Smart Money

Some kids have a nack for saving, a piggy bank full of coins - while some never get it. So what is it that makes someone good with money? LISTEN ABOVESee omnystudio.com/listener for privacy information.

Tim Beveridge is joined by Koura Wealth founder, Rupert Carlyon, to discuss the inner workings of a KiwiSaver fund and how to best use KiwiSaver. LISTEN ABOVESee omnystudio.com/listener for privacy information.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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

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.

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.

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.

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 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.

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.

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

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.

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.

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.

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 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.

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'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.