Nz Everyday Investor

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

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'

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 dow

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://

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_

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,

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/NZEverydayInvesto

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 le

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://hat

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

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

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 ) ________________________________________

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 shar

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.