Podcasts about KiwiSaver

The way Kiwis invest their money is changing. We sit down with Oliver Mander, Chief Executive of the New Zealand Shareholders Association, to unpack the shift from direct shares towards funds, KiwiSaver and overseas markets, the rise of DIY investing, and whether Kiwis are making the right decisions with their money.Next Steps: Want to take your investing knowledge a step further? Join us at the NZSA Conference in Wellington on the 22nd and 23rd of October - use code Lighthouse30 for 30% off your ticket.If you're investing but aren't sure whether your portfolio actually aligns with where you want to go, speak with the Lighthouse Wealth team about building an investment plan around your goals.For more money tips, follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

For more than 23 years, Stewart Group has partnered with Dimensional Fund Advisors to bring evidence-based investing to our clients.In this episode of The Adviser Talk, Rory sits down with Nathan to explore the Nobel Prize-winning minds behind Dimensional, the power of evidence-based investing and why innovation continues to drive better outcomes for investors today.(00:00:56) Welcome: Rory introduces Nathan Krieger(00:01:23) What evidence-based investing is and how it differs from active investing(00:04:02) How Nobel Prize-winning research shaped Dimensional's approach(00:08:32) Innovation, client needs and bringing investment ideas to life(00:12:53) Human behaviour, market noise and why investors struggle to stay disciplined(00:15:47) The opportunities and risks of modern trading platforms(00:17:40) The value of human advice in a digital world(00:18:09) If Dimensional started today, what would be different?Rory O'Neill is a Financial Adviser as well as the Director and General Manager at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions.The Adviser Talk is available on all major streaming platforms, including Spotify and Apple Music.The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visiting our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

We've heard a lot in recent years about how many more people are turning to their KiwiSaver accounts when they're in financial strife. But the Retirement Commissioner is doing some work to look into whether all those claims are being submitted in good faith. Money correspondent Susan Edmunds spoke to John Campbell.

Send Us A Message! Let us know what you think.Major changes are coming to how New Zealand funds housing infrastructure! In this Week in Review episode of NZ Property Insights, Debbie Roberts breaks down Housing Minister Chris Bishop's newly confirmed standardized development levies kicking in by 2029, requiring government departments to pay their fair share and bringing in the Commerce Commission as an independent regulator. Plus, we examine fresh Cotality data revealing why a pullback from "movers" (existing homeowners trading up) is the single biggest driver of the residential sales slump, average KiwiSaver balances crossing $40,000, proposed retirement village payout reforms, and new FMA data tracking how banks pass OCR hikes to floating mortgage rates. Key Episode Highlights & BreakdownTopic 1: Average KiwiSaver Balances Break $40,000 MilestoneAverage KiwiSaver balances reached $40,340 (up 11% year-on-year) with total scheme funds reaching $138.8 billion. Why payday automation remains the most effective driver of long-term wealth compounding. Risk alignment warnings: The cost of 40-year-olds remaining in conservative default funds with 20–25 years until retirement. Topic 2: Retirement Village Reforms & Payout ProtectionA grieving family faces indefinite delays receiving a $220,000 estate payout from an internal village move. Associate Housing Minister Tama Potaka's proposed reforms: mandating a 12-month maximum repayment window, interest after 6 months, and halting weekly fees immediately upon vacating. Why Occupation Right Agreements (ORAs) require specialized legal review before signing. Topic 3: Cotality Report — Why "Movers" Are Driving the Sales SlumpAnnual residential sales fell 3.2% to 89,043 transactions, led primarily by a 6.6% drop in relocating owner-occupiers ("movers"). Upgraders face 27% less deposit equity compared to the late 2021 market peak alongside job security concerns. Why less competition from movers creates strong price leverage for active buyers in today's quiet market. Topic 4: FMA Data — Banks Pass 100% of OCR Hikes to Floating RatesFMA tracking of 8 major lenders shows banks passed 100% or more of recent OCR increases to floating debt while leaving on-call savings rates stagnant. Floating rates have returned to pre-October 2025 levels despite the OCR sitting lower at 2.75%. Actionable cash flow advice for variable-rate borrowers and low-yield account holders. Topic 5: Housing Infrastructure Development Levies Confirmed for 2029Councils will transition to standardized development levies starting in 2029 under housing infrastructure reforms. Core Crown departments (Ministry of Defence, Corrections) will pay levies for the first time alongside private developers. Commerce Commission steps in as an independent regulator to stop overcharging and standardize calculations nationwide. Targeted localized levy zones aimed at solving deficits like Auckland Council's $5 billion unplanned infrastructure gap. 

In this episode of Money Made Simple, Jennie and Liv go back to basics on two of the most common ways to invest: buying shares in individual companies, or putting your money into a managed fund. They unpack what you actually own in each case, the pros and trade-offs of both, and the different types of funds you've probably heard about (but maybe thought WTF?), from share funds and diversified funds to ETFs, index funds and active vs passive managed funds. This episode covers:What you actually own when you buy a share, compared with buying into a fundWhy a share can be risky, but a managed fund isn't automatically diversifiedThe costs to check beyond the headline fee for different investmentsLiv's honest look back at her own share picking daysWhy "managed fund" is an umbrella term, not one type of investmentWhat really separates different types of funds when it comes to riskETFs explained, with a little help from a poemWhy it doesn't have to be one or the other, when it comes to single shares vs. managed fundsThis episode will give you a clear sense of the difference between choosing a company and buying into a portfolio, and why what's inside an investment matters more than what it's called.----------------------------------------------QUESTIONS TO ASK YOURSELFAs promised in the episode, here are a few questions worth thinking about before you choose how to invest:*How much time and interest do I have to research and keep an eye on individual companies? *How would I feel if one company I own dropped 40% in a bad year? How long am I investing for, and could I ride out the ups and downs? *What's actually inside this fund? *Is it broadly diversified or focused on one area? What will it cost me in total, including brokerage, currency, platform and fund fees? *Do I want my values reflected in how my money is invested? *How does this fit with what I already have, like my KiwiSaver?Just an editorial note on ETFs from our Chief Compliance & Risk Officer: Managed funds have what we call a NAV (Net Asset Value) which is how units of the fund are valued; while ETFs will have a NAV for the underlying fund that is being transacted, ETF units trade on-market at prices set by buyers and sellers throughout the day. That market price will generally be close to the NAV, but can trade at a small premium or discount to it.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

Send Us A Message! Let us know what you think.Labour drops a major tax policy bombshell! In Episode 28 of NZ Property Insights, Paul and Debbie Roberts unpack Labour's official confirmation to retain 100% interest deductibility for residential property investors, alongside the technical accounting reasons behind their Capital Gains Tax shift. Plus, we break down why first-home buyers hit a record 29% market share, Moody's new economic recovery forecast, a $2.5 billion data centre energy boom, and a staggering 190% surge in Australian buyers hunting for Kiwi real estate! Key Episode HighlightsSegment 1: $2.2B KiwiSaver Cash-Out & Record First-Home Buyer ShareOver 50,000 Kiwis withdrew $2.2 billion from KiwiSaver to secure their first home. Cotality data confirms first-home buyers reached a record 29% national market share. Why QV's -1.9% quarterly drop lags real-time market activity by up to three months. How ASB's housing outlook gives buyers an extended runway through late 2029. Segment 2: Moody's Economic Recovery Report & Data Centre SurgeMoody's projects NZ real GDP growth of 1.6% in 2026, broadening to 2.3% in 2027. Data centres are set to consume over 3 terawatt-hours of power, requiring $2.5B in energy infrastructure. Moody's warning on central government's proposed 2%–4% council rate caps. Why NZ's well-capitalized banks are keeping mortgagee sales at historical lows. Segment 3: 190% Aussie Search Surge Driven by Cross-Tasman Tax ShiftsRealestate.co.nz search traffic from Australia surged 163% in May and 190% in August following Australian tax changes. Australian enquiries jumped 134% in May, with saved properties up over 44%. Hotspot demand: Sydney, Brisbane, and Perth buyers targeting standalone houses in Auckland, Canterbury, and Central Otago. Segment 4: Labour's Interest Deductibility U-Turn & Capital Gains Tax FocusLabour confirms it will retain 100% mortgage interest deductibility ($2.8B policy over 4 years). The technical tax math: Why interest, rates, and insurance are deductible holding costs under a Capital Gains Tax regime. Political fallout: Industry reactions from Renters United, the Property Investors Federation, National, and ACT. Call to Action (Drive Masterclass & Subscriptions)

Personal finance whizz Mary Holm is with Jesse to share her thoughts on the 2026 KiwiSaver Annual Report and what it reveals.Go to this episode on rnz.co.nz for more details

