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Looking to make sense of your dollars? Newstalk ZB’s Smart Money delves into the deep, dark recesses of unwanted debt, traverses the highs and lows of investments and helps to ensure you money works for you. Our industry experts give us their top tips on a wide selection of topics including mortgage rates, stock, savings, goal-setting and retirement. Don’t wait for the lotto win. Increase your financial intelligence with Smart Money.

Newstalk ZB


    • Jun 1, 2025 LATEST EPISODE
    • weekly NEW EPISODES
    • 38m AVG DURATION
    • 294 EPISODES


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    Latest episodes from Smart Money

    Todd Hammington: The secret to employee retention

    Play Episode Listen Later Jun 1, 2025 40:14 Transcription Available


    Career progression is a significant thing to consider for most people - whether they could develop as much as they'd like at their current job, or if they would need to look elsewhere. So how can employers spot and support an employee who wants to progress? LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Martin Hawes: "No incentive for self-employed people to join KiwiSaver"

    Play Episode Listen Later May 25, 2025 41:38 Transcription Available


    The Government is increasing the default KiwiSaver contributions for employees and employers, while halving their own contributions. Employee and employer contributions will raise from 3% to 3.5%, while the Government's contributions will drop from $521.43 to $260.72. But should the Government be halving their input? LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Janet Xuccoa: Trusts aren't just for the wealthy

    Play Episode Listen Later May 11, 2025 41:37 Transcription Available


    A lot of people think trusts are only for the very wealthy, and absolutely useless for the every day person - but today's guest explains that's not the case. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Shamubeel Eaqub: We have to move toward he Australian retirement model

    Play Episode Listen Later May 4, 2025 41:14 Transcription Available


    Research by Shamubeel Eaqub finds only 32% of New Zealanders are satisfied with their financial situation, compared to 60% of Australians. He finds higher wages and a more solid retirement plan relieves financial stress for Australians - but how can Kiwis take control of their finances to ease their worries? LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Chris Di Leva: The markets aren't looking too bad

    Play Episode Listen Later Apr 27, 2025 41:19 Transcription Available


    It's a tough time for the markets and the volatility has been hard to keep track of. The tariffs have obviously had an impact - but some experts say AI developments are also a contributor. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Max Whitehead: Why are Gen X so unhireable?

    Play Episode Listen Later Apr 13, 2025 41:10 Transcription Available


    Just when they should be at their peak, older generations are being discriminated against for their age. Do we no longer value experience? LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Lisa Dudson: Here's where your money is safest right now

    Play Episode Listen Later Apr 6, 2025 40:22 Transcription Available


    While sweeping tariffs rock the global economy, it's hardly discussed how it will impact the everyday person. So, where is the safest place to put your money? LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Amanda Morrall: Are you financially 'average' - and does it matter?

    Play Episode Listen Later Mar 30, 2025 41:26 Transcription Available


    The average hourly wage is $42.57, the average annual salary is $88,500. The average home is worth $912,904, the average mortgage is $318,151. The average KiwiSaver is $37,079, depending on your age. But does it really matter if you stack up to the nations averages? LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Andrew Bascand: You can be optimistic about where the economy is going

    Play Episode Listen Later Mar 23, 2025 40:11 Transcription Available


    While the economy is looking up, the forecasts from economists aren't sending a clear message. Some are saying that even with a positive GDP result this week, we still have tough times ahead - while others say the state of global economics is an opportunity for growth in New Zealand. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Martin Hawes: Working after 65 isn't just good for your bank account...

    Play Episode Listen Later Mar 16, 2025 41:24 Transcription Available


    Is it worth working after the age of 65? Or is it more of a need than a choice? Martin Hawes joins The Weekend Collective to discuss the finances of retirement. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Amanda Morrall: Stabilising your finances in unstable times

    Play Episode Listen Later Mar 9, 2025 40:19 Transcription Available


    Amanda Morrall joins to discuss how you can stabilise your finances in the midst of an economy in turmoil. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Max Whitehead: Your CV's font could lose you the job

    Play Episode Listen Later Mar 2, 2025 40:21 Transcription Available


    Tim was recently told about an employer who binned a young man's CV for using three different fonts. Max says it's not uncommon, and there are many small mistakes that will lose you the job. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Hamish Pepper: Don't act too quickly after OCR announcement

    Play Episode Listen Later Feb 23, 2025 41:11 Transcription Available


    The Reserve Bank of New Zealand cut the OCR by another 50 basis points this week. Homeowners and hopeful buyers alike have been eagerly watching recent OCR announcements as interest rates continue to fall. But why aren't the banks following suit? LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Martin Hawes: Mortgage arrears increase by 1,100 in December

    Play Episode Listen Later Feb 9, 2025 40:18 Transcription Available


    New data from Centrix reveals that the number of homeowners behind on their mortgage increased by 1,100 in December alone. With the interest rates dropping significantly recently, why is it that homeowners are falling behind? LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Nadine Higgins: Finding the path of least resistance

    Play Episode Listen Later Feb 2, 2025 41:13 Transcription Available


    Humans are wired to find the path of least resistance - but how can that be done when it comes to your finances? LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Max Whitehead: Dust off that CV

    Play Episode Listen Later Jan 26, 2025 41:17 Transcription Available


    With a fresh year, and a wobbly economy, it's always a good idea to dust off the old CV and sure it's up to date. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Amanda Morrall: "There's a big difference between theory and practice in finances"

    Play Episode Listen Later Jan 19, 2025 41:36 Transcription Available


    With the cost of living relentlessly increasing year by year, Amanda Morrall joins Roman Travers to discuss how you can set yourself up for success in 2025, and how to boost your income outside of your base salary. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Martin Hawes: Is cash a good gift for the grandkids?

    Play Episode Listen Later Dec 22, 2024 40:59 Transcription Available


    Martins Hawes joins Tim Beveridge to discuss whether cash is a good idea for Christmas gifts, and this week's disappointing GDP announcement. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Shane Solly: What are private assets and its investment characteristics?

    Play Episode Listen Later Dec 15, 2024 41:03 Transcription Available


    The Ministry of Business, Innovation and Employment recently said that the Government is considering regulatory changes to enable KiwiSaver providers to increase private asset investments What does this mean KiwiSaver funds and how could it impact New Zealanders? Harbour Asset Management Director, Portfolio Manager & Research Analyst Shane Solly joins with more. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Max Whitehead: What not to post on social media as an employee

    Play Episode Listen Later Dec 8, 2024 40:26 Transcription Available


    Shortly after the new gang patch laws came into effect, police were seen in leaked pictures wearing confiscated patched vests. Leading into the silly season, what should you hold back on posting publicly that your management may see? Employment expert Max Whitehead joins with more. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Amanda Morrall: Changing bad spending habits

    Play Episode Listen Later Dec 1, 2024 39:58 Transcription Available


    The world of spending tracking apps is vast - but it's questionable as to whether they're even necessary. Personal finance coach Amanda Morrall joins to discuss creating sustainable change to your spending habits. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Lisa Dudson: How to teach your kids about money

    Play Episode Listen Later Nov 24, 2024 40:08 Transcription Available


    The most crucial time to teach your children about money is when they get their first jobs. Teaching good habits around money can be difficult - even more so if you weren't taught it yourself. Lisa Dudson joins to discuss different ways you can teach children how to deal with money. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Chris Di Leva: Investment markets after the U.S. election

    Play Episode Listen Later Nov 17, 2024 41:33 Transcription Available


    Investment markets have recovered significantly over the past two years following a weak 2022. And, Donald Trump winning the U.S. election is bound to have impacts on New Zealand's markets and the U.S. dollar. Director and Head of Multi Asset & Global Investment at Harbour Asset Management, Chris Di Leva joins. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Martin Hawes: The impact of Trump's win on NZ markets

    Play Episode Listen Later Nov 10, 2024 41:04 Transcription Available


    Martin Hawes joins Tim Beveridge to discuss the impact of Donald Trump's election win on New Zealand markets. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Max Whitehead: How do you ask for a raise?

    Play Episode Listen Later Nov 3, 2024 41:16 Transcription Available


    Tim Beveridge is joined by employment relations practitioner Max Whitehead to answer all your employment questions. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Amanda Morrall: Is it worth changing banks?

    Play Episode Listen Later Oct 27, 2024 41:41 Transcription Available


    With interest rates and inflation stabilising, is it worth changing banks when you're unhappy - or are they all essentially the same? Tim Beveridge is joined by Amanda Morrall to discuss. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Hannah McQueen: How to split your mortgage

    Play Episode Listen Later Oct 20, 2024 41:19 Transcription Available


    Financial adviser and coach Hannah McQueen joins Tim Beveridge to discuss how to split your mortgage to pay as little as possible in the long run. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Hamish Pepper: How have financial markets responded to the OCR cut?

    Play Episode Listen Later Oct 13, 2024 41:19 Transcription Available


    The Reserve Bank of New Zealand has announced a cut of 50 basis points to the OCR, bringing it down to 4.75%. Director and Fixed Income and Currency Strategist at Harbour Asset Management, Hamish Pepper, joins Tim Beveridge to discuss how the markets have responded and what they may do from here. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Lisa Dudson: The long term value of your savings

    Play Episode Listen Later Oct 6, 2024 41:30 Transcription Available


    Financial author and advisor Lisa Dudson joins Tim Beveridge on The Weekend Collective to discuss the long term value of your savings depending on where you put it. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Martin Hawes: Are reverse mortgages ever viable?

    Play Episode Listen Later Sep 29, 2024 41:35


    Martin Hawes joins Tim Beveridge on The Weekend Collective to discuss whether a reverse mortgage is ever viable, and the new concept of a reversion mortgage. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Ben Brinkerhoff: When to take a look at your KiwiSaver

    Play Episode Listen Later Sep 22, 2024 40:49


    Most people have an automatic contribution sent into their KiwiSaver at the end of their pay period - but experts say everyone should do an annual check on their accounts.  It's recommended that contributors check if they should change their plan or provider before or after a big life event.  Ben Brinkerhoff is the Head of Advice at Consilium and he joins Tim Beveridge on The Weekend Collective to discuss.  LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Shane Solly: Interest rates and your assets

    Play Episode Listen Later Sep 15, 2024 41:13


    Many people who own large assets or investments have one question at the front of their minds - where are interest rates headed?  Shane Solly from Harbour Asset Management joins Tim Beveridge on The Weekend Collective to discuss this and more.  LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Max Whitehead: It's time to brush up your CV

    Play Episode Listen Later Sep 8, 2024 38:39


    Max Whitehead joins Tim Beveridge on The Weekend Collective to help you clean up your CV.  LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Janet Xuccoa: The basics of trusts

    Play Episode Listen Later Sep 1, 2024 39:41


    A common misconception is that only the very wealthy need trusts, but many people may be putting their assets at risk without one.  Author Janet Xuccoa joins Tim Beveridge on The Weekend Collective to give you all the basics of trusts.  LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Martin Hawes: Don't start a small business

    Play Episode Listen Later Aug 25, 2024 39:22


    New Zealand has seen several iconic and well-known businesses close in recent months, especially those in hospitality.  Is the economy to blame, or are people choosing the wrong business?  Financial author Martin Hawes joins Tim Beveridge on The Weekend Collective to discuss.  LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Andrew Bascand: Why do we have insufficient energy?

    Play Episode Listen Later Aug 18, 2024 41:28


    An insufficient supply of energy has been a looming issue recently, but spiking costs over the past two weeks have led to growing concerns for businesses.  Andrew Bascand is Managing Director and Portfolio Manager at Harbour Asset Management. Andrew joins Tim Beveridge on The Weekend Collective to discuss how it became this bad, and when it may begin to improve. LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Lisa Dudson: When is it too late to buy your first home?

    Play Episode Listen Later Aug 11, 2024 39:53


    At what age is it a bad idea to become a first home buyer? Is it ever too late?  Financial adviser Lisa Dudson joins Tim Beveridge on The Weekend Collective to discuss this and more.  LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Amanda Morrall: Where to put your tax cut

    Play Episode Listen Later Aug 4, 2024 41:35


    Amanda Morrall joins Tim Beveridge on The Weekend Collective to discuss where your tax cut can go to take full advantage of it.  LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Max Whitehead: Same pay, same title, more responsibilities

    Play Episode Listen Later Jul 28, 2024 39:42


    What do you do when your work responsibilities keep increasing, but your pay and title don't reflect it? Employment expert Max Whitehead joins Tim Beveridge on The Weekend Collective to discuss what you should do.  LISTEN ABOVESee omnystudio.com/listener for privacy information.

    RBNZ pivots to potential lower interest rates

    Play Episode Listen Later Jul 21, 2024 40:40


    RBNZ's pivot at their most recent meeting points to lower interest rates being closer than initially predicted, says Harbour Asset Management Currency Strategist Hamish Pepper.  LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Hannah McQueen: How to find the extra pennies to kill your mortgage

    Play Episode Listen Later Jul 14, 2024 40:03


    Financial Advisor Hannah McQueen joins Tyler Adams on The Weekend Collective to discuss how you can pay off your mortgage faster, even when you don't have much left at the end of the week.  LISTEN ABOVESee omnystudio.com/listener for privacy information.

    Lisa Dudson: Dealing with financial stress

    Play Episode Listen Later Jul 7, 2024 41:14


    Financial stress has a way of seeping into every area of your life, and with the current economic climate, it's important to keep it from impacting your wellbeing.  Personal Wealth Educator from Acumen, Lisa Dudson, joins Tim Beveridge to discuss this and more on The Weekend Collective.  LISTEN ABOVESee omnystudio.com/listener for privacy information.

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