NZ Everyday Investor

For everyday people struggling to get ahead in a system that feels rigged, the path to financial security does not in fact, come from getting the degree, working hard, and trying to be liked. That’s the old world. In the new world, to build new wealth, we have to quest for objective truth. Really? Sounds a bit full on.

Check out Cody Ellingham on the Transformation of Value Podcast.

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Decades of punchdrunk capital gains now yield to occasional night terrors of leaky taps and flooded basements. Sure, it’s most likely the cyclical blues preceding a full scale recovery in the residential space, but part of this is vibe shift. So if commercial property 'just makes more sense', what's the playbook?

Joining me to discuss is Jack Revill and Carl Burling from Provincia, an unlisted property fund for wholesale investors.

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The price per ounce of gold hit $3,500 recently – up over 30% now this year alone. Why is gold pumping so hard? Read more. Andy Schectman is the CEO and co-founder of Miles Franklin (Gold dealers).

Mortgage Master Strategy 2025: Fix, Float, or Flex?

Bring your questions and get the straight facts on how long to fix your mortgage in a year shaped by Trump’s tariffs and global uncertainty. Now’s the time to get clarity on the smartest moves for your home loan-before the market makes the decision for you - keen to attend? Sign up to the...

Show me where in the wallet the salesman touched you.

These three groups have the ability to influence your wealth significantly, but they all hold secrets: Financial advisers, product manufacturers, and regulators.

At an organisational, and individual level, incentives abound in each of these three groups. Incentives which may or may not be aligned with yours.

Read more

Special thanks to Jeff Royle and David Hart for having this conversation with me.

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Trump tariffs are not the only thing going on in the world right now, and the fact that it’s occupying the imagination of a lot of people globally right now, is a reason pay attention. I think we have to make all decision carefully right now – around changing, or staying the course, especially. Read more

Rupert Carlyon is the MD of koura KiwiSaver.

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Sounds a bit woo-woo saying it, but this is my strategy. It’s why I doubled down on leveraged residential property in 2015, Bitcoin in 2017, and gold in 2019. I’ve mostly always ignored the price during these times and exclusively focused on the macro-narratives. Read more.

YouTube version for charts.

Gary Savage is an expert gold analyst and author of the Smart Money Tracker newsletter: https://www.smartmoneytrackerpremium.com

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Fees, taxes, and inflation—nothing robs your investment account more than this evil threesome. With fees, if you’re not getting value, you can move your money wherever you like, but there’s diminishing returns the further you go. With taxes, there are ways to legally reduce this obligation...Read more.

Thank you very much to Lawrence Lepard - check out his book 'The Big Print.'

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Early-stage investing is putting money into new companies with big ideas but not a lot of history. If they make it, even a small investment can yield significant returns. The best part of these returns, however, is that it has nothing to do with global trends but the company’s ability to solve a problem and generate revenue. Read more

Robbie Paul is the CEO of Icehouse Ventures.

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Tom Deacon is a senior investment analyst at Mint Asset Management, who focuses on stock research for New Zealand and Australian-listed companies in the healthcare and technology sectors. Read more

YouTube Version

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The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

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Check out YouTube version here, or read an article about this chat here.

Michael Reddell is a former senior official at the Reserve Bank of New Zealand (RBNZ). He was Head of Financial Markets from 2000 to 2003 – he was an economic adviser to the central banks of Papua New Guinea and Zambia and served on the Board of the International Monetary Fund – although being semi-retired he writes regularly on central bank issues and New Zealand's economic performance.

Check out the blog of Michael Reddell here.

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Recent research shows the average New Zealander spends about $3k per month in retirement, on top of government superannuation.

The question we should consider here, is, where is it going to come from?

From a house sale? From investment returns? Inheritance?

What about, from your investment strategy.

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Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 

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No one wants to be blamed if you lose money. The backside-covering of risk ‘disclosures’ shifts the focus to side effects rather than the cure, ironically nudging some investors to treat investing like a game of chance instead of a disciplined, long-term pursuit. Read more.

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Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 

Take the free, 5-part online course Crypto 101: Crypto with Confid...

Rowan Simpson has been, and continues to be instrumental in the success of several high-growth technology businesses in NZ, including Trade Me, Xero, and Vend.

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The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy C...

Special thanks to Dr. Simon Collins, Brandon Bucher, and Rob Clarkson. They are all co-founders of Web3NZ's 2024 Startup of the Year Lightning Pay NZ. They're working to disrupt, or even destroy, traditional payments, and I'm curious as to how that's going to work. Read more.

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The Bitcoin Adviser: Plan f...

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, the more our investments rise. More people than ever are started to notice how What happens in the world, happens with our money. Read more

I have...

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The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

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

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New Wealth Foundations: Personal finance from a wealth-builder's perspective.

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The Bitcoin Adviser: Plan for intergenerational d...

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

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The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For U...

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.

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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 posts regularly about Bitcoin on X – so much so in fact, he recently got in trouble with the CFA institute. This is when he hit m...

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 prove this yet?). Still, persistent narratives continue to paint it as detrimental. Read more

Easy Crypto: To buy and sell digital assets.

Take the free, 5-part online course Crypto 101: Crypto with Confidence

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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.

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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.

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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 these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into ac...

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.

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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 free, 5-part online course Crypto 101: Crypto with Confidence, then sign up here to Easy Crypto, and download the Exodus Wallet to...

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

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The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local...

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.

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The Bitcoin Adviser: Plan for intergenerational digita...

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.

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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 usher in the most significant changes to wealth we've EVER seen.

Concerns exist, absolutely, especially over the long term.

A responsible and trustworthy RBNZ is...

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.

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Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

New...

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

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Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

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 Trass who is the author, and perfecter, of what could arguably be called the property owners bible.

His book, 'Grow Richer with the Property Cycle...

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.

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Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence (In...

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.

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Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.<...

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.

Read more.

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Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Ro...

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 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

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Online courses:

The Home Buyers B...

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. If that idea bothers you, then I’d invite you to pay attention to today’s episode. Read more

Chec...

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 Nolan Matthias YouTube channel

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It’s not about the tools; it’s about the person using them. You’re the tool. What’s the point of obsessing over the best investments if you can’t handle it when things go wrong? Read more.

Reach out to Hayden Brown.

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