NZ Everyday Investor
The NZ Everyday Investor! A podcast designed for the the everyday person, who's keen to build new wealth in the new world using existing, and new tools to get the job done. 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.
Ashley Church / Should Investors FEAR This Election? Ep 546
My guest today is Ashley Church. You'll probably know him as one of New Zealand's best-known property commentators, and he's a regular voice on politics too. He's a former CEO of the Property Institute of New Zealand and the Auckland Property Investors Association, a past Chairman of the Taxpayers' Union, and the author of Prophecy Shock, a new book that takes a fresh look at Bible prophecy.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million...
Christoph Schumacher / OCR: Can't Touch This. Ep 545
Will raising interest rates make inflation worse? The OCR won’t fix an oil shock. Central banks, including the RBNZ, can create too much currency and crush demand, but they can’t print oil. When energy prices jump and stay high, raising rates mostly hits mortgage holders and businesses who use debt to grow - is it really wise to squeeze the part of the economy responsible for growth?
In this conversation I talk with Christoph Schumacher, Professor of Economics and Innovation at Massey University, co-creator of GDPLive, and author of 'Sitting on the shoulders of giants'.
Joel Robinson / Could rising 10-year yields derail your retirement strategy? Ep 544
Yields have already climbed to levels last seen in 2002 but most investors are still banking on the post-Covid inflation being a temporary spike. That was a solid assumption, but at almost a third of the way back to the 1981 highs, could it be time to look at this? Joel Robinson is the founder of Radical Investment - specialist KiwiSaver and investment advisers.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and...
Darcy Ungaro / The Retirement Plan Nobody Talks About Ep 543
I have sat across from hundreds of people with an inheritance coming, and almost always they make one of two mistakes. The less common one is when people take their foot off the gas - The knowledge of money coming justifies no budget, no discipline, no plan. Black holes for intergenerational wealth.
The second mistake is worse, and I think it often comes from a decent instinct. People live like the money is never going to come. They play it safe.
What if an inheritance didn't work as a safety net, but a permission slip?<...
Sam Garaway / Against Poverty, For Wealth Ep 542
It's a Holiday! No, wait, it isn't. It's no holiday when you're poor. You can sleep in the garage this summer and you'll be grateful. You're poor, and it sucks. Maybe there's a way out?
Christians Against Poverty, or CAP, is an organisation devoted to fighting poverty and helping people break free from a cycle of debt. Sam Garaway talks to me about their collaboration between them and Sorted (The Retirement Commission) to bring to market an app that helps place a fence at the top of the cliff. You should donate to them.
Know...
Dominic Frisby / Sound Money vs Fiat Delusion Ep 541
Dominic Frisby: comedian, author, and one of the sharpest voices on gold, Bitcoin, and government money. His main argument is that CPI figures have created a mass delusion effect, which hides the fact most Western countries have been in recession for years.
Note: Views expressed in this one may trigger Keynesian belief systems and left-wing ideologies. Sorry about that.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia...
Francisco Colombo / How To Seize Control Of The Money, Ep 540
In Argentina, currency collapse forced people to understand money. In New Zealand, we're too comfortable to ask where inflation comes from. In this episode, Francisco Colombo from Bitcoin Journey joins me to unpack how Bitcoin is being used in Queenstown's Bitcoin Basin: not as a speculative bet, but as a real, working alternative to cash. We cover self-custody, why Bitcoin passes (or fails) the classic tests of money, how New Zealand's tax treatment shapes everyday use, and why this is ultimately about self-sovereignty, not "number go up."
If you're Bitcoin-curious but haven't done the research yet, come...
Jarrod Kerr / "It's Too Soon For 2.75%" Ep 539
The Reserve Bank of NZ has hiked the OCR (official cash rate) twice off the lows and says the recovery has “most likely resumed, but remains uneven.” Headline inflation is 4.1% because of fuel, but if you take that out, you’re at 2.9% (inside the target band). I think the question is simple: can the Kiwi economy handle the hikes, or do we get a forced cut and a longer grind? My guest is Jarrod Kerr, chief economist at Kiwibank.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortni...
David Seymour / 1 Year Bright Line For Digital Assets? Ep 538
Everyday investors will have access to 24/7 share trading in the form of tokenised securities, but there's a problem.
NZ rules are built for a paper-era and no one wants to stick their neck out. Deputy Prime Minister and ACT leader David Seymour talked to me last Friday about their new proposal: A one-year bright-line test on digital-asset gains.
Will this unlock NZ's digital economy? It might.
Learn how to take greater control of your KiwiSaver: Book in a 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly...
Tim Doyle / The IRD & What Defines A 'Taxable Event'? Ep 537
Check out my Substack here.
