Today my guests are:Rupert Carlyon, from koura KiwiSaverMark Fowler, from Hobson WealthJust a few people on the internet talking about:The next potential 'taper tantrum'?The destructive debt domino disease straight out of China.Some good news, thenFinishing up on a few thoughts on interest rates - where to from here?Congrats to the winner of the $50 KiwiSaver credit, care of kōura KiwiSaver! No matter which provider you're with, if you tune in live and like the live Facebook video we'll pick a random name every fortnight to drop a $50 note in there. Tune in, like them all - make your retirement even better, and you'll learn something on the way!Tune in next on Wednesday the 20th of October, at 5:30pm on the NZ Everyday Investor Facebook page  

NZ Everyday Investor

News of the Money-World, Ep #17

Trustees Executors - a 140 year old institution that's in the business of trust.Trust is the foundation we all have to build on when investing. If it's shaky, the wealth you're building may still give you comfort later on, but with too much anxiety on the way there.My guests today?Ryan Bessemer is the CEO and Executive Director Robert Sloan is the Chief Risk Officer and General CounselDO YOU STILL NOT HAVE A WILL SORTED OUT? There are many ways you can sort this out either online or with your lawyer. If you like, you can make a start with Trustees Executors here. _____________________________________________________________Congrats to the winner of the $50 KiwiSaver credit, care of kōura KiwiSaver! No matter which provider you're with, if you tune in live and like the live Facebook video we'll pick a random name this coming Wednesday to drop a $50 in there. Tune in, like them all - make your retirement even better, and you'll learn something on the way!Tune in this on Wednesday the 20th of October, at 5:30pm on the NZ Everyday Investor Facebook page_____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1 - Write a review on Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - Tell your friends!7 - Subscribe! NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________   

Investing in Trust / Ep 189

Last week I had the pleasure of commenting on this exciting new Bitcoin fund by Vault Digital Funds by Stuff - you can read the article here. Learn more about how to access the Bitcoin only fund on the Invest Now platform. Check out my latest YouTube video around Bitcoin here Still keen to own Bitcoin on your own wallet but don't know where to start?  I recommend Easy Crypto for any  Crypto buyer. If you're ready to get into Bitcoin, make a start here by setting up an account with Easy Crypto . _____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1 - Write a review on Facebook, or your favourite podcast player2 - Help support the mission of our show on Patreon by contributing here3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter here6  - Tell your friends!7 - Subscribe! NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy ([crypto-friendly]financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________ 

Vault Digital Funds, Ep 188

Investing in a HOT market? What do you do - Sit it out, or giddyup? Either way, you ideally need to proceed with a strategy. Today we're talking about the value-investing methodology. Specifically, how do you find value in a market such as this? Check out Investing With Tom on YouTube. Congrats to the winner of the $50 KiwiSaver credit, care of koura KiwiSaver - No matter which provider you're with, if you like the live Facebook video we'll pick a random name every fortnight to drop a $50 in there. Like them all - make you're retirement even better, and you'll learn something on the way!Tune in next on Wednesday the 20th of October, at 5:30pm on the NZ Everyday Investor Facebook page

News of the Money-World, Investing in a HOT Market / Ep 16

The report mentioned in the show is found here. To find a trusted financial adviser in your area, find one here.Today I’m talking with Katrina Shanks. Katrina is the chief executive officer of Financial Advice New Zealand , an industry body that all types of financial advisers belong to.Katrina’s also a chartered accountant AND was a member of parliament for about 11 years. Now if you’ve ever wondered about seeking financial advice and you can’t quite figure out if you’d really benefit from it, then I hope you find today insightful. Today we'll be discussing some research which shows the difference that receiving financial advice makes in the lives of everyday investors.______________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy ([crypto-friendly]financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________

