Nz Everyday Investor

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

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

________________________________ 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 you

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 phenomen

________________________________ 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 you

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 with

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 level

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 dumbes

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

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

"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

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.

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

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

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 he

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 we

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 he

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 depo

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, be

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 her