It's No Secret

Today we're diving into the latest tax changes announced in the 2024 Budget. We'll break down what these changes mean for you, focusing on the new tax thresholds, adjustments to the Independent Earner Tax Credit, and the introduction of the Family Boost initiative. Disclaimer : While we aim to provide clarity on these updates, everyone's financial situation is unique. Our goal is to...

In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from Kernel. This time, we'll be answering questions such as: What are some common pitfalls when investing a lump sum, in this case, we use the 7 million dollar Powerball winners If you should tell your friends and family if you win the lotto Can you invest with Kernel while bein...

Today we’ll be chatting about whether private schools are “worth” the investment. We'll look at both the cost of sending your children to private school vs public, and weigh up some potential pros and cons of doing so. Disclaimer : the school you send your child to is very personal to your family, the child and your financial situation. This is not for us to tell you what to do, nor is this t...

Today we’re back to chat about all things relationship property. Relationship property can be a bit of a sticky subject, particularly if you are approaching being in a de facto relationship, looking at getting married or otherwise.  To chat with us today is a special guest joining us to share his knowledge on the topic, as we're by no means an expert in this area. Today we're joined by W...

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. This time, the real Kiwis are us! In this episode, we’re in the hot seat to give you an update on what’s going on with our lives financially. Our last check-in was back in December about 6 months ago, so let’s get stuck in on what we've been up to. Specifically, we chat about: W...

Many of us have goals we're saving towards, whether for the short, medium, or long term. If your goal is in the medium term (3-5 years) or long term (5+ years), you might wonder if you need to adjust your investments or savings strategy as you get closer to achieving it. Or, you might be nearing your goal and not realize it could be beneficial to change your asset class—and that's okay t...

Today we're back with another Money Moments episode, where we chat to real Kiwis about money. In this episode, we are joined by Colin Magee, CEO of Catalist, the stock exchange connecting everyday investors and Kiwi businesses with big potential.  Colin has over 2 decades of experience in financial services working as a finance lawyer in London and a general counsel for an investment bank.  M...

In today's podcast episode, we’ll be answering the question of - how does the KiwiSaver joining/transfer process work behind the scenes? While expectations around banking/financial services these days are instant, unfortunately, the case with KiwiSaver transfers and many other investments isn't. Whether you're moving to NZ and starting KiwiSaver for the first time, or over 18 and ta...

In today's podcast episode, we’ll be chatting to you all about scams.  Scams are a hot topic at the moment, just google ‘scams nz’ and look at the news and there are SO many recent articles sharing how someone has been scammed out of a significant amount of money.  So let’s chat about how you can avoid them. In this episode we specifically chatted about: Signs that you are being set up for a...

In today's podcast episode, we’ll be chatting to you about whether or not you’re spending enough money to maintain your health. Whether your health spending comes in the form of long weekends away, going to a therapist or even a boujee gym membership, investing in yourself can come in many forms.  But how do you know if you’re spending enough money on your health, or better yet too much? Let’...

In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from the Kernel inbox. This time, we'll be answering questions such as: What is compounding? Should I regularly invest, or save then invest money in one lump sum? What happens if you take money out before the quarterly distributions are made? Do you have a burning money question...

In today's podcast episode, we’ll be chatting about how people's differing money situations can affect friendships and ultimately behaviour. At some point, you’ve probably experienced a difference in wealth (or perceived wealth) between you and your friends. But should you let this difference in lifestyle affect your behaviour? Let’s discuss. Specifically, we chat about: Why there will a...

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. In this episode, we're joined by Sarah Kelsey, host of the personal finance & development podcast, the OneUp project. Sarah started her podcast over 4 years ago and has grown her listenership to over [345,000] with Kiwis from all over NZ tuning into her tips on how to get th...

In today's podcast episode, we’ll be chatting about whether or not the Kiwi dream of owning a bach is all that is cracked up to be. Many Kiwis often dream about having a bach to use as an escape during their extended breaks. But what if we told you that you may be better off putting that money towards boujee yearly holidays instead?  In this podcast episode, we chat about: The pros and cons o...

In honour of our favourite time of the year - aka tax time - we thought we’d answer a few commonly asked questions. Specifically, we answer: How important is tax when investing? Are NZ shares taxed differently from global shares? What benefit does investing through a trust give me, if at all? What the heck is the FIF tax regime? Got a burning money question that you want answered? Slide into our D...

Wondering how you can set up your children for financial success in the future? Then this podcast episode is for you! In this episode, we are joined by Co-Founder of SquareOne, Jovan Pavlicevic. Jovan has a background in starting businesses and wears many hats at SquareOne - from strategic capital raising to designing the customer and employee experience. With a background in starting businesses,...

In today's podcast episode, we’ll be revisiting the ever-important rainy day funds; more commonly known as emergency funds!  While emergencies are rare, it is important to have money set aside for some peace of mind. So if you're looking for some inspiration on where to get started with your emergency fund, this episode is for you! In this podcast episode, we chat about: When and how you...

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. In this episode, we’re joined by Chanel Clark, marketing extraordinaire and North Shore local. Chanel has recently transitioned from being a full-time employee to starting and running her own business AND is also looking to move overseas in the near future.  So we have lots to talk a...

In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from Kernel. This time, we'll be answering questions such as: How to invest a lump sum of money across different scenarios Are you better off having a nanny for your child or sending them to daycare? How to invest while also starting a family What are bonds and should I invest in...

In today's podcast episode, we’ll be talking about love and its costs. The cost of love sounds like it has a ‘negative connotation’ it doesn’t necessarily need to be that way.  The reality is that costs can come with getting into, being in and/or ending a relationship with someone. So this Valentine's Day, we thought we'd do a special episode talking all about the money topics that...

Today we're back with another Money Moments episode, where we chat to real Kiwis about money.  We’re back with our friend Jervis, for an update on what’s happening in his financial world, since recording an initial Money Moments ~2 years ago.  When we spoke to Jervis last, he lived and worked in a digital marketing agency in Auckland. We spoke about several things on the podcast, ranging from...

In today's special podcast episode, we'll be answering many different questions that we often get in the DM's from the gram as well as a few Kernel customer questions.   Specifically we'll be answering questions such as: What are the factors to consider when creating a joint account with your partner Should you convert all of your investments into cash when you hit 65 Things to...

Looking to achieve your 2024 New Year resolutions?  Then this podcast episode is for you! We are almost in February the time New Year goals typically start to drop off. While creating audacious goals is easy,  achieving them can take much longer. In this episode, we talk about a few different factors to consider when creating a new goal and how you can make them more achievable. Specifically, we c...

Today we're back with another Money Moments episode, where we chat to real Kiwis about money.  Today on the podcast, we are joined by Jamie Jermain, Co-Founder & CEO at SquareOne, NZ’s first account and card built for the next generation.  Jamie has worked in the payment space for over 20 years, including at the likes of Visa, Mastercard, Lloyds Bank and The Warehouse Group. Originally fr...

In today's podcast, we're chatting about when the "right time" is to sell your investments if they're in the red (hint: there is no "right time").  Do you hold on and hope that it recovers its value, or do you cut your losses now and recoup what's left? We dig into this and more.  Specifically, we discuss:  Why does your investment portfolio balance move in...