Nz Everyday Investor

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

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

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 wi

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 l

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 be

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. 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=e

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'

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 followi

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 w

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 th

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 (Sh

Investing is for everyone, but often make the biggest difference in the hands of those who've come the furthest. A little can go a long way when it comes to financial literacy. Growing wealth isn't about being smart. It's really simple I think - it's just learning how to control our own personal resources. Carley Ellis is the special guest host on this one today, because I've travelling back from a father and sons holiday in the snow. Te Kahukura, the person behind Maori Millionaire is our guest today. Wealth is for everyone and investing is something we can all do. It's one of those strange arenas where it doesn't matter our starting point, or our end point - it only matters that we make progress. Hey! Can we have a little chat? If you're picking up what I'm putting down, help me build the Everyday Investor community! 1 - Spread the word! Write a review anywhere you can, share posts on social media, vote for Pedro! https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA (Share this

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.hatch

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

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-everydayinvesto

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-cha

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

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 wi

For one of the scenarios outlined in this podcast to come to fruition, the US had to be significantly weakened. I believe we witnessed this with the events that unfolded on the 3rd of August (NZT) 2022, where the US pulled out of the opportunity to stand with Taiwan through actions, and not just words. We're living in rather odd times. It appears the US lost a game checkers to China, who's clearly been playing a game of chess. It would be disingenuous to say the least, talking about building wealth without simultaneously talking about protecting it. Change is coming - and there ARE things you can do about it. Ignoring what's happening in the world right now, just because it scares you though, well THAT is a very high risk investment strategy. At the time of recording, I had no idea of the events that were unfolding at the same time, where the US lost a game checkers to China, who's clearly been playing a game of chess. It would be disingenuous to say the least, talking about building wealth without simultaneo

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-chan