NZ Everyday Investor

Podcasts NZ / WorldPodcasts.com / Gorilla Voice Media

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.

All Episodes

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!WATCH THE YOUTUBE VIDEO HEREHeard 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 NFTsVaccine 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 Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 click on this link 

Nov 28

47 min 58 sec

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 Facebook, or your favourite podcast player2 - Complete this survey! A Future Model of Financial Advice3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 click on this link_________________________________________________________

Nov 25

25 min 9 sec

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/allianceThe Microsoft Central article mentioned in the show can be found here: https://www.windowscentral.com/microsoft-universal-digital-identification-and-youYou can learn more about APLYiD here: https://www.aplyid.com/aboutYou can read more about Digital ID here: https://unlimitedhangout.com/teachnocracy/And for something completely different, the below was written about 2000 years ago...it's probably nothing...Revelation 13:16-18It [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 Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 click on this link

Nov 21

1 hr 7 min

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...whateverI'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: 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. HmmmAre you interested in buying Bitcoin AND supporting the NZ Everyday Investor podcast? Then check out the following affiliate link to Easy Crypto Episode 146 - Passive InvestingEpisode 98 - Core/Satellite InvestingDiversification video on YouTubeEpisode 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 Facebook, or your favourite podcast player2 - Complete this survey! A Future Model of Financial Advice3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 click on this link_________________________________________________________ 

Nov 18

18 min 40 sec

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 for Bitcoin ETF3- 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 hereCheck 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-portfolioCongrats 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 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 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 Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 click on this link_________________________________________________________

Nov 17

34 min 17 sec

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 KiwiBankIf 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 Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 click on this link_________________________________________________________

Nov 14

30 min 24 sec

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 Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 click on this link_________________________________________________________

Nov 11

11 min 28 sec

Pat Shepherd, from the 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 Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 click on this link_________________________________________________________

Nov 7

35 min 12 sec

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 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 Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 click on this link_________________________________________________________

Nov 5

17 min 25 sec

Charts!Feel free to check out the live session on Facebook, or alternatively, you can view the charts referenced down belowHistorical USD chartHistorical Gold chartHistorical Bitcoin chartS&P 500 chartRelativity 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 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 NZ Everyday Investor Facebook page 

Nov 3

35 min 35 sec

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 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 Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 click on this link                                                 _____________________________________

Oct 31

30 min 4 sec

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.Check out another podcast episode around family trusts, which specifically covers off what they are still good for. 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 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 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 Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 click on this link_________________________________________________________

Oct 24

33 min 2 sec

Today my guests are:Rupert Carlyon, from koura KiwiSaverMark Fowler, from Hobson WealthJust 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, thenFinishing up on a few thoughts on interest rates - where to from 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 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 NZ Everyday Investor Facebook page  

Oct 20

33 min 2 sec

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 CounselDO 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 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 NZ Everyday Investor Facebook page_____________________________________________________________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 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 Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 click on this link_________________________________________________________   

Oct 17

51 min 6 sec

Last week I had the pleasure of commenting on this exciting new Bitcoin fund by Vault Digital Funds by Stuff - you can read the article here. Learn more about how to access the Bitcoin only fund on the Invest Now platform. Check out my latest YouTube video around 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 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 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 Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 ([crypto-friendly]financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________ 

Oct 10

48 min 14 sec

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 out Investing With Tom on YouTube. 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 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 NZ Everyday Investor Facebook page

Oct 6

40 min 20 sec

The report mentioned in the show is found here. To find a trusted financial adviser in your area, find one 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 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 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 Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - 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 ([crypto-friendly]financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________

Oct 3

47 min 5 sec

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; andmeet 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 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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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 click on this link_________________________________________________________

Sep 30

25 min 58 sec

Cat and Christine are the hosts of  '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 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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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 click on this link______________________________________________________________________

Sep 26

48 min 12 sec

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-didBe sure to catch the live recording every fortnight at 5:30pm (Wednesday) by following the NZ Everyday Investor on Facebook

Sep 22

28 min 15 sec

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 aboutFee Simple titleCross-lease titleLeasehold title, andUnit titleEnjoy!If you're keen to reach out and work with Mason Lockhart, you can find the details hereAs 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. Check out this video for more ___________________________________________________________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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________

Sep 19

35 min 16 sec

Check out '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 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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________

Sep 12

48 min 30 sec

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. 