What would it actually take to retire 10 years earlier?In this episode, we break down the three big levers that could get you there - paying off your mortgage faster, getting control of your spending and consistently investing - before running the numbers on what retiring at 55 could actually look like for a Kiwi couple.Next Steps: Want to know what your own path to financial freedom could look like? Get in touch with our Wealth team to build a plan around your retirement goals. MoneyHub Retirement GuideCheck out MoneyHub's guide and resources on planning for retirement.KiwiSaver Comparison ToolMake sure your KiwiSaver is working as hard as you are with our KiwiSaver comparison tool.Mortgage Interest CalculatorUse our mortgage interest calculator to see how much interest you could pay over the life of your loan.PocketSmith DiscountWant to get a better handle on where your money is going? Use our PocketSmith discount code to start tracking your spending and get your budget sorted.For more money tips, follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

In part one of our housing market deep dive, DC is joined by Kiwibank Chief Economist Jarrod Kerr to look back at the extraordinary run in Kiwi house prices, what drove the boom and subsequent fall, and why different parts of the country are now heading in different directions.They cover the impact of ultra-low interest rates, migration and housing supply, why Christchurch and the South Island have been outperforming, and the growing role of first-home buyers in today's market. Plus, they get into KiwiSaver, construction costs, our changing demographics, and why infrastructure matters so much for housing affordability.If you have any questions or things you'd like to hear us talk about, get in touch with DC david@squirrel.co.nz.The opinions expressed in this podcast are not financial advice, or a recommendation of any financial product. Any commentary provided reflects personal views and is not necessarily representative of the opinions of Squirrel. As always, we recommend seeking professional investment or mortgage advice before taking any action. Hosted on Acast. See acast.com/privacy for more information.

KiwiSaver members are generally told the earlier you start, the better. National and NZ First want to get babies going from birth with kickstart payments in their accounts. But there are concerns about a forgotten cohort. Money correspondent Susan Edmunds spoke to Guyon Espiner.

Turning 50 is not the finish line, it could be the most important financial planning milestone of all.In this episode, Nick shares why your 50s are the ideal time to take stock of your retirement plans, make course corrections where needed and ensure the next chapter of life is built on a strong foundation.The next few years can have a significant impact on your next 30. That's why having a plan matters more than ever.Enjoyed the discussion? Take a look at Nick's Canny View article, Turning Fifty: The Inflection Point.(00:02:02) What inspired Nick to write "Turning 50: The Inflection Point"(00:02:35) The earning arc: Why your 50s are often your peak earning years(00:02:42) Why your 50s are the peak years for building financial momentum(00:04:44) Simplifying your finances and avoiding a "collection of memories" portfolio(00:06:48) Why age 50 gives you time to make meaningful financial course corrections(00:07:06) Health, ageing, and how changing circumstances can impact retirement plans(00:09:07) The retirement trap: Taking your foot off the gas too soon(00:09:46) The "cookies in the jar" analogy for building retirement wealth(00:11:16) Family homes, downsizing and planning for the realities of later life(00:15:36) Lifestyle assets vs investment assets: Understanding the difference(00:20:34) Why having a financial plan and trusted adviser matters more than ever(00:22:47) Final message: Reflect, make adjustments and don't wait until it's too lateNick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) is a Financial Adviser and CEO at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance and KiwiSaver solutions.The Adviser Talk is available on all major streaming platforms, including Spotify and Apple Music.The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visiting our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

There's now something nearer to unanimity between the two biggest political parties over increasing KiwiSaver contributions. But is this enough to get balances to where they need to be?

The Labour Party wants to ban new total remuneration contracts, which include an employer's KiwiSaver contribution in a salary. National has said its open to considering the changes. Ingrid Hipkiss spoke to Geoff Summers, independent HR consultant and former Remuneration Authority chair, about how total remuneration contracts work.

What we should do with KiwiSaver continues to be a hot topic this election season. The latest party to throw their idea into the ring is Labour, which wants to lift the employer contribution rate to 6% by 2032. They would also introduce compulsory employer contributions, even when employees have paused or reduced their own share and extend employer contributions to workers over 65. Nicola Willis was quick to call the policy a "watered-down" version of National's. Both New Zealand First and National are proposing compulsory contributions for all workers but have also both announced policies that would automatically enrol babies and children. Today on The Front Page, Labour's finance spokesperson, Barbara Edmonds is with us to talk us through the plan, and why it's actually different from other parties. Follow The Front Page on iHeartRadio, Apple Podcasts, Spotify or wherever you get your podcasts. You can read more about this and other stories in the New Zealand Herald, online at nzherald.co.nz, or tune in to news bulletins across the NZME network. Host: Chelsea DanielsEditor/Producer: Richard MartinProducer: Jane YeeSee omnystudio.com/listener for privacy information.

