NZ Everyday Investor

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 …...

Sensitive topic warning: Watch Rumble version here This episode is a little different, and I make no apologies for that. Today we're sitting down with Zach and Tony from Child Rescue New Zealand, a charitable organisation rescuing children from trafficking across Asia. I genuinely believe that how you use your wealth matters just as much as how you build it, and these guys are a powerful reminder...

Today I’m sharing a conversation about a property investment strategy that most of us simply won’t be able to access. My goal isn’t to tease you. It’s to highlight something important: if you live in New Zealand, you may be significantly underestimating how the real estate market could rebound - from the top down. Controversial take, I know - but I do hope it gets you thinking! Book in a free 15-m...

Special thanks to Clive Thompson for speaking with me - check out his children's book on www.clivethompson.com In this conversation, Clive Thompson explains how central banks are increasingly stuck, facing rising inflation from oil and commodity shocks while wanting to cut interest rates - leaving them with limited options in the current macro environment. He argues that central banks worldwide ar...

Will central banks "look through" stagflation in 2026? In this quick update, we break down what stagflation really means right now and whether major central banks are likely to ignore it, or will our retail banks be right and they'll forced to hike? This is a conversation between Darcy Ungaro, investment adviser with Radical Investment and Hamish Patel from Mortgages Online. Book in a free 15-min...

What’s your plan when AI comes for your job? As a financial adviser, I’m asking the same question. Social media is turning into your broker, tokenized assets are exploding, and Agentic Finance is about to change everything. In this video, I explore how AI agents could soon manage investments 24/7, why traditional “set and forget” strategies might become outdated, and what this means for everyday K...

Trevor Topfer, from Blockchain New Zealand and Avatars Global , explores whether New Zealand risks missing the next boom in digital assets like tokenized real-world property, shares, and businesses. We're also covering opportunities for fractional ownership, liquidity, and accessibility for everyday investors, while touching on regulation, CBDCs, NFTs, AI's impact, and the upcoming Crypto Winter 2...

Financial institutions like banks, nation states complete with their 'soft power' dynamics, and regulators, trying desperately to keep up. In the Wild West of digital assets, while some of us are trying to figure out if the Sheriff can catch up, this asset class is maturing. Paul Quickenden from Swyftx joins me to chat through how latest global events are shaping the future of crypto. Book in a fr...

In this one I pose the question - is it a given that NZ will head into stagflation, or could there be light at this end of this oil-shock tunnel? 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 Swyft...

Keen for a qualified opinion from an economist who isn't an employee of one of the main NZ banks. I am! I think it's critical to understand the REAL impact of the oil shock coming our way to NZ, and how the RBNZ may be forced to respond. Inflation, recession, perhaps a bit of both, or something completely different? Enjoy. Special thanks to Andrew Hunt from Hunt Economics . Book in a free 15-min p...

In this episode, host Alan Clarke : Portfolio Manager for Diversified Funds and External Managers at Amova Asset Management, explains the Manager of Managers approach: tapping the world's top specialist fund managers to build smarter, globally diversified portfolios. With over 20 years in investment management, Alan breaks down how this strategy may work well considering interest rates, explosive...

You down with USD? Yeah you know me. Well, clearly not. My long term thesis is that this dies a death. Until this occurs however, USD denominated stablecoins will create demand for US Treasuries. This will cause interest rates to drop for any USD debt-based system. For everyday investor, this means property values go up. For a time, USD-denominated stablecoins will lower the cost of money for any...

This April, the government's increasing the minimum contributions by 0.5% for employees and 0.5% for employer contributions. Too little, too late? Step in the right direction? Personally I think when the government intervenes, it may already be too late. We need to think of KiwiSaver as a core pillar of retirement provisioning, instead of a 'bit on the side'. We're driving around in de-tuned cars,...

Chris Wilson , co-CEO of Harbor Asset Management , joins me as the spotlight goes on the narrative that bonds are dead going forward. Are institutional investors whistling past the graveyard by over-allocating to fixed income amid persistent geo-political tension, rising debt concerns, and uncertain market correlations in 2026? Or are many everyday, self-directed investors skipping bonds to chase...

Will a higher OCR crash New Zealand property , or is that just what we need? In this episode we’ll unpack why bank economists are suddenly keen on future hikes, how that lines up with record profits and rising net interest margins, and what it all means for house prices, mortgage refixes, and already‑stretched Kiwi households. I’ll finish with how I’m setting my own mortgage terms right now – incl...

The RBNZ’s OCR decision lands Wednesday, 18 February, and it's expected to hold at 2.25%. The deeper truth? Australian banks (ANZ, ASB, BNZ, Westpac) dominate New Zealand’s mortgage market, influence media and politics, and shape house prices and the economy at large. With fragile recovery signs amid persistent inflation, will their pursuit of wider margins on “safe” lending tip us toward Japanese...

Will gold, or bitcoin, come out on top in a monetary reset? Given the volatility in precious metals, bitcoin, and AI stocks last week, it's a timely reminder...All investments come with the chance of the price going down instead of up, and if you feel fear when markets wobble, just remember the possibility it might not be what your investing in that’s the problem. The best time to change your port...

Crypto isn’t always the risk – we are. In this episode, I talk with Paul Holland about why everyday investors are losing billions to scams, how AI is super‑charging the problem, and what you can actually do about it. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank you to our show partners Swyftx : W ith over 1 million customers a...

Passive retirement income sounds like the holy grail, right? Imagine the money quietly rolling in while your capital sits there untouched – perfect! Yet when you dig into how this is usually sold to retirees and pre‑retirees, it often turns into something very different: concentrated bets, misunderstood risk, and portfolio structures that look “safe” on the surface but are fragile underneath. Read...