Sep 8

1 min 25 sec

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/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: 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 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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________

Sep 5

40 min 48 sec

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]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-hauptfuhrerThe 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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube:5- Sign up to our newsletter here6-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

Aug 29

26 min 11 sec

 Rockets and Financial Advice both can be full of hot air, but still take you places.Episode referred to of the Peter Beck / NZ Business Podcast.Research referred to - Those who receive financial advice are 5% better off.

Aug 25

30 min 10 sec

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.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.Learn more about inflation and how the Reserve Bank may respond to it on Ep 172 with Sharon Zollner Learn more about modern monetary theory and inflation here on Ep 148 with Oliver Hartwich. If you'd like to understand how the global financial system works, as explained by Simon DixonIf you'd like to hear how retail banks create money out of '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 Financial Advice NZ - Find an AdviserAs 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, book a time here. ____________________________________________________________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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________  

Aug 22

43 min 36 sec

Now as s a warm-up to this show, you may wish to check out what is a Stablecoin Ep 156 and what is 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 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 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 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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________

Aug 15

55 min 51 sec

https://www.kourawealth.co.nz/blog/july21-market-updateWhat 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. 

Aug 11

32 min 39 sec

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 is working together, check out https://high.banqer.co/partners-life____________________________________________________________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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________ 

Aug 8

42 min 38 sec

The last time Sharon was on the podcast was 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. 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 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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________

Aug 1

46 min 4 sec

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 accessSocial responsibilityIf you'd like to register for "The Great Debate - Property vs Shares" to be held today at 7pm (the 29thof July 2021), then go here to register. 

Jul 28

28 min 33 sec

‘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 platform 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 register for the Great DebateArticle of interest regarding wholesale investment offers:  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-forgeryCustody 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 Roberts 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 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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________

Jul 25

51 min 13 sec

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 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 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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________

Jul 18

57 min 42 sec

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, you can check it out here,This podcast was recorded on  09/07/21Update 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 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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________

Jul 11

49 min 44 sec

 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,

Jul 7

24 min 57 sec

Finfluenza, a viral infection of pandemic proportions, or just a bunch of amateurs talking about money?Surely what podcasters do  MUST make professional broadcasters cringe? Heck, I make myself cringe!Finfluencers shouldn't make financial advisers cringe - I think this is unwise. 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 here (Financial Markets Authority) - an important read for the consumer but also for the content producer.Special thanks to Ryan Melton, host of the NZ Guide to Financial Freedom and NZ Audio Editors._____________________________________________________________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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________  

Jul 4

39 min 3 sec

Myth one: You don't have to pay tax on your digital assets - bustedMyth two: You pay tax on gains, but cannot offset any losses - bustedMyth three: It's too complicated to pay tax on digital assets - bustedGiving 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 the guidance note issued by the IRD on  this topic I recommend 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 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 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 player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________

Jun 27

53 min 20 sec

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? 

Jun 23

21 min 22 sec

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 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 click on this link_____________________________________________________________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 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. This link also serves as an invite to the platform.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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__________________________________________________________________

Jun 20

1 hr 6 min

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 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 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. This link also serves as an invite to the platform.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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__________________________________________________________________

Jun 13

50 min 51 sec

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 meanRupert Carlyon from kourawealth KiwiSaver is my co-host, along with Tom Botica, from Investing with Tom. 

Jun 9

28 min 9 sec

My guest today: Julian McCormack from 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 www.platinum.com.au_____________________________________________________________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 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. This link also serves as an invite to the platform.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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__________________________________________________________________

Jun 7

1 hr 8 min

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?

Jun 2

33 min 55 sec

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 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 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 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. This link also serves as an invite to the platform.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________

May 30

46 min 33 sec

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!

May 26

33 min 26 sec

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 Techemynt, are my guests today, along with co-host Paul Spain from the 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 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 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. This link also serves as an invite to the platform.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________

May 23

43 min 9 sec

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 MondayGot an idea for a news item for Rupert and I to discuss? Email me darcy.ungaro@nzeverydayinvestor.com.**

May 19

23 min 24 sec

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:LookSee campaign – encourages investors to make sure their KiwiSaver is on track when they receive their annual statement. We will soon relaunch this campaignKiwiSaver retirement projections: Case StudiesWhat’s Your KiwiSaver Flow?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 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 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. This link also serves as an invite to the platform.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-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______________________________________________________________________ 

May 16

46 min 58 sec

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.**

May 12

32 min 40 sec