NZ Everyday Investor

When you borrow money, own a home, have kids, or even just enjoy the same group of friends, often your connection to it is via a partnership. You're jointly and severally entangled into all you know, love, and value.   If it all falls apart, wouldn't it be good to know the art in how you build back up again? Read More Bridgette Jackson is a divorce coach and she heads up Equal Exes. _________...

Traditional Web2 finance will make progress, but eventually, Web3 will meet it in the middle. Ready to build wealth for the future - keep an open mind. Follow me Twitter: @UngaroDarcy Follow Charlie Twitter: @CyborgCharlie ______________________ Take The Home Buyers Blueprint : Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockst...

As we're being kept safe from 'deflation due to recession', we're also losing the benefit of deflationary abundance. Check out the article mentioned here Connect with me on LInkedIn ______________________ Take The Home Buyers Blueprint : Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foun...

Higher for Longer, or Lower and Sooner - in this one, we take a look at 'recency bias', and how a risk premium (due to geopolitics/war) may lead to higher rates for the foreseeable future. Chasing the Joneses In this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between,...

The US Fed appears to be talking a tough game, and right when all the talk in NZ made it sound like a 'done deal', early signals are calling for another hike (or two) to our OCR. We are NOT out of the woods yet. So is it 'lower and sooner', or higher for longer - today I'm talking about recessions and depressions. ______________________ Take The Home Buyers Blueprint : Get a better home; Get a bet...

The bitcoin ETF, is the 60/40 portfolio dead, and is Darcy Ungaro a bitcoin maxi? Special thank you to Jeff Nijsse, host of the Blockchain NZ Podcast. Check it out here Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link . ______________________ Take The Home Buyers Blu...

To choose the best time to lock in your mortgage rate, you need to get three things right: How much will rates change? Which direction will rates go, and when will the rates change. It may seem like a lot of work, but think of the potential reward - if you timed it right at the bottom of the interest rate cycle, you would still be paying less than 3% with almost two years to go. Read more here. __...

Part 2: Mortgage Strategy 2024 / CHA$ING THE JONE$E$ Have time on your hands? You're more likely to engage in low-value activities. Net immigration is high? Expect higher rents and house prices later on. Too much new credit creation? Watch interest rates fall first (price of money falls with higher supply), then watch them rise? New money supply hits asset values first, then the things we need for...

Part 1: Mortgage Strategy 2024 / CHA$ING THE JONE$E$ Is the ‘real’ cost of pursuing a 'secure' retirement quantified by NOT pursuing the upgraded kitchen today? The trick for individuals and as a collective is to optimise over both time zones of today, and tomorrow: 'The already and the 'not yet'. The government's the same: Optimise for long-term economic growth, or address the social needs of tod...

Optimism is returning to the market as interest rate drops may be on the horizon. The bottom may be in - it's early days and we're not out of the woods yet, but those thinking of selling this year, or buying, should pay attention to the pieces falling into place. ______________________ Take The Home Buyers Blueprint : Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire R...

A 1-10% allocation towards bitcoin may improve performance of an overall portfolio, without an out-sized increase in volatility. Read more here US M2 FRED - https://fred.stlouisfed.org/series/WM2NS Yield curve FRED - https://fred.stlouisfed.org/series/T10Y2Y How to take self custody step by step article written by kiwis for kiwis - https://kiwibitcoinguide.org/articles-and-guides/how-to-set-up-a-b...

Interest rates may be Higher for longer, or we may transition into an age of abundance. In the meantime though lower interest rates for 2024 is likely what we’re getting. The US Fed Indicated this late last year, and the RBNZ will likely follow suit– we’ll know in a couple weeks. ______________________ Take The Home Buyers Blueprint : Get a better home; Get a better mortgage. Sign up to the KiwiSa...

