NZ Everyday Investor

In WW2 we discovered if you control the world, you get to control the money. In 1971 we learnt that that as long as the majority had a fear of violence, that was a good enough anchor for money, and gold wasn’t required. In 2008 we discovered the kind of bubbles fiat thinking like that could create – but we kept going. In 2020, a critical majority spotted the pattern – the cheaper the money gets, t...

Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.  Affiliate Links*! The Bitcoin Adviser : Plan for intergenerational digital wealth. Hatch : For US markets. Sharesies : For local, and international markets. E...

According to some research known as the Williams Group Study, 3,250 families were observed over 25 years: 70% of family wealth was lost by the second generation and 90% by the third generation. Read more Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! New Wealth Foundations: Personal finance from a wealth-builder's perspective. ___ Bro...

Maintaining a healthy relationship with money requires ongoing self-reflection and 'adjustment'. Put another way, wealth isn't found in the accumulation of money, it's found in our growing influence. Money puts action into our intentions . Read more Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Brought to you in partnership with: Ice...

When you're trading your time for money, concentrating your investments can make sense. But come retirement, diversification helps manage the risk of losing what you've already built. Concentration can lead to big wins or big losses - but sometimes, it's more luck than skill at play. Read more. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsl...

Special thank you to Rajat Soni - if you like his style, be sure to check out @rajatsonifinance on YouTube. Having an allocation to Bitcoin, or at least gold is really important. This isn’t about picking the next big thing, it’s about accumulating wealth outside of a system which is programmatically in decline. So, this all brings me to today’s guest. Rajat Soni. Rajat is a CFA Charterholder who p...

I prefer Colonel Mustard, in the Conservatory, with the Candlestick. over the most obvious shadowy superpowers of centralised authority most likely to blame, but…. Evidence is now abundantly clear that Bitcoin is more  helpful  for the environment than harmful, it’s  not  in fact used by criminals [more than ‘regular money’], and is in fact  valuable  (does $100k prov...

Today's guest is Mike Taylor , CIO and founder of PIE Funds . No one can guarantee an investment return because no one controls the market. You can show up prepared though, and with a strategy you stick to, you just might get lucky. Part of preparation involves knowing which market to fish in, and in what season. Read more. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Si...

In the sacrosanct communion of frugality and dollar cost averaging, low-cost index funds are transubstantiated into the omnipotent force of compounding returns. For the rest, there's Bitcoin... Read more Thank you to special guest Peter Dunworth , found of The Bitcoin Adviser . Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Brought to...

Thou Shalt Not Sweat the Technique, Nor Disregard Nuance The property market is a bit of a complex beast, but interest rates are [arguably] the primary driver. Prices will always follow interest rates. So, figure out what moves interest rates, and you can predict prices. Read more . Mike Jones is the Chief Economist at BNZ Bank Disclaimer: Please act independently from any content provided in...

It’s not easy to understand all the views, but macro economics, geopolitical issues, cyclical and secular trends are the items we can’t control, but can find positions in. One of the big concerns I would have right now around interest rates, is short termism, or myopia ...[ read more ] My special guest is Salt Funds Chief Economist, Bevan Graham. Book in a free 15-min phone call with Darcy Ungaro...

Sarn Elliot , crypto consultant, is my special guest today and we're talking about how to 'be your own bank'. If you’re not yet into Bitcoin and you’re aware the price is now at all time highs, don’t panic – you’re still very early. Education is so important around the basics of setting up your wallet, watching out for scams, and making sure you have some sort of game plan. Better yet, take the fr...

Today it’s about buying your first home, and your next home– my guest today followed, or is following, a really simple strategy: When it's down, it’s time to step it up. Read more Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! ______________________ Affiliate Links! I may receive a financial benefit if you click on these links. The Bi...

If you've reached the midpoint of your investment journey , or thereabouts, you know – it’s about risk management more than just number go up . Read more. A special thank you to my guest, Professor Anananish Chadhuri – Lecturer in experimental and behavioural economics at the University of Auckland. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly...

When you come from nothing, the only sure-fire way to catch up to where you need to be, is to work harder than everyone else, and use leverage. If you can use other people’s money, with permission of course, and you make some correct assumptions about the future, you might be able build more, with less. Whatever the outcome, it’s more with leverage. Read more. Watch YouTube Version. Book in a free...

Today, I’m grateful to be speaking with Ian Woolford, the head of money and cash at the Reserve Bank of NZ. Central Bank Digital Currency, branded as 'digital cash' by the RBNZ, has the potential to give the banking scene the boot up the backside we desperately need. One step further, trillions of dollars of assets migrating into the digital ecosystem (which is what CBDC's help facilitate) will us...

We’re so optimised for facts, that we’ve forgotten about meaning. The inability to hold a contrarian view may blindness, or extremist views like believing in a flat earth, or that you can trust the government! Anyway, will central bank digital currencies destroy your retirement plan? The answers not 'no'... Read more. Check out research paper here. ______________________ Online courses: The Home B...

Today, I’m talking with fellow financial adviser and CEO of Guardian Smith Mortgages, and co-host of the Keep The Change podcast - Mikey Smith. We’re talking about money, how property wealth is actually created, and how central banks of the world are on a mission further digitise the money we use. Read more ______________________ Online courses: The Home Buyers Blueprint : Get a better home; Get a...

Lettuce hands need not apply. There's no need to quibble about the exact length of a property cycle. What's relevant, is that the property cycle is slower than other asset classes. This affords the everyday investor an opportunity to jump on board at more optimal times than others. Should you factor this into your decisions when buying or selling property? Read more. Today I’m talking with Kieran...

Property development can take many forms, such as subdivisions, renovations, and speculative building. While I have much to learn in this space, I invite you to join me on this journey and starting by checking out this conversation John Kenel. Read more. ______________________ Online courses: The Home Buyers Blueprint : Get a better home; Get a better mortgage. The KiwiSaver Millionaire Roadmap: F...

A cynical take on the financial services industry is understandable. There's nothing like an obvious financial benefit in the form of a commission or fee based on volume to put into question their motivation. Read more Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link . ______________________ Online courses: The Home Buyers Blueprint : Get a better home; Ge...

Paradoxically, the pursuit of pleasure or chasing comfort can itself can provide a type of meaning, though deep down, we know we're not meant for perpetual ease. Investing, even when not strictly necessary, can be about creating a meaningful struggle, and finding purpose by placing your resource at risk. On the other hand, too much action without a chance of ever ‘arriving’ is equally dangerous. R...

Today I’m speaking with the one and only Ralph Stewart. Ralph is the Founder and Managing Director of Lifetime Retirement Income, a business with over $1b in funds under management. He’s a former CEO of AXA Insurance and the Accident Compensation Corporation (ACC). Ralph’s a smart cookie, and he’s on a mission trying to free the equity-rich cash poor prisoners out there. Read more . Book in a free...

I know that I can’t predict the future, but I can see something coming to how our money works. A lot of people can. The signs are getting pretty obvious - there are significant changes afoot which may affect how, and if, you can access the future wealth you're building up today This idea may be confronting, but at some stage, a financial authority may want more of a say in how you spend your money...

The recent drop in the official cash rate (OCR) by 0.25% has sparked a flurry of speculation about the future of the property market. Those hanging on for dear life are desperate for good news and recency bias is at work here - many believe lower interest rates signal a return to the boom times. However high on hopium property hodlers are, reality is a bit more nuanced. Read more Check out the Nol...