Podcasts about KiwiSaver

ANZ's general manager for business and agri discusses how the Fonterra consumer brands sale will impact rural towns and supermarket shelves.Go to this episode on rnz.co.nz for more details

This week Country Life is helping with the grape harvest, taking you line-dancing and meeting rural women at the Shepherdess Muster.You can find photos and read more about the stories in this episode on our webpage, here.In this episode:0:37 - Dairy payouts and Kiwisaver changes with Steve Hayidakis5:50 - Rural News Wrap9:40 - Pick and be merry - harvest time at Big Sky Wines17:42 - Let's go line dancing30:00 - Making memories at the Shepherdess MusterWith thanks to:Steve HayidakisJeremy Corban and Katherine Jacobs, Big Sky VineyardNigel Mooney, Linedance ChristchurchKristy McGregor, ShepherdessMake sure you're following us on your favourite podcast app, so you don't miss new episodes every Friday evening.Send us your feedback or get in touch at country@rnz.co.nzGo to this episode on rnz.co.nz for more details

Some KiwiSaver members are getting in touch with providers, worried about what the war means for their investments. Money correspondent Susan Edmunds spoke to Corin Dann.

Sponsored by ABC Insurance and KiwiSaver. Book a meeting with Brayden for a no pressure, no cost chat and make sure to say The Kiwi Wedding podcast sent you.This week, I'm joined by Charlotte to chat about her beautiful winter wedding in Queenstown and the story behind how it all came together.We chat about:


A woman who has found she's mistakenly been in the wrong KiwiSaver fund for more than a decade wants her case to be a warning to others. Money correspondent Susan Edmunds spoke to Corin Dann.

What if philanthropy wasn't an add-on to business, but built into its DNA?In this episode of Purposely, we welcome Rebecca Roberts, Head of the Simplicity Foundation, to explore how one corporate foundation has embedded giving into its core model in a way that grows alongside the business.Established alongside Simplicity NZ Ltd in 2016, the Foundation receives 15% of KiwiSaver and Investment Fund management fees. As Simplicity has grown to manage more than $10 billion, the Foundation's giving has expanded too, now distributing around $3 million in grants each year to charities across Aotearoa New Zealand.Rebecca shares how this structure works in practice, what it means to embed impact into a commercial model, and why long-term thinking matters in philanthropy.Why Simplicity chose to hardwire giving into its business model from day oneThe Foundation's three pillars: Thriving Te Taiao (Environment), Thriving Rangatahi (Young People), and Thriving Hapori (Communities)The value of medium and long-term partnerships over one-off grantsWhy co-funding and collaboration with other foundations can strengthen outcomesWhat sustainable, impact-focused philanthropy looks like in actionFrom planting more than 200,000 native trees to supporting youth pathways into employment and addressing housing and food insecurity, this conversation highlights philanthropy designed for measurable, community-level impact.Rebecca also reflects on the responsibility that comes with scale, the discipline required in funding decisions, and how foundations can balance responsiveness with strategic focus.A valuable listen for anyone involved in corporate foundations, philanthropy, impact investing, or charity leadership.

In this week's episode of Money Made Simple, Liv and Jennie tackle a surprisingly common KiwiSaver question: how do you switch providers, and is there a “right” time to do it? They break down what happens behind the scenes with your provider and the IRD, why switching can be a smart long-term move (without trying to time the market), and the most common worries that stop people from taking smart action.This episode covers: What “switching providers” actually means (and how that's different to switching funds)  The main reasons people change provider (over and above just performance and fees!) What actually happens 'behind the curtain' when it comes to the transfer process The typical timeframe it takes to switch providers, and how long your money might be “out of the market”  The 5 biggest worries around switching between providers, and which worries are valid vs. not so worth dwelling on... Resources mentioned in this episode: -  Compare KiwiSaver funds using Sorted's Smart Investor tool: https://smartinvestor.sorted.org.nz/kiwisaver-and-managed-funds/?managedFundTypes=kiwisaver- Sorted's Fund Finder tool: https://sorted.org.nz/tools/kiwisaver-fund-finder/-  IRD's list of KiwiSaver providers: https://www.ird.govt.nz/kiwisaver/kiwisaver-individuals/joining-kiwisaver/kiwisaver-providers-  myIR help info: https://www.ird.govt.nz/myir-help/logging-in/find-usernameBy the end of this episode, you'll know what the switching process actually looks like (spoiler: no awkward breakup call required), what matters most when choosing a provider, and how to make the decision based on long-term fit instead of trying to pick the “perfect” day, week or year. ---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.

In this episode, AgriHQ senior analyst Suz Bremner discusses record prices at North Island weaner fairs and the demand behind them. Rangitīkei MP Suze Redmayne explains proposed KiwiSaver changes aimed at helping rural workers into property, while Federated Farmers' Danielle Hovmand outlines why the sector has pushed for the reforms and what they could mean for young farmers.AgriHQ Insight | Young cattle demand record prices1:38 – Weaner fairs are in full swing across the North Island and AgriHQ senior analyst Suz Bremner says vendors are banking record prices. Sales at Stortford Lodge have led the way, but other regions are also cashing in as buyers look to capitalise on strong schedules.Feature | Unlocking property investment for rural workers10:06 – Rangitīkei MP Suze Redmayne joins the show to talk about the proposed changes to KiwiSaver aimed at helping farm workers and service personnel invest in property, the political process behind it, and its broader economic implications.Feds Focus | Feds celebrates KiwiSaver change18:27 – Danielle Hovmand, Feds Waikato sharefarmer chair, has been a leading voice in the push to get changes made to the KiwiSaver rules allowing young farmers to use their investment to buy a house or farm.

Are you expecting to get your KiwiSaver money at 65? It's something that most of us expect as part of being in the scheme. But one prominent investor and director says the government needs to make that more explicit - or people risk being caught out. Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.

Property or shares - which one will actually build wealth for the next generation?In this episode, James and Michael break down the long-running debate between property and shares, exploring historical returns, whether housing growth could slow in the future, how KiwiSaver and share investing are changing younger investors' behaviour, and what it could mean for New Zealand's economy if wealth shifts away from property.We're picking one Cheques & Balances listener to build a personalised financial plan with and we'll document the entire journey on the podcast. Next steps: Book a ⁠KiwiSaver check-up⁠ with our team to make sure your fund, contributions, and wider strategy are aligned before these changes take effect. 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.

From bright fishing lures to bold financial claims, this episode reveals why some private offers look irresistible and how retail investors get pulled into high-risk waters without realising it. Tim and Nick shed light on wholesale certifications, liquidity traps, and explore how behavioural biases like greed and familiarity are exploited. Find out the questions every investor should ask before they sign and the simple due diligence habits that protect everyday investors.(00:01:46) Identifying modern investment lures (00:02:01) Moving up the risk curve without realising (00:03:00) Regulator warnings and real-world examples (00:03:19) Liquidity traps and investor misconceptions (00:04:54) Behavioural biases in investing (00:05:39) Return chasing and historical lessons (00:06:22) Wholesale investor certifications (00:08:53) Private equity risks and lack of recourse (00:09:16) Due diligence essentials for private offers (00:10:41) Recognising too good to be true offers (00:10:54) Fiduciary standards like Cefex (00:13:11) Ignoring environmental and insurance risk (00:13:25) Boringly effective investing habitsNick's book recommendation: Jerusalem by Simon Sebag Montefiore | Paper PlusMusic: No Telling When The Muttonbirds The Adviser Talk is available on all major streaming platforms, including Spotify and Apple Music.Nick 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 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 visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

Danielle Hovmand, Feds Waikato sharefarmer chair, has been a leading voice in the push to get changes made to the KiwiSaver rules allowing young farmers to use their investment to buy a house or farm.

Rangitīkei MP Suze Redmayne joins the show to talk about the proposed changes to KiwiSaver aimed at helping farm workers and service personnel invest in property, the political process behind it, and its broader economic implications.

Questions to Ministers Rt Hon CHRIS HIPKINS to the Prime Minister: Does he stand by all his Government's statements and actions? CAMERON BREWER to the Minister of Finance: Are events in the Middle East impacting the New Zealand economy? Hon BARBARA EDMONDS to the Minister of Finance: Does she stand by all her statements and actions? MARIAMENO KAPA-KINGI to the Minister for Child Poverty Reduction: What immediate actions is she taking to stop the escalation of the near-170,000 tamariki experiencing child poverty and hardship, particularly for Maori, who make up a quarter of this number across Aotearoa? CHLÖE SWARBRICK to the Prime Minister: E tautoko ana ia i nga korero me nga mahi katoa a tona Kawanatanga? Does he stand by all of his Government's statements and actions? Hon Dr AYESHA VERRALL to the Minister of Health: Does he agree with Health New Zealand that "New Zealanders expect that companies involved in healthcare have secure systems and platforms that safeguard their private information"; if so, what steps has he taken to get assurance that all companies involved in healthcare have cyber-secure systems? MIKE BUTTERICK to the Minister of Finance: What recent announcements has she made regarding KiwiSaver? RICARDO MENÉNDEZ MARCH to the Minister for Social Development and Employment: Will the Social Security (Accident Compensation and Calculation of Weekly Income) Amendment Bill impact ACC claimants who have survived sexual violence, survived abuse in care, and survived traumatic head injuries; if so, how many? CARL BATES to the Minister of Justice: What action is the Government taking to address disorderly behaviour in our communities? Hon GINNY ANDERSEN to the Minister of Police: Are there more or fewer individuals on the National Gang List since he took office? Dr VANESSA WEENINK to the Minister of Health: What recent announcements has he made about the use of AI scribes in our emergency departments? ANDY FOSTER to the Associate Minister of Health: What announcements has she made regarding tobacco and vape sale compliance?

Send Us A Message! Let us know what you think.Is a flat property market actually your best window of opportunity? In this episode of The Week in Review, Debbie Roberts from Property Apprentice unpacks a New Zealand market that is finding its feet, but moving at a glacial pace. While the headlines might sound sobering, there are massive opportunities hiding in plain sight if you know where to look.We dive into a shocking report revealing how young women are being left behind on the property ladder, alongside alarming Westpac data showing that 1 in 3 Kiwis currently have less than $500 in savings.Plus, we cover why ANZ economists have downgraded their 2026 house price forecasts to just 2%, why landlords are increasingly anxious about tenant legislation, and the good news about property asking price reductions hitting a two-year low—signalling the ground is finally firming up.Key Topics Covered:Landlord Anxiety: Why lower competition makes this the perfect time to buy.The Gender Property Gap: Breaking down the income and knowledge barriers keeping women out of the market.ANZ's 2026 Forecast: What a flat house price forecast means for your mortgage strategy.The Savings Crisis: The reality of Kiwi savings accounts and KiwiSaver balances.Market Data: Why $40 million wiped from asking prices actually points to a stabilizing market.

Host Paul Spain is joined by James Pinner, CEO of New Zealand Growth Capital Partners (NZGCP), to explore the impact of New Zealand's venture capital and startup scene. Together, they dig into the origins of NZGCP, the changing landscape for Kiwi startups, and the crucial role government funding plays in building a thriving tech ecosystem. They discuss how government-backed funds, bold startups, and a thriving venture capital landscape are driving economic growth and innovation. From unicorn success stories like Rocket Lab to the challenges of early investment and KiwiSaver's role, this episode is packed with insights for founders, investors, and tech enthusiasts alike.Thanks to our Partners One NZ, Workday, 2degrees, Spark, Fortinet and Gorilla Technology

Many investors are keeping a watchful eye on their KiwiSaver balance as conflict in the Middle East continues. Money Correspondent Susan Edmunds spoke to Ingrid Hipkiss.