Living Your Life, Planning Your Future / Ep 186

The Reserve Bank of New Zealand is New Zealand's central bank. It was established in 1934, and although not a government department, has been wholly owned by the government of New Zealand since 1936. Like most central banks, the Reserve Bank is primarily a policy organisation, and exists to do three main things:formulate and implement monetary policy to maintain price stability and support maximum sustainable employment;promote the maintenance of a sound and efficient financial system; andmeet the currency needs of the public.So, why should you care about this topic. Well if you care for a chance to grow wealth in traditional markets, you’ll need financial stability. It’s hard to make a plan with your investing without knowing the returns and the risks. Between now and when you’re ready to spend the resource you’re trying to grow now, you need to know some things will never change. Today, you’ll hear how Central Banks around the world have been looking into this space of CBDC’s for quite some time. There’s been some progress I’m sure, but now stablecoins and decentralized finance could usher in some serious creative destruction. With the arrival of Blockchain powered, decentralized networks which can form the building blocks of an alternative financial system, there’s now a reason to move forward even faster. One of the roles of the central bank of NZ is to maintain an efficient financial system – but unless they ‘step up’ to the plate so to speak, the vacuum left behind could suck in other actors that may undermine NZ’s monetary sovereignty.It was James A Garfield who said: ‘He who controls the money supply of a nation controls the nation.”______________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy ([crypto-friendly]financial adviser), you can schedule in a free 15 min conversation just click on this link_________________________________________________________

Breaking News / Central Bank Digital Currencies / Ep 185

Cat and Christine are the hosts of  'It's No Secret' - Podcast, every Tuesday - Check them out!!Bitcoin is for everyday investors, because when it's not busy completely replacing the global financial system, it's just another thing you can invest in. It shouldn't be a big deal right?While it's just another investment option, it's quite a different one. I recall watching a documentary on light a few years ago - If my memory serves, physicists don't yet agree on whether or not light is a particle of a wave. In Bitcoin circles, regulators are trying to figure out whether or not it's a currency, or a security. I think it's something entirely different, and we should all take a bit of notice to what's going on in this space.Even Satoshi Nakamoto him/her/themselves called Bitcoin a peer to peer electronic cash system - but as a medium of exchange only, Bitcoin hasn't really found it's place. It's almost as if it's showing us what it wants to become. So far we can see it's kind of like money, it's kind of like gold, and it appears attract itself to countries and individuals on the fringe, who dream dreams of big changes in the future.The core argument of Bitcoin is around centralized vs decentralized authority. Will Government and Central Bank control currency in 10 years time, or will that power finally be able to rest on the shoulders of the community instead? I'd be amazed to see this kind of power-transfer happen with ease, however.There's a deafening silence around Bitcoin at the moment in the financial advice community too, but that will change. We're having to make a choice in this fork in the road. Bitcoin could be the vaccine for a financial pandemic yet to come, or it could just be a waste of time: Choose your side.Hope you enjoy the show today. Many thanks to Catherine for allowing me to babble on today on her podcast - I hope you get something out of it. I recommend Easy Crypto for any  Crypto buyer based in NZ (as mentioned in this show)__The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy ([crypto-friendly]financial adviser), you can schedule in a free 15 min conversation just click on this link______________________________________________________________________

Bitcoin: It's No Secret / Ep 184

Evergrande is the first positive case of what potentially may be the next global (financial) pandemic. Having said that, it may be absolutely nothing to worry.https://www.theguardian.com/world/2021/sep/21/evergrande-will-it-collapse-and-what-would-happen-if-it-didBe sure to catch the live recording every fortnight at 5:30pm (Wednesday) by following the NZ Everyday Investor on Facebook

News of the Money-World / Ep 15 / Evergrande

Is your home REALLY your castle? If you hold wealth via property - it's only 'real' if your CONNECTION to that title can be trusted.In the new world we're heading into, increasingly there may be higher standards that use better technology in the area of storing title information. If you think of LINZ (Land Information NZ) as a reference point - if this database ever becomes powered by blockchain-based technology, then the future is much closer than many of us think.Today however, we're talking primarily aboutFee Simple titleCross-lease titleLeasehold title, andUnit titleEnjoy!If you're keen to reach out and work with Mason Lockhart, you can find the details hereAs mentioned in the show - there are some significant changes coming in the banking area shortly - undoubtedly this will affect many prospective, and existing homeowners. It may also affect the NZ economy. Check out this video for more ___________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link______________________________________________________________________

Is your home REALLY your castle? / Episode 182

Check out 'Concentration vs Diversification' on YouTube. Welcome to a special episode this week with Kristen Lunmen and Rupert Carlyon about Managed funds vs individual shares – which strategy is best?It would be far easier if there was just one way to invest, but there isn’t. Sometimes it’s an either or type thing, but with today, it’s more about a spectrum: You may gravitate more towards managed funds if you prefer to put your faith in the compounding effect of the market, or you may gravitate towards shares, where you put your faith behind a specific company or small group of them I think investing in managed funds and individual shares to some degree, can make sense for many of us who aren’t meant to be at the extreme ends of that spectrum. ___________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link______________________________________________________________________

