POPULARITY
Categories
Host Nigel Grant (Head of Wealth Product, ASB) is joined by Frank Jasper (Investment Strategist, ASB) to break down the basics of financial markets and how they connect to your KiwiSaver account or Investment Fund. They explore how markets work, what drives their movements, and how ASB applies a long-term strategy to manage risk and build robust portfolios.
In this episode: Market Insights | Dwindling sheep numbers worrying exporters1:36 – AgriHQ analyst Alex Coddington reveals some worrying data about our sheep population. Numbers are down and processors are struggling to find stock to export.Feature | Checking out the herd at Fieldays7:15 – Fieldays is underway at Mystery Creek and senior reporter Richard Rennie is there taking in the sights and sounds. In our feature interview he talks with herd-i chief executive Liz Muller about whether farmers are spending this year and how the company is tracking.Feds Focus | Petition to use KiwiSaver for property investment17:41 – Federated Farmers dairy chair Richard McIntyre chats about the petition they've launched to try and get the government to make good on its promise to allow farmers to use their KiwiSaver to invest in property. Right now they're not allowed if they don't live in the house they buy.The Final Word22:10 – The Ahuwhenua Trophy was another fantastic celebration of Māori farming. But are we doing enough in the food and fibre sector to support this primary powerhouse? And, isn't it time we adopted the mindset these great farmers have to improve the lot of every farmer?
Inland revenue figures show a record number of hardship withdrawals from KiwiSaver is the past year. Between July 2024 and April 2025, more than $389 million's been taken out of KiwiSaver for financial hardship reasons. That's up from $300m on the year before. People can access KiwiSaver retirement funds in significant financial hardship, including for example to pay for food, power or palliative care. However, a fund manager told Checkpoint there is a multitude of social media videos full of workarounds to help people qualify for a hardship withdrawals and effectively game the system. General Manager for KiwiSaver Fisher Funds, David Boyle spoke to Lisa Owen.
Federated Farmers dairy chair Richard McIntyre chats about the petition they've launched to try and get the government to make good on its promise to allow farmers to use their KiwiSaver to invest in property. Right now they're not allowed if they don't live in the house they buy.
It's Fieldays this week - and it coincides with a poll finding just 3 per cent of farmers support Labour, while 54 per cent back National. Why is National seemingly the party of farmers? Also, should farmers be able to use their Kiwisaver to purchase their first farm or herd? To answer those questions, Labour's police spokesperson Ginny Andersen and National's Mike Butterick, live from Fieldays, joined Nick Mills for Politics Thursday. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Any changes to KiwiSaver that could allow budding farmers to buy a herd of cows or flock of sheep would be a slippery slope according to one retirement fund provider. People who have been in KiwiSaver for three years can withdraw almost all the money to buy a first home, but they have to live in it. But Federated Farmers is applying pressure on the government to deliver on National's pre-election promise to unlock KiwiSaver so it can be used to buy stock, and first homes that wont be owner occupied. Agriculture Minister, Todd McCLay told Checkpoint he hopes to deliver on the promise. But not everyone thinks its a good idea. Founder of Koura KiwiSaver, Rupert Carlyon spoke to Lisa Owen.
There are fears Finance Minister Nicola Willis is opening a can of worms by potentially allowing young farmers to dip into their KiwiSavers to buy farms. She explained she was seeking advice from the IRD on the matter, which is yet to be considered by Cabinet. NZ Herald Wellington business editor Jenee Tibshraeny weighed in on the debate. LISTEN ABOVESee omnystudio.com/listener for privacy information.