Tim Doyle, crypto currency tax expert joins me on this one to talk about a recent case where a client of his posted Bitcoin as collateral to take out a fiat currency loan. The idea is to borrow cash, without ever selling Bitcoin, much in the same way you might top up your mortgage to free up cash without having to sell your home.
But Inland Revenue's response was to classify the posting of collateral as a disposal - Which means it’s a taxable event. What's the big deal? If...
Ed McKnight / NZ's Worst Property Market in Over 50 Years? Ep 536
We’ve been through plenty of property cycles in New Zealand, but this one feels different. It's been called the worst downturn in 50, or even 60 years. Auckland and Wellington have been hit hardest, while other parts of the country are holding up far better (and in a few places, still growing.)
Today I’m joined by economist Ed McKnight from Opes Partners to unpack what’s really going on. We’ll look at the numbers, the regional split, why some Australians are starting to eye New Zealand property again, and why trying to predict the exact bottom is usual...
Ben Davin & Mark White-Robinson / Who Should Have To Fix YOUR Retirement? Ep 535
An economist [I used to respect] was recently asked, why is debt getting more expensive?
His response?
"this is what happens when your economy is starting to show some growth and the risk for inflationary pressures shift upward."
It’s almost like our economists care too much about getting a job at the RBNZ than they do speaking the truth. Read more.
Meanwhile, just over half of all Kiwis, feel unprepared for retirement (and that includes debt-free homeowners who thought they’d done everything right.) Something has to be done to fix...
Mikey Smith & Kevin Whitmore / NZ Bitcoin Safe Haven? Ep 534
If New Zealand approved a 'de minimus' tax exception for small Bitcoin transactions, we might become a magnet for the type of people who could make this country great again.
This conversation was recorded before the Coldcard exploit, which cost hundreds of holders their coins, was known. I'm joined by Mikey Smith, founder and CEO of Guardian Smith and Treasurer of Bitcoin Policy New Zealand, and Kevin Whitmore, Chair of Bitcoin Policy New Zealand: two people who live and breathe this stuff, and who bring both the policy chops and the on-the-ground perspective to make sense of...
Joel Robinson / The Active Investment Strategy, That Works! Ep 533
The most common manifestation of active investing is timing the market. Get out at the top, sit in cash, wait for the crash, then jump back in.
I see a lot of investors thinking and doing this right now, and while it's understandable, what happens if everyone's looking at the same information? Read full article (not AI).
Special thanks to Joel Robinson from Radical Investment.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With...
Francis Hunt / If It Can't Go On, It Stops. Ep 532
On the 23rd of June 2026, something happened to the South Korean index that hasn't happened since 1980. Francis Hunt (aka 'The Market Sniper') thinks this may be the canary in the coal mine which could trigger, not just an AI 'correction', but a global credit event.
Is he a doomer, or someone with a different set of incentives? As usual, this isn't financial advice, but I do hope it gets you thinking.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You <...
Elizabeth Asmerom Asfaha / Are YOU, An Unlawful Finfluencer? Ep 531
Could you get in trouble with the FMA? From podcast hosts to social media commenters, it's easy to cross the line and end up providing regulated advice - you might think it's just an opinion, but it might cost you $200k to share it. Elizabeth Asmerom Asfaha, Regulatory Services Advisor at the FMA joins me on this one, where I consider 'am I in trouble too?'. Read some guides here for investors/consumers, or here for finfluencers/advisers.
The information provided is for general information only. The Financial Markets Authority does not assume any responsibility for...
Darcy Ungaro / When Is It Time To Sell Gold? Ep 530
The way I see it, the biggest financial mistake most people make isn't getting in wrong - it's getting out wrong.
As an example, gold is down 25% from its all-time high. If you hold any investment that drops this much within 6 months you're prone to wondering if you called it wrong.
Today I want to be honest about that. Not to reassure you, and not to panic you, but to use this as an example in how to ask the question of yourself - when's the best time for you to exit your favourite investment? <...
Kyle Hasson (host) / Who Wins When You Invest? Ep 529
Kyle Hasson, fellow financial adviser, sits down with me, Darcy Ungaro for a raw conversation about how the rules of money can benefit the investor, even when the industry doesn't.
I break down why property, once the default strategy is hitting a fork in the road, and how the real game since 1971 has been the debasement trade: trading abundant fiat money for scarce assets like Bitcoin and gold. We explain how central bank policy since 2020 supercharged asset prices, why Bitcoin is the cleanest expression of that trade.
We also tackle the 80/20 approach to investing in...
Joel Robinson / The 10 Year + Retirement Strategy Ep 528
Joel Robinson is the founder of Radical Investment. We're talking about how the investment industry treats volatility as 'risk', when in reality, it might be what you're missing.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Check out latest Substack
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for whol...
Paul Quickenden / The Great Capital Rotation of 2026 Ep 527
Special thanks to Paul Quickenden, area manager with Swyftx.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
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.
Affiliate Links!
The Bitc...
Hank Harris / Is THIS The Worst Investment? Ep 526
Hank Harris is a Limited Partner in Ego Death Capital, and co-owner of TheBitcoinShop.nz.
Check out https://sovereigntysummit.nz/
If you want to take greater control of what your KiwiSaver invests in, and if forms of 'sound money' are important to you also, then reach out. Book my free 15-minute discovery call
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or y...
Chris Hestelow / Are Passive Funds The REAL Bubble? Ep 525
Almost 40% of the S&P 500 index fund sits in just 10 stocks. Yet, low cost, passive index funds are often marketed as a way to invest in many things at once.
9 of the 10 companies are directly exposed to the AI-thematic - something that may, or may not be a bubble, depending on who you listen to.
They say the performance of actively managed funds, after fee, rarely outperform passive funds. So, does that mean we should park our intellect at the door?
Chris Hestelow, Investment Specialist at Allan Gray*, talks to me about the...
Mark McCrindle / Is Boomer Property-Wealth On Paper Only? Ep 524
Mark McCrindle is an Australian social researcher, demographer, and futurist best known for his work on generational trends and for popularising the term Gen Alpha. https://mccrindle.com.au/
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one...
Tony Steele & Zac Simpson / Financial Freedom Starts with Child Freedom Ep 523
Sensitive topic warning: Watch Rumble version here
This episode is a little different, and I make no apologies for that. Today we're sitting down with Zach and Tony from Child Rescue New Zealand, a charitable organisation rescuing children from trafficking across Asia. I genuinely believe that how you use your wealth matters just as much as how you build it, and these guys are a powerful reminder of why.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
...
Ben Macky / NZ's Trickle Down Property Boom? Ep 522
Today I’m sharing a conversation about a property investment strategy that most of us simply won’t be able to access. My goal isn’t to tease you. It’s to highlight something important: if you live in New Zealand, you may be significantly underestimating how the real estate market could rebound - from the top down. Controversial take, I know - but I do hope it gets you thinking!
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx...
Clive Thompson / Central Banks Are Stuck - Are You Prepared? Ep 521
Special thanks to Clive Thompson for speaking with me - check out his children's book on www.clivethompson.com
In this conversation, Clive Thompson explains how central banks are increasingly stuck, facing rising inflation from oil and commodity shocks while wanting to cut interest rates - leaving them with limited options in the current macro environment. He argues that central banks worldwide are aggressively buying gold as a hedge against currency risks and de-dollarization, advising gold holders to stay positioned as the monetary system continues to change.
Book in a free 15-min phone call with...
Hamish Patel / Will Central Banks LOSE Control Over Inflation? Ep 520
Will central banks "look through" stagflation in 2026? In this quick update, we break down what stagflation really means right now and whether major central banks are likely to ignore it, or will our retail banks be right and they'll forced to hike? This is a conversation between Darcy Ungaro, investment adviser with Radical Investment and Hamish Patel from Mortgages Online.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask...
Darcy Ungaro / Will Agentic Finance Make Me Unemployed? Ep 519
What’s your plan when AI comes for your job? As a financial adviser, I’m asking the same question. Social media is turning into your broker, tokenized assets are exploding, and Agentic Finance is about to change everything. In this video, I explore how AI agents could soon manage investments 24/7, why traditional “set and forget” strategies might become outdated, and what this means for everyday Kiwi investors and financial advisers. Is this the end of human advice, or the beginning of something better? Read More
Book in a free 15-min phone call with Darcy Ungaro (financial adviser...
Trevor Topfer / NZ's BIG Digital Opportunity, Ep 518
Trevor Topfer, from Blockchain New Zealand and Avatars Global, explores whether New Zealand risks missing the next boom in digital assets like tokenized real-world property, shares, and businesses. We're also covering opportunities for fractional ownership, liquidity, and accessibility for everyday investors, while touching on regulation, CBDCs, NFTs, AI's impact, and the upcoming Crypto Winter 2026 event in Queenstown.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can cryp...
Paul Quickenden / Wild West Crypto Coming of Age, Ep 517
Financial institutions like banks, nation states complete with their 'soft power' dynamics, and regulators, trying desperately to keep up. In the Wild West of digital assets, while some of us are trying to figure out if the Sheriff can catch up, this asset class is maturing. Paul Quickenden from Swyftx joins me to chat through how latest global events are shaping the future of crypto.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across...
Darcy Ungaro / Can 150 Year Old Philosophies Predict Stagflation? Ep 516
In this one I pose the question - is it a given that NZ will head into stagflation, or could there be light at this end of this oil-shock tunnel?
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true...
Andrew Hunt / Predicting RBNZ Pivot From Oil Shock Ep 515
Keen for a qualified opinion from an economist who isn't an employee of one of the main NZ banks. I am! I think it's critical to understand the REAL impact of the oil shock coming our way to NZ, and how the RBNZ may be forced to respond. Inflation, recession, perhaps a bit of both, or something completely different? Enjoy.
Special thanks to Andrew Hunt from Hunt Economics.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx...
Alan Clarke / Is THIS The Best Investment Strategy? Ep 514
In this episode, host Alan Clarke: Portfolio Manager for Diversified Funds and External Managers at Amova Asset Management, explains the Manager of Managers approach: tapping the world's top specialist fund managers to build smarter, globally diversified portfolios. With over 20 years in investment management, Alan breaks down how this strategy may work well considering interest rates, explosive AI growth and the ever present risk of a share market correction.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1...
Ryan Johnson-Hunt / How The USD Will Rule The World, With AI Ep 513
You down with USD? Yeah you know me. Well, clearly not. My long term thesis is that this dies a death. Until this occurs however, USD denominated stablecoins will create demand for US Treasuries. This will cause interest rates to drop for any USD debt-based system. For everyday investor, this means property values go up. For a time, USD-denominated stablecoins will lower the cost of money for any nation who adopts it. The US could rule the world. Unless...of course...2026 sees the rise of the non-USD stablecoin.
Special thanks to Ryan Johnson-Hunt from New Money.
<...Darcy Ungaro / 3 Ways to Turbocharge KiwiSaver Ep 512
This April, the government's increasing the minimum contributions by 0.5% for employees and 0.5% for employer contributions. Too little, too late? Step in the right direction?
Personally I think when the government intervenes, it may already be too late. We need to think of KiwiSaver as a core pillar of retirement provisioning, instead of a 'bit on the side'.
We're driving around in de-tuned cars, because we've been trained to avoid volatility.
In this one, I share the 3 simple turbochargers that you can slap on your cheap runabout, and turn into something you're excited about.<...
Chris Wilson / Are Everyday Investors Exposed? Ep 511
Chris Wilson, co-CEO of Harbor Asset Management, joins me as the spotlight goes on the narrative that bonds are dead going forward. Are institutional investors whistling past the graveyard by over-allocating to fixed income amid persistent geo-political tension, rising debt concerns, and uncertain market correlations in 2026? Or are many everyday, self-directed investors skipping bonds to chase stock upside, missing out on vital 'cushioning' for the volatility that may be here to stay. We may be wrong about bonds either way.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to...
OCR Special: Will a Higher OCR Crash NZ Property? Ep 510
Will a higher OCR crash New Zealand property, or is that just what we need? In this episode we’ll unpack why bank economists are suddenly keen on future hikes, how that lines up with record profits and rising net interest margins, and what it all means for house prices, mortgage refixes, and already‑stretched Kiwi households. I’ll finish with how I’m setting my own mortgage terms right now – including a big 5‑year fix rolling off – so you’ve got a real‑world example to compare your own strategy against.
Book in a free 15-min phone call with Da...
Rupert Carlyon / Banks Suffocating NZ Economy? Ep 509
The RBNZ’s OCR decision lands Wednesday, 18 February, and it's expected to hold at 2.25%. The deeper truth? Australian banks (ANZ, ASB, BNZ, Westpac) dominate New Zealand’s mortgage market, influence media and politics, and shape house prices and the economy at large. With fragile recovery signs amid persistent inflation, will their pursuit of wider margins on “safe” lending tip us toward Japanese-style housing stagnation? Rupert Carlyon of kōura Wealth joins to discuss.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyf...
Darcy Ungaro / Gold v Bitcoin in Monetary Reset Ep 508
Will gold, or bitcoin, come out on top in a monetary reset?
Given the volatility in precious metals, bitcoin, and AI stocks last week, it's a timely reminder...All investments come with the chance of the price going down instead of up, and if you feel fear when markets wobble, just remember the possibility it might not be what your investing in that’s the problem. The best time to change your portfolio is not when you’re spiraling and wondering if you were wrong, but when it’s clear you were right.
The best invest...
Paul Holland / Crypto Holders At Risk Ep 507
Crypto isn’t always the risk – we are. In this episode, I talk with Paul Holland about why everyday investors are losing billions to scams, how AI is super‑charging the problem, and what you can actually do about it.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank you to our show partners
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or...