Could the KiwiSaver changes really mean an extra $100,000 at retirement - and is locking that money away actually the smartest move?In this episode, Jess and Makayla break down the increase from 3% to 3.5% and then 4%, explain how that seemingly small shift could materially grow your retirement balance, and debate whether contributing more to KiwiSaver stacks up against paying down your mortgage, investing outside the scheme, or using it for your first home - plus what you should review before the changes take effect.Next steps: Book a KiwiSaver check-up with our team to make sure your fund, contributions, and wider strategy are aligned before these changes take effect. 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 president of Federated Farmers talks about farmers using KiwiSaver, the pyjama party with Labour, his political aspirations, and a challenging world trade environment.See omnystudio.com/listener for privacy information.

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.Want to learn about how I can help with your KiwiSaver re-build? Let's have a free 15-min discovery call.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 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 swapsOnline courses:Take the free, 5-part online course Crypto 101: Crypto with ConfidenceGet Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Extensive coverage from the conflict in the Middle East, including Helen Clark and Robert Patman. Plus, changes to KiwiSaver for farmers in New Zealand.

Changes to KiwiSaver rules mean young farm workers can now use their balances to buy a first home without having to live in it. Share milker Danielle Hovmand is one of those young farmers looking to capitalise on the change and spoke to Corin Dann.

KiwiSaver rules are changing for the rural sector and livestock carriers are operating full throttle with an unprecedented level of activity. The morning's rural news with Gianina Schwanecke.

KiwiSaver laws are changing so first-time farm buyers and other workers with 'live in' job residences can use their accounts to buy a first home. Political reporter Anneke Smith reports.

New Zealand works harder than ever - so why does it feel like we're falling behind?In this episode, we sit down with Chlöe Swarbrick, co-leader of the Green Party, to unpack wealth tax, inequality, productivity, housing, KiwiSaver, capital gains, and why New Zealand's economy is stuck in a loop of speculation instead of innovation.Chlöe does not endorse any products or services provided as per Parliamentary standards.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.

Farmers say new KiwiSaver rules are a win for rural staff looking to buy property. Farm workers, rural teachers, police and defence personnel can now use KiwiSaver to buy their first home, or even a farm, due to the Government lifting a long-standing restriction. Previously, these workers were blocked because their jobs required living in employer-provided housing. Federated Farmers' Dairy Chair Karl Dean told Mike Hosking that there's about 50,000 farms nationwide, most with just one or two staff living onsite. He expects 10 to 20% to take this option. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Ethical investing seems to be a hot topic when it comes to choosing an investment fund or KiwiSaver provider. I've often heard providers boast that their fund is ethical - they avoid weapons manufacturers, focus on renewable and sustainable energy - you won't feel a possible sense of guilt around where your money is going. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The Government has highlighted issues within the KiwiSaver Act that have prevented a number of Kiwis from using their accounts to buy a home. Many workers in rural areas, like farm workers, rural police and teachers, are often required to live in housing provided by their employer - which stops them from being able to withdraw their KiwiSaver for a first home as they're unable to live in it. These issues have also stopped farmers from being able to purchase their own farm as it's not covered by current legislation. Changes announced this morning would remove those barriers. LISTEN ABOVESee omnystudio.com/listener for privacy information.

FIRST WITH YESTERDAY'S NEWS (highlights from the weekend on Newstalk ZB) This Probably Means Something to Someone/Sport's All Gone Wrong/Coding for Idiots/How It All Works/He's BluffingSee omnystudio.com/listener for privacy information.

On the Early Edition with Ryan Bridge Full Show Podcast 2025, Washington Bureau Chief for the Guardian David Smith, has the latest on US/Israel strikes on Iran. The Government will allow farmers to use their KiwiSaver to buy their first home or farm, Finance Minister Nicola Willis tells Ryan about the impact this will have. Andrew Alderson has the latest on the weekend's sport. Plus UK/Europe Correspondent Gavin Grey has the latest on UK troops at a base in Bahrain are narrowly missed by a rocket fired from Iran and tens of thousands face flight disruption as airlines are continuing to cancel and divert flights serving the Middle East. 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.

A barrier stopping rural workers from using KiwiSaver is being lifted. Farm workers, rural teachers, police and defence staff have been unable to make first-home withdrawals, because they're required to live in employer housing. The Government's now allowing them to use their savings, including towards buying a farm. Finance Minister Nicola Willis told Ryan Bridge that these workers have been locked out of the KiwiSaver first-home withdrawal for too long. She says if people are working hard to get ahead, where they live shouldn't exclude them from the property ladder. LISTEN ABOVESee omnystudio.com/listener for privacy information.

On today's REX Daily Podcast, Dom talks with Federated Farmers Dairy Chair Karl Dean about the government's announcement farm staff in service tenancies (living on farm) will soon be able to use KiwiSaver to purchase a house without immediately moving in, what it means for rural workers and the current state of the dairy industry... And he talks with NZ Pork CEO Brent Kleiss about why it's urging the government to strengthen its proposed planning laws to ensure local farmers can continue to produce pork, the areas he thinks the legislation needs to do more to protect productive rural land and NZ Pork's support of the Fair for Farmers campaign, which seeks an end to allowing animal products banned from domestic production to be imported into NZ. Tune in daily for the latest and greatest REX rural content on your favourite streaming platform, visit rexonline.co.nz and follow us on Instagram, Facebook and LinkedIn for more.

Dom talks with Federated Farmers Dairy Chair Karl Dean about the government's announcement farm staff in service tenancies (living on farm) will soon be able to use KiwiSaver to purchase a house without immediately moving in, what it means for rural workers and the current state of the dairy industry. Tune in daily for the latest and greatest REX rural content on your favourite streaming platform, visit rexonline.co.nz and follow us on Instagram, Facebook and LinkedIn for more.

KiwiSaver rules are changing for the rural sector and livestock carriers are operating full throttle with an unprecedented level of activity. The morning's rural news with Gianina Schwanecke.

Farmers say new KiwiSaver rules are a win for rural staff looking to buy property. Farm workers, rural teachers, police and defence personnel can now use KiwiSaver to buy their first home, or even a farm, due to the Government lifting a long-standing restriction. Previously, these workers were blocked because their jobs required living in employer-provided housing. Federated Farmers' Dairy Chair Karl Dean told Mike Hosking that there's about 50,000 farms nationwide, most with just one or two staff living onsite. He expects 10 to 20% to take this option. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Tonight, on The Panel, Wallace Chapman is joined by panellists Heather Roy and Claire Amos. First up, it turns out that MPs can claim from Internal Affairs 20 percent of their base salary for KiwiSaver. That's well above the 3 percent contribution paid out to other employees. The PSA national secretary Fleur Fitzsimons says this is a double standard. Do MPs deserve the tax payer top up? Then, people who volunteer in emergency services are not covered by ACC for mental trauma. They can't be counted as a workplace incident because they are not employees. Wendy Wright, Chief Executive of New Zealand Land Search and Rescue says it's a longstanding issue.

A growing number of Kiwis are using KiwiSaver to fund weight loss surgery. Money correspondent Susan Edmunds spoke to Corin Dann.