In this episode of Economy Made Simple, Shamubeel Eaqub breaks down one of the most pressing challenges facing Aotearoa today - our ongoing housing crisis. Why are homes so unaffordable? How did we end up here? And what do we need to do to make things better? From historical policy shifts to the present day shortage, this episode offers a comprehensive look at the system's failure... and how we might fix it. This episode covers:Why house prices have risen from 3x to 8x the average household incomeThe long-term supply issues stemming from the reforms of the 1980sThe rise of Generation Rent, and the growing unaffordability of home ownershipHow poor-quality, insecure housing is impacting health and wellbeingWhat needs to change - from better zoning and infrastructure to more social and affordable housing stockThe role organisations like Simplicity and other KiwiSaver providers can play in housing solutionsShamubeel explains in simple terms how housing went from a basic right to a national crisis, and the growing inequality between those who own and those who rent. And while we can't fix this overnight, progress is possible - let him tell you how and why. ---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.
Things are looking up for young KiwiSaver investors, thanks to changes in the government's recent budget. Milford Senior KiwiSaver Financial Adviser, Liam Robertson, talks to Bree and Clint from ZM about the changes ahead for 15-17-year-olds.
The heat is on the agriculture minister to deliver this term on a pre-election promise to unlock KiwiSaver so it can be used to buy a first farm, and not just a house. At the moment if you have been contributing to KiwiSaver for three years you can withdraw almost all the money to buy a first home to live in, although there a few exceptions. Federated Farmers has launched a petition urging the government to losen the rules for accessing the retirement scheme saying it will turbo charge the next generation of farmers and deliver on a committment that Todd Mclay made during a meeting in Morrinsville. Agriculture Minister Todd McClay spoke to Lisa Owen.
There have been calls for the government to unlock KiwiSaver so the funds can be used to buy a first farm, not just a house. At the moment if you have been contributing to KiwiSaver for three years you can withdraw almost all the money to buy a first home to live in. Now, Federated Farmers has launched a petition urging the government to losen the rules for accessing the retirement scheme and have said it will turbo charge the next generation of famers. Federated Farmers Dairy chair, Richard McIntyre spoke to Lisa Owen.
Federated Farmers has launched a petition calling for KiwiSaver rules to be changed to help young farmers get their foot on the ladder. The petition's launch has been timed to coincide with Fieldays, where thousands of farmers, industry leaders and politicians will gather at Mystery Creek. Federated Farmers' banking spokesperson Richard McIntyre says farming is very capital intensive and young farmers need a boost in the name of fairness. "Kiwi farmers are really struggling to put that money aside and a lot of them are actually deciding not to put money into KiwiSaver and basically scrimp and save because they know they need all the money they can get to actually get their foot in the door." LISTEN ABOVESee omnystudio.com/listener for privacy information.
Tim Beveridge is joined by Koura Wealth founder, Rupert Carlyon, to discuss the inner workings of a KiwiSaver fund and how to best use KiwiSaver. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Time is running out for KiwiSaver members to get an extra $521 in their accounts from the Government. From next year it will only be contributing about $260 or, in some cases, nothing at all. People will need to get in quick if they are to cash in on the final $500 payout. Money correspondent Susan Edmunds spoke to Lisa Owen about how to get this bit of "free money."
KiwiSaver providers are hoping public support for increased contribution rates could provide the incentive to push them higher still. Money correspondent Susan Edmunds spoke to Corin Dann.
This episode revisits my August 2022 conversation with Neil in Episode 69, A Financially Complicated Breakup. Now 52, Neil has lived in New Zealand for 20 years, working in IT since moving from the UK in 2005. He retained his UK property as a rental and began learning about personal finance around 2006. When KiwiSaver started in 2007, he joined up, and by our first chat, his KiwiSaver had grown to $200,000. After a previous long-term relationship ended with a fair asset split, Neil began to invest more and more in a range of ETF funds. A new relationship followed, and he became a father, but without a relationship property agreement in place, the eventual breakup led to a bitter legal dispute over money. Hearing his story offered a valuable male perspective on something I more often hear from women: lengthy, painful separations marked by financial and emotional strain. Often, there's already a financial imbalance, which becomes even more difficult when children are involved and time off work affects a woman's earning power. While I'm mindful this is only Neil's side of the story, I'm pleased to share that this challenging chapter ultimately ended well, and I hope the details provide insight and hope to others navigating similar situations.
Host Nigel Grant (Head of Wealth Product, ASB) is joined by Senior Economist Chris Tennent-Brown (ASB) to unpack two major events shaping New Zealand's economic landscape — the Reserve Bank's latest OCR decision and the Government's 2025 Budget. They explore how these announcements could impact interest rates, markets and mortgage rates — and what the KiwiSaver changes could mean for how investors plan, contribute and stay on track.
Big Truss Mahi Tuesday! What a week it was last week... Foot Locker Friday, Zac Lomax, Shifters outing their partners flaws... Like what other podcast has THAT much variety?... Just quickly Shifters, we missed it BUT on Friday it was out 500th Show... Exxxcuse you what, 500 episodes!? Let us know what your favourite moment has been so far! Sharesies 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 at sharesies.co.nz As part of the budget announcements, the Government has indicated that the default rate for employee contributions will move to 4% by 2028 and employers will be required to match that. The boys discuss their thoughts on this and KiwiSaver Generally. (Note the current minimum employee contribution rate for KiwiSaver is 3% and you can contribute 3,4,6,8 or 10%. Employers are currently only required to contribute 3%.) Hit that link below to stay caught up with anything and everything TMS. www.facebook.com/groups/3394787437503676/ Shop our TMS Merch here fam! https://youknowclothing.com/search?q=tms Thank you to the team at Chemist Warehouse for helping us keep the lights on, here at The Morning Shift... www.chemistwarehouse.co.nz/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Send Us A Message! Let us know what you think.In this episode of the Property Apprentice Podcast, host Debbie Roberts, financial adviser and owner of Property Apprentice, breaks down the latest KiwiSaver changes announced in the government's May 22nd, 2025 Budget. Whether listeners are saving for their first home, planning for retirement, or simply trying to make sense of the updates, this episode delivers clear and practical insights.Here's what's covered:16- and 17-year-olds will now receive employer and government contributions to their KiwiSaver accountsThe default employee and employer contribution rate will increase from 3% to 3.5% in 2026, and to 4% by 2028The annual government KiwiSaver top-up will be halved from $521 to $260.72 as of July 1, 2025Individuals earning over $180,000 will no longer receive any government contributionsWhat these changes mean for savers and how they could affect long-term balancesWhy this is a great time to help teens start contributing to KiwiSaverTips on how to make the most of what's still availableDebbie encourages listeners to check out the updated KiwiSaver Calculator at www.sorted.org.nz to assess how the changes might impact their savings goals.Whether it's good news for young savers or a wake-up call for high earners, Debbie offers a balanced take on what the new rules mean for Kiwis — and how to adapt.
In this episode, we discuss the government's latest KiwiSaver changes … and how they could leave some Kiwis up to $96,000 better off by retirement.You'll learn:Why your KiwiSaver contribution will soon increaseHow much more your employer will need to pitch inWhy these changes benefit long-term investors (but won't help first-home buyers right now) Want a strategy that builds long-term wealth? Check out this guide on how to invest for retirement and make sure your KiwiSaver is pulling its weight.Don't forget to create your free Opes+ account here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
A week after the government announced it would halve its annual contribution to the KiwiSaver of taxpayers, it's been revealed MPs may be receiving up to 20 percent contributions to their superannuation schemes. Taxpayers' Union executive director Jordan WIlliams spoke to Corin Dann.
The Government is tipping $200 million into getting a stake in an offshore gas field. Dan also discusses changes to KiwiSaver and the Government's investment boost scheme. And, the Reserve Bank meets tomorrow to decide on interest rates: a cut is expected, but what will follow is uncertain.
Tonight on The Panel, Wallace Chapman is joined by panellists Deborah Hart and Jeremy Elwood. They discuss why KiwiSaver balances are still low after 17 years of operation and chat to a former school teacher undertaking an enormous physