NZ Everyday Investor

Not a week goes buy where I don’t hear of the difficulties associated with buying digital assets like Bitcoin, from regulated institutions – all in the name of safety, they gate keep, ticket clip, dilute, surveil, ration, throttle, censor, inflate, tax, sequester, audit, and potentially even confiscate wealth that belongs to the people. Read more.

Special thank you to Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx and claim $20 worth of Bitcoin if you sign up (subject to t's and c's).

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Steve Orenstein is the founder of LOCATE Technologies, a publicly listed company that's relocating to NZ.

This episode is a fascinating case study around how NZ can be good at some things, and occasionally wins, despite the odds!

Please remember that all types of investing carry some degree of uncertainty. Always do your own due diligence before taking action on anything discussed in this episodes.

For more information, check out https://www.locateshareoffer.co.nz/

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Are we paying too much tax? "Yes", said all the people paying the vast majority of taxes in NZ. "No", said everyone else.

Whether we think it's fair, or it's theft, Kiwi's ought to prepare now for a future where higher rates of taxation are inevitable.

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Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.

MyRent: See...

Rick Rule, the most hated contrarian precious metals and resources expert talks to me on this one about 3 very odd ingredients in my own portfolio. We talk about gold, and how it'll play a role in everyday money, the silver price paradox, and first-time topic, uranium!

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Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.

MyRent: See why resi...

Vanessa Williams from realestate.co.nz shares a little about her own property journey, then comments on the shift currently happening in the property market.

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Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.

MyRent: See why residential property investors all over New Zealand are switching to myRent.

Provincia: Whether you're looking to invest, or you have...

Are you tax-compliant with your crypto-holdings? Over 70% of Kiwi's aren't. I'm talking with Tim Doyle, of Doyle Accountants.

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Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.

MyRent: See why residential property investors all over New Zealand are switching to myRent.

Provincia: Whether you're looking to invest, or you have a commercial property that needs better mana...

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

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Thank You

Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.

MyRent: See why residential property investors all over New Zealand are switching to myRent.

Provincia: Whether you're looking to invest, or you have a commercial property that needs better management -  they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.

Affilia...

The Official Cash Rate (OCR), which influences the floating mortgage rate, and short term fixed-rates, dropped last week. Everyone has a view around what SHOULD happen, but no one's talking about what WILL happen. Read more.

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Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.

MyRent: See why residential property investors all over New Zealand are switching to myRe...

Watch YouTube version here.

Diversification, or placing your money in more than one type of investment, needs to be applied more broadly. Spreading your bets across the US, rest of world, emerging markets, and Australasia is fine start, but the jobs not done here. If all these investments are denominated in dollars, then you still have a huge concentration problem. Read more.

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Swyftx: With over 1 million customers across New...

Ex-Financial Adviser Tony Walker joins me on this one.

Here's 4 things you’ll need to keep front of mind if you’re planning to, or you already are, handling your retirement. 1 – Learn how to identify the best, short term investment strategy 2 – Keep it simple 3 – Use your mortgage for the win, and lastly 4 – Stay laser-eyed on real returns. Read more.

Subscribe to UGRO For Your Wealth on YouTube, for property and personal finance from a New Zealand perspective.

Subscribe to The Everyday Investor - With Darcy Ungaro on YouTube, for macro topics, and the angles often...

Special thanks to Zac Townsend from Meanwhile, for joining me to unpack how life insurance works, when the money changes.

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Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.

MyRent: See why residential property investors all over New Zealand are switching to myRent.

Provincia: Whether you're looking to invest, or you have a commercial property that need...

In 2021, the combination of spiking interest rates, differential tax treatment, new RBNZ regulations, and the CCCFA, put and end to the residential property party. Although some of the sting's been taken out, many property investors are formulating a plan to exit, once any sign of life returns to the market. Where will they go?

Provincia: Whether you're looking to invest, or you have a commercial property that needs better management -  they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.

Book in a free 15-min phone call with Dar...

Big thanks to property expert John Kenel.

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MyRent: See why residential property investors all over New Zealand are switching to myRent.

Provincia: Whether you're looking to invest, or you have a commercial property that needs better management -  they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.

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The Bitcoin Adviser: Plan for intergenerational digital wealth.

H...

My guest on this one is Michael Every, Global Macro Strategist with Rabobank.

We're no better conditioned than dogs waiting for a bell to ring. Bad stuff happens, rates go down, house prices go up. Easy.

But now, after almost 4 years of watching house prices stagnate,  if you're anything like me, you're wondering if the rules have changed.

It's scary to suggest this, but I think they have. Read more

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Learn more about Loan My Coins.* For multi-signature wallets, check out The Bitcoin Adviser.*

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MyRent: See why residential property investors all over New Zealand are switching to myRent.

Provincia: Whether you're looking to invest, or you have a commercial property that needs better management -  they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.

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Markets create reality through our collective expectations and actions. It's a self-fulfilling prophecy fed by mass-psychosis. Read more.

Special thanks to Charlie Meadon, CEO of Eccuity.

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MyRent: See why residential property investors all over New Zealand are switching to myRent.

Provincia: Whether you're looking to invest, or you have a commercial property that needs better management -  they the true one-stop shop for wholesale industrial investors. Check o...

G. Edward Griffin is the author of The Creature From Jekyll Island. If you ever wanted a deeper understanding on the origin and aims of the US Federal Reserve, this is it. Learn more about Red Pill University.

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MyRent: See why residential property investors all over New Zealand are switching to myRent.

Provincia: Whether you're looking to invest, or you have a commercial property that needs better management -  t...

Recording date: 18th of July 2025

The question of whether Bitcoin is fueling a political revolution is something I’ve been chewing on for a while. I think it is, but I reached out to John Alcock to see what he thinks (and I got more than I bargained for!). Read more about it here.

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Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management -  the...

Can genuine, transformational wealth still come from work hard and focus? With record amounts of cash sitting idle in bank accounts and property markets showing signs of strain, many aspiring investors and business owners face an uncomfortable truth. Is now the time to quit, or double down? Read more.

Many thanks to Luke Kemeys, from Next Advisory and Keep The Change!

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Thank You Provincia: Whether you're looking to invest, or you have a...

Sometimes the future doesn’t tap politely. It knocks, and while the instinct is to keep the door bolted, at some stage we need to do better. That’s what’s happening right now in New Zealand, as John Alcock aims to facilitate the country's first property sale powered entirely by a blockchain. Read more.

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Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management -  they the tru...

It’s a dwelling, but it’s an asset class too - People buy property to live in it, and to grow their wealth in it. Since the early 1970’s, property values have doubled roughly every 7-10 years in many Western countries, including here in NZ. But sitting here in 2025, after watching at least 3 years of falling prices, it’s natural to wonder if the party’s over. Maybe whatever caused prices to rise for over 50 years really is starting to reverse. Before you do something foolish like sell it all and plough it all into something silly like Bitcoin, c...

New Zealand was one of the first economies where the central bank hiked interest rates.

Being first, I wonder if that means other countries watch us to see how sensitive economies are to monetary policy? Read more

Special thank you to Mary Jo Vergara - senior economist at Kiwibank.

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Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management -  they the true o...

the art of investing is balancing growth and protection, for both you and your kids. Read more.

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Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management -  they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.

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The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For...

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

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Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management -  they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.

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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 tra...

I believe the core ingredient in any wealth building strategy is the acquisition of just a few assets. As we acquire assets, we need to start thinking more, not less, about all the things that rob us, and no, not just fees. Read more.

Catch the full Michael Saylor talk here

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Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management -  they the true o...

Recently, I attended a conference which centered on what I suspect will be the future of money in a more digital world. One of the best presentations I sat through was from author (of a book called 'Broken Money') and macro-analyst Lyn Alden - 'Nothing stops this train'. The current form of money we use (fiat currency) is tethered to a leveraged system with no easy way to deleverage. Ironically, the strategy we can use as households to build wealth (leverage to buy scarcity) is what may help our governments survive the train wreck coming. Read more.

...

Has New Zealand lost its way? If so, the only path forward is to honestly acknowledge what we once were, understand how and why we’ve changed, and then chart a course for the future we want. It’s a tough question, no doubt, but like any hard problem, there’s a reward waiting on the other side. I’m joined today by Mike Grimshaw, a self-confessed ‘intellectual mongrel’ and Associate Professor of Sociology at the University of Canterbury, whose eclectic work spans radical theology, cultural theory, and New Zealand’s identity.

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In a perfect world, housing would be for lifestyle, and investments for long term planning - regardless, we live in an imperfect world. The real question becomes - what's your response to it? Jump in for number go up? If so, now's looking really, really good. *Just keep a lazy eye some of the bigger changes a foot. Read more here.

Check out the work of Ashley Church here.

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From neoliberal globalization to neo-mercantilism – This is happening, and it might not be a simple transition. Why? Because the digital transformation of money is occurring at the exact same time.

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Sign up to Easy Crypto: To buy and sell digital assets. Take the free, 5-part online course Crypto 101: Crypto with Confidence

Special Thank You to show partner, Provincia: Whether you're looking to invest or you have a commercial property that needs better management -  ...

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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Brought to you in partnership with: Icehouse Ventures is a Ki...

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

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The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

S...

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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