Labour announced its Kiwisaver policy, promising to raise employer contributions, but it won't make it compulsory for workers. Political reporter Lillian Hanly.

Christopher Luxon discusses "game changing" CRL, infrastructure; Ingrid Hipkiss speaks to train driver as CRL opens; John Campbell speaks to Len Brown from City Rail Link; Barbara Edmonds discusses Labour's new KiwiSaver policy; Warriors boss discusses weekend loss, plans for next game

Labour's KiwiSaver policy includes making employer contributions compulsory from July 2028, and banning new total remuneration contracts, where an employer's KiwiSaver contributions are included in a worker's salary package. Labour's finance spokesperson Barbara Edmonds spoke to Ingrid Hipkiss.

A clear standout - as Labour rolls out a raft of proposed changes to our KiwiSaver scheme. The party's promising to lift the employer contribution rate to six percent by 2032 - if elected. Labour would also introduce compulsory employer contributions, even when employees have paused or reduced their own share. Finance Spokesperson Barbara Edmonds shares the latest with Ryan Bridge. See omnystudio.com/listener for privacy information.

On the Early Edition with Ryan Bridge Full Show Podcast 2026, Labour Finance Spokesperson Barbara Edmonds shares the details of Labour's KiwiSaver policy. Auckland Councillor shares his thoughts on the opening of the CRL and if we need to establish Auckland Transport Police to keep people safe. Business Correspondent Vicky Pryce has the latest on UK GDP, the European Central Bank raising rates and a look ahead to the UK rate decision. Plus, UK/ Europe Correspondent Gavin Grey has the latest on the UK national security adviser saying Europe must be ready to endure "real hardship" this winter if it is to keep up economic pressure on Russia and Reform UK receiving two £36m donations from British cryptocurrency billionaires. Get the Early Edition Full Show Podcast every weekday on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVE See omnystudio.com/listener for privacy information.

In this episode of Money Made Simple, Jennie and Liv take a trip around the world to see how different countries tackle the very large question of retirement. New Zealand has NZ Super and KiwiSaver, but elsewhere the mix of government support, compulsory saving and personal choice can look quite different. From Australia's compulsory super contributions to Singapore's all-purpose CPF, the Netherlands' three-pillar model and America's 401(k), Jennie and Liv compare who pays, who carries the risk and who might miss out.This episode covers:The important differences between a government pension and a funded retirement savings schemeWhere New Zealand's mix of NZ Super and KiwiSaver sits within the global pictureWhy Australia's Age Pension is means tested, and how it compares to NZ SuperWhat Australia's 12% (in 2026) employer contributions buy, and what they cost you todayThe Singapore fund that pays for housing, healthcare and retirementHow one country has tackled the problem of outliving your savingsWhy the Netherlands keeps topping the global retirement rankingsWhat America's 401(k) system gets right, and who it leaves behindThe retirement ages around the world that might surprise you (and make you want to move abroad!)The important balancing act behind every system: security, flexibility, fairness and costResources referred to in this episode:- Mercer CFA Institute Global Pension Index - annual global ranking of retirement systems: https://www.mercer.com/insights/investments/market-outlook-and-trends/mercer-cfa-global-pension-index/You won't come away from this episode with a verdict on which country has retirement 'sorted', but a clearer way to think about the questions NZ keeps needing to ask, and eventually answer. Every system is really a set of choices about who contributes, who carries the risk and who might get left behind.*Please note, this episode discusses retirement rules, contribution rates and eligibility settings which can change at any time, and are accurate as at the date of publishing. It does not account for your own circumstances which may differ from what is discussed.*---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

Today’s farmer panel discusses the dairy season in Canterbury, putting Halter collars on cows, social media, lambing in Te Akau, KiwiSaver for Young Farmers, and farmers needing to understand the three-leaf stage of grazing management.See omnystudio.com/listener for privacy information.

