rescue! _________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ ( Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
That's right, perhaps your biggest weakness, is actually you're strength... In today's episode, Kristen and Natalie from Hatch Invest,join me to have a discussion about... What makes women good at investing? How to turn your weakness into a strength The importance of finding your tribe. Often when the word 'inclusive' and 'diversity' are thrown about, you're mind could easily go towards thinking this is all about just women, but it's not. There are many groups (and many individuals who don't even fit into a group) who currently feel (and are) excluded from the world of investing. In any given household, it's not uncommon to find that one party is the dominating influence when it comes to making financial decisions, but that one party is not always the most competent. It's important that there's equal opportunity given to all decisions makers in the family with respect to building wealth. Why? Because often the ones who currently don't play the game are actually going to be pretty good at it when they make a start! Hatch Invest is one of NZ's leading online investment platforms that provides an option to buy fractions of US Shares simply and in a cost effective way.https://www.hatchinvest.nz/?utm_source=Everyday%20Investor&utm_medium=Affiliate&utm_campaign=Education&utm_content=InclusiveInvestingPodcast ( Check them out using the following affiliate link )and help support the NZ Everyday Investor Podcast. _________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ ( Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
Yes, the Robots are Coming! Clive Fernandes joins me on the podcast today to discuss where digital advice is and what the next steps are on the road to truly artificially intelligent financial advice. The digital advice we are talking about today is not just a streamlined user experience via your banks app - we're talking about a source for unbiased, personalised advice, that can help the everyday Kiwi make better financial decisions. When we imagine the 'new world', it can often be a mixed bag of excitement and also a bit of fear. As two very wise Kiwi philosophers once said... "It is the distant future The year 2000 The world is quite different Ever since the robotic uprising Of the late nineties There is no more unhappiness" Flight of the Conchords Perhaps the 'problems' of the future will no longer exist. Perhaps we won't even care. For some of us the change is not going to happen fast enough, for others, if they knew how much the landscape has already changed they would be genuinely surprised. In the world of the robotic uprising to come, the chaos will re-arrange things in (hopefully ) better way, but there could be some disruption along the way. Current market participants and regulators need to get up to speed in order to protect consumers and foster genuine innovation. As with all the great technology companies of our age like the FAANG group of companies (Facebook, Amazon, Apple, Netflix and Google), the primary reason why they have been such a fast success is the ability to scale their business models digitally. Thinking about the worlds financially 'un-reached', who don't have access to financial services (like even a bank account), which is around 1/3 of our population - digital currencies are leveling the playing fields. Banks no longer own the rights to operate in this space - the FIN in fintech is being replaced by the TECH in techfin. Digital will eventually eat the status quo. In New Zealand, there are many providers who make it easy to sign up for KiwiSaver and provide a good level of general information and product advice. That's awesome, but it's kind of one-dimensional. Clive is the founder of https://nationalcapital.co.nz/ (National Capital,) a new firm that has a mission to reach 1 million Kiwi's with high quality financial advice - ultimately this is advice that will help more people to build wealth that will see them through retirement. _________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ ( Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
Kernel, a new digital platform that provides low cost access to investments for everyday Kiwi's. Dean Anderson is the founder and CEO of one of the newest online digital investment platforms now available in New Zealand. Newsflash! Kernel are doing some roadshows around index investing this November - if you want to learn more about this type of investing, check out https://www.eventbrite.co.nz/o/kernel-26158993071 (https://www.eventbrite.co.nz/o/kernel-26158993071) Here are some points from this episode worth noting: Advice on product or advice on strategy? Reflecting on the rise of digital advice platforms, I'm struck with an emerging paradox: Digital ultimately seeks to mimic the human adviser / human advisers seek to mimic a digital experience. Are these two forces destined to dance around each other in perpetuity, or at some stage, will there be a meaningful merger of machine and human? Human financial advisers potentially still have an edge - Creativity. Trusted and true financial advisers are creative consultants. Digital advice platforms (and Kernel is one of them) that allow for the new breed (yet to truly emerge in my opinion) of financial advisers will succeed, if the integration of human and machine is done thoughtfully and at the right pace from the consumers perspective. Keen to invest in New Zealand Commercial property? Direct commercial property investment has its place, but it is rather hungry in the area of equity required to get off the ground. If you're an everyday Kiwi who's looking to gain some exposure to commercial real estate, then Kernel has a fund that tracks the performance of 8 commercial property funds in NZ. Low fees, low initial upfront investment - simple. Investing vs trading. I think a lot of investors, especially outside of property, come to the party expecting and exciting, dynamic, and labour-intensive journey. In reality, that's what trading is - high risk, high transaction costs, and inevitably a high likelihood that you'll converge to the average over time regardless. Why bother? Investing is different - it's a long term move in a positive direction, which counter-intuitively does not actually require a lot of work and as a result, shouldn't be that expensive either. Check out what Kernel Wealth is all about here: https://kernelwealth.co.nz/ (https://kernelwealth.co.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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ ( Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
Oh...My...Gold! The ultimate hedge, the best store of value, an ancient currency, or all of the above? Rich Elliott is the founder of MyGold - they're gold dealers. Owning physical gold is not something that is normally recommended in the mainstream world. From an educational point of view, you may have done a degree in finance but the merits of owning physical gold are perhaps still a mystery to you - it certainly was for me. This is one of the great mysteries of building wealth. Why are some of the potentially more effective ways to build and store wealth, kept secret from the majority of people?! Here are a few thoughts on this episode... Is Gold a 'hedge'? Life insurance is a hedge. Bad stuff happens, and your family receives a lump sum of cash to offset some of the negative impact associated with loss of life. If you had a % of your wealth tied up in gold, would the value of this investment increase to a point where it's effective in offsetting some of the losses held elsewhere? Sort of is the answer here. Significant increases in the value of gold occurred around the major negative economic events of 1929-33, 1969-70, 2001 and more recently this year where we've observed a 20-25% increase already. Not everyone agrees that gold can be an effective hedge however, and https://seekingalpha.com/article/4101251-gold-shine-next-recession (this article) contains a perspective to the contrary. Another slightly controversial take is the https://youtu.be/_BIDcmh_6Es (#dropgold campaign) launched by some rather keen crypto-enthusiasts. With what I've learnt over the last 6 months about gold, I'd suggest that gold will indeed shine in the next recession, but not all that shines is in fact gold. Financial-ised gold vs Physical gold? You can benefit from the price movement of gold and not actually have to physically hold it. If you come from a traditional paradigm where you view the amount of wealth you own in terms of currency (say, USD), holding an ETF in say GLD, may be an option to consider. Craig's Investment Partners have a DIY KiwiSaver option where you can own this ETF in GLD for your KiwiSaver. A purist 'gold-bug' however, would always prefer to hold the physical element in their hot little hands (or white gloves). Why? It seems the main reason physical is preferred over the financial, is that if you truly buy into owning gold, chances are you have a higher than average distrust for the current financial system. It makes sense when you think it through - if there was a catastrophe, you'd want to convert your contract to the physical as soon as you can. When you dig a little deeper however you learn that many of these 'paper' assets are in fact derivatives. They work to a point, but in an extreme situation (financial Armageddon) when everyone's running to the vault, there's no gold to be found. (If this area is of interest, search 'gold market manipulation') It's really easy to get lost in the weeds with this topic though (and quite fun just quietly) - I do believe however, that if you're into building and storing wealth, this should be one of the foundations to understand first before moving forward much further. There's a good book I thoroughly recommend in fact, called 'The Death of Money' by James Rickards. Check out https://www.youtube.com/watch?v=sb1wJzXyWMg (a wee sample of it here,) but I'd really recommend this book if you want to understand how central banks work in greater detail and how gold worked(s) in the past/present/future. I'd suggest it's written an a more 'intermediate' level so if that's too technical, check out YouTube for https://www.youtube.com/user/whygoldandsilver (Mike Maloney) or https://www.youtube.com/user/SchiffReport (Peter Schiff) to get started. So, how does owning physical gold help you, the everyday investor? Based on my current understanding (keep in mind I'm still learning too!), owning physical gold should not really be a means to an end, but it could be an end unto...
When aiming for the green, the Benjamin's, alpha, ROI etc., there's so much more you could be achieving. Do you care about the environment? Sure, we all do right - how far would you be willing to (beyond purchasing compostable plastic bags?). How much of a premium would you pay in your world in order to protect it for you and kids? Do you care about society? How do you feel about the slave-trade, child labour, pay-gaps? What would you be willing to do to play your part in reducing this? Do you care about good governance? How much research are you willing to undertaking on a firm on their governance structure before you make an investment? It's all fine and dandy to say you care about something - often it's a bit trickier to do something about it, especially when it costs more to do it. Especially when no-one knows you're doing it too! Leeanna Kohn-Hardy, founder of https://www.finappster.co.nz (Finappster )( a start-up that makes it easy for you to understand how socially responsible your investments are) joins me in the studio for this latest episode. _________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ ( Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
What's the problem? For the self-directed investor, there's a bit of work to do in order to access and manage your investments. Accounts with various banks, potentially a share-trading account, a couple of online platforms perhaps. Different credentials to recall and most annoying, AML/ CFT (compliance / ID checks) process to go through each time. What's Invest Now? It's a simple and affordable way to access multiple investment options in one place. Mike Heath joins me on a discussion that we had when I went down to Wellington recently, via Christchurch (no, it's not on the way). These online investment platforms are popping up everywhere it seems - they all work a little different to each other and they serve a different community of DIY investors out there. I'm learning about them at the moment so hopefully, this is of interest to you also: Here are some key 'light-bulb' moments covered in this episode: Often people may be afraid to seek financial advice as they believe they're not smart enough to do so. Seems counter-intuitive, but it does make sense. The reason we need advice is that we don't have all the answers, but often pride can act as our own worst enemy here. We hate to admit it when we don't have the answer. The bulk of New Zealanders are un-served by financial advisers - online platforms like Invest Now provide a very inoffensive and un-daunting access point for many who may be afraid to engage in a face to face encounter with a financial adviser. If there's a need and desire to use an adviser, however, the Invest Now platform can actually now accommodate that too. Mainstream media. Often credibility is bestowed upon advertisers - this is crazy but just because a finance firm during the finance company collapse a decade ago advertised in the Herald, doesn't mean the trust placed in them was justified. Mainstream media can be an excellent platform to increase financial literacy - but this doesn't always occur. Whether it's an online investment platform, KiwiSaver, or another investment product you access through an adviser, often a 'custodian' is used. In this episode, Mike covers how platforms, custodians, fund managers and investments all work together. What's an ETF, a mutual fund, or an index fund? Self-employed people often don't have KiwiSaver but they should. Beyond getting the tax credit however, online platforms like Invest Now offer another alternative way to simulate what's in a KiwiSaver fund.
It's great to see online investment platforms grow in popularity - There will likely be much innovation happening in digital advice and robo-advice space in the coming years. Will financial advisers be made redundant as this trend roles on? No, but I do think the role of an adviser needs to change dramatically. Removing friction is what these platforms do well, but the easier it is to get in, the easier it is to get out of investments also - perhaps the biggest strength is also their biggest weakness - enter the new breed of financial advisers. _________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ ( Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks...
Co-ops and Kiwi banks - how can a co-operative banking structure create more wealth for the everyday Kiwi. David Cunningham, CEO of The Cooperative Bank is on the NZ Everyday Investor today to discuss: How do cooperatives work, especially in the banking world? The Royal Commission of Inquiry into Banking Misconduct. Capital Reserve requirements (what is it and why do banks care)? The role technology plays in transforming a relatively 'old school' sector. The Co-operative Bank has a few unique points of difference - for example: - When you join, you're a shareholder, and you get a share of their profits (directly). -Kids, when you open an account for them, earn 4% (not up to 4% under rare circumstances) up to balances of $4k. Check out some of their YouTube videos here: https://youtu.be/wT9UwD6vOBs (https://youtu.be/wT9UwD6vOBs) - youth savings https://youtu.be/aaVYr0376VY (https://youtu.be/aaVYr0376VY) – rebates https://youtu.be/oR_CWq2K1lM (https://youtu.be/oR_CWq2K1lM) - Fair Rate Credit Card _________________________________________________________________ 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ ( Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
In today's episode I'm catching up with Kristen Lunmen and Natalie Ferguson from Hatch, https://www.hatchinvest.nz/?utm_source=Everyday%20Investor&utm_medium=Affiliate&utm_campaign=Education&utm_content=HatchOverviewPodcast (an easy and affordable online platform that can help you invest in the US Sharemarket). There's loads of innovation occuring in this space which is fantastic to see, as it serves a growing community of 'self-directed' DIY investors. This group is not currently being served up any financial advice but as this evolves, I wouldn't be surprised to see digital advice, digital platforms, and digital advisers all uniting as one. Kumbaya! So, we’re talking today about a platform which makes it easy and reduces some of the friction associated with investing in the US Sharemarket – traditionally this hasn’t been easy to do. If you’re into Tesla, Amazon, or Beyond Meat for example, and you wanted to own a slice of the action, then I’d encourage you to https://www.hatchinvest.nz/?utm_source=Everyday%20Investor&utm_medium=Affiliate&utm_campaign=Education&utm_content=HatchOverviewPodcast (check out Hatch) – at the very least, set up an account so you can look at the various companies you could invest in. If you feel you’re not 'smart enough' to play the game of investing but you’re really into a company, an industry, or some sort of trend – hey, growing smarts starts with feeding an interest! Some cautions/disclaimers I'd like to state/make/reiterate: Investing in anything is risky. Shares are normally at the higher end of the spectrum of risk/reward. If you invest, then you will likely have times where the value of your investment is negative, especially in the short term. Do your own due diligence on any online platform before committing. If you're unsure, research and learn before you part with any of your money. This episode, and this podcast, shouldn't be considered financial advice - this is just education and hopfully a little entertaining!
So with all these disclaimers said, I'm pretty impressed with how Hatch has evolved over the 10 months now it's been around, and I'm excited about where things could go from here. If investing in the US share market is something you’re keen to explore, Hatch really does have a simple gateway. At the very least you're going to learn a lot! https://www.hatchinvest.nz/?utm_source=Everyday%20Investor&utm_medium=Affiliate&utm_campaign=Education&utm_content=HatchOverviewPodcast (Please sign up for free to Hatch here.) If you do and you end up depositing some funds in your Hatch account, $20 will go towards the production of this podcast - thank 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 https://www.facebook.com/TheNZEverydayInvestor/ (Facebook), or your favourite podcast player 3- Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here) 4- Search for The Everyday Investor on YouTube 5- https://ungaro.co.nz/nzeverydayinvestor/ ( Sign up to our newsletter here) NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/)
Negative interest rates – Are all our Christmas’s arriving at once, or is this a sign of something more sinister to come? What’s a negative yield curve and why as an investor, should I even care?
So let’s define a couple things:
What’s the OCR: Official cash rate? In short, it’s the ‘official’ interest rate set by the RNBZ (Reserve Bank of NZ) to help influence the interest rate, and exchange rate, in an attempt to regulate inflation, and foster stability in employment. When things are going really well in an economy, the OCR increases, and when things aren’t going so well, it decreases. The way that this works is not too simple, but check this out https://www.rbnz.govt.nz/monetary-policy/about-monetary-policy/what-is-the-official-cash-rate. We’ve recently seen a big decrease in the OCR and most economists currently agree, we’re going to see another cut again soon.
What is the CPI? The consumer price index – well, it’s the measurement the RBNZ looks at when it sets the OCR. If it’s high, that means that inflation is high, and therefore the OCR needs to increase. Currently the CPI is very low at 1.7% at the time of recording – it’s important to note that the CPI measures the price for a ‘basket of goods’ – there’s a lot of things not included in the basket – the cost of your mortgage for example, is not directly included in the CPI. https://www.stats.govt.nz/indicators/consumers-price-index-cpi
What’s quantitative easing or QE? Sometimes this is loosely referred to as ‘money printing’ – The US for example, has, since the GFC or global financial crisis of 2008 been printing money big time. Quantitative easing is an unconventional monetary policy in which a central bank purchases government securities or other securities from the market in order to increase the money supply and encourage lending and investment. https://www.investopedia.com/terms/q/quantitative-easing.asp
What is helicopter money? A Helicopter drop, a term coined by Milton Friedman, refers to a last resort type of monetary stimulus strategy to spur inflation and economic output. Though it would appear to be theoretically feasible, from a practical standpoint, it is considered to be a hypothetical, unconventional monetary policy tool whose implementation is highly improbable. Again, check out this link https://www.investopedia.com/terms/h/helicopter-drop.asp - whilst unconventional and theoretical, I personally wouldn’t be surprised if we see this in our lifetimes.
What’s an inverted yield curve? An inverted yield curve is an interest rate environment in which long-term debt instruments have a lower yield than short-term debt instruments of the same credit quality. This type of yield curve is the rarest of the three main curve types and is considered to be a predictor of economic recession. https://www.investopedia.com/terms/i/invertedyieldcurve.asp. The yield curve is currently inverted.
Today we’re going to have a discussion around these things and we’ll be zooming out a little bit and having a look at the wider international scene to discuss how central banks around the world seem to be dancing to the same tune at the moment.
Often when you hear about topics like this the eyeballs get a bit donut-glazed, but Jeremy makes this pretty easy to understand and I think we covered enough of the basics today to leave no one behind and enough depth to provide some protein for even the more seasoned thinker in this space – I hope you enjoy.
Thanks for listening in to this episode and thanks again to Jeremy Couchman – senior economist at Kiwibank.
Steam locomotion - one of the greatest inventions ever, led to the creation of a new type of ownership and governance structure – the limited liability company structure. Technology came first, then governance. Where are we with the current financial system? Arguably it's full of great people trying to do the right thing, but the system needs an upgrade. Technology has taken us to a new place where our current structures cannot sustain us in. Enter blockchain - it's not the magic pill, but it's one of the tools that could be used to build the financial system of tomorrow. You may need to listen to today's episode more than once – actually, you need to. Yes, we go into a bit of detail, but hopefully you can hang in there. In this episode we discuss and ponder the following: Why do companies exist now? And do they need to exist tomorrow? When the tech is already there, and it works – what’s the problem? Why aren’t things moving forward? In the ‘new world,’ what’s the role of central banks and states? Programmable money. Speed is a measurement of distance/time. Velocity introduces another element – direction. What if we could bestow on our currency other characteristics? Macro prudential regulation vs micro prudential regulation
Dave Corbett heads up https://centrality.ai/about/ (Centrality Fintech). His job is to help the financial services industry ‘be better’ by using blockchain technology. Current, legacy systems, makes innovation and collaboration difficult, so is there a way to efficiently and effectively manage the handshakes with the incumbent players? As everyday investors, the biggest mistake we can make is to assume the future will be full of ‘more of the same.’ The future will be fundamentally different/transformed – the faster you can get you’re head around where we’re going, the better equipped you’ll be to grow wealth in the new world. Special offer from Centrality: If you're into all things blockchain, complete the following survey and https://yabblezone.net/survey/sample/53f58727-aec2-465b-9e63-5d6158459ff9 (receive 3 months free membership) to Blakeley. What is Blakeley? Blakeley brings independent, data-driven insights to sophisticated cryptoasset investors. We leverage our community of experienced traders and industry insiders to identify actionable strategies and help readers navigate the rapidly-evolving world of blockchain assets. Covering everything from macroeconomic analysis of digital assets to the factors that drive successful blockchain ventures and projects, Blakeley’s deep market experience and quantitative tools offer an opportunity to stay ahead of the competition at a critical moment for investors – the emergence of a new global asset class that is based on fundamentals.
Jerome Faury from https://centrality.ai/ (Centrality) joins me today and we're discussing some of the characteristics of the new financial world we're heading into. I'm interested in this because to develop wealth (not just manage it), we need to be open to new methods. Current financial media doesn't explore this topic and financial advisers are rushing into endorse this sort of stuff yet (it's confusing as heck let's be honest, and no one's figured out how to make money promoting it either!) For some of us the future is pretty far away and we honestly don't care about this sort of thing - 'why bother' and 'why should I care'? You should care. I suspect we're on the edge of a shift - not just in international equity markets, but a shift when it comes to our personal faith in the current financial system. The alternative, or at least one of the alternative solutions has already been built - Bitcoin. What it's built on is what's of interest in this episode, and in particular, how things work on the blockchain is what matters the most. Centralised governments and corporates currently own the image of us - our data - the new oil / gold. Can we trust them? Well yes up to a point, is the short answer, as most of us currently do. Perhaps the question is, should we trust them? To answer this question we need to see how they either resist or adopt the move to more decentralised systems - why? Because decentralisation shifts power from the middle (big corporates and governments) to the edges (you and me). If you'd like to reach out to Jerome you can reach him at Centrality or give him a call on 021 Jerome. Special offer from Centrality: If you're into all things blockchain, complete the following survey and https://yabblezone.net/survey/sample/53f58727-aec2-465b-9e63-5d6158459ff9 (receive 3 months free membership) to Blakeley. What is Blakeley? Blakeley brings independent, data-driven insights to sophisticated cryptoasset investors. We leverage our community of experienced traders and industry insiders to identify actionable strategies and help readers navigate the rapidly-evolving world of blockchain assets. Covering everything from macroeconomic analysis of digital assets to the factors that drive successful blockchain ventures and projects, Blakeley’s deep market experience and quantitative tools offer an opportunity to stay ahead of the competition at a critical moment for investors – the emergence of a new global asset class that is based on fundamentals. NZ Everyday Investor Podcast: https://www.facebook.com/NZ-Everyday-Investor-338969376637717/ (https://www.facebook.com/NZ-Everyday-Investor-338969376637717/) We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too! Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/) Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here): NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! Support the show for as little as $5 per month and get access to exclusive content and free offers!
Jerome is Group GM at Centrality + Co-Founder of Centrapay. He’s also been on a number of Boards, either as a non-exec Director or Advisor. Previously, Jerome was a founding member of Payment Express, where he helped grow it into one of the largest processors in the Asia-Pacific region, processing more than $40 billion per year across more than 15,000 merchants. He then became Executive General Manager at Orion Health where it reached $1 billion on its IPO listing and in 2014 received Hi-Tech Company of the Year Supreme award. Jerome is an interesting character, who's been in difficult and challenging circumstances. This is the first of a two-part recording with Jerome. In this episode you'll hear about how he was left in the desert by his parents, he survived by eating dried noodles and wearing socks on his hands to a point where he sold his Falcon at the airport to buy a ticket back home. That kind of background builds resilience. This and his work experience has set him up supremely well for the difficult and challenging task before him, to usher in a future where value is transferred as easily and efficiently as information... 'Where the possibilities for what we constitute as currency are infinite; where consumers, brands and businesses can engage and transact directly with each other'. Here are a couple of points to take home from the episode: The internet was the democratization of information. There was one ingredient missed out when the internet was being baked, however - identity. Data is the new oil/gold, but it's being controlled by only a handful of companies. New Zealand is positioned perfectly to take on the Goliath of the corporates in an attempt to free ourselves from their tyranny. Why, because our values are conducive to innovation using the blockchain tech. Regarding the growing gap between the rich and poor, it's not about how to redistribute the wealth, it's about decentralization. This isn't your typical episode of the NZ Everyday Investor but hey, what is? How to get in contact with Jerome? 021 Jerome Special offer from Centrality: If you're into all things blockchain, complete the following survey and https://yabblezone.net/survey/sample/53f58727-aec2-465b-9e63-5d6158459ff9 (receive 3 months free membership) to Blakeley. What is Blakeley? Blakeley brings independent, data-driven insights to sophisticated cryptoasset investors. We leverage our community of experienced traders and industry insiders to identify actionable strategies and help readers navigate the rapidly-evolving world of blockchain assets. Covering everything from macroeconomic analysis of digital assets to the factors that drive successful blockchain ventures and projects, Blakeley’s deep market experience and quantitative tools offer an opportunity to stay ahead of the competition at a critical moment for investors – the emergence of a new global asset class that is based on fundamentals. NZ Everyday Investor Podcast: https://www.facebook.com/NZ-Everyday-Investor-338969376637717/ (https://www.facebook.com/NZ-Everyday-Investor-338969376637717/) We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too! Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/) Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here): NZ Everyday Investor is on a mission to increase...
You wouldn't think it, especially when hob-knobbing with the banking elite (as I don't!), but NZ is growing something pretty cool. Our #8 way of thinking and innovating is expressing itself in pretty unique ways - Kiwi's are solving problems using blockchain technology right under our noses, and it's fantastic. Andy Higgs, the GM of a company called Centrality, joins me today. Centrality is one of these firms at the epicentre of innovation - ground zero for web 3.0. This month I'm keen to take you on a bit of a journey around blockchain and with this episode, we're covering Bitcoin. It's important in the context of wealth development, that some of your wealth is denominated using a currency from the future. Value is evolving and web 3.0 is all about this. Mike Novogratz, as mentioned in the podcast, is a great person to follow on Youtube and social media if you're into this sort of thing - check him out presenting recently on something called https://youtu.be/7mFFAM6GVps ('the herd is still coming'.) If you'd like to learn more about Centrality or to collaborate in some way, https://www.patreon.com/Nzeverydayinvestorpodcast (get in touch with them here.) If you do wish to buy Bitcoin or Ethereum, and you have decided to based on your own research that it's a good idea, I recommend using https://vimba.co/?source=ungaro (VIMBA) . https://vimba.co/?source=ungaro (By visiting them and signing up using this link, VIMBA) will make a small payment to Darcy Ungaro (at no extra cost to you). Special offer from Centrality: If you're into all things blockchain, complete the following survey and https://yabblezone.net/survey/sample/53f58727-aec2-465b-9e63-5d6158459ff9 (receive 3 months free membership) to Blakeley. What is Blakeley? Blakeley brings independent, data-driven insights to sophisticated cryptoasset investors. We leverage our community of experienced traders and industry insiders to identify actionable strategies and help readers navigate the rapidly-evolving world of blockchain assets. Covering everything from macroeconomic analysis of digital assets to the factors that drive successful blockchain ventures and projects, Blakeley’s deep market experience and quantitative tools offer an opportunity to stay ahead of the competition at a critical moment for investors – the emergence of a new global asset class that is based on fundamentals. NZ Everyday Investor Podcast: https://www.facebook.com/NZ-Everyday-Investor-338969376637717/ (https://www.facebook.com/NZ-Everyday-Investor-338969376637717/) We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too! Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/) Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here): NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! Support the show for as little as $5 per month and get access to exclusive content and free offers!
Sam Blackmore, formerly CEO and co-founder of Vimba (MyCryptoSaver) gives a unique insight into a technology that will change the world! *update 24/09/20 - Vimba announces they will be ceasing operations. As they are a crypto 'retailer', if you've been using them to purchase your crypto-assets, be sure that all recurring payments to them have been stopped. Sam's not a nut-job - but he's an advocate for a technology that has the power to change the world - Blockchain. Blockchain had a baby called Bitcoin, right after the Global Financial Crisis in 2007 - it mysteriously came on the scene from a person calling himself 'Satoshi Nakamoto'. Bitcoin is likely the most famous of a group of crypto-currencies that have been birthed amid growing distrust in the current global financial system. Many believe that crypto-currency can change the world by enabling people to freely move value directly between each other without having a third party (including a government). Can it really change the world though? You could focus on the hype, and the fact that if you purchased a bitcoin ages ago you'd be driving a Lambo today, but Sam prefers to focus on the tech. Being a software engineer by trade he first became involved with Bitcoin in 2012 and is also an avid Linux user and Open Source Software advocate. He founded MyCryptoSaver (then called MyBitcoinSaver) in 2014. He previously co-founded a successful web development company with over 10 staff and before that he built a weather forecasting startup that he sold. Darcy Ungaro interviewed Sam Blackmore on Bitcoin specifically - this recording was done about 12 months ago and interestingly, the value of Bitcoin has indeed increased significantly even on what we predicted on this episode. Darcy Ungaro and NZ Everyday Investor in no way are recommending you purchase Bitcoin, but please do your research in this area and if you proceed, only invest as much as you are prepared to lose. As Vimba has recently shut down operations, we now fully recommend https://www.easycrypto.nz/?ref=19599 (Easy Crypto )- If you feel like you're ready to get involved with https://www.easycrypto.nz/?ref=19599 (Bitcoin click here) - by signing up you will also be financially supporting the NZ Everyday Investor in a small way. Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz (https://www.ungaro.co.nz) Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks (https://www.facebook.com/UFinServ/?ref=bookmarks) Instagram: https://www.instagram.com/ungaro.co.nz/ (https://www.instagram.com/ungaro.co.nz/) NZ Everyday Investor Podcast: https://www.facebook.com/NZ-Everyday-Investor-338969376637717/ (https://www.facebook.com/NZ-Everyday-Investor-338969376637717/) https://NZEverydayInvestor.com (https://NZEverydayInvestor.com) We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be really swell? Write a review on facebook too!
Psycho... or logical? How to choose your adventure when it comes to investing. Ruling out emotions or only bringing your rational mind to the table with making investment decisions, is a bit like shopping for a partner based on a list of requirements. It works great in theory until you find the one ‘that’s meant to be’. Investing is about bringing all of who you are to the markets – ignore who you are emotionally at your peril. Today we’re covering the exciting area of psychology and investing with guest Mike Taylor of Pie Funds. Here is a list of definitions to make sure you’re up to speed with what’s being discussed in this two-part recording: Note that most of these definitions can be found on Investopedia.com, a great online resource to break down the jargon: Fundamental analysis: Fundamental analysis is a method of measuring a security's intrinsic value by examining related economic and financial factors. From macroeconomic factors such as the state of the economy and industry conditions to microeconomic factors like the effectiveness of the company's management. The goal here is for the investor to have a tool to assess whether a company is over or undervalued. Technical analysis: Technical analysis is a trading discipline employed to evaluate investments and identify trading opportunities by analyzing statistical trends gathered from trading activity, such as price movement and volume. It’s all about looking at patterns of price movements, trading signals and various other analytical charting tools to evaluate a security's strength or weakness. Bull market: A bull market is the condition of a financial market or a group of securities in which prices are rising or are expected to rise. The term "bull market" is most often used to refer to the stock market but can be applied to anything that’s traded, such as bonds, real estate, currencies and commodities. The term "bull market" is typically reserved for extended periods in which a large portion of security prices are rising. Bull markets tend to last for months or even years. https://edition.cnn.com/2019/04/23/investing/bull-market-history/index.html (Check out this link to an article that talks about the last 12 bull runs in the stock market) - the current bull market in which we are in has lasted almost 124 months – this is the longest in history! Bear market: A bear market is a condition in which securities prices fall 20% or more from recent highs amid widespread pessimism and negative investor sentiment. Typically, bear markets are associated with declines in an overall market or index, but individual securities or commodities can be considered to be in a bear market if they experience a drop of 20% or more over a sustained time period - typically two months or more. Share buybacks: A buyback, also known as a share repurchase, is when a company buys its own outstanding shares to reduce the number of shares available on the open market. Companies buy back shares for a number of reasons, such as to increase the value of remaining shares available by reducing the supply or to prevent other shareholders from taking a controlling stake. This is a good one that we’re only briefly touching on today but will no doubt explore more this year. Melt-up : A melt-up is a dramatic and unexpected improvement in the investment performance of an asset class, driven partly by a stampede of investors who don't want to miss out on its rise, rather than by fundamental improvements in the economy. Gains that a melt-up create are considered to be unreliable indications of the direction the market is ultimately headed. https://www.patreon.com/Nzeverydayinvestorpodcast (Melt ups often precede melt-downs.) Now two parts of mind we should really talk about at this stage also (according to Google)… The prefrontal cortex (PFC) is the cerebral cortex covering the front part of the frontal lobe. This brain region has been implicated in planning complex cognitive behaviour,...
Psycho... or logical? How to choose your adventure when it comes to investing.
Ruling out emotions or only bringing your rational mind to the table when making investment decisions, is a bit like shopping for a partner based on a list of requirements. It works great in theory until you find the one ‘that’s meant to be’. Investing is about bringing all of who you are to the markets – ignore who you are emotionally, at your peril.
Today we’re covering the exciting area of psychology and investing with guest Mike Taylor of Pie Funds.
Here's a list of definitions to make sure you’re up to speed with what’s being discussed in this two-part recording:
Note that most of these definitions can be found on Investopedia.com, a great online resource to break down the jargon:
Fundamental analysis: Fundamental analysis is a method of measuring a security's intrinsic value by examining related economic and financial factors. From macroeconomic factors such as the state of the economy and industry conditions to microeconomic factors like the effectiveness of the company's management. The goal here is for the investor to have a tool to assess whether a company is over or undervalued.
Technical analysis: Technical analysis is a trading discipline employed to evaluate investments and identify trading opportunities by analyzing statistical trends gathered from trading activity, such as price movement and volume. It’s all about looking at patterns of price movements, trading signals and various other analytical charting tools to evaluate a security's strength or weakness.
Bull market: A bull market is the condition of a financial market or a group of securities in which prices are rising or are expected to rise. The term "bull market" is most often used to refer to the stock market but can be applied to anything that’s traded, such as bonds, real estate, currencies and commodities. The term "bull market" is typically reserved for extended periods in which a large portion of security prices are rising. Bull markets tend to last for months or even years. https://edition.cnn.com/2019/04/23/investing/bull-market-history/index.html (Check out this link to an article that talks about the last 12 bull runs in the stock market) - the current bull market in which we are in has lasted almost 124 months – this is the longest in history!
Bear market: A bear market is a condition in which securities prices fall 20% or more from recent highs amid widespread pessimism and negative investor sentiment. Typically, bear markets are associated with declines in an overall market or index, but individual securities or commodities can be considered to be in a bear market if they experience a drop of 20% or more over a sustained time period - typically two months or more.
Share buybacks: A buyback, also known as a share repurchase, is when a company buys its own outstanding shares to reduce the number of shares available on the open market. Companies buy back shares for a number of reasons, such as to increase the value of remaining shares available by reducing the supply or to prevent other shareholders from taking a controlling stake. This is a good one that we’re only briefly touching on today but will no doubt explore more this year.
Melt-up : A melt-up is a dramatic and unexpected improvement in the investment performance of an asset class, driven partly by a stampede of investors who don't want to miss out on its rise, rather than by fundamental improvements in the economy. Gains that a melt-up create are considered to be unreliable indications of the direction the market is ultimately headed. https://www.patreon.com/Nzeverydayinvestorpodcast (Melt ups often precede melt-downs.)
Now two parts of mind we should really talk about at this stage also (according to Google)…
The prefrontal cortex (PFC) is the cerebral cortex covering the front part of the frontal lobe. This brain region has been implicated in planning...
Mainstream financial institutions serve the needs of the mainstream - makes sense right? What about if you're not quite as straight forward as the majority - how do you gain access to financial markets then?
Non-bank lender, who are subject to less red-tape than the banks, only make up about 1% of the market in NZ.
Trends in NZ banking are forcing mainstream lenders to leave more opportunities on the table. More people with aspirations of building wealth through property or business are being turned down as a result. This isn't ideal
When these facts are against a backdrop of falling interest rates, I can see non-banks becoming a little more mainstream in terms of popularity.
Simon Paris from Merchant Banking Group joins me this week - I hope you enjoy
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here): NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! Support the show for as little as $5 per month and get access to exclusive content and free offers!
In the first episode of season two, we're talking about the future of money.
Are the current, mainstream, and orthodox ways of building wealth, fit for purpose in the new world?
Will the new world be simply more of what we’ve seen already, or fundamentally different? If we think it’s the latter, shouldn’t we be open to new strategies around building wealth and more importantly, storing wealth?
So on to today’s episode, what are we discussing?
The future of money
Libra is a new cryptocurrency brought to you by Facebook. Yes, that portal that gives your folks way more insight into your life than you’re comfortable with is teaching your parents how to use digital currency. Heck, I still get calls to fix my mum’s wifi so yeah, thank you Facebook! Libra - a digital currency that uses blockchain technology to protect and to verify transactions. In theory, Facebook will launch Libra next year, but there’s a lot of water to go under the bridge between now and then. People who use Facebook's Messenger service, WhatsApp, or who download a stand-alone app will be able to Libra through a digital wallet.
Bitcoin is likely the best-known cryptocurrency at the moment, but in terms of wide-scale adoption, it’s still not mainstream. The recent price action on Bitcoin has garnered some attention again (not always the good kind), but now with Facebooks version, perhaps now there’s a new onramp that will assist in mass adoption. Libra could bring a huge amount of interest into the cryptocurrency space. What impact will this have on the incumbent financial systems: Banks, governments, tax departments, stock exchanges and other financial service providers to name a few?
To read one of the best articles around Libra, check out https://medium.com/swlh/libra-a-balanced-view-i-89c985c57aa8
Or
See https://techcrunch.com/2019/06/18/facebook-libra/
Some facts:
Facebook has 2.7 billion users worldwide.
About half of the population of the world, or 3.75 billion people, don’t have a bank account (https://qz.com/1299292/financial-inclusion-nearly-half-of-the-worlds-population-still-doesnt-use-a-bank-account/
30 to 40 % of 24 to 35-year-olds are active on Facebook.
There are more than 25 eMoney systems in the world currently, with transactions exceeding $18.7 trillion (this is more than Visa and Mastercard combined).
This space is HUGE!
In this episode, I sat in on the NZ Tech Podcast with Paul Spain, tech guru with Gorilla Technologies and Andy Higgs, GM of a company called Centrality.
A couple other points to leave you with…
You may have picked up that in these podcasts, you don’t get topics that are always mainstream – today was a good example. I think it’s essential that more Kiwi’s get their head around this sort of thing though, and waiting for the mainstream media to cover it is far too late.
I sense the early stages of a sea change coming with respect to our current monetary system. The pace of change scares me a little.
A question you should really ponder around this:
Do you think Libra, or cryptocurrencies in general, will one day replace our fiat currency?
This is what money should do…
- A unit of account
- A medium of exchange
- A store of wealth
If Libra can do these jobs well, then maybe there’s something in this.
One more thing: I’m happy to go down on the record here as the guy who said that at some stage, possibly sooner than we’re comfortable with, faith will increase in forms of money that are not backed by central banks. If you believe this as well, would it be wise to rely on an investment portfolio exclusively denominated in fiat currency?
Did I mention none of this is financial advice?
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of...
Welcome to the story of Emma - it's not the full story, but a part of it...
It's taken two properties to finally get to where Emma, her hubby, and their daughter, are happy. Living peacefully among the kanuka's, they love their home - it's a smart home too because it pays them to be there via the self-contained flat that's rented out. Even though there's a mortgage, there's no net mortgage payment to contend with.
Emma's smart like this - she didn't read about how to do this, she simply took one step at a time.
The reason I wanted Emma to share her story on the podcast is that Emma and her partner are a terrific example of how quite different people can make unified financial decisions, and good ones too, even when there's FUD everywhere (Fear, Uncertainty, and Doubt).
Recently, Emma and her partner purchased their first investment property. They may not have a portfolio of properties yet but they do have a story that I think we can learn from, especially for first-timers.
Things haven't come easy for this couple, and, when making financial decisions, they've faced two very big challenges that will resonate with a lot of people.
1 - Having an irregular income source. This has to be one of the top reasons why many self-employed Kiwi's don't interact with building wealth as easily as others - they're financially excluded. You're either on top of the world with a big payday coming in, or you're in the depths of despair scratching around to pay your bills.
2 - Having a partner that's different to you. You may see the logic but your partner's just 'not there' yet. Or perhaps you may have some pretty crazy idea's, and you need someone to keep you fully planted on the ground. Being with someone who's different is good, but it makes decision making a little 'challenging' sometimes.
Enjoy the podcast and thanks again Emma for sharing your story!
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here): NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
Ready, set, start-up!
Kiwi’s and start-ups go hand in hand, and while we’re a tad late to the party, we’re catching up fast! Anand Ranchord joins us in this episode to talk about the ‘KFA’. The Kiwi Fintech Accelerator is an intensive 3-month long programme responsible for the birth of many new start-ups such as Hnry (EPISODE 41)and Sharesies (EPISODE 10).
You could say, many of the firms currently in gestation have the ability to disrupt the incumbents, specifically banks. So why would two banks, in this case, Kiwibank and SBS, get behind such a programme?
In this episode, we also explore some solutions, that companies who’ve come through the programme already, have provided:
User experience. Reduce friction, increase accessibility, and you win. It’s not about how smart you are if you’re keen to invest. Democratising access. Lowering price or ‘buy-in’ barriers increases accessibility to the everyday investor. Lowering other barriers to entry. A customer-centric problem-solving approach dictates what needs to be solved in order to bring new users on board.
Some of the solutions from the latest round of founders?
All of the above and… Fractionalisation. By breaking down substantial assets into more divisible units, you invite more parties to the transaction and provide higher levels of liquidity to that asset class. Shared ownership. This is an excellent example of an already established ‘problem to solve’, waiting for better technology to facilitate it. Now with maturing blockchain developers in the fintech space, shared ownership will soon be an easy thing to facilitate. Values alignment. Ultimately this expression of ESG-based investment principles will continue to be played out in the fintech space, specifically with payments and investment planning services. Reg Tech. Regulation is good for us all, but often clumsy to implement – here’s a problem begging for a solution.
There are some other macro-themes that we cover in today’s episode:
The world may move closer to open architecture with a decentralised governance structure. The existing players in this field can resist change for only so long – for financial services provider to survive in the new world, being open to ‘open’ is critical.
If the pie grows, we all win. You can see that ‘change is changing’ when you see competitors joining forces to help grow ‘NZ Inc’, as evidenced by SBS Bank and KiwiBank with their support in the KFA.
To learn more about the KFA check out: Nzfintech.kiwi
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here): NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
The following podcast recording was inspired from a question recently received from a subscriber to the show. If you have a question that you'd like me to have a go at answering, please reach out on darcy.ungaro@nzeverydayinvestor.com
Myth, madness, or just good method - does the practice of renovating a property ever add value?
Myth: Renovations can 'add value' to a property...
First, a quick note: This episode is opinion only - you may not agree with a lot of what I'm sharing here, especially if you haven't renovated or build a home before. In many cases, people successfully complete builds and renovations all the time, and with great success too. The amount of risk, that home-owners take in completing renovations, however, can be much higher than they realize. Like anything, if you're taking a risk, you need to know that the magnitude of the reward is worth it. With renovations, the relationship between risk and return is extremely murky indeed!
In most cases, renovations don’t add value to your home, beyond the amount you’ve spent on getting the job done (if you're lucky). When you overlay other expenses like time off work, loss in productivity, and other non-financial expenses like stress - the cost can be huge. Is the benefit really worth it? Is this renovation more about scratching a 'mid-life crisis itch', perhaps a manifestation of your desire for more - is it really a good idea?
"Renovations have to 'add value' as I’ve watched people all the time do it on TV!"
Hmmmmmm... When you bought the place, the location, size, proximity to school zones, but most importantly, the potential, was already factored into the price you paid for the property – This is why, in reality, it's rare that people make a profit on a renovation.
In this podcast we discuss:
-Renovating a rental property
-Property flipping
-Renovating your home
Normally during the renovation (which can last a couple of years!), there’s been an appreciation in the value of the land. Let’s be honest, it’s the land that your home sits on, where the value is – and in a rising market, often the renovators take credit for the work the dirt does on its own. The dwelling’s a liability!
Renovations involve a lot of money and could dramatically affect where you end up in retirement. Unless you’re keen for some pain and stress (not just on yourself but with your partner), think twice about doing a big renovation on your home. With investment properties, unless it's increasing the rental income, why would you even bother? With property flipping, are you really able to add genuine value during the period of time that you're going to own the property for - ensure that you're not 'ribbing' the future purchasers of the potential to profit themselves - opportunity adds value to a property, so don't take that away.
You've likely heard this truth before – it will cost twice as much and takes twice as long compared to what you’re already thinking.
If you're into property, don't focus on the metal and wood too much - it's the land that builds the wealth. The dwelling is just a tool to aid in owning the land over your investment horizon.
The great thing about The Matrix (the movie), is that it forces you to consider the possibility of a reality which is contrary to our assumptions. What gives us ‘peace’ though around this, is knowing that ultimately, it’s fiction. There are startling parallels you can draw from this movie into a few realms though, with money being one of them. We believe, and we mostly have a high level of faith that the currency we use is reliable – my $100 note is as good as yours, and as at today I know what I could buy with that note as do you. What if that note was merely fiction though? What if it was an IOU, underwritten by someone who couldn't pay you back the value of what it represented. There are many, and I would pop them into the ‘fringe’ category, who believe just this. You shouldn't rule out the message of these conspiracy theorists too quickly though – just because the masses don’t believe them, doesn’t make them wrong. Why this is important to learn about if you’re into building wealth, is that with any desirable resource, ideally, you want to grow it, and you want to store it. If the currency in which your investments are denominated in could one day be worthless, shouldn’t we be concerned? You have to acknowledge the possibility, however remote that there may be some truth in these conspiracy theories - check out https://www.youtube.com/user/whygoldandsilver (https://www.youtube.com/user/whygoldandsilver) for possibly the best-articulated narrative around this. Some of the conclusions are pretty radical, and yes, there is an agenda from this source, but it gives you a glimpse as to what the future could be if the current monetary system falls over – if the masses lose faith in fiat money. Fiat money, as defined by Investopedia, is a government-issued currency that is not backed by a physical commodity, such as gold or silver. The value of fiat money is derived from the relationship between supply and demand and the stability of the issuing government, rather than the worth of a commodity backing it. Most modern paper currencies are fiat currencies. If you’re into cryptocurrencies like Bitcoin, you know that storing your wealth on an exchange is risky – no keys no coins – in fact, learning how to be your own bank and store your crypto is critical before you even start to buy it. In the context of traditional wealth development, you perhaps own shares, property or have some funds in term deposit etc. You value the worth of those assets using currency. Inflation is the process of ‘value-decay’ that occurs with the currency you use. Inflation is not merely the greed inherent in all of us to increase prices and ask for higher wages over time – it’s the loss of purchasing power. Inflation is one of the reasons why we need to develop wealth – if you don’t use it, you’ll lose it. Investing helps you to grow a return, which is higher than the rate of inflation, and for this reason, a bit of inflation can actually be kind of good. But back to currency – note the following characteristics: Durability Portability Divisibility Fungibility Limited supply Store of value When central governments and when banks, can effectively print more money than what they hold, currency, fails the definition of being money. J.P Morgan nails it in this quote: *Gold is money. Everything else is credit. For something to be considered money, it should be a reliable store of value. Bitcoin has this potential as there’s a finite supply, currently around 18m and it can only ever be 21m. Keep in mind though that Bitcoin’s only been around for about 10 yrs. Gold and Silver has been used throughout history – it’s the ‘original money,’ and it’s what we’re talking about today in this podcast episode. Gold is perhaps something you should consider as part of your overall portfolio (consider it – research it – this isn’t financial advice remember). Maybe the best receptacle for your wealth generation activity could be Gold. Fiat money is like...
The great thing about The Matrix (the movie), is that it forces you to consider the possibility of a reality which is contrary to our assumptions. What gives us ‘peace’ though around this, is knowing that ultimately, it’s fiction. There are startling parallels you can draw from this movie into a few realms though, with money being one of them.
We believe, and we mostly have a high level of faith that the currency we use is reliable – my $100 note is as good as yours, and as at today I know what I could buy with that note as do you. What if that note was merely fiction though? What if it was an IOU, underwritten by someone who couldn't pay you back the value of what it represented. There are many, and I would pop them into the ‘fringe’ category, who believe just this. You shouldn't rule out the message of these conspiracy theorists too quickly though – just because the masses don’t believe them, doesn’t make them wrong.
Why this is important to learn about if you’re into building wealth, is that with any desirable resource, ideally, you want to grow it, and you want to store it. If the currency in which your investments are denominated in could one day be worthless, shouldn’t we be concerned?
You have to acknowledge the possibility, however remote that there may be some truth in these conspiracy theories - check out https://www.youtube.com/user/whygoldandsilver for possibly the best-articulated narrative around this. Some of the conclusions are pretty radical, and yes, there is an agenda from this source, but it gives you a glimpse as to what the future could be if the current monetary system falls over – if the masses lose faith in fiat money.
Fiat money, as defined by Investopedia, is a government-issued currency that is not backed by a physical commodity, such as gold or silver. The value of fiat money is derived from the relationship between supply and demand and the stability of the issuing government, rather than the worth of a commodity backing it. Most modern paper currencies are fiat currencies.
If you’re into cryptocurrencies like Bitcoin, you know that storing your wealth on an exchange is risky – no keys no coins – in fact, learning how to be your own bank and store your crypto is critical before you even start to buy it.
In the context of traditional wealth development, you perhaps own shares, property or have some funds in term deposit etc. You value the worth of those assets using currency. Inflation is the process of ‘value-decay’ that occurs with the currency you use. Inflation is not merely the greed inherent in all of us to increase prices and ask for higher wages over time – it’s the loss of purchasing power.
Inflation is one of the reasons why we need to develop wealth – if you don’t use it, you’ll lose it. Investing helps you to grow a return, which is higher than the rate of inflation, and for this reason, a bit of inflation can actually be kind of good.
But back to currency – note the following characteristics:
Durability
Portability
Divisibility
Fungibility
Limited supply*
Store of value*
*When central governments and when banks, can effectively print more money than what they hold, currency, fails the definition of being money. J.P Morgan nails it in this quote: Gold is money. Everything else is credit.
For something to be considered money, it should be a reliable store of value. Bitcoin has this potential as there’s a finite supply, currently around 18m and it can only ever be 21m. Keep in mind though that Bitcoin’s only been around for about 10 yrs.
Gold and Silver has been used throughout history – it’s the ‘original money,’ and it’s what we’re talking about today in this podcast episode. Gold is perhaps something you should consider as part of your overall portfolio (consider it – research it – this isn’t financial advice remember). Maybe the best receptacle for your wealth generation activity could be Gold.
Fiat money is like casino chips or monopoly money –...
When seeking financial advice? What should you know before you start shopping around for an adviser to work with?
Some of it comes down firstly to you: What's your expectation/what outcome would you like to get after an interaction with a financial adviser? Are you keen to get your 'hands dirty' also or do you want to allow that adviser all or some of the decision making in relation to your portfolio?
Some of us will never use an adviser and that's totally fine. Many who do use and pay (either directly or indirectly) for this are actually paying for something that may not make a meaningful difference on the return on a portfolio. Others, more likely the newbie or self-directed investor, save on costs but are they missing out on something important?
If using a financial adviser and an investment adviser specifically, is something you're going to do, then it pays to do a bit of groundwork first in order to understand what makes them tick.
On the topic of adviser regulation, unfortunately, it's the ambulance at the bottom of the cliff. Real change will be ushered in by a new breed of adviser armed with new technology and the aim: Provide a higher standard of qualified advice that you'd expect from a reputable firm, but with the personalised touch of someone you have a real relationship with.
Essential reading for this episode: https://www.myfiduciary.com/fiduciary-perspectives.html
Aaron Drew joins us today for the last part in a broad discussion on this theme of ‘conflict of interest’
Aaron is an experienced investment professional and consultant.
He is a Principal at MyFiduciary and Fi360 Pacific and provides investment support to a range of Adviser groups and Investors.
Aaron serves as a Trustee for the Fairground Foundation and the Investment Committees for Foundation North, Metis Research Group and Taupo Moana Investments. He is also an Associate of the NZIER and leads the Sovereign Funds research program at the New Zealand Institute of Pacific Research.
Aaron is an economist and his experience includes seven years for the New Zealand Superannuation Fund where he was a member of its Investment Committee and helped establish its passive Reference Portfolio governance benchmark, dynamic asset allocation strategy, and thematic investment strategies. He’s worked as a principal economist for the NZIER, at the OECD in Paris, as a consultant for the IMF. In addition to that he’s also worked as a CIO for the Stewart Group, and at the Reserve Bank of New Zealand where he led the research division as was a member of the Bank's Monetary Policy Committee.
This is going to be an interesting discussion and a must listen if you want to learn more about potential conflicts of interests in the world of investing. Note that this is a two-part recording, be sure to subscribe to the show next week.
To get a hold of Aaron Drew please check out https://www.myfiduciary.com/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here): NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
When seeking financial advice? What should you know before you start shopping around for an adviser to work with?
Some of it comes down firstly to you: What's your expectation/what outcome would you like to get after an interaction with a financial adviser? Are you keen to get your 'hands dirty' also or do you want to allow that adviser all or some of the decision making in relation to your portfolio?
Some of us will never use an adviser and that's totally fine. Many who do use and pay (either directly or indirectly) for this are actually paying for something that may not make a meaningful difference on the return on a portfolio. Others, more likely the newbie or self-directed investor, save on costs but are they missing out on something important?
If using a financial adviser and an investment adviser specifically, is something you're going to do, then it pays to do a bit of groundwork first in order to understand what makes them tick.
On the topic of adviser remuneration, most advisers will charge a fee for their service but how this fee is calculated varies greatly. Sometimes there may even be revenue coming from both sides (the 'supplier' and the consumer). Other types of advisers will receive a commission from the supplier, specifically mortgage and insurance advisers. There's power in compounding returns, but it would be great if you could also avoid conflicted returns.
Essential reading for this episode: https://www.myfiduciary.com/fiduciary-perspectives.html
If you’ve decided to get some advice around being a bit more active in your investment decisions, you’re likely going to pay a fee for it somehow – whether that be to an investment adviser, or to a fund manager, how can you discern what is fair and reasonable for this service?
Aaron Drew joins us today for a broad discussion on this theme of ‘conflict of interest’ Aaron is an experienced investment professional and consultant.
He is a Principal at MyFiduciary and Fi360 Pacific and provides investment support to a range of Adviser groups and Investors.
Aaron serves as a Trustee for the Fairground Foundation and the Investment Committees for Foundation North, Metis Research Group and Taupo Moana Investments. He is also an Associate of the NZIER and leads the Sovereign Funds research program at the New Zealand Institute of Pacific Research.
Aaron is an economist and his experience includes seven years for the New Zealand Superannuation Fund where he was a member of its Investment Committee and helped establish its passive Reference Portfolio governance benchmark, dynamic asset allocation strategy, and thematic investment strategies. He’s worked as a principal economist for the NZIER, at the OECD in Paris, as a consultant for the IMF. In addition to that he’s also worked as a CIO for the Stewart Group, and at the Reserve Bank of New Zealand where he led the research division as was a member of the Bank's Monetary Policy Committee.
This is going to be an interesting discussion and a must listen if you want to learn more about potential conflicts of interests in the world of investing. Note that this is a two-part recording, be sure to subscribe to the show next week.
To get a hold of Aaron Drew please check out https://www.myfiduciary.com/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help...
In this episode, we explore the foundations for property investment - the goal here is to get a good solid base down before building anything on top of it.
This episode ties in with a free e-book, that we're happy to provide upon request.
Foundations go deep, they’re often unseen, but they do need to be strong, whatever material you use. What this episode does not cover, are specifics around strategies: Things like tax structures and ownership vehicles, identifying the right investment property for your goals, interest only vs principal and interest loans, co-owning property or shared equity models etc. These are great things to explore in further episodes but they are not what I would consider foundations, they would instead form part of your strategy, and ideally would be specific to you.
We're covering this topic in the context of property, but in some part, these foundations could be applied across the other asset classes like cash, fixed interest, equities and alternatives - so you’re not wasting your time here if property isn’t your gig.
We’re going to cover 9 topics in this episode and they are:
1 - Property investment - Is it a good idea?
2 - Good debt - bad debt - or no debt?
3 - Capital gains vs cashflow?
4 - Identifying your objectives
5 - What can go wrong?
6 - Assumptions
7 - The other options
8 - The reason why
9 - What’s holding you back? Real or mental restrictions.
To either request a copy of the free e-book on this topic or to have a conversation around how I can assist you with developing your own property investment strategy, click on the following link: https://ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here): NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
There's romance in the air! Kiwisaver, slightly immature but showing a lot of promise, has been keen on a relationship for a while: Good looking returns, and ideally not a long distance love affair would be ideal. Private equity has been living at home for a while now wondering if she'll ever move out and attract decent levels of interest without having to move abroad. It all started at an office work party and the rest is history!
Sam Stubbs, CEO of Simplicity Kiwisaver joins us along with Robbie Paul, who heads up Icehouse Ventures to discuss these topics and more.
'Icehouse Ventures will be co-owned between The Icehouse start-up accelerator, Sir Stephen Tindall's investment company K1W1, Simplicity and investment banking firm FNZC.' https://www.stuff.co.nz/business/112029338/sir-stephen-tindall-simplicity-the-icehouse-and-100-million-for-startup-companies (See article here)
Kiwisaver is now approaching $50b in funds under management - this is on track to grow to closer to $200b FUM by 2030 - in just 11 years time. Where's that money currently invested? Well, about 36-37% is invested in NZ markets but unfortunately, this proportion is shrinking. Is it 'good enough' to have such a narrow focus on the objectives of investing as to increase returns whilst minimising risks? What about the spill-over effects associated with home-grown startups?
Meanwhile, startups in NZ struggle when they approach 'the gap', the period of time where capital requirements range from $1m-$10m - the funding just isn't there to the extent that it needs to be. The result is that many startups end up going offshore and whilst NZ still benefits to some extent, it's not to the fullest extent.
We've had Simeon Burnett (episode 23) from Snowball Effect and Tim Preston (episode 32) from CM Partners on the show to discuss the gap in a bit more detail if you want to check those episodes out.
From the perspective of the NZ Everyday Investor there's a theme running through this episode: Quantitative easing and demographic shifts are causing persistant and low-interest rates. More investment flows through to equities and property markets as a result. Technology and the speed of innovation are democratising investing options - the financial market place is transforming. Blink and you'll miss it - NZ, we're at the crossroads right now. As investors, the end result is that the appetite for risk MUST increase in order to get a meaningful return. The only way to mitigate risk is to increase the investment time horizon.
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We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here): NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
From '06 to 2012 there was sixty-seven finance company collapses in New Zealand. An inquiry by the New Zealand Parliament estimated losses at over $3 billion that affected between 150,000 and 200,000 people. It seems almost everyone knows at least one horrific tale of life savings lost due to being lured in by high returns and a slick sales process. Where can we lay the blame here ? On unscrupulous sales tactics by the providers, on the advisers who were heavily incentivised to promote products that were not fit for purpose, or on lax regulation? Perhaps some of the blame could be pointed at naive investors themselves even, but really? Investors who got burned here are kind of like the victims of spousal abuse - it's pretty harsh to say they were to blame in the slightest as surely we should have a structure in NZ that protects people like this.It cannot be overstated how much this tragedy impacted everyday mum and dad investors, many of whom were on the final approach to their own retirement. In the area of financial services, the Financial Advisers Act 2008 and Financial Service Providers (Registration and Dispute Resolution) Act 2008 were enacted which dealt with some of the risks associated with dealing with financial advisers - currently, the FSLAB (Financial services legislation amendment bill), will go even further to ensure that the conduct and client-care obligations of financial service providers and the regulation of financial markets remain fit for purpose for consumers. Ever since the GFC, understandably, there's been a little less trust in the financial advice profession. This doesn't help when you throw in the topic of commissions. In Australia recently there was a Royal Commission into misconduct in the Banking, superannuation, and financial services industry. Check out this link https://www.myfiduciary.com/fiduciary-perspectives.html (https://www.myfiduciary.com/fiduciary-perspectives.html) . Vertically integrated business models often seen with the Australian banks came under increased scrutiny. As a result, many Aussie banks started to offload their wealth and insurance business in order to reduce this perceived conflict of interest. In NZ the discussion heated up slightly around the topic of linking remuneration to volumes of business. Almost overnight insurance companies cancelled their overseas trips for insurance advisers, and many banks removed performance-based bonuses for high performing mortgage advisers. Since then, I've been thinking a lot on this topic- If financial advisers, who are supposed to be acting in the best interests of their clients, are receiving a commission for placing business with a bank or insurance company, surely there's a conflict of interest here right? Now you may not ever use a mortgage adviser, an insurance adviser, or an investment adviser, but if it's of interest to you as to how they work, then join us today as we lift the bonnet on this topic of commission conflict. In the process hopefully, you'll be better equipped to make a good decision around whether or not to use an adviser and if so, hopefully after this, you'll be better equipped to choose the right type of adviser for you.Derek Blank, and AFA joins us to finish up this discussion. Now I know we're focusing a lot on the money side of the equation specifically what financially motivates financial advisers - don't think that's all that's relevant when making a decision around what type of adviser you should choose to work with. Ponder this question - can you trust the advice of someone when you know they are receiving income should you follow their advice? Are they advising you or are they selling to you? Here are some examples of where the line between sales and advice can often get blurry: getting new tires. going to a medical specialist who not only advises on your options but gets paid if you choose to proceed with elective surgery. using a solicitor to resolve a conflict - considering they bill for
Retirement poverty - that's a thing and it's discouraging to hear it's a growing problem in NZ.
According to an OECD report from April 2018, just 10.6 per cent of over 65s in New Zealand were considered to be living in poverty compared to the OECD average of 12.5 per cent (good news, but wait for it...). But of those 76 and over, 15 per cent were in poverty compared to 13.9 per cent across the OECD.
Living off super, without any extra capital to draw down on in your later years (when health may start to fail,), is not at all ideal.
What are the current solutions to live an enabled retirement in NZ?
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Live off the interest from savings? With record low interest rates and no sign of this changing any time soon, the strategy still relied on by many, is quickly failing. Depletion of capital will still have to occur, putting further downward pressure on very modest interest income already.
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Invest in riskier asset classes? Great idea in general but in your golden years with a shorter investment horizon, would it really be wise to risk losing some of your capital due to market cycles? Even if the best advice in this space is delivered to this community, I wonder if for the majority of retirees (who have lived through the stock market crash of '87) this is a step too far?
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Sell the family home and downgrade in value? Often the locations retirees move to is further away from family and medical care - again, not ideal. Sell and rent, sell and move into a retirement community etc - all great ideas and in practice, when one is fortunate enough to have a home at retirement, this works great. It does, however, incur fees, and take equity away from the individuals who really need to be enjoying themselves.
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Get a reverse mortgage? Touted by some as a great solution for many, in a lot of cases this forces retirees to make a deal with the devil they just vanquished from their finances. Often there is no other option and should be considered, but it's by no means a solution that all should adopt.
Assisting retirees who are equity rich but cash poor and the next generation who are cash rich but equity poor, is a problem begging for a solution. I have every faith that something will happen in this space at some stage - but what about any other current options?
A variable rate annuity. This is the solution that Lifetime Retirement Income provides. You put money in, and you get a fixed income for life - simple. It's not something that I'd consider an investment, but it is something that effectively solves a problem - providing fixed income, to supplement super which is guaranteed, and invested in a way to provide returns greater than the rate of inflation.
After working with AXA on a similar product that never saw the light of day (due to its sale), Ralph Stewart had the inside knowledge, the expertise, and the foresight to bring this product into existence in NZ and in 2013 he started Lifetime Retirement Income.
One of the key points that became clear in this conversation, is that innovation is welcomed by the FMA (financial markets authority).
Innovation should not only focus on user experience, but it should also focus on product design. New Zealand is very much lacking retirement annuity products that can be used to supplement income on top of super.
This product is not the only tool that could be implemented, but with advice, it may be appropriate for some individuals. As always, I'd highly recommend independent advice from an authorised financial adviser before embarking down this path.
Where to find Ralph Stewart - check out www.lifetimeincome.co.nz
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We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others –...
Financial exclusion - it's rife in NZ and it especially affects self-employed, independent earners, in a way most don't know about.
What's an independent earner? Someone who derives an income outside of the standard full-time PAYE salary working for someone else. This includes those small to medium-sized enterprises who employ about 97% of the Kiwi work-force and it also includes the many sole-traders that exist too.
The majority of Kiwi's who are independent earners often miss out on the benefits the rest of the population enjoy interacting with financial services - specifically seeking credit, and investment opportunities.
Whilst this problem can be overcome through good cashflow management and determination, often independent earners are focussed on doing what they do best - earning. Often the work they have to do around tax planning, compliance and budgeting crowd out their focus in other areas. As a result, there's not much left over to contribute to Kiwisaver or worse, their financials are a mess when they need to approach the bank.
It would be ideal for independent earners to be in a position which is just as good as their employed counterparts at time of retirement but this may not be the case. Often, due to the fact, there's no employer matching their contributions, they feel less inclined to contribute towards Kiwisaver or even join the scheme at all - this is pretty sad as they still have the free $521.43 pa available to them from the government each year.
Ask any bank or mortgage adviser who the most difficult clients are - it's those who are self-employed, and it's not because they don't earn good money! It's because the way credit providers assess applications does not easily accomodate 'non-standard' (ie PAYE) income. Often it's the self-employed who pay higher interest rates on credit due to this fact.
James Fuller started Hnry to attempt to solve this problem that independent earners have and in the process, he's helping a huge chunk of Kiwis become financially included.
Where to find James? www.hnry.co.nz
James Fuller is the Co-Founder and CEO of Hnry, an online platform that allows anyone to take advantage of earning income independently, without worrying about the financial admin that goes along with it. With a career spanning development, technology consulting and startup coaching, James is one of NZ’s foremost authorities on the future of work and the ‘gig’ economy, who now helps individuals and organisations prepare and adapt to this growing movement”
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here): NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
In this episode, being part two in a recent series with Jeremy Couchman, a Senior Economist at Kiwibank - we discuss the state of the NZ property market in light of a potential capital gains tax. We also divert to discuss an interesting concept called UBI.
The property market, anecdotally at this stage at least, appears to have taken a hit - data to confirm this will follow I suspect. Reasons?
We're already well into year one of a potential 4-5 year modest period of growth
New government policy starting to bite
Tougher lending guidelines that restrict credit availability
Changes to 'ring-fencing rules'
Effects from increasing the 'bright line' test from 2 to 5 years
Correlation effects of the Australian property market
most importantly, the discussions around a proposed capital gains tax
There's still fundamentally a supply side issue and an extremely low-interest rate environment which is providing a floor of support - in other words, don't panic!
Jeremy discusses the impact and the logic behind the proposed capital gains tax, from the perspective of government policy and macro-economic theory.
Then, get ready for UBI! Although it's unlikely to take hold in NZ, anything is possible and with the current government, and it would be kind of interesting to explore this further. A universal basic income would be interesting if rolled out in NZ - imagine everyone in getting a base level of income, no matter who you are. On the right, it may reduce resentment and on the left, it may reduce the anxiety around having to find work. It's a contentious one but one that's been trialled overseas. In the podcast, we mention Alaska, where a form of UBI is in effect and Manitoba (Canada), where a form of UBI was trialled in the '70s. Could this be a solution to address the technological displacement of the current workforce? Check out the following:
http://freakonomics.com/podcast/mincome/ http://fortune.com/2018/08/03/universal-basic-income-ontario-canada/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here): NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
Jeremy Couchman, an economist at Kiwibank, joins us today to discuss the growing international risk of populism.
As populist leaders from both sides of the political spectrum ride waves of fear and a sense of social justice into power, there are real and present dangers to equity markets across the world. Depending on the leader, the climate, and the chosen enemy of the day, many leaders today have been placed in positions of authority on promises to address real concerns from the masses - will the people get what they bargained for or something else?
Typical 'enemies' used by populist leaders include:
immigration
globalism
'the wealthy elite'
technology
Traditionally personal income has come from the trading of your labour for income. Increasingly though, we're seeing this shift towards income from the deployment of capital. Those who control the capital receive a greater share of the income. Technology enhances the return on capital further as seen by the likes of Facebook, Amazon, Netflix and Alphabet - they give but they also take away. As more of the workforce becomes displaced by technology will there will an uprising - a rage against the 'machine'?
You can immediately think of leaders internationally that could be labelled populists, but there's two things to be said about that: 1 - This is nothing new under the sun and 2 - Populism does not favour the left or the right of the political spectrum - could we safely assume we are free from this type of leadership in NZ?
These questions are explored, and more, in this episode with Jeremy Couchman. Be sure to listen in next week to part two, where we explore capital gains tax from a macro-economic perspective and the state of the NZ property market.
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our show on https://www.patreon.com/Nzeverydayinvestorpodcast (Patreon by contributing here): NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
Amanda Martin is a Tax Principal at tax specialist firm, nsaTax Limited. Amanda advises on a wide range of taxation law and provides practical and plain English solutions for her clients. Amanda has a particular interest in the taxation of land and the recent legislative reforms to the taxation of residential land. Amanda has a Bachelor of Commerce and Bachelor of Laws and is a CA member of Chartered Accountants Australia and New Zealand with over 20 years’ tax advisory experience.
Capital Gains Tax. As our country matures, is it time to not only tax the fruit of our labour and the leaves but now the tree itself?
Please take the time to read the actual report and form your own opinions - https://taxworkinggroup.govt.nz/resources/future-tax-final-report
1 - What is 'Capital Gains Tax'. Simply put, it's taxing the tree. Currently in NZ you pay tax on income derived from physical exertion (labour) ie the fruit, you pay tax on earnings that come from capital (leaves), but you do not normally pay tax on the tree itself (the increase in the value of the capital itself). Under the proposed legislation the gain in the value of your capital whether held in property or shares (in Australasia) would be payable in addition to the income tax you paid in order to acquire that asset (as well as the dividend, interest or rental income also received.) a - Bright Line Test. Extended from 2 years to 5 years around this time last year, the gains made on residential property (outside of the primary residence) is already going to be taxed at your marginal tax rate. The proposed CGT may render this rule redundant. b- Ring-fencing of tax losses. This rule change is almost guaranteed to go through with an effective date being 1/4/19. If you make a 'loss' on a rental property traditionally you've been able to offset that against your personal income tax liability. These losses will soon be 'contained' and whilst it may offset future taxable income there may soon be no immediate tax relief that we currently enjoy. In an episode with accountant Karl Moreton, we delve deeper into these two issues separately (https://vimba.co/?source=ungaro (check it out))
2 - What's the likelihood that the proposed CGT will go ahead as proposed?
Well, most would suggest it's a certainty that it will only proceed after some fine-tuning. Originally it was discussed the changes in tax around capital gains would be tax neutral, having the effect of redistributing wealth from the 'haves' to the 'have-nots'.
This is where politics and the safety net of our democratic system come into play - assuming most Kiwi's understand the impact of the proposed CGT and express their opinion not just on facebook but at the polls - ultimately what's best for NZ is what the majority think it should be...right?
3 - How will the proposed tax changes affect the NZ Everyday Investor?
This will impact every Kiwi - for richer or for poorer. Hopefully out of this there's going to be some healthy debate around the following questions:
Will this be perceived to be 'punishing' those who take a risk, innovate, build wealth and employ Kiwi's? Even if it's not punitive, will it be perceived like that?
Will the 'middle' or those aspiring to build wealth, pay the bulk of the cost for the upper 1% who will likely find ways still to avoid paying this tax?
Will those with wealth move to another country?
Will this remedy in any part the housing crisis? Some would suggest that the value of lower-priced homes (typically homes that are acquired by property investors) will fall at a greater rate relative to larger owner-occupied style homes (the 'mansion effect')
Fair Dividend Rate (FDR) taxation rules applied to overseas shares will be more appealing now in light of a new CGT on the gains on shares held in Australia and NZ. Is this something that the NZX really needs right now and if seeking capital, would a startup or SME be able to resist a growing temptation to move off-shore?
A personal note in light of the recent events in Christchurch:
I was fortunate to meet with Zainab and spend a couple of hours with her in the studio recently for this recording - personally it was an enriching experience to learn more about the Muslim community that is now part of NZ - I'm saddened as all NZ is around what has happened recently and offer up genuine heartfelt condolences to those impacted by this terrorist attack.
This is part two of a recording with Dr Zainab Radhi
In this episode we're continuing the discussion on the tools of Islamic Finance have - this could be a valid system and a new way for everyday NZ'ers to build wealth. We're talking today about how it works with property and how it could also work for small to medium-sized enterprises (SME's)
Where to find Zainab? Check out http://www.smartstartbusiness.org.nz
NZ Everyday Investor Podcast:
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We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
https://www.patreon.com/Nzeverydayinvestorpodcast (Help support the mission of our show on Patreon) - NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
A personal note in light of the recent events in Christchurch:
I was fortunate to meet with Zainab and spend a couple of hours with her in the studio recently for this recording - personally it was an enriching experience to learn more about the Muslim community that is now part of NZ - I'm saddened as all NZ is around what has happened recently and offer up genuine heartfelt condolences to those impacted by this terrorist attack.
Dr Zainab Radhi
A social justice financial system
We’ve covered already how blockchain technologies a la decentralised financial systems can help create a type of social justice financial system – so what about Islamic Finance?
If there's disruption up ahead, think about where it will come from, how it will help you as an investor (or harm you) and how you can prepare for new ways of building, storing or transferring wealth. The disruption up ahead that I'm talking about isn't just from technology, it's from the masses who've been excluded from the current financial system. What systems could work to assist is one question - but I have another question: What other systems currently work?
Continuing on a theme which may disturb our traditional thinking around in traditional financial markets in the west, we’re looking at the tools of Islamic Finance.
After the Islamic/Ottoman Empire, Islamic Finance lay dormant for centuries only to reappear (relatively recently) about 100 years ago. Now Islamic Finance (IF) is one of the fastest growing areas in the banking industry today – Why is this? Is it because of the growing population of Muslims (currently around 1.8b) or is it possible that their financial system works better than that in the West? The Islamic financial system represents a global market of USD 2.2 trillion annually.
I'm keen to know if some of the IF tools out there could assist in the following areas:
-Risk shifting. Risk shifting has many connotations, the most common being the tendency of a company or financial institution facing financial distress to take on excessive risk. This high-risk behavior is typically undertaken with the objective of generating high rewards for equity owners — who face little additional downside risk, but may garner significant extra return — and has the effect of shifting risk from shareholders to debt holders. https://www.investopedia.com/terms/r/risk-shifting.asp (See) . The GFC was a great example of risk shifting – who footed the bill for bailing out the banks and who came out unscathed here?
- Financial exclusion. There’s not much for delivering financial services and advice to those who are unwilling or unable to pay for it. As a side effect however a large proportion of the world are trapped in poverty as a result. This is a problem that affects everyone so yep, may pay to front-foot this one.
-Mis-aligned interests. A creditor only wants to see the debt repaid plus interest, they don’t care how it happens.
-The death of the interest rate. In an overly simplistic model, as money supply increases, the cost of money goes down. Investors are forced into taking much higher levels of risk today to generate a meaningful return.
The world bank has put a mandate on Governments of the world to put all options on the table to assist people from all walks of life to become ‘financially included’ – http://www.worldbank.org/en/topic/financialinclusion/overview. (see)
How is NZ responding to this? Currently, NZ does not offer any Islamic Financing alternatives like assisting buyers into homes without using traditional mortgages. The current system excludes a huge portion of the country that cannot pay interest without getting into conflict with their beliefs.
'The market’s not big enough’, with only about 60,000 Muslims in NZ I get it - it's not a profitable exercise. I wonder though, do we have to be a vegetarian to try the salad? Let me ask you this, if given the choice between borrowing to purchase a home at a 4% interest rate on...
Sam Blackmore: Restless Crypto Natives (Part Two) That word 'Crypto' already puts some people off but before you tune out, allow your mind to stay open long enough to let some understanding in - it's not rocket science (it's way worse!). The already and the not yet - blockchain technologies have developed to a point where already there's an alternative to our current centralised financial system. The move to blockchain based technologies will benefit us all, but especially early adopters. Understanding a bit about how it works could make all the difference between being the head and not the tail. This future will happen, and it will either move you, or move right through you. Why are we covering this - isn't it a bit fringe? Truth is, we're covering this because we can, and gosh darn it, it's really interesting! The ways in which we build wealth in the future will be significantly affected by this emerging technology so simply put, if all we ever covered was conventional wisdom around the current ways of doing things, we're not being true to the mission of this podcast. Remember when you taught your parents how to use their first smartphone? Well, you are them right now, and all the geeks are trying to show us something significant - pay attention. Essential reading firstly btw is this article, which has provided the basis for this discussion. As context let's briefly go back in time to around the era in which Bitcoin emerged. Lehman Brothers and the near collapse of Merrill Lynch, AIG, Goldman Sachs and Morgan Stanley - highlighted this thing called counterparty risk. In 2008, our faith in the current financial system became less immutable- there's no doubt about it. The current system, which we're all fully entrenched in is based on a principle of risk shifting (risk shifting happens when risky investment decisions maximise shareholder value at the expense of debtholders' interests). Eventually, when the deck of cards fall's down, those who have taken the 'risk-free' path of investing bear the brunt of the fallout. It's important at this point to make a distinction between learning about investing, which is what this podcast is not about, with learning how to create wealth that will last - which is what this show is about. All conventional wisdom that exists to help equip the self-directed investor build wealth under the incumbent system cannot necessarily be translated into the new decentralised financial system to come. New wine-skins for new wine - we're talking about a new world which is qualitatively different from what we know now - a transformed world. The current financial system- what words/phrases can we use to describe it: -Unequal access. About 27% of the world's population does not have access to a financial institution. I get this - banks are in this for a profit, and it's not feasible for them to serve some areas. -Censorship. Are you truly free to conduct business with anyone you like, free from interference and control by an outside force? -Lack of transparency - have a look at what Kenneth Haynes and the Royal Banking Commission in Australia is all about - we're all starting to expect that banks need to lift their game in this area -Counterparty risk. Now counterparty risk is what you accept when you enter into a contract with another party - what if they don't perform? Smart contracts, a computer protocol intended to digitally facilitate, verify, or enforce the negotiation or performance of a contract reduces this risk. Think about the last time you used a solicitor to help you with a contract - imagine if the contract itself had the power to enforce and to deliver built into it? So enter blockchain based technologies - let's call it a better wall to hang your art on. For many, the word Bitcoin immediately points their mind in a direction that implies speculation - fair enough too, with the crazy fluctuation in prices we've seen over the last two years one could be forgiven to think that...
Sam Blackmore: Restless Crypto Natives (Part One) - Getting on board with decentralised finance. That word 'Crypto' already puts some people off but before you tune out, allow your mind to stay open long enough to let some understanding in - it's not rocket science (it's way worse!). The already and the not yet - blockchain technologies have developed to a point where already there's an alternative to our current centralised financial system. The move to blockchain based technologies will benefit us all, but especially early adopters. Understanding a bit about how it works could make all the difference between being the head and not the tail. This future will happen, and it will either move you, or move right through you. Why are we covering this - isn't it a bit fringe? Truth is, we're covering this because we can, and gosh darn it, it's really interesting! The ways in which we build wealth in the future will be significantly affected by this emerging technology so simply put, if all we ever covered was conventional wisdom around the current ways of doing things, we're not being true to the mission of this podcast. Remember when you taught your parents how to use their first smartphone? Well, you are them right now, and all the geeks are trying to show us something significant - pay attention. Essential reading firstly btw is this article, which has provided the basis for this discussion. As context let's briefly go back in time to around the era in which Bitcoin emerged. Lehman Brothers and the near collapse of Merrill Lynch, AIG, Goldman Sachs and Morgan Stanley - highlighted this thing called counterparty risk. In 2008, our faith in the current financial system became less immutable- there's no doubt about it. The current system, which we're all fully entrenched in is based on a principle of risk shifting (risk shifting happens when risky investment decisions maximise shareholder value at the expense of debtholders' interests). Eventually, when the deck of cards fall's down, those who have taken the 'risk-free' path of investing bear the brunt of the fallout. It's important at this point to make a distinction between learning about investing, which is what this podcast is not about, with learning how to create wealth that will last - which is what this show is about. All conventional wisdom that exists to help equip the self-directed investor build wealth under the incumbent system cannot necessarily be translated into the new decentralised financial system to come. New wine-skins for new wine - we're talking about a new world which is qualitatively different from what we know now - a transformed world. The current financial system- what words/phrases can we use to describe it: -Unequal access. About 27% of the world's population does not have access to a financial institution. I get this - banks are in this for a profit, and it's not feasible for them to serve some areas. -Censorship. Are you truly free to conduct business with anyone you like, free from interference and control by an outside force? -Lack of transparency - have a look at what Kenneth Haynes and the Royal Banking Commission in Australia is all about - we're all starting to expect that banks need to lift their game in this area -Counterparty risk. Now counterparty risk is what you accept when you enter into a contract with another party - what if they don't perform? Smart contracts, a computer protocol intended to digitally facilitate, verify, or enforce the negotiation or performance of a contract reduces this risk. Think about the last time you used a solicitor to help you with a contract - imagine if the contract itself had the power to enforce and to deliver built into it? So enter blockchain based technologies - let's call it a better wall to hang your art on. For many, the word Bitcoin immediately points their mind in a direction that implies speculation - fair enough too, with the crazy fluctuation in prices we've seen over the last...
In economics there's something called the 'spill-over effect' - something that happens to other people, as a result of you going about your business. This can be good (positive externality) or bad...
Private equity activity has a positive impact on the public indirectly, when firms in search of good return for their investors, invest in small to medium sized enterprises (SME's). These businesses, many who are innovators not just in NZ but worldwide, will constantly require capital to grow. Forget shark tank, these are real businesses with real turnover, who are likely employing real NZ'ers (loads of them!). SMEs make up about 97 per cent of businesses in New Zealand and almost 70 per cent of them are single-worker businesses (see http://www.stuff.co.nz/business/10198006/SMEs-still-backbone-of-NZ-business).
We're so pre-occupied with profits staying in NZ that we've forgotten the thing that every Kiwi needs to survive - income. If the backbone of our economy (SME's) are not equipped to grow, what then? They either go off-shore, get bought by off-shore interests, or shut down. So by supporting SME's, we're ensuring jobs stay in NZ. Currently SME's don't receive all the support they need in NZ.
What about the NZ Super Fund and Kiwisaver providers? There's huge amounts of capital here in search of a rate of return for stakeholders but there's no mandate for them to invest in NZ businesses. The government is far more into start-ups - That makes for great headlines and scores some points perhaps but what about businesses who are actually already successful - shouldn't we back our winners first?
As everyday investors, even we have a role to play in supporting SME's - putting pressure on Kiwisaver providers to provide options which are NZ SME supportive would be a good start! Being able to choose, possibly through an open-sourced framework, where are Kiwisaver funds are deployed (multiple providers?) would also be good. It's not enough to be a low cost model for Kiwi's to access overseas investment options - these days I think smart Kiwi's will start demanding responsible and socially profitable investment opportunities here. It's arguably the best way we can support our economy - if we grow the size of the pie, we all win!
Note this is a two part show.
So Tim Preston is one of the principles of CM Partners - an independent boutique corporate and capital markets advisory firm that provides a full range of services to small to medium New Zealand businesses. Enjoy the show!
Where to find Tim: https://cmpartners.co.nz/#about
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion, hosted by someone who's genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our https://www.patreon.com/Nzeverydayinvestorpodcast (show on Patreon by contributing here): NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
In economics there's something called the 'spill-over effect' - something that happens to other people, as a result of you going about your business. This can be good (positive externality) or bad...
Private equity activity has a positive impact on the public indirectly, when firms in search of good return for their investors, invest in small to medium sized enterprises (SME's). These businesses, many who are innovators not just in NZ but worldwide, will constantly require capital to grow. Forget shark tank, these are real businesses with real turnover, who are likely employing real NZ'ers (loads of them!). SMEs make up about 97 per cent of businesses in New Zealand and almost 70 per cent of them are single-worker businesses (see http://www.stuff.co.nz/business/10198006/SMEs-still-backbone-of-NZ-business).
