NZ Everyday Investor

History is littered with examples of everyday investors losing money when responding to changing conditions – not necessarily because their concerns were irrational, but because they failed to appreciate just how fast markets can recover. The question is whether switching puts us in a better position for what we need, or simply makes us feel better about what just happened. Dean Anderson , CEO and...

Gold, silver and Bitcoin have had a rough 2026, and some say the bull run's over, or at least on pause. But governments are still buried in debt, the Treasury is buying back its own bonds, the 10-year yield is back above 5%, and inflation isn't going away. Lawrence Lepard , author of The Big Print , joins the show to talk rates, sound money, and central banks. We cover whether higher inflation or...

My guest today is Ashley Church . You'll probably know him as one of New Zealand's best-known property commentators, and he's a regular voice on politics too. He's a former CEO of the Property Institute of New Zealand and the Auckland Property Investors Association, a past Chairman of the Taxpayers' Union, and the author of Prophecy Shock , a new book that takes a fresh look at Bible prophecy. Boo...

Will raising interest rates make inflation worse? The OCR won’t fix an oil shock. Central banks, including the RBNZ, can create too much currency and crush demand, but they can’t print oil . When energy prices jump and stay high, raising rates mostly hits mortgage holders and businesses who use debt to grow - is it really wise to squeeze the part of the economy responsible for growth? In this conv...

Yields have already climbed to levels last seen in 2002 but most investors are still banking on the post-Covid inflation being a temporary spike. That was a solid assumption, but at almost a third of the way back to the 1981 highs, could it be time to look at this? Joel Robinson is the founder of Radical Investment - specialist KiwiSaver and investment advisers. Book in a free 15-min phone call wi...

I have sat across from hundreds of people with an inheritance coming, and almost always they make one of two mistakes. The less common one is when people take their foot off the gas - The knowledge of money coming justifies no budget, no discipline, no plan. Black holes for intergenerational wealth. The second mistake is worse, and I think it often comes from a decent instinct. People live like th...

It's a Holiday! No, wait, it isn't. It's no holiday when you're poor. You can sleep in the garage this summer and you'll be grateful. You're poor, and it sucks. Maybe there's a way out? Christians Against Poverty , or CAP , is an organisation devoted to fighting poverty and helping people break free from a cycle of debt. Sam Garaway talks to me about their collaboration between them and Sorted (Th...

Dominic Frisby : comedian, author, and one of the sharpest voices on gold, Bitcoin, and government money. His main argument is that CPI figures have created a mass delusion effect, which hides the fact most Western countries have been in recession for years. Note : Views expressed in this one may trigger Keynesian belief systems and left-wing ideologies. Sorry about that. Book in a free 15-min pho...

In Argentina, currency collapse forced people to understand money. In New Zealand, we're too comfortable to ask where inflation comes from. In this episode, Francisco Colombo from Bitcoin Journey joins me to unpack how Bitcoin is being used in Queenstown's Bitcoin Basin: not as a speculative bet, but as a real, working alternative to cash. We cover self-custody, why Bitcoin passes (or fails) the c...

The Reserve Bank of NZ has hiked the OCR (official cash rate) twice off the lows and says the recovery has “most likely resumed, but remains uneven.” Headline inflation is 4.1% because of fuel, but if you take that out, you’re at 2.9% (inside the target band). I think the question is simple: can the Kiwi economy handle the hikes, or do we get a forced cut and a longer grind? My guest is Jarrod Ker...

Everyday investors will have access to 24/7 share trading in the form of tokenised securities, but there's a problem. NZ rules are built for a paper-era and no one wants to stick their neck out. Deputy Prime Minister and ACT leader David Seymour talked to me last Friday about their new proposal: A one-year bright-line test on digital-asset gains. Will this unlock NZ's digital economy? It might. Le...

Check out my Substack here . Tim Doyle , crypto currency tax expert joins me on this one to talk about a recent case where a client of his posted Bitcoin as collateral to take out a fiat currency loan. The idea is to borrow cash, without ever selling Bitcoin, much in the same way you might top up your mortgage to free up cash without having to sell your home. But Inland Revenue's response was to c...