They paid off $45,000 of debt in months and didn't feel restricted doing it.In this final episode of Inside a Financial Plan, we review Rachel and Dion's progress since October - breaking down their budget using PocketSmith, selling down shares to reduce their mortgage, setting up a separate rental property account, restructuring KiwiSaver into a high-growth fund, upgrading insurance, and navigating the mindset shift from “grow at all costs” to building wealth with clarity and choice.This episode is proudly sponsored by PocketSmith: Big goals mean nothing without action. ⁠PocketSmith⁠ helps you track, plan, and stay accountable. Start today with 50% off your first two months.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.

Is 3% giving Kiwis a false sense of retirement security? We unpack the growing debate around lifting KiwiSaver contribution rates and comparisons being drawn to Australia’s 12% super system. Would higher compulsory contributions better prepare us for retirement, or risk widening inequality by pushing more people to opt out? This bite explores whether we’re really ready to contribute more — and what it would take to make it fair. This bite is from our episode ‘The KiwiSaver wake-up call’. For more or to watch on YouTube—check out http://linktr.ee/sharedlunchSharesies Investment Management Limited is the issuer of the Sharesies KiwiSaver Scheme. The product disclosure statement (PDS) for the Sharesies KiwiSaver Scheme has been lodged, and may be viewed on the Disclose Register or on our documents page. 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.

KiwiSaver holds $145 billion so why are so many Kiwis still heading for a broken retirement?In this episode, we're joined by Dean Anderson, Founder and CEO of Kernel, to unpack what's holding KiwiSaver back - from weak incentives and disengaged members to election-year policy risks, default fund underperformance, gaps for the self-employed, and why short-term political decisions could cost New Zealand decades of future wealth.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.

Personal finance whizz Mary Holm shares what KiwiSaver funds are worth investing in.Go to this episode on rnz.co.nz for more details

Personal finance whizz Mary Holm joins Jesse to share some tricks and tips on picking your Kiwisaver fund.

Personal finance whizz Mary Holm joins Jesse to share some tricks and tips on picking your Kiwisaver fund.

Was the 3% contribution rate always wrong? We sit down with Greg Smith from Generate KiwiSaver and Matt Macpherson from Sharesies to discuss the state of retirement. KiwiSaver membership is growing for both Generate and Sharesies, but Greg and Matt say that there’s a lot of work to do at the national level. So why did the latest budget halve government incentives, and what’s happening with the higher contribution rates? Why are so many of us opting out of KiwiSaver altogether, while Australia sits on a $4.5 trillion retirement pool? Hear how more New Zealanders are actively switching their providers, and whether it’s time to close the "total remuneration" loophole. Plus, hear why a weakening US dollar might be making your balance look red even when the market seems to be up. For more or to watch on YouTube—check out http://linktr.ee/sharedlunchSharesies Investment Management Limited is the issuer of the Sharesies KiwiSaver Scheme. The product disclosure statement (PDS) for the Sharesies KiwiSaver Scheme has been lodged, and may be viewed on the Disclose Register or on our documents page. 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.

KiwiSaver is a newsmaker. It's making news of late because of the so-called "hardship withdrawals". Bad news is an easy headline. What is covered less is the bulk of the KiwiSaver story i.e. lots of people are in it, the returns are growing and, for most people, it is a half decent way to save on a long-term basis. But also in the latest quarterly statements (this is for the December quarter) is a fun fact that those who like to fixate on competition could do with looking at. KiwiSaver and those who run the various funds is not a lot different to banking, or supermarkets, or airlines, or telcos, or power companies. In other words, if you want to, you can ask some questions around competition. Like the last Government, this Government has been fixated with competition, or lack of it. They have investigated it, jawboned it, threatened it, and sometimes introduced rules and laws to change it. Yet punters choice rarely gets given the weighting it should. In KiwiSaver there are about 25 providers and yet five have the bulk of our money. Why? Is there a lack of competition? Clearly not. In fact, three of the top five are the banks. Oh, the irony! We hate the banks, the banks rip us off, the banks are to be treated with the utmost suspicion, if only we had more competition with banks. In KiwiSaver we do and yet we can't flock to the banks fast enough with our life savings. The lesson I think, if any of us want to learn it, around power companies and banks and insurance is basically we are lazy. Moaning is easier than doing something about our problem. The laziness is never better exemplified in KiwiSaver than with the ridiculous number of default accounts i.e. people who can't even be bothered picking a fund. There are 25 providers and five of them have 65% of the business, which is $90 billion of the $145 billion under stewardship. Are we exercised? Are we worried? Do we even realise? Don't look now, but they actually do a good job as well. $5 billion was added in the past quarter. Unless you're in Bitcoin, and more fool you, over the past decade if you were in the right fund you've been getting about 9% a year, every year, for 10 years. That almost sounds like a model that works. It could be the competition. See omnystudio.com/listener for privacy information.

THE BEST BITS IN A SILLIER PACKAGE (from Tuesday's Mike Hosking Breakfast) Not the Worst Idea/The Fallout Keeps Falling Out/I Thought We Weren't Doing Polls Anymore/What Happens at the Northern Club.../Speaking of Dodgy Pics...See omnystudio.com/listener for privacy information.

In this episode of Lead On Purpose, I sit down with Robbie Paul from Icehouse Ventures to demystify venture capital and what it really takes to back world class founders. We unpack risk and reward, bootstrapping versus raising capital, the traits behind standout leadership, and why trust and honesty are non negotiable in a long game industry.What we cover:What venture capital actually is, and why it has a different risk and return profile to KiwiSaver and index fundsBootstrapping versus taking capital, and how external funding can level up ambition, clarity, and accountabilityBehind the scenes stories from Kiwi success plays like Crimson and Power by Proxy, and what makes a founder worth backingThe reality of failure in venture, why safe bets rarely create outsized outcomes, and what successful founders do differentlyHow to pitch and build relationships the right way, plus why honesty beats hype when trust is the real currencyIf you want a clearer understanding of how great companies are built, why people matter more than ideas, and what long term leadership really looks like, this conversation will stretch your thinking.You can learn more about IceHouse Ventures here - https://www.icehouseventures.co.nz/investorsConnect with Robbie on LinkedIn here - https://www.linkedin.com/in/robertjpaul/?originalSubdomain=nzIf you're interested in having me deliver a keynote or workshop for your team contact Caroline at caroline@jjlaughlin.comWebsite: https://www.jjlaughlin.com YouTube: https://www.youtube.com/channel/UC6GETJbxpgulYcYc6QAKLHA Facebook: https://www.facebook.com/JamesLaughlinOfficial Instagram: https://www.instagram.com/jameslaughlinofficial/ Apple Podcast: https://podcasts.apple.com/nz/podcast/life-on-purpose-with-james-laughlin/id1547874035 Spotify: https://open.spotify.com/show/3WBElxcvhCHtJWBac3nOlF?si=hotcGzHVRACeAx4GvybVOQ LinkedIn: https://www.linkedin.com/in/jameslaughlincoaching/James Laughlin is a High Performance Leadership Coach, Former 7-Time World Champion, Host of the Lead On Purpose Podcast and an Executive Coach to high performers and leaders. James is based in Christchurch, New Zealand.Send me a personal text messageJoin me at the 2026 Goal-setting Workshop here - jjlaughlin.com/2026goals - If you're interested in booking me for a keynote or workshop, contact Caroline at caroline@jjlaughlin.comSupport the show

In this episode of Lead On Purpose, I sit down with Sam Stubbs, founder of Simplicity, to unpack why simplicity is the ultimate performance advantage. In life. In leadership. And especially with money. We talk about dignity, choices, long game thinking, and how KiwiSaver could help build a fairer future for everyday Kiwis.What we cover:Why Sam founded Simplicity and the idea of being a “dignity company” that gives people more choicesThe hedonistic treadmill, why more money stops adding happiness, and why giving feels better than gettingWhy money is simpler than the finance world makes it look, and the two hour fundamentals anyone can learnThe hidden power of fees, compounding, and why long term investing beats chasing short term performanceHow KiwiSaver could fund New Zealand's future, from infrastructure to housing, and what it means for the next 30 yearsIf you want a clearer way to think about money, purpose, and the long game, this conversation will make you feel calmer. And more in control.Grab a copy of Money Made Simple here - https://simplicity.kiwi/money-made-simple-bookYou can view Sorted website here - https://sorted.org.nzYou can view MoneyHub website here - https://www.moneyhub.co.nzCheck out Simplicity here - https://simplicity.kiwiIf you're interested in having me deliver a keynote or workshop for your team contact Caroline at caroline@jjlaughlin.comWebsite: https://www.jjlaughlin.com YouTube: https://www.youtube.com/channel/UC6GETJbxpgulYcYc6QAKLHA Facebook: https://www.facebook.com/JamesLaughlinOfficial Instagram: https://www.instagram.com/jameslaughlinofficial/ Apple Podcast: https://podcasts.apple.com/nz/podcast/life-on-purpose-with-james-laughlin/id1547874035 Spotify: https://open.spotify.com/show/3WBElxcvhCHtJWBac3nOlF?si=hotcGzHVRACeAx4GvybVOQ LinkedIn: https://www.linkedin.com/in/jameslaughlincoaching/James Laughlin is a High Performance Leadership Coach, Former 7-Time World Champion, Host of the Lead On Purpose Podcast and an Executive Coach to high performers and leaders. James is based in Christchurch, New Zealand.Send me a personal text messageJoin me at the 2026 Goal-setting Workshop here - jjlaughlin.com/2026goals - If you're interested in booking me for a keynote or workshop, contact Caroline at caroline@jjlaughlin.comSupport the show

In this episode of Lead On Purpose, I sit down with Mary Holm, author of Rich Enough, to unpack how everyday Kiwis can build wealth simply, avoid common money traps, and focus on what actually leads to a rich life.What we cover:Why “rich enough” beats chasing more, and what money can and cannot do for happinessThe two KiwiSaver choices that matter most: risk level first, low fees secondWhy low fee index investing and patience usually outperform chasing returnsHow to balance KiwiSaver with investing outside it to get bonuses without locking all your money awayRenting vs owning, property myths, and the most common financial mistakes Kiwis makeIf you want a calmer, clearer approach to money that supports both your future and your life right now, this conversation will give you a simple framework to work from.Grab a copy of ‘Rich Enough' here - https://www.paperplus.co.nz/shop/books/non-fiction/business-finance-law/finance-economics/rich-enoughHave a look at Sorted Smart Investor tool - https://smartinvestor.sorted.org.nzIf you're interested in having me deliver a keynote or workshop for your team contact Caroline at caroline@jjlaughlin.comWebsite: https://www.jjlaughlin.com YouTube: https://www.youtube.com/channel/UC6GETJbxpgulYcYc6QAKLHA Facebook: https://www.facebook.com/JamesLaughlinOfficial Instagram: https://www.instagram.com/jameslaughlinofficial/ Apple Podcast: https://podcasts.apple.com/nz/podcast/life-on-purpose-with-james-laughlin/id1547874035 Spotify: https://open.spotify.com/show/3WBElxcvhCHtJWBac3nOlF?si=hotcGzHVRACeAx4GvybVOQ LinkedIn: https://www.linkedin.com/in/jameslaughlincoaching/James Laughlin is a High Performance Leadership Coach, Former 7-Time World Champion, Host of the Lead On Purpose Podcast and an Executive Coach to high performers and leaders. James is based in Christchurch, New Zealand.Send me a personal text messageJoin me at the 2026 Goal-setting Workshop here - jjlaughlin.com/2026goals - If you're interested in booking me for a keynote or workshop, contact Caroline at caroline@jjlaughlin.comSupport the show