Send Us A Message! Let us know what you think.New Zealand's major banks have officially lifted variable mortgage rates following the Reserve Bank's latest 25 basis point OCR hike. What does this mean for your home loan, and how are fixed rates holding up? In this episode of the Week in Review, Debbie Roberts (Owner & Financial Adviser at Property Apprentice) breaks down the biggest property and finance headlines across Aotearoa. From National's proposed $300,000 income threshold for 5% deposit First Home Loans to Barfoot & Thompson's latest August sales figures signal an Auckland market tipping point, we deliver the practical insights you need to navigate today's property market. In This Episode:Floating Mortgage Rates Shift: All five major banks (ANZ, BNZ, ASB, Westpac, Kiwibank) have raised variable rates by 25bps. Discover why 92% of Kiwi borrowers remain insulated on fixed terms and what ASB's customer repayment data tells us about household resilience. Lessons From Australia's Property Market: Australian home values fell for a fifth consecutive month, led by Sydney (-7.1% from peak). We analyze why persistent construction bottlenecks mean structural supply shortages remain unresolved across the ditch. National's 5% Deposit Scheme Expansion: National proposes raising the First Home Loan income cap to $300,000, potentially opening low-deposit options to over 90% of households. We weigh the benefits against the 1.2% government mortgage insurance fee. Auckland Market Tipping Point: Barfoot & Thompson sales dropped to their lowest August volume since 2022 while median prices edged up to $955,000. What this stabilization means for active buyers and sellers. KiwiSaver Loophole Closed for Rural Workers: A new amendment bill will finally allow farm staff, rural teachers, and police officers in employer-provided housing to access their KiwiSaver for a first home or farm purchase. Free Financial Education & Events Want to build a resilient, cash-flowing property portfolio using proven, independent strategies? Join Debbie Roberts at our next live, free online event: How to Succeed with Property Investing. 

Record numbers of people are withdrawing money from KiwiSaver to buy a first home, but the bank of Mum and Dad is still helping. Mortgage advisers say that the way they are doing it is different than in the past. Money correspondent Susan Edmunds spoke to John Campbell.

The National Party has fallen foul of advertising standards with a flyer that makes a false claim about a Labour tax policy. The brochure that was mailed directly to some voters stated Labour's Capital gains policy would hit the the family bach, rentals, small businesses and Kiwisaver. The Advertising Standards Authority found National's claim about Kiwisaver being subject to CGT under Labour was likely to mislead and confuse people. Professor of Marketing at the University of Canterbury, Ekant Veer spoke to Lisa Owen.

Here is a stereotype we have to break, especially given the solution is now available. There was a young woman in her 20s, in the beauty industry, training as a nurse and will go into the private sector. She has a plan and good on her. As part of this particular conversation though, she says she can never see herself owning a house. Of our five kids, one or possibly two, I suspect they feel the same, and yet the National Party's 5% deposit announcement made over the weekend changes all of that. Of all the policy released so far from any party, this is by far the most consequential. There is no Government-owned supermarket, they won't be breaking up gentailers, or buying BNZ back. This campaign has been full of fanciful nonsense. But the 5% is not only real, it's doable. It's so doable it looks likely the Labour Party will copy it and, above all else, it's the most important thing a policy can be – practical. 5% of a $700,000 house is $35,000. For most young people they can see that. 20% of that house is $140,000. That's not real. At last, the biggest issue around housing is solved. It used to be solved, and we used to do this routinely, until we ballsed it up in yet another example of taking a problem that never existed and messing it about. 20% was never needed. The only thing preventing 5% deposits was Adrian Orr and the Reserve Bank and an unhealthy fear of carnage. Even if you end up for a period in a flat market, as we have now with negative equity, it will pass. It always does. Even if housing in New Zealand never grows at 10% a year ever again, it will grow. And what I know, as sure as night follows day, is we love houses. We dream of owning our own place. That is the constant in this whole mad debate that too many people have made too complicated. Banks should never have been dictated to by the central bank because retail banks know what they're doing. Between a government-insured scheme and KiwiSaver and retail banks, there should never have been a hurdle as large as it was. There should never have been a generation for whom owning a piece of their country was seemingly beyond them. The 5% policy sorts it. The trick now is to get that message out to people like the trainee nurse, who still don't know how close they might be. See omnystudio.com/listener for privacy information.

Sam Stubbs once looked a lot like a finance bro – he'd made a small fortune at places like Goldman Sachs in London and Hong Kong. But 10 years ago, the gamekeeper turned poacher; Stubbs founded Simplicity, a KiwiSaver non-profit. In the years since it's spawned a housing developer and now an infrastructure engine, InfraKiwi.Stubbs is rarely shy about sharing his views on politics, and so he's paying close attention to the 2026 election, which comes at what he calls a crucial juncture for the country. He sits down with Toby to talk about KiwiSaver, about tax, and about the election campaign. Plus: given his political engagement, could he go one step further and stand for parliament?Then, in How Good, the Spinoff's Sophie Albornett goes to hand-pulled noodle heaven at FJ Noodles and Dumplings in Wellington.At Large with Toby Manhire is produced by Te Aihe Butler and The Spinoff. Read more at ⁠thespinoff.co.nz⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Both major parties took a hit in the recent Taxpayers' Union-Curia poll, with both Labour and National dropping below 30 percent. National holds the lead at 29 percent, while Labour has tumbled to 25.9 percent - and the Greens have jumped to 13.9, ACT is on 10.5 and Opportunity has fallen all the way to 4.5 percent. National's Nicola Willis says the party is committed to reminding voters that it aims to fix the basics and build the future - and to highlight the proposals of the opposition parties. "We've been delivering a lot of policies, whether that's universal KiwiSaver, extending paid parental leave, extending eligibility for first home loans, reducing the student loan repayment rate - we've been delivering a lot." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Today’s farmer/politician panel features the Associate Minister of Agriculture and a “renowned Wellington property magnate” who’s also the MP for Northland. Today, we ponder the Q+A rural issues debate, taxes, net zero, the Paris Agreement, KiwiSaver for young farmers, and the Greens wanting to get into the supermarket business.See omnystudio.com/listener for privacy information.

Ask different AI models who is the best KiwiSaver provider or investment manager and get a potpourri of different answers. All confident. Most contradicting each other. AI is likely recycling whatever's loudest online. Yet there's no single 'best' - only the best for you, with your goals and your circumstances.Richard Conway, CEO of The Optimisers and a leading voice on AI and search optimisation, is an authority on how these models reach their conclusions. The implications go far beyond retirement savings; AI is now influencing how people choose accountants, lawyers, power companies, even doctors.Join the Monday Call team as we speak with Richard about what this means for investors, advisers and consumers alike. There's no debate AI is powerful and convenient, but should we hand over how we make important decisions? Or does good advice really require care, context and judgement – and an understanding of what matters to you?

Should young farmers be able to dip into their Kiwisaver to buy their first farm? How would the government support livestock farmers if a foot-and-mouth outbreak erupted? Is New Zealand too reliant on Elon Musk's Starlink for rural connectivity? Locals at Q+A's Rural Issues Debate in Morrinsville ask these questions and more to the panel of candidates: NZ First's Mark Patterson, Greens' Steve Abel, National's Todd McClay, Labour's Jo Luxton, ACT's Andrew Hoggard, and Opportunity's Daniel Eb. Catch the full debate on Q+A's YouTube page, or at TVNZ+. Te Pāti Māori was invited to attend this debate, but they were unable to due to conflicting commitments at Koroneihana. Join Jack Tame and the Q+A team and find the answers to the questions that matter. Made with the support of NZ on Air.

Waikato Dairy Farmer, talks about the difference the new amendment to Kiwi Saver that is currently going through the select committee, could make for young people wanting to purchase a farm. See omnystudio.com/listener for privacy information.

Jeez, I'm not going to lie, I love the punitive part of National's student debt policy. In case you missed it, it is essentially this: go easier on people with student loans who still live in New Zealand and crack down harder on those with loans who live overseas. National says it's a bid to keep our brightest graduates here. Do I think that's actually going to work? No, I don't. I don't think raising interest on loans from 5.6 percent to 6.6 percent for people living overseas is going to stop someone from leaving when they can, in some cases, move to Australia and double their income. They're still going to go, aren't they? And do I think a Kiwi paying back their student loan in New Zealand is going to stay here because they're now only paying 10 percent of their income towards their student loan instead of 12 percent ? Again, no. Frankly, I don't think this is going to make a jot of difference to the so-called brain drain. But what I think it is actually going to do is crack down on the bludgers who take a ride on our generous education system, study essentially for free, then bugger off overseas, pay taxes in another country and never pay this country back. It's going to lower the threshold of what authorities need to prove, which should make it easier for them to arrest these people at the border. It's also going to freeze defaulters' KiwiSaver accounts until they actually pay New Zealand back in full. Right, so until they've paid us back, they don't get access to their KiwiSaver accounts. It grinds my gears every single time I read stories about people absolutely taking the mickey, refusing to pay this country back for putting them through university and then swanning back from overseas to visit Mum and Dad for the summer hols as if they're not obligated to pay when they are. Ninety-three percent of our outstanding student loan debt is held by people who are overseas. Ninety-three percent. Do you remember the doctor? This was the worst case of it. The doctor who moved to Australia and owed us $180,000. Then he came back here, got himself arrested at the border because he owed us $180,000 and then moaned about it, saying he didn't think he could afford to pay it back. He was a surgeon. There's a two-way billboard right there. This policy, I don't think, is going to stop the brain drain. But I'll tell you what: it's going to lead to a few actual arrests and I'm okay with that. LISTEN ABOVESee omnystudio.com/listener for privacy information.

When it comes to your KiwiSaver fund, do you get what you pay for?

How much does the average New Zealander earn, owe, and actually have saved? The real numbers are more sobering than you'd think.In this episode, Ed and Andrew run through the numbers on income, debt, savings and KiwiSaver ... and what each one means for you. You'll learn:8 jaw-dropping money stats about the average Kiwi Whether you're ahead of the pack … or behind the average Kiwi The money moves you can make todayThe numbers are confronting. But knowing where the average sits is the first step to getting ahead of it.And click here to see who is on the Opes Top 10 financial advisers in NZ list .For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠

Some KiwiSaver funds are smashing it. Others are leaving investors wondering what they're paying for.In this episode, we reveal the top-performing KiwiSaver funds across balanced, growth and aggressive categories, unpack the impact of fees on long-term returns, and explain what you should actually look at when deciding whether your KiwiSaver provider and fund are right for you.Next steps: Compare your KiwiSaver: Use our free KiwiSaver calculator to see how your fund's performance and fees stack up.Book a KiwiSaver review: Get a personalised KiwiSaver recommendation from our team. Missed Part One? Watch our previous episode where we break down how to structure your investments in retirement.For more money tips, follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Why are we more comfortable talking about our voting preferences than our KiwiSaver balances?Luke Kemeys of Keep the Change tells us why money is New Zealand's last taboo — and the opportunity cost of that silence. So why do so many Kiwi avoid even sharing their finances with family? What’s the downside of our cultural love of holding cash? Is a culture of Tall Poppies holding back our economy?Luke shares his own history of credit card debt and the backlash to branding himself as a millionaire, and how normalising wealth conversations could make the whole country better off. For more places to follow Shared Lunch—check out http://linktr.ee/sharedlunch Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.See omnystudio.com/listener for privacy information.

Property investors get painted as greedy speculators and would-be land barons. The data tells a very different story. So, we analysed 4,381 real retirement plans to find out what Kiwis actually want when they invest.In this episode, Ed and Andrew reveal the findings from the Opes Partners What Investors Want Report. You'll learn:The real reasons Kiwis invest How many properties do most investors actually need Why property fills the gap that Super and KiwiSaver leave behindKiwis don't invest to be the richest people in the graveyard. They invest to retire a bit early, see family, and stop stressing about money.Download your copy of the What Investors Want report here.Book a meeting⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠

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 this, but is asking the government to make more rules around KiwiSaver really the right answer? Ben Davin and Mark White-Robinson join me to discuss. If you'd like to sign up to Feijoa, enter in the NZINVESTOR code at checkout for a discount.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.Affiliate Links!The Bitcoin Adviser: Plan for intergenerational digital wealth.Hatch: For US markets.Revolut: For a new type of banking.Sharesies: For local, and international markets.Loan My Coins: Bitcoin lending product.Exodus: Get rewards on your first $2,500 of swapsGet Social:Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.www.radicalinvestment.co.nz________________________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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

What would it actually take to make New Zealand wealthier?Sam Stubbs, Co-Founder and Managing Director of Simplicity, shares his blueprint for New Zealand's future, exploring tax reform, inequality, KiwiSaver, domestic investment, AI, infrastructure and why saving and investing more could be the key to building a wealthier country for generations to come.Next steps:Explore Simplicity's approach to KiwiSaver, investing and long-term wealth creation.Looking for personalised financial advice? Learn how Lighthouse Financial can help you make confident decisions with your money.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

The future isn't as bleak as you think.Sam Stubbs explains why he believes New Zealand is on the verge of one of its greatest economic opportunities, exploring the future of KiwiSaver, entrepreneurship, capital investment, infrastructure, productivity, wealth creation, and why the next generation of Kiwis could be better positioned than ever before.Next steps:Learn more about InfraKiwi and its vision to help build New Zealand's future. Explore Simplicity's approach to KiwiSaver, investing and long-term wealth creation. Looking for personalised financial advice? Learn how the Lighthouse team can help you build your own financial future. For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

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 it.Is it a good idea for you to own Bitcoin in your KiwiSaver? 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.Affiliate Links!The Bitcoin Adviser: Plan for intergenerational digital wealth.Hatch: For US markets.Revolut: For a new type of banking.Sharesies: For local, and international markets.Loan My Coins: Bitcoin lending product.Exodus: Get rewards on your first $2,500 of swapsGet Social:Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.www.radicalinvestment.co.nz________________________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, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

What's driving an increase in the number of people choosing to change their KiwiSaver provider and how can you know whether you should do the same? Money correspondent Susan Edmunds spoke to John Campbell.