We're so pre-occupied with profits staying in NZ that we've forgotten the thing that every Kiwi needs to survive - income. If the backbone of our economy (SME's) are not equipped to grow, what then? They either go off-shore, get bought by off-shore interests, or shut down. So by supporting SME's, we're ensuring jobs stay in NZ. Currently SME's don't receive all the support they need in NZ.
What about the NZ Super Fund and Kiwisaver providers? There's huge amounts of capital here in search of a rate of return for stakeholders but there's no mandate for them to invest in NZ businesses. The government is far more into start-ups - That makes for great headlines and scores some points perhaps but what about businesses who are actually already successful - shouldn't we back our winners first?
As everyday investors, even we have a role to play in supporting SME's - putting pressure on Kiwisaver providers to provide options which are NZ SME supportive would be a good start! Being able to choose, possibly through an open-sourced framework, where are Kiwisaver funds are deployed (multiple providers?) would also be good. It's not enough to be a low cost model for Kiwi's to access overseas investment options - these days I think smart Kiwi's will start demanding responsible and socially profitable investment opportunities here. It's arguably the best way we can support our economy - if we grow the size of the pie, we all win!
Note this is a two part show.
So Tim Preston is one of the principles of CM Partners - an independent boutique corporate and capital markets advisory firm that provides a full range of services to small to medium New Zealand businesses. Enjoy the show!
Where to find Tim: https://cmpartners.co.nz/#about
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion, hosted by someone who's genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our show on Patreon by contributing here: NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
Practical Property Series: 10 things you should know when you've bought a home
In this episode I’m keen to help some people out – it’s not that you’re dumb, but unless you do this stuff every day you’re likely to benefit from at least a couple of points here. It comes down to this simple fact – your mortgage is likely your biggest expense and your home is likely your biggest asset (next to your self). When something’s a big deal, it warrants a little bit of thought right?
There really is an art to setting up a mortgage and it’s not something you normally read about outside of a conversation with your bank or mortgage adviser. Financial products or services should fit around you – but often it’s the other way around. Your mortgage structure should compliment your ‘money personality’, after all, the mortgage is a tool really and that’s it – the real emphasis should be on the people and what they’re trying to do.
So a big disclaimer here – this episode is about how to make better decisions around how to structure your home loan and what to think about when purchasing a home – it’s not a template for how to do it.
1 – Settlement date. One date that needs to be pinned down before the big decisions get made.
– You need to have a settlement date before you can negotiate an interest rate with the banks.
– You’re free to shop around with the banks right up until settlement (or about a week beforehand)
– Be aware of ‘off-the-plan’ purchasing. Don’t avoid it, just watch out for the traps
– Worried about rising interest rates before you settle on your property? Don’t. Many lenders are able to lock in the interest rates well in advance of settlement date rolling around (but there are things to watch out for here).
2 – Who’s the borrower and who’s the owner of the property?
– What about family trusts? Check episode 15 with legal expert Mason Lockhart – a once very common practice in NZ do trusts still have a place in owning property? Family trusts are increasingly becoming ‘tricky’ when it comes to the banking part of the transaction – if a family trust has been recommended by your legal advisers be prepared for more questions than what you’re normally used to.
– What about a guarantor? Well, what does that even mean any more? Banks currently are forced into assessing all parties to the loan in order to be viewed as ‘responsible lenders’ – if your parents are retired or have other debt, them acting as guarantor could open up a huge can of worms!
3 – Deposit – what do we even mean by that?
– The initial deposit – usually it’s 10% but can often be negotiated down to as little as 5%. This amount is held in a trust account until settlement date rolls around and then gets added to the amount that comes from the bank to make up the overall purchase price for the property.
– Now there’s the deposit that the bank cares about – this is the overall amount of cash inclusive of your initial deposit. In some cases, you may not have any more cash to throw in the pot but if you do, this needs to go to your solicitor on or before the settlement date. Note that the banks typically like to see confirmation that this deposit has been saved and if it’s coming from family, what are the fish-hooks if any?
4 – How much money do you need from the bank?
– Up to 80% and you’re not likely going to have much of an issue. You’ll get a good deal, and the rules won’t drive you crazy.
– Beyond 80% of the purchase price is when things get dicey. The banks need to be very confident in your ability here to service the proposed mortgage. As you don’t have as much ‘skin in the game’, they set the bar higher here in relation to the income that you need to be bringing in.
– Always ask for more than you need from the bank, so long as you don’t have to pay for the privilege – whilst you’re keen to repay your debt as fast as you can (heck,...
Why don't more Kiwi's invest? Perhaps it's apathy or perhaps it's inaccessibility - Hatch Invest aims to solve both these problems in one move.
Here's the problem - many Kiwi's shy away from investing in anything other than property. It makes sense why property has been the'go-to' for many of us who have already started our wealth journey, but for a whole new generation of New Zealanders, it's time to finally shake the hangover of the '87 stock market crash and bring some balance back into our ways of developing wealth.
Kiwisaver is a great start and for many, this may be their only exposure to equities (subject to the fund they have chosen). Kiwisaver has a branding issue however - it's not a savings vehicle, it's an investment vehicle - these two financial disciplines are different.
Developing wealth does not mean you're greedy - that comes from a scarcity mentality which permeates much of NZ culture - this needs to stop. There's more than enough to go around and if you're doing well, that doesn't mean someone else is suffering. More money means more freedom - we like being free correct?
One of the big themes in this recording is 'alignment'. Consumerism clouds much of our lifestyle but what if you could flip that around and instead of buying the next iphone, you purchase shares in Apple instead. What if you could give the gift of shares in a company that you believe in, rather than just purchase the end product? Be a part of the success rather than just a contributor?
Open banking - this will happen, and if you haven't heard of this yet don't worry, you'll hear a lot of it in upcoming shows soon. From retailers to Amazon, why does everyone benefit from my data, except me?
Confidence: Kiwi's lack this when investing - they feel like if the experience of investing is difficult, there's something wrong with them. Nothing could be further from the truth - yes, there is some learning required and not all jargon can be removed but here's the thing: The onus should be on the service providers, to make investing more accessible not just you. It's not about you simply conforming, as fintech companies (like Hatch) centered around you, are now cropping up to make things easier for you to play the game.
Hatch Invest is arguably the most efficient way currently on the market for Kiwi's to invest in the US sharemarket. It's a low cost model that allows you to purchase fractions of US shares like Apple, Tesla, Amazon etc. Hatch isn't the only one that will be operating in this space soon but they're one of the first to help Kiwi's hatch out of their apathy and gain a seat at the table of where the big players sit.
Thank you Hatch for your support of this episode and thanks also to Kristen and Natalie for coming on the show.
If you've enjoyed this episode and want to share some of your thoughts with the Hatch team around your perceptions with investing in shares, they'd love to hear from you - just email them on help@hatchinvest.nz
If you're ready to get started and open a Hatch account please check out https://www.hatchinvest.nz/how-it-works/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion, hosted by someone who's genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our https://www.patreon.com/Nzeverydayinvestorpodcast (show on Patreon by contributing here): NZ Everyday Investor is on...
And they're off! But before the race begins, how does one increase the odds of picking the right horse?
If it was any other plant it wouldn’t be a big deal, but there are mounds of empirical evidence to suggest and to conclude that cannabis can be effective as medicine. Oil based synthetic textiles and big pharma don't benefit if cannabis and hemp fiber thrive - consider it just a matter of how business works rather than just a big conspiracy.
Change is coming from the bottom up. A recent poll done in NZ suggests that up to 75% agree that medicinal cannabis should be treated the same as any other medicine - 35% said they would consider taking it for chronic pain.
The fact that this tide is turning means there’s an opportunity if you’re an entrepreneur or an investor - there's also plenty of opportunity to get stung too, as evidenced by the recent failure of Medicann, founded in March 2018, now already in liquidation. Certainly, from an overseas perspective, if a player in this space is to make it and thrive, it appears as though there are likely going to be three phases to go through: 1- a bubble phase 2- a re-alignment phase and the 3 - a 'squeeze' phase (when margins tighten and cannabis firms need to refine to thrive).
Cannasouth – a company that aims to be the first medical cannabis company to list on the NZX in mid 2019. Finally, outside of crowdfunding, retail investors can share in some of the excitement to come. Cannasouth is not the first Cannabis company we’ve had on the show (check out episode 11 and 12 - Paul Manning from Helius) and likely won't be the last.
Mark is the CEO and Nic is the COO – both have significant experience in business, the hemp industry and now with medical research around Cannabis. Nic and Mark have a strong desire to positively affect society, science and especially the environment.
Overseas, Altria Group Inc., the U.S. maker of Marlboro cigarettes, recently made a $1.8 billion investment (45%) in a Canadian company Cronos Group based on a simple premise: Cannabis is growing faster than cigarettes. There are murmurings of soft drink manufacturers getting into this space also – the big players wait for the risk profile to fall before buying in, and if you want a piece of the action now the risk is high – estimated at over $1b per annum for medical cannabis along in NZ right now, there’s rewards for early movers. Are there opportunities for the NZ everyday investor?
The trap for investors would be to back all the horses heading to the track – the art will be in determining who the potential winners will be before the race truly begins
Thinking back to what previous guests like Lance Wiggs (episode 18), Daniel Kieser (episode 20) and Mike Taylor (episode 25) have all covered: The best advice when investing is to invest in what you’re interested in. Secondly, can you see that its going to become big? Think back to when the Iphone launched in 2007 – the stock price for Apple was about $15 in June 2007 and now it’s about $150 – If you know somethings going to be a game-changer, it's really that simple.
So where are we at with the legalities of cannabis - after all, in order for investors to see a real return here, revenue needs to come in, and this can't happen until the full measure of daylight shines on this black market sector. The misuse of drugs act amendment bill aims to pave the way for medicinal cannabis in NZ and the time frame is now 12 months for regulations to be written (public and media pressure are responsible for this). For some it’s not happening fast enough but I personally think there’s wisdom in getting things right from the start.
For cannabis companies like Cannasouth its all about execution and timing.
Where to find Cannasouth: www.cannasouth.co.nz
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists...
Andrew Nicol: What's so special about investing in real estate? After all, equities perform better in the longer term so why would you bother at all? Perhaps it's the ease at which it can be done, the tangible nature of this asset class, or this marvelous thing called 'leverage'.
Andrew, founder of Opes Partners, catches up with host Darcy Ungaro to explore what makes real estate a terrific asset class to participate in. Now real estate isn't for everyone and just like Nutella, it's only part of a well balanced investment plan. Being something that you can touch and feel (and live in!) makes real estate a very natural fit for many, but there are traps that catch young players out: Do you buy for 'yield' or do you buy for 'capital growth'; Buy in a major city or out in an 'up and coming' area; Buy pre-existing or buy brand new - go it alone or employ the expertise of someone to coach you through the process?
Leverage, or the act of multiplying market movements (or or down), is what has historical made investing in real estate so lucrative for many already. Lenders, the one who make this leverage possible, are subject to rules and restrictions around how they can do their thing, and so keeping up to date around the changes and potential loopholes are critical, especially in this current environment.
Like any adviser, you need to understand what motivates them and what effectively 'flavors' their advice they provide - we all have bias and we're all selling something let's be honest -but by far the simplest test to put an adviser through is this: would they smoke their own crack? Andrew would, and he does, being a seasoned and passionate property investor himself he shares some mistakes and some successes along the way which can benefit the everyday investor if this is a path they choose to go down.
Andrew Nicol // Opes Partners
https://www.opespartners.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion, hosted by someone who's genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Help support the mission of our show here - help us grow wealth in the lives of everyday Kiwis!
Liz Koh, author and financial therapist discusses her book 'Your Money Personality', and unlocks some insight into how who we are, (financially speaking) drives our investment decisions.
In part you'll hear how Liz advises her clients around conceptualizing retirement - if you're decades away from retirement, you need to know this now. Liz covers off the three stages of retirement and what influences how your investment portfolio should be constructed.
3 hot tips, 10 best tricks, how to pay off your mortgage in 7 years, building wealth the fast way, the smart way, the easy way...we've all seen these headlines. They're a mixture of click bait fused with a self-righteous tone that mansplains (or womansplains!) how to it 'the proper way'. Is there really a 'right way' to grow wealth?
Liz discusses how there is in fact no right or wrong way to build wealth. Everyone is wired differently so financial advice in this regard needs to complement who you are, rather than complicate who you are.
Anyone can 'build a program' to help you manage money better which is based on good sound theory - perhaps sell the concept at a seminar to sucker you in to paying thousands to effectively receive a templated program too, but does this really help the everyday investor build wealth? I don't think so!
Your attitude towards risk and your desire to create wealth - these two fundamental characteristics of your personality will determine how you handle your finances and make investment decisions. Without understanding who you are financially and without understanding your partner, there's a strong chance you're going to make decisions that may work in the short term, but ultimately fail in the long term.
This recording was done in Wellington at the office of Liz Koh recently - please ensure that you listen to both parts
As discussed in the show Liz has kindly offered a free e-book to all listeners of this podcast - please message me on our facebook page to receive your free copy of The 6 Secrets Of Successful Investing 2018.
Liz Koh, author and financial therapist discusses her book 'Your Money Personality', and unlocks some insight into how who we are, (financially speaking) drives our investment decisions.
3 hot tips, 10 best tricks, how to pay off your mortgage in 7 years, building wealth the fast way, the smart way, the easy way...we've all seen these headlines. They're a mixture of click bait fused with a self-righteous tone that mansplains (or womansplains!) how to it 'the proper way'. Is there really a 'right way' to grow wealth?
Liz discusses how there is in fact no right or wrong way to build wealth. Everyone is wired differently so financial advice in this regard needs to complement who you are, rather than complicate who you are.
Anyone can 'build a program' to help you manage money better which is based on good sound theory - perhaps sell the concept at a seminar to sucker you in to paying thousands to effectively receive a templated program too, but does this really help the everyday investor build wealth? I don't think so!
Your attitude towards risk and your desire to create wealth - these two fundamental characteristics of your personality will determine how you handle your finances and make investment decisions. Without understanding who you are financially and without understanding your partner, there's a strong chance you're going to make decisions that may work in the short term, but ultimately fail in the long term.
This recording was done in Wellington at the office of Liz Koh recently - please ensure that you listen to both parts
As discussed in the show Liz has kindly offered a free e-book to all listeners of this podcast - please message me on our facebook page to receive your free copy of The 6 Secrets Of Successful Investing 2018.
When there's been a crime, like a burglary, it's natural to assume the thieves will strike the same place again - there's no point adding an extra deadbolt when you leave your windows open at night though right?
The GFC changed the world permanently, and we're still suffering from this shock to the global financial system - it's natural to think this time around that if there's another 'correction', it will come from the same place. Our confirmation bias is actively at work here looking for the same villains acting in the same way to bring about the same disaster again. 'The first principle is that you must not fool yourself [by thinking this way], and [we] are the easiest person to fool' - Richard Feynman
Consider the US Fed, and how they've balls up every economic recovery since WW2. After raising rates this year they're stuck between a rock and a hard place: Do they drop or do they raise - either way, there will be fallout. Kill the share markets or kill the consumer/worker?
The [potential] fall of the US economic superpower could be a place to look for the next catalyst, but it's hard to say if that 'can' will be kicked further down the road or whether the pride (of their current leader) will truly precede a massive fallout sooner.
What does all this mean for the NZ Everyday Investor? Is changing your investment strategy a good idea or should you stay the course? Stay invested in funds that simply track the market, when the markets are heading for stormy territory? Keep managing your funds alone or employ an expert to manage it for you?
Mike Taylor from PIE funds and JUNO Kiwisaver join us in the studio to discuss these questions and more - he's weathered some storms himself, and instead of shrinking back, he took ground. Mike has been passionate about investing since he bought his first shares as an 18 year old. He realised his dream of running his own fund in 2007 and despite a number of tough years, Pie Funds has grown into a sizeable operation with an impressive track record.
Mentioned in the show:
Check out Juno Kiwisaver here.
Check out PIE funds here.
You can watch the video version here.
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion, hosted by someone who's genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
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Help support the mission of our show here - help us grow wealth in the lives of everyday Kiwis!
44% of self-employed people are over the age of 50 (this is growing) and small to medium sized businesses employ the vast majority of Kiwi's.
These two facts alone state something that's absolutely critical - To protect the wealth of almost every New Zealander, we need to protect small to medium sized businesses. Given the age of the typical business owner, there's also a need to efficiently facilitate the transfer of these businesses to the next generation.
There are many individuals and businesses, myself included, that work with business owners to facilitate this transfer of ownership - I do it via my business by assisting shareholders in figuring out how to transfer ownership to key people in the business under distressing circumstances using specialized insurance policies. Aaron Toresen has a team (the largest in the world actually!) that works with business owners to help them sell their enterprise for the right price, at the right time.
As the Managing Director of LINK Aaron has grown what was a boutique NZ business brokerage to an international network, with over 500 brokers in 5 countries. LINK are the largest business brokerage in the world and still growing rapidly. Recently Link raised capital via one of our other guests on the show - Snowball Effect, which is likely to amplify and quicken their expansion even further - as evidenced by their entry into the US market - the head office in Los Angeles is the largest business brokerage in California.
Outside of business, Aaron loves tennis, martial arts, horse riding and of course, his family.
Check out LINK
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion, hosted by someone who's genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Simeon Burnett: Sharing in the success of start-ups // equity crowd-funding
Simeon is passionate about developing New Zealand businesses into successful international ventures. He spent his first year as manager of a small water reticulation business in Auckland. Then from 2006 to 2015, he held a number of different roles at Fonterra, gaining extensive experience in company valuation, external fundraising, and commercial agreement structuring. More recently he was involved with international business strategy development and financial portfolio management. He is also involved with Lightning Lab and Flying Kiwi Angels. Simeon is the CEO and co-founder of Snowball Effect.
New Zealand is fertile ground for start-up companies - easy ones are Xero and Trademe, but some of the new ones like Archipro, Ubco, Invivo, Karma Cola (to name just a few!) are ones that you may not be aware of...yet! As a retail investor, normally the first entry point to participation in the success of Kiwi firms occurs when the company is eventually listed on a public exchange, but what if you wanted to get in on the ground floor? What if Rod Drury offered you an opportunity to invest in his idea of a cloud-based software back in 2006? If you're a more sophisticated wholesale or eligible investor, this isn't new, and you could already be playing in this space, but now, via equity crowdfunding there's an opportunity for NZ everyday investors to share in some of the success too.
Democratisation of investing – this trend isn’t going away, and there’s a few business in NZ at the pointy head of this movement – Snowball Effect is one of them.
Join Darcy Ungaro and Simeon as they talk about private equity, venture capitalism, angel funding and also equity crowd-funding. There's innovation happening in this space which will be great for investors and new ventures with our #8 way of thinking.
Snowball Effect works with companies throughout the growth cycle. Investors on Snowball Effect often choose to invest in companies at different growth stages to fit their investment preferences or help balance out the risk profile of their portfolio. Snowball Effect facilitate both private and public offers for young companies that have already commenced revenue generating activity and have successfully demonstrated traction in the market. Private and public offers are used by medium-stage growth companies to fund growth initiatives such as production expansion, exporting, and marketing. Snowball Effect also facilitate secondary offerings such as rights issues for more mature companies and can assist with IPO distribution. These offers allow Snowball Effect investors to gain easy access to offers that might otherwise only be available to institutional investors.
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion, hosted by someone who's genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Chris Smith from CMC Markets: Investing with derivatives - how to spice up your investment portfolio.
I'm sure your better half loves you - you told them ages ago this was the case right? Sometimes the spark and the excitement of investing fades away also. Especially when the market pulls back, like what we've seen in 2018 and especially in October, you could be tempted to thing that the thrill was well and truly gone. Now it's all about discipline and ongoing research and most importantly, patience! What if you could occasionally spice things up though?
Sure, we all know the market is cyclical and it will come right eventually. Heck, worst case you could always lean on the reality that if you contribute and invest regularly in equities, you're buying more during times like this - that's the magic of dollar cost averaging right there!
Derivatives, a spicy piece of alternative asset class you could have on the side. Retail and institutional investors alike can benefit from drops in the market via short selling, forward contracts and options. Now you could simply use this as insurance to cover losses in your portfolio, or you could exclusively trade in derivatives. The faster you go though...
Chris Smith from CMC markets joins Darcy and Tanya Ungaro to discuss:
- The equities market at the moment - what the heck just happened?!
- Trading vs Investing / when a trade becomes a long term hold
- Your attitude towards risk and your desire to build wealth
- Engaging in financial risk in a healthy way
Chris Smith is the General Manager at CMC Markets NZ for the last 10 years which specialises in OTC derivative products and technology for retail and institutional clients. He has more than 15 years direct investing experience, with a passion for the financial markets particularly equity markets but also commodity and forex markets.
Check out CMC markets and open a free demo account here
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion, hosted by someone who's genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us rather pleased with ourselves? Write a review on facebook too!
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Ian Webb discusses how you can be the first link in the value chain of creating wealth through property.
Possibly one of the best kept secrets in the mortgage industry is this: The LVR restrictions do not apply to you if you're building a brand new home.
Thinking as a property investor, in the last 5 years years or so the main barrier in the way has been these LVR (loan to valuation) restrictions in place which dictate that you effectively have to have 35% of the purchase price to buy an investment property (in the form of cash or equity in your home). Arguably this has taken [some of] the steam out of the housing market and put pressure on the existing housing stock across the nation. These regulations had an unintended side-effect - the main way to keep prices growing at a more realistic pace, is to increase the supply of housing stock (not just kill the demand).
When the LVR restrictions were introduced, Ian Webb was instrumental in creating a 'hole' for new builders to climb through. Did you know that for as little as 5% deposit you could build your next rental property?
Well if it's that easy, why isn't everyone doing it?
Here's a couple of reasons why:
1 - not many people know about this loop-hole (spoiler alert)
2 - funding new building projects can still be very difficult
3 - capital gains in newer subdivisions and regional areas are still a little less certain compared to city centers
Have a listen to this insightful and honest show and ask yourself this question: Could building a home build equity over the long term for you? Maybe building an investment property portfolio could still work for you and if so, getting to the starting line correctly is critical, if you want to get to the finish line intact.
We hope you enjoy this peak into how construction finance works, warts and all!
Check out https://www.newbuild.co.nz/
NewBuild are the specialists in Residential Construction Lending. NewBuild’s proven method will simplify the process – to make building your new home more affordable, whether you want a Progress Payment Loan or a Turn-Key Loan, NewBuild has the best option for you.
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion, hosted by someone who's genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us rather pleased with ourselves? Write a review on facebook too!
Daniel Kieser: De-fogging your Investment Decisions.
Whilst there's some work involved when making an investment decision, it shouldn't be that hard. Shareclarity solves this real world problem - often the company data we rely on isn't as fresh as it needs to be, or it's incomplete. Should the best, freshest data be reserved for those deemed to be more important that you or I? Of course not!
In a world which is pivoting towards transparency, Shareclarity is a tool that can help you easily understand what impact a changing environment can have on your investments. Overseas, new regulation is forcing a separation between banks and equity research firms - what's potentially a destructive force for the status quo is proving a tremendous opportunity for this business to profit from regulation.
So what's Daniel's background? He has 15 years’ equity research, corporate development and international entrepreneurship experience. He holds degrees in telecommunications, science and ethology (animal behavior) from the universities of Otago and London.
Daniel started his career as a software engineer and financial analyst for TelstraClear before joining ABN Amro as an equity research analyst. He began to focus increasingly on climate change and carbon abatement, which underpinned his move to Asia where he became vice president of Sindicatum Carbon Capital and later, managing director of Asia Renewables. Daniel moved back to New Zealand in 2010 where he led Vector’s corporate development, business analytics and investor relations teams. In 2014 he founded Shareclarity. Apart from business, Daniel loves to 'go bush' occasionally back home in South Africa, where he occasionally get's chased by elephants.
Check out Sharclarity: www.shareclarity.com
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion, hosted by someone who's genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us rather chuffed? Write a review on facebook too!
Being an environmentalist while driving a diesel SUV is like going to McDonalds for the salad.
Now I’m not going to pretend to be a tree hugger – I do like burning wood as much as the next guy though! To state that you ‘stand’ for anything is like putting a big target on your back labelled ‘hypocrite’ – because sooner or later someone’s going to spot you contradicting your beliefs when you think no one’s looking. There’s wisdom in being quiet about your charity.
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Read full post on https://www.podcasts.nz/?p=214655 **
Theo Gibson is a technology-based practitioner with a broad range of experience in theatre, film and video production. He currently works as a podcaster, producer, creative director and film/tv technician where his computer technical skills and experience with film production give him a creative edge. Theo's a bit of a genius too, he's actually converted a vehicle from petrol to electric - he know's his stuff.
Dee West is a passionate social and environmental sustainability advocate, and an enthusiastic communicator. Conversations for good is her tag line, because doesn't want to focus on problems, instead she cares much more about finding and executing solutions. She believes that the world can and will be a better place with a strengthened sense of connection and community. Her family has a full Electric Vehicle fleet including one Leaf, a Tesla P85+, Tesla P90D, and a Tesla Roadster. Dee and her husband Steve have built a completely off the grid holiday home among 50 acres of native and planted forest near Matakana in Auckland, where they share this space with people and causes. Dee and her hubby are the proud (and often exhausted) parents of four amazing children, born in 2005, 2006, 2010, and 2014. Dee's also involved in Chargenet, NZ best run and resourced electric vehicle charging network.
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion, hosted by someone who's genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us rather chuffed? Write a review on facebook too!
[Click here for sponsorship related queries][3]
He rides an e-bike, he made money out of Bitcoin but wouldn't touch it now, and he's been involved in some pretty big deals behind the scenes with some iconic Kiwi businesses, but you may have never heard of Lance Wiggs. Lance, like many players in the venture capitalism space are smart cookies who know their stuff - but are busy behind the scenes making it all happen. Punakaiki Fund Limited makes long-term investments into high-growth, revenue-generating New Zealand companies. They currently hold $41 million in assets (September 2018) and have investments in 20 Portfolio Companies.
One of the reasons we had Lance on the show is that Punakaiki Fund is making a retail offer to the public, and everyday investors can access something within a short window of time. For as little as $215 you can also own a slice of the action but before you do anything, please read this and ideally seek out your own independent investment advice.
(The following is an excerpt from the PDS)
Lance Wiggs is the primary contact for most of the existing and new investments, and is a director of 11 of Punakaiki Fund’s Portfolio Companies. He was formerly a director of Linewize until his resignation following its acquisition by Family Zone in late 2017, and of Devoli until early 2017, when he was replaced by Chris Humphreys.
Lance and Chris commenced working on what would become LWCM and Punakaiki Fund in late 2012, and together they have made 80 different investment placements in the four and a half years since the formal launch of Punakaiki Fund in April 2014.
Lance combines a wide variety of global experience with helping high-growth companies in New Zealand. Lance completed three years of contracting to New Zealand Trade and Enterprise’s (NZTE) Better by Capital programme in early 2017, where he helped over 100 companies of all stages become more 'invest-able' through intensive workshops. He now occasionally assists clients of NZTE Investments, with Lance holding a contract with NZTE to be retained on an ad-hoc basis. Lance was also formerly a practitioner with the NZTE Better by Design programme.
Lance is a member of two Return on Science Investment Committees, ICT where he was the Chair for several years, and Physical Science. These committees, convened by Auckland University’s UniServices, make investment recommendations and provide advice to pre-commercial stage researchers and companies. Lance was the investment-banking advisor for Trade Me on its sale to Fairfax Media, and has advised a large number of local early-stage companies over many years. He was an Engagement Manager with McKinsey & Company in Washington DC, contracted to the European Bank for Reconstruction and Development in London and consulted to BHP Billiton plants in South Africa, Australia and Mozambique. Lance was also an elected Councillor for InternetNZ, where he was a member of the Audit Committee.
Lance has an MBA from Yale University (Strategy, Finance) and a Bachelor of Technology (Hons, Product Development) from Massey University. He has been a regular judge for the Hi-Tech Awards, BNZ Start-up Alley and other events. Lance has a number of active and inactive private investments, made before Punakaiki Fund was founded.
The Manager
Punakaiki Fund’s manager is Lance Wiggs Capital Management Limited (“LWCM”), owned by Lance Wiggs and Chris Humphreys. Lance and Chris provide a combination of finance and business experience in the technology, internet and design-led sectors, and are joined by two staff in their Auckland office.
Jeremy Couchman // NZ Property Market update, among other things. Darcy Ungaro interviews Senior Kiwibank Economist.
In The Wrath of Khan (1982), Spock says, “Logic clearly dictates that the needs of the many outweigh the needs of the few.” I can't help but suspect Spock was a closet poster-boy for Marxism. Well, for the greater good of financial stability, LVR restrictions which increased the minimum amounts required for home buyers and property investors, have been around now for a bit - the effect? Well it's hard to say as we have no way of modelling what the results would have been without this macro-prudential regulation. There have been many side effects and the death of the first home buyer was one of them.
Is the NZ property market heading for a soft landing, or has the hand-brake come on a little too soon. Regulation distorts traditional market signals and creates other issues - much like chemotherapy for cancer.
Jeremy Couchman joins us in part two of our interview.
Jeremy joined Kiwibank in 2015 following four years living in London where he was involved in econometric analysis and forecasting for a national news publisher. Prior to London, Jeremy worked for various NZ government departments including The NZ Treasury, the Ministry of Social Development and Statistics NZ. At Kiwibank, Jeremy is responsible for producing economic forecasts and regular commentary on economic matters. Jeremy holds a master’s degree in Applied Economics from Massey University.
Anyone can take a look at the work Kiwi Economics is doing via Twitter:
@kiwieconomics
And our main reports are published here: https://inner.kiwi/commentary/
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us super thrilled? Write a review on facebook too!
Click here for sponsorship related queries
Jeremy Couchman // Venezuelan Crisis – a contagion, or canary in a coalmine? QE withdrawals and unintended consequences. Darcy Ungaro interviews Kiwibank Senior Economist.
Now if I can only raise billions in foreign capital by launching my own crypto-currency - sounds like a good idea! 'Yeah, let's do that!' said Nicolás Maduro, and just like that, 'The Petro' was born. As of August 2018 however it does not appear to be holding out that well - can't blame the guy for trying new things but really, I think the issues run a little deeper.
In this episode Jeremy Couchman, a senior economist at Kiwibank joins us to discuss the Venezuelan Crisis - how does this happen? And could it ever happen here?
You allow any leader to operate in the extremes of their personality, and you're going to have disastrous consequences, in this case mass migration and hyperinflation. That's not the the whole story though - one has to consider the worldwide macro-economic environment also. Almost a decade of quantitative easing has given a short term fix to many developing countries and now that the dealer's gone quiet, and the price has increased, withdrawal effects are well and truly setting in.
Fortunately NZ has no parallels, and highlights many things that we take for granted, stable government, smooth transition of power, independent and respected institutions such as judiciary and central bank. NZ is well and truly a 'safe haven' in light of a worldwide economy that, let's just say, has some 'issues'!
There's some meat and potatoes in part one of this interview - we hope you enjoy!
“Jeremy joined Kiwibank in 2015 following four years living in London where he was involved in econometric analysis and forecasting for a national news publisher. Prior to London, Jeremy worked for various NZ government departments including The NZ Treasury, the Ministry of Social Development and Statistics NZ. At Kiwibank, Jeremy is responsible for producing economic forecasts and regular commentary on economic matters. Jeremy holds a master’s degree in Applied Economics from Massey University.”
Anyone can take a look at the work Kiwi Economics is doing via Twitter: @kiwieconomics
And our main reports are published here: https://inner.kiwi/commentary/
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us super happy? Write a review on facebook too!
Click here for sponsorship related queries
Mason Lockhart joins host Darcy Ungaro to discuss family trusts in NZ. If you're investing and growing wealth - consider the container you grow it in!
Asset protection and estate planning are the two main functions of family trusts in New Zealand. They used to do so much more than this however and in many cases, people who were advised to set up a family trust, may be surprised to learn that the level of utility offered by these ownership vehicles has qualitatively changed over time.
Mason Lockhart LLB.B.Com is the principal of a boutique commercial and property legal practice: Lockhart Legal Limited, which he set up in 2008. Mason has more than 20 years' professional legal experience advising on a wide range of legal matters.
Mason is a commercial lawyer with a focus on business mergers and acquisitions, and legal advice to a broad range of SME’s. He has a strong practical grounding in advising on all legal aspects of private clients' personal affairs, including asset protection, estate planning, residential conveyancing and property transactions, wills and estates.
Prior to commencing practice in his firm, Mason was a senior legal counsel for Heineken International in Amsterdam for 6 years, sitting on the management team for the Africa Middle East Region. He was general counsel for DB Breweries Limited in New Zealand before his overseas posting.
Mason has also acted as a company director for several Heineken subsidiaries and is currently a professional trustee for both private clients and charitable trusts.
Now by now, you know that none of our shows can't be considered financial advice - well this show's special, in that it can't be considered legal advice either. For that, we strongly suggest you seek out your own independent legal advice.
To learn more about the residential care subsidy: https://www.workandincome.govt.nz/products/a-z-benefits/residential-care-subsidy.html
To learn more about how Lockhart Legal can assist you: https://www.lockhartlegal.co.nz/Our-Services/Trusts-Estates-and-Relationship-Property
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us super jazzed? Write a review on facebook too!
Mason Lockhart discusses family trusts with Darcy Ungaro - can you trust trusts these days? You'd be surprised to learn they don't do what you may think they do, especially when it comes to shielding your main home from 'means testing' for the residential care subsidy.
Asset protection and estate planning are the two main functions of family trusts in New Zealand. They used to do so much more than this however and in many cases, people who were advised to set up a family trust, may be surprised to learn that the level of utility offered by these ownership vehicles has qualitatively changed over time.
Mason Lockhart LLB.B.Com is the principal of a boutique commercial and property legal practice: Lockhart Legal Limited, which he set up in 2008. Mason has more than 20 years' professional legal experience advising on a wide range of legal matters.
Mason is a commercial lawyer with a focus on business mergers and acquisitions, and legal advice to a broad range of SME’s. He has a strong practical grounding in advising on all legal aspects of private clients' personal affairs, including asset protection, estate planning, residential conveyancing and property transactions, wills and estates.
Prior to commencing practice in his firm, Mason was a senior legal counsel for Heineken International in Amsterdam for 6 years, sitting on the management team for the Africa Middle East Region. He was general counsel for DB Breweries Limited in New Zealand before his overseas posting.
Mason has also acted as a company director for several Heineken subsidiaries and is currently a professional trustee for both private clients and charitable trusts.
Now by now, you know that none of our shows can't be considered financial advice - well this show's special, in that it can't be considered legal advice either. For that, we strongly suggest you seek out your own independent legal advice.
To learn more about the residential care subsidy: https://www.workandincome.govt.nz/products/a-z-benefits/residential-care-subsidy.html
To learn more about how Lockhart Legal can assist you: https://www.lockhartlegal.co.nz/Our-Services/Trusts-Estates-and-Relationship-Property
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be make us super jazzed? Write a review on facebook too!
Sam Blackmore, CEO and co-founder of Vimba (MyCryptoSaver)gives a unique insight into a technology that will change the world!
Sam's not a nut-job - but he's an advocate for a technology that has the power to change the world - Blockchain.
Blockchain had a baby called Bitcoin, right after the Global Financial Crisis in 2007 - it mysteriously came on the scene from a person calling himself 'Satoshi Nakamoto'. Bitcoin is likely the most famous of a group of crypto-currencies that have been birthed amid growing dis-trust in the current global financial system. Many believe that crypto-currency can change the world by enabling people to freely move value directly between each other without having a third party (including a government). Can it really change the world though?
You could focus on the hype, and the fact that if you purchased a bitcoin ages ago you'd be driving a Lambo today, but Sam prefers to focus on the tech. Being a software engineer by trade he first became involved with Bitcoin in 2012 and is also also an avid Linux user and Open Source Software advocate.He founded MyCryptoSaver (then called MyBitcoinSaver) in 2014. He previously co-founded a successful web development company with over 10 staff and before that he built a weather forecasting startup that he sold.
Darcy Ungaro interviewed Sam Blackmore on Bitcoin specifically - this recording was done about 4 months ago and interestingly, the value of Bitcoin has not changed significantly from this time.
Note that as at 24/09/20, Vimba has ceased trading - please ensure you have cancelled all recurring payment to Vimba - as they are only a crypto-retailer, this should not be material to the assets you have already purchased through them.
If you'd like to sign up with Easy Crypto, are preferred crypto-retailer in NZ and start saving today, click on this affiliate link to help support our podcast
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be really swell? Write a review on facebook too!
Paul Manning joins host Darcy Ungaro and 'pumpkin' to discuss how a business getting started in the shadows, is gearing up to shine...big time!
The emerging Potconomy is going to be huge! From an investment opportunity, there's an increasing trend to invest in a way that’s in alignment with values and subject to your views on this product, investing in medical cannabis could soon be be factored into your portfolio. If you’re investing in a way aligned with a social good, and this could be one, you may soon find yourself in the company of a large crowd. When funding flows into an emerging market like this then watch out, the potconomy is about to explode!
Helius therapeutics is a NZ company currently waiting for a licence to be approved to cultivate cannabis for research purposes. This $15m vertically integrated business is poised for great success, assuming the law changes of course! Paul Manning, one of the directors and co-founders of Helius Therapeutics, joined Darcy Ungaro on the ‘NZ Everyday Investor’ podcast recently to discuss how his business, and NZ could benefit tremendously, as this market matures.
The best advice Paul gave on the show to investors was to ‘look for sunrise industries, not sunset ones’.
Investing in tobacco, alcohol, oil, and weapons manufacturing could be considered sunset sectors. Cannabis will disrupt big pharma, potentially the same way that the electric vehicle movement is currently disrupting big oil. There are tremendous opportunities for Kiwi’s to enter this market - not just directly, but on the periphery too. Think of all the greenhouses, farms, and vineyards that now have another crop to diversify into.
The global legal cannabis industry could be worth conservatively $63.5b globally by 2024 in USD. NZ is a little bit behind if I’m honest, but I think we’re catching up!
Paul Manning is a New Zealand Young Entrepreneur of the Year and one of the country’s foremost leaders in the advertising and marketing sector.
Starting out as an entrepreneur at 22, Paul went on to build New Zealand’s largest independent communications agency. He later sold the company to global giant, Ogilvy & Mather. He has spent 15 years consulting to local and central government and advising major brands across every sector, including healthcare, pharmacy and agriculture.
Paul recently left his career running major communications agency, 99, to co-found the New Zealand-based bitotech startup, Helius Therapeutics – a company focused on the cultivation, research and manufacturing of medicinal cannabis products. Paul and the team have just raised $15m in series A capital, and are now leading this nascent industry in New Zealand.
https://www.helius.co.nz/
Where to find Paul www.helius.co.nz
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be really spliffy? Write a review on facebook too!
Paul Manning from Helius Therapeutics joins host Darcy Ungaro and 'Pumpkin' to discuss 'Big Pharma' disruption and the up and coming Potconomic Revolution.
A thick cloud’s slowly dissipating on a social and economic opportunity for NZ. As little as 3 years ago, it would have been ridiculous to suggest that the consumption of cannabis would soon be socially acceptable. Wow - look where we are now! 89% of Kiwi’s are now in support of cannabis reform.
This is as much about social reform as it is about translating a $1.3 billion black market industry into legitimate taxable activity. From potheads to solicitors, we’re all starting to finally realise that perhaps the harm of this drug is nothing compared to the harm of opioids and alcohol. Recreational use aside, medical use of cannabis could, and perhaps should, displace at least some of the more harmful treatments for pain, and other ailments, currently available in New Zealand.
A study in 2016 by the ministry of health revealed that around 235,000 New Zealanders are using cannabis for medical purposes. Now, I wonder how many would really admit they’re using an illegal substance? Let’s be honest, this number is far higher. At a gram a day, assuming $15 per gram, that’s a fair bit of revenue falling into the back pocket of the black market. Could there be an easy way to suck a bit of life out of a trade that does more harm than the product they peddle? That’s almost $400m of annual tax revenue that could help pay for some of the $655m needed each year to treat alcohol misuse!
This is part one of a two part series that we’ve recorded with Paul Manning, one of the directors and co-founders of Helius Therapeutics, a biotechnology company focused on medicinal cannabis research and development.
Paul Manning is a New Zealand Young Entrepreneur of the Year and one of the country’s foremost leaders in the advertising and marketing sector.
Starting out as an entrepreneur at 22, Paul went on to build New Zealand’s largest independent communications agency. He later sold the company to global giant, Ogilvy & Mather. He has spent 15 years consulting to local and central government and advising major brands across every sector, including healthcare, pharmacy and agriculture.
Paul recently left his career running major communications agency, 99, to co-found the New Zealand-based bitotech startup, Helius Therapeutics – a company focused on the cultivation, research and manufacturing of medicinal cannabis products. Paul and the team have just raised $15m in series A capital, and are now leading this nascent industry in New Zealand.
Where to find Paul www.helius.co.nz
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be really swell? Write a review on facebook too!
Brooke Roberts joins us today to discuss the sharemarket - lowering barriers of entry to an historically restrictive market.
Why should those with $50 not have the same opportunities as those with $500k. Brooke joins host Darcy Ungaro and the mysterious 'Pumpkin' as they ponder this question, as well as others
Brooke Roberts is a co-founder and CEO of Sharesies. Sharesies aims to give someone with $5 the same investment opportunities as someone with $500,000. Sharesies removes the high investment buy-in and financial jargon that surrounds the investment industry. Their philosophy is that people should be able to invest regular amounts that they can afford. Recently celebrating a year since Sharesies launch, they now have over 21,000 customers who have invested over $22m.
Brooke has a Masters of Finance with Distinction and previously managed Kiwibank's saving, transactional and investment portfolio and led Xero's global ecosystem development.
https://www.sharesies.co.nz
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be really spliffy? Write a review on facebook too!
Chew with your mouth closed, say please and thank you, don't fart on your sister...Teaching your kids good behaviour and manners aren't easy, especially if your spouse doesn't have the same type of standards you have.
Invest in weapons manufacturers, don't forget to read the prospectus on the tobacco company, think about how you can make money out of war - whilst 'sin stocks' may have been 'in' stocks back in the day, investors are now voting with their dollars.
More and more investors prefer to follow companies with good standards in the ethical, social, and governance arenas. We may not all agree on what industries are 'sin' and which ones are safe, but there are some easy ones to avoid, and Simplicity are doing a good job at that. Sam points out some key observations here which may surprise you!
Sam Stubbs was most recently the CEO Of Tower Investments, a KiwiSaver default provider. Before that he was Managing Director of Hanover Group, and spent 10 years working for Goldman Sachs in London and Hong Kong. He previously worked for Natwest Markets, Fay, Richwhite and IBM New Zealand.
He has been a Board Member of the Financial Services Council, and a member of the Government Taskforce on Financial Services.
Sam has an MA (Hons) from the University of Auckland.
Sam is the father of two children. He dreams of Simplicity and sailing around the world.
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be really spliffy? Write a review on facebook too!
Freak Out or Buckle Up Baby!? Interesting international events could impact NZ big time - is this good or bad?
In some parts of Europe, interest rates have actually been negative - what does this actually look like and what does this mean for an economy when you have to pay for the privilege of storing money there?
Growth in NZ may be slow, but it should be in the right direction from here at least - slow and steady wins the race. As the centre of trade pivots around to the East, how does NZ benefit? It's not just about China, it's India too we should watch out for and even start preparing now for.
A little about Jarrod Kerr:
JP Morgan, to CBA to Credit Suisse, to CBA and now back home where he belongs at Kiwibank. Jarrods appetite for learning is only matched by his depth of knowledge and understanding of fixed interest markets and macro-economics.
https://www.linkedin.com/in/jarrodkerr/
In Part Two we continue the discussion with Jarrod Kerr, Chief Economist at Kiwibank.
Trump, Trade Wars, Beavers and the Banking Crisis - a chief economist breaks it all down - There's something for everyone to get stuck into with this part one recording with Jarrod Kerr - Chief Economist at Kiwibank.
Interest rates How are they determined and what influences the level of interest rates at any given point in time?
What's and OCR vs an MPS and why should you care? While we're at it let's take a tangential tour of what the 3 P's are and how to increase the level of productivity of an economy, we need to work on all three - how does NZ measure up?
Learn how the beavers may have precipitated the very first banking crisis that you likely haven't even heard about yet - learn some of the parallels between the banking crisis of the 1890's and the Global Financial Crisis of 2007.
Demographics, deflation, and brief history of interest rates are explored in today's recording and oh so much more.
We hope you enjoy today's show but don't forget to subscribe also to get Part Two also!
A little about Jarrod Kerr:
JP Morgan, to CBA to Credit Suisse, to CBA and now back home where he belongs at Kiwibank. Jarrod's appetite for learning is only matched by his depth of knowledge and understanding of fixed interest markets and macro-economics.
https://www.linkedin.com/in/jarrodkerr/
The only finance podcast in the world where you'll get this brand of random and deadly non-related topics rolled up into a fatty of fellowship and fun! It's all on with guest Derek Blank, host Darcy Ungaro and the mysterious one they call Pumpkin!
1 - The NZ Stock Exchange punches above it's weight - you may be surprised to learn it's even better to our Aussie neighbours too! Why has this been and what's on the horizon?
2 - Historically your investment in the stock market over the last 30 years would give you a greater return (assuming no leverage) than property - yet many New Zealanders snub share in favour of bricks and Mordor- Derek explains why, and while he's at it, some discussion erupts thanks to Pumpkin, around what the GFC is and why did it have to happen.
3 - 'The Fed' is explained, and contrasted to 'the OCR' and while we're at it we talk about what inflation is and how interest rates can control it - yip, there's something for everyone!!
4 - No one knows the words to 'in your neighbourhood' from Sesame St.
Investing doesn't need to be boring and only the domain of fat balding men who drive Audi A5's - we're all learning and sure we're coming from different starting places, but the good thing is the market is changing so fast, you can become an expert too - we hope you enjoy the show!
Show Links:
Derek Blank - Linked In https://www.linkedin.com/in/derek-blank-4039b550/
Kiwi Saver Fund Finder https://fundfinder.sorted.org.nz/?gclid=CjwKCAjwj4zaBRABEiwA0xwsPwlOoumJH_Uf9OCcxrdtPrKyQKv1KZkeRi-tFuDx0azf1Rp9DqHADBoCWWsQAvD_BwE
A little about Derek Blank
Derek has worked in the financial services industry for over 15 years. During this time, he has held senior management roles, specialising in product management and product development. He has designed many of the financial products that exist today, protecting the lives of hundreds of thousands of Kiwis and helping them achieve their financial goals.
More recently, Derek has started his own business providing financial advice to people who want to take control of what is on their financial horizon. There are three main service offerings provided by Horizon Financial Advice – Retirement Planning, Investment Management and Insurance Planning.
On a personal note, Derek is married to wife Tiffany, and has two young children, so understands the pressures of raising a young family, and running a small business.
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
NZ Everyday Investor Podcast:
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://NZEverydayInvestor.com
Bob and Penny - clients of Darcy's who have journeyed with him for 9 years: From buying their first home, to acquiring two other properties as investments later on.
Darcy Ungaro, CEO and founder of Ungaro & Co Financial Services, speaks with Bob and Penny (aka Rob and Jenny) about their journey with property investment. In just 9 years this couple has achieved amazing success with just three properties. Learn how a hard earned 'seed' has already blossomed into a significant level of wealth using leverage and discipline as their tools.
There are successful and not so successful things that we all do with money. Bob and Penny started young, they were careful with their finances, they sought advice, and they worked hard. Listen and learn how they managed to scrape together a deposit for their first home purchase, to where now they can potentially purchase their 4th property – Did I mention they’re only in their early 30’s!?
Show Links:
Where to find Darcy Ungaro. Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Podcast url: https://NZEverydayInvestor.com
Well you may not be smoking crack or selling babies on ebay, but you're a property investor, and very quickly no one's on your side.
You may or may not be completely up to date with the proposed changes that will likely pass into law in relation to 'ring fencing' of property losses. Will this be the straw that breaks the back of many newbie property investors? If losses incurred from property investment cannot offset other taxable income does it still make sense to grow wealth via property.
What about capital gains tax - yes, this is a thing in NZ but it's been branded 'the bright line test'. Previously 2 years this has also recently changed and should be factored in when buying your next property.
Tax specialist Karl Moreton from Lock & Partners joins host Darcy Ungaro to discuss and explore the impact of some of these [proposed] changes. Burying your head in the sand is not an option here if you currently hold, or are thinking of holding property.
A bit about our guest - Karl Moreton
Director at Lock and Partners Tax Advisers
With over 18 years experience Karl has previously worked for what is now accounting giant PriceWaterhouseCoopers and some of Europe's leading investment banks with a broad range of both small and large clients.
Karl joined Lock & Partners in 2006 and has been successfully delivering a vast range of services to his clients including business structuring, business development and taxation planning and advice.
With a strong proactive client focus and an ability to add value to his clients, Karl is results driven and delivers all services to an exceptional standard.
Karl can be contacted on:
P: 09 3798410
M: 021 2862601
F: 09 3098454
E: karlm@locks.co.nz
Darcy Ungaro, host of NZ Everyday Investor, can be found at www.ungaro.co.nz
For more info on the proposed changes please refer to http://taxpolicy.ird.govt.nz/news/2018-03-29-issues-paper-loss-ring-fencing-rental-properties-released
Join host Darcy Ungaro, co-host Pumpkin, and special guest Richard Poole (co-founder of 50+ community Grown Ups) on this episode. Retirement is not necessarily a destination, it's more of vacation that starts in the mind well before you get there. Getting your head into retirement now, to avoid shocks later on.
Let's be honest, it's critical to grow wealth now while you can - you're going to need it later on. Don't define wealth solely using $$ however - it's far more than this. Richard takes us through his observations of this community, sharing insights that can help us get our heads straight today. Wealth is about money, physical security (housing), good relationships (family and friends), an active mind and yes, money.
Show Links:
http://www.co-pilot.co.nz/articles/
https://www.facebook.com/NZ-Everyday-Investor-338969376637717/
https://www.grownups.co.nz/