Managed Funds vs Individual Shares / Episode 181

Managed funds vs Shares?It's kind of like an extension of diversification vs concentration in a way. Kristen Lunmen, GM and co-founder at Hatch joins me along with Rupert Carlyon for a light hearted debate over the pro's and con's of each,

News of The Money-World / Ep 14 /Technical issues

Check out the recent guidance that the Financial Markets Authority recently published around Finfluencers: https://www.fma.govt.nz/news-and-resources/reports-and-papers/guide-to-talking-about-money-online/According to the Financial Markets Authority, "it’s fine to talk about financial matters online, as long as you keep it general" As someone who talks about money professionally and just for fun, I’m keen to understand the rules in both spaces. If you're relying on a wide range of content to power your due diligence, then there's a few things you should know also.Thanks to platforms like Sharesies, and Hatch, access directly into sharemarkets have been improved significantly – this is awesome.But running parallel to the democratization of access, is the democratization of financial advice too. Everyday people, and not just those who can access qualified financial advice from licensed operators, can benefit now from a wide range of content that comes from international and local sources, qualified, amateurs, experienced and brand new to the game – perhaps this is the next generation of financial adviser, potentially in function if not by name?Also as mentioned in the show: Check out the latest video on YouTube - please like and subscribe while you're there____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link______________________________________________________________________

Talking Money Online / Ep 179

Depending on how you're wired, you're going to gravitate easily to one end of the diversification-concentration spectrum. In a well constructed portfolio, it is possible for you to assemble the best components from each of these philosophies - today I'm going to discuss some of these ways.If you like to take more of a deep dive into diversification, check out this episode: [https://nzeverydayinvestor.simplecast.com/episodes/allocating-assets-growing-the-pie-rupert-carlyon]If you're interested more in concentration, check out the link in the notes for episode 115 with Cole Hauptfuhrer: https://nzeverydayinvestor.simplecast.com/episodes/the-intelligent-lazy-investor-cole-hauptfuhrerThe NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more.Just go to https://hatch.as/NZEverydayInvestor to grab your top up.Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube:5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

Diverse-Centrated Investing / Episode 178

 Rockets and Financial Advice both can be full of hot air, but still take you places.Episode referred to of the Peter Beck / NZ Business Podcast.Research referred to - Those who receive financial advice are 5% better off.

News of The Money-World / Ep 13 / The Value of Rockets and Advice

If you want an answer from me around 'How Long Should I Fix my Mortgage For?', this is not the episode you're looking for I'm afraid.My opinion pertaining to interest rate expectations, like anyone's really, is absolute garbage. Luckily, knowing which way things are going is not what's important anyway - instead, it's more about understanding  your world in the context of a wider world, that makes all the difference. In this episode, I'm trying to share a framework of understanding of sorts so you can make a better decision next time you're thinking of fixing an interest rate.Learn more about inflation and how the Reserve Bank may respond to it on Ep 172 with Sharon Zollner Learn more about modern monetary theory and inflation here on Ep 148 with Oliver Hartwich. If you'd like to understand how the global financial system works, as explained by Simon DixonIf you'd like to hear how retail banks create money out of 'thin air' by Richard Werner As mentioned in the show, the best advice I'll ever give you on a show which 'isn't financial advice', is to get real financial advice whenever you can. Getting advice when you re-fix your mortgage is the most common-sense place to start.If you want to be connected to a mortgage adviser in your area, use this link courtesy of Financial Advice NZ - Find an AdviserAs mentioned in the show, if you want to make a time with Darcy Ungaro, for an 'initial consultation' to discuss anything to do with mortgages or property, book a time here. ____________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link______________________________________________________________________  

Mortgage Re-Fixing in 2021 / Ep 176 / Darcy Ungaro

The NZ Everyday Investor! A podcast designed just for you. Let's be honest, not everyone enjoys learning about all things money, but it's kind of important we think. We select guests for our show who have a genuine story to tell - not just industry experts but people who have made great financial moves, some on purpose and some totally by accident! We hope you enjoy the show.

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NZ Everyday Investor

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