Why does it feel like you're working harder but getting nowhere?From rising living costs and inflation to mortgage strategies, KiwiSaver, emergency funds and practical ways to build financial resilience, James and Mike break down why so many Kiwis are feeling the squeeze and the steps you can take to strengthen your finances in today's economy.Next steps: Feeling the pressure of rising costs? Speak to the Lighthouse Financial team for personalised advice on your mortgage, KiwiSaver, investments and cash flow.Can't Refinance Your Mortgage? Watch This Episode Learn More About Balance Transfers HereReview Your Insurances HereFor more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Do you manage the household bills but still feel unsure about investing, KiwiSaver or planning for retirement? Investment manager and The Curve co-founder Victoria Harris joins Francesca and Louise to cut through the jargon and explain how women can start building their financial confidence—no matter their age or how much money they have. From emergency funds and KiwiSaver to ETFs and investing your first dollar, this episode offers simple, practical steps to help you finally get started.See omnystudio.com/listener for privacy information.

I had a great chat with Rose and Adam on a cold winter's day in July, and this warm and friendly duo came to our conversation well prepared. Just over 20 years ago, they made the move from Israel to Ōtautahi Christchurch. They joined KiwiSaver early, eventually bought a home of their own, and continued investing in both the sharemarket and residential property. Mindfulness is also central to their lives. Their daily meditation practice and Zen philosophy have taught them to let go of drama, avoid dwelling on setbacks and view mistakes as opportunities to learn. That perspective is particularly valuable now as they chase down FIRE and rethink their investment strategy. While some of their investments are doing extremely well, others are performing extremely poorly. After eight years of owning rental properties, they have accepted that the strategy has not worked for them. They are now steadily untangling themselves from those investments and redirecting their money towards share investments they better understand and believe in. Throughout their relationship, they have always lived within their means and spent less than they earn. Combined with their mindfulness practice, that habit allows them to view past mistakes as tuition fees rather than failures: take the lesson, make a better decision and move forward.

 RNZ's Money correspondent Susan Edmunds answers more questions about her new KiwiSaver book.

Could your KiwiSaver be investing in something you don't agree with?Around $900 million of KiwiSaver money is now invested in weapons-related companies. James and Mike sit down with Lily Richards, Chief Marketing and Client Officer at Pathfinder KiwiSaver Plan to explore ethical investing, how to check what's inside your KiwiSaver, whether responsible investing impacts returns, and why understanding where your retirement savings are invested could be just as important as how much they earn.Next Steps:Learn more about Pathfinder Check out the Mindful Money websiteCreate Your Own: Mini Ethical Investment Policy Want to make sure your KiwiSaver matches both your financial goals and your personal values? Speak with the Lighthouse Wealth team for a KiwiSaver review and find the fund that's right for you. For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Analysis by a charity that support financial mentors says households are working harder simply to stand still. Yet for many, even that seems like a position to aspire to. FinCap's latest Voices report shows one in eight clients were seeking help for a KiwiSaver hardship application. Since 2015 there has been a 1046 percent increase in KiwiSaver hardship withdrawals nationwide. Senior policy advisor at FinCap, Jake Lilley spoke to Melissa Chan-Green

Mary Holm is with Jesse in the Auckland studio to talk about personal money matters - this week she's turning her attention to what you should do when shares and KiwiSaver funds wobble. Spoiler Alert - ignore the wobbles and stay the course!Go to this episode on rnz.co.nz for more details

00.00: Intro 02.20: Pink Panther crime 06.50: Top 6 - Things that happened at Mr Beasts wedding 12.00: Police are going after Gang members Kiwisaver 17.00: SLP - Do you like 'U' shaped travel pillows? 22.50: We're giving up the instagram dump/reposts 28.30: Shannon's Hack 37.40: What happened at school camp? 54.55: What was the kissing injury? 1.07.10: Fact of the day 1.11.30: Vaughan's towel whipping 1.17.20: Girls lairs are the new man cave 1.20.00: What's your small town claim to fame? 1.29.00: QLP - Where do you go to eat your lunch? 1.35.00: MCann in the CW games See omnystudio.com/listener for privacy information.