How do we solve the equity rich, cash poor dilemma? Option one involves selling the home and downgrading in price to release a pile of cash to live off of. Option two, which is the subject of today, involves taking out a reverse mortgage. Today I’m talking with a Keira Billot, General manager of retail banking  at Heartland Bank. Keen to find out more about reverse mortgages for your situatio...

Sharon Zollner became the Chief Economist with ANZ in late 2017. She started her career as a macroeconomist at the Reserve Bank of New Zealand in 1998, and has also worked at the Central Bank of Norway . Sharon created the Truckometer in 2012, which is an indicator that can be helpful in painting a picture of true economic activity within the country. Read article her e Tired of missing out on ear...

Our political worldview, our childhood, and our Instagram and LinkedIn feeds can often make it hard to see things as they really are. Ps Alin Armstrong , aka Pastor Coin on X, is my guest today – Be it bitcoin or Jesus, if you’re unsure, do your own research on both. I trust many of you will enjoy this one today - so let’s get started. Oh, and Merry Christmas everyone! Read More. If you'd like to...

There are some who believe that under a gold-backed currency, governments would have to earn money, just like the rest of us do. That means they’d have to learn fast how to be efficient with how they spend, and bring in revenue. To create genuine reform in our government and to pretty much eradicate poverty in the long term, we need to limit the role of government. Here’s the short view of this wo...

Orange-pilled Canadians like hash rates, donuts, and occasionally loud shirts. Today, we’re learning where digital money comes from, and how to literally create wealth the digital world. Read more. Read the Fidelity report here. ______________________ Take The Home Buyers Blueprint : Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a...

To understand wealth better, we need to learn more about money, and how it could evolve in the future.  Today we’re going to speculate on how we may one day invest in property, shares, and use a new type of leverage using AI in a future state of the internet called Web 3.0. Today, I’m talking with Bryan Ventura. Bryan is a seasoned funds and financial services lawyer with a deep understanding...

In New Zealand recently, for example, we’ve seen a new government come to power who’ve decided to restore some of the tax rules that made property investment a viable asset class in the past. We’re also getting much-needed tax cuts, which may offset the pain from inflation for those carrying the biggest load. Our central bank is being given a much more narrow and simplified mandate—focus on inflat...

We diversify our portfolio's to lower volatility. In the same way, we should diversify our thoughts to reduce risk. The world is changing fast. Technology, geopolitics, the environment, and society are all shifting. How can we adapt and thrive? How can we prepare for the risks and opportunities? Read more Check out the last episode with Dr Reuben Steff here . Check out some of his recent publicati...

CHA$ING THE JONE$E$ In this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between, if you're balancing the life you have right now with your future life , get closer to the image of success you're chasing. Sign up to New Wealth Foundations here: Personal finance from a we...

Talk to Ungaro & Co about investing in bitcoin with a portion of your KiwiSaver, without high fees * Check out Daniel's book, Actionable Ethics and subscribe to the Daniel Natal Show here . Sign up to the newsletter! *Based on the only other provider that has exposure to bitcoin, the ethical provider we use charges lower fees. Based on a more correct view, bitcoin actually helps transition out...

Simone Anderson, a social media influencer and entrepreneur from New Zealand. Simone shared her incredible weight loss journey, which she turned into a successful book, blog, and brand. She also revealed her passion for beauty and fashion, and how she uses them to press herself and inspire others. We also discussed how we, as investors, can think differently about building wealth, and what lessons...

If our behaviours are the end state, before that was a tactical decision around what actions would be engaged in to invest. That ties into a strategy, which comes about after considering what the best approach would be to achieve your goals. How did the goals get there? Well, chances are, there’s something about you that's unique. Each of us has a 'special mission’ if you like – in fact, without o...

Chasing the Joneses Today, I really just wanted you to know that no matter what kind of investor you are today, you can become a different investor tomorrow. The results you have today, now matter what they are, likely stem from a set of skills. If you want better or different results, you’re going to need different skills. I believe from the bottom up – micro first, we should be improving as inve...