Nz Everyday Investor

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 SocialSign up to the newsletter!Check out the most watched/downloaded episodes hereFollow 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 be

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 moreBook 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 SocialSign up to the newsletter!Check out the most watched/downloaded episodes hereFollow 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.Ha

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 SocialSign up to the newsletter!Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@Ung

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 SocialSign up to the newsletter!Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.Learn

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 moreCheck 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 SocialSign

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 moreCheck out the Nolan Matthias YouTube channel______________________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.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.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @t

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.Sign up to the newsletter!______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialYouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months fre

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______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!

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 SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @Ungar

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. Read moreLearn more about the NZ Super Fund______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what D

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

When you're trading money for investments, there are many factors that determine the level of resource you'll be able to draw out. The value of your currency right now, and later on, is one of the biggies. Today, I have Roger Kerr from Barrington Treasury with me to discuss some current events that provide a handy launchpad for deeper understanding. Sign up to the newsletter!______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialYouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affi

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

YouTube version: https://youtu.be/Od8a-7dgat4Do your own research, but if you're ready to go with crypto, help support the podcast by using the following affiliate link to sign up with Easy CryptoBitcoin, often seen as digital gold, is primarily meant for holding and storing digital value. The Bitcoin ETF’s success stems from this principle, making it easier for traditional investors to access and hold Bitcoin through a familiar financial product. Ethereum, on the other hand, is more than just a digital asset; it’s a technology platform that supports various applications, including smart contracts and decentralized finance (DeFi). I think this is an important distinction when considering the potential success of the Ethereum ETF. Read more.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's

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

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

When it comes to retirement, or 'transitionment' if you prefer, KiwiSaver can be a core ingredient, but many of us treat it as a bit on the side. It's important to consider the most common pitfalls that can undermine your efforts and leave you short at your retirement . In a new world now more expensive than what you originally though, you need to get this one right. Read MoreBook in a free, 45 minute KiwiSaver chat with me today.Ben Brinkerhoff is the head of advice with Consilium*. *The information contained in this recording is intended to be of a general nature. It does not take into account the objectives, financial situation or needs of any particular person, and does not constitute financial advice. Consilium NZ Limited is the issuer of the KiwiWRAP KiwiSaver Scheme. For more information on KiwiWRAP KiwiSaver Scheme including a copy of the Product Disclosure Statement,visit us at www.kiwiwrap.co.nz.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to

Grid Share's unique approach helps balance the power grid by allowing their data centers to switch on and off quickly, thus supporting the stability and efficiency of renewable energy sources like wind and solar. https://www.gridshare.co/Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Ge

Sign up to the newsletter!John Alcock has a Masters of Science specializing in evolutionary biology, and he's a staunch libertarian with politics and law in his background. Today he's bringing a perspective much needed by the everyday investor. Read more hereWatch YouTube version here______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialYouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy

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 moreDavid Callanan is my guest today and he’s the General Manager of Corporate Trustee Services at Public Trust. ______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Un