We’ve been through plenty of property cycles in New Zealand, but this one feels different . It's been called the worst downturn in 50, or even 60 years. Auckland and Wellington have been hit hardest, while other parts of the country are holding up far better (and in a few places, still growing.) Today I’m joined by economist Ed McKnight from Opes Partners to unpack what’s really going on. We’ll lo...

An economist [I used to respect] was recently asked, why is debt getting more expensive? His response? " this is what happens when your economy is starting to show some growth and the risk for inflationary pressures shift upward. " It’s almost like our economists care too much about getting a job at the RBNZ than they do speaking the truth. Read more. Meanwhile, just over half of all Kiwis, feel u...

If New Zealand approved a 'de minimus' tax exception for small Bitcoin transactions, we might become a magnet for the type of people who could make this country great again. This conversation was recorded before the Coldcard exploit, which cost hundreds of holders their coins, was known. I'm joined by Mikey Smith , founder and CEO of Guardian Smith and Treasurer of Bitcoin Policy New Zealand , and...

The most common manifestation of active investing is timing the market. Get out at the top, sit in cash, wait for the crash, then jump back in. I see a lot of investors thinking and doing this right now, and while it's understandable, what happens if everyone's looking at the same information? Read full article (not AI). Special thanks to Joel Robinson from Radical Investment . Book in a free 15-m...

On the 23rd of June 2026, something happened to the South Korean index that hasn't happened since 1980. Francis Hunt (aka 'The Market Sniper') thinks this may be the canary in the coal mine which could trigger, not just an AI 'correction', but a global credit event. Is he a doomer, or someone with a different set of incentives? As usual, this isn't financial advice, but I do hope it gets you think...

Could you get in trouble with the FMA? From podcast hosts to social media commenters, it's easy to cross the line and end up providing regulated advice - you might think it's just an opinion, but it might cost you $200k to share it. Elizabeth Asmerom Asfaha , Regulatory Services Advisor at the FMA joins me on this one, where I consider ' am I in trouble too? '. Read some guides here for investors/...

The way I see it, the biggest financial mistake most people make isn't getting in wrong - it's getting out wrong. As an example, gold is down 25% from its all-time high. If you hold any investment that drops this much within 6 months you're prone to wondering if you called it wrong. Today I want to be honest about that. Not to reassure you, and not to panic you, but to use this as an example in ho...

Kyle Hasson, fellow financial adviser , sits down with me, Darcy Ungaro for a raw conversation about how the rules of money can benefit the investor, even when the industry doesn't. I break down why property, once the default strategy is hitting a fork in the road, and how the real game since 1971 has been the debasement trade: trading abundant fiat money for scarce assets like Bitcoin and gold. W...

Joel Robinson is the founder of Radical Investment. We're talking about how the investment industry treats volatility as 'risk', when in reality, it might be what you're missing. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Check out latest Substack Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take yo...

Special thanks to Paul Quickenden, area manager with Swyftx. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx . Provincia : Whether you're looking to invest, or you have a commercial property t...

Hank Harri s is a Limited Partner in Ego Death Capital , and co-owner of TheBitcoinShop.nz . Check out https://sovereigntysummit.nz/ If you want to take greater control of what your KiwiSaver invests in, and if forms of 'sound money' are important to you also, then reach out. Book my free 15-minute discovery call Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million custom...

Almost 40% of the S&P 500 index fund sits in just 10 stocks. Yet, low cost, passive index funds are often marketed as a way to invest in many things at once. 9 of the 10 companies are directly exposed to the AI-thematic - something that may, or may not be a bubble, depending on who you listen to. They say the performance of actively managed funds, after fee, rarely outperform passive funds. So...

Mark McCrindle is an Australian social researcher, demographer, and futurist best known for his work on generational trends and for popularising the term Gen Alpha. https://mccrindle.com.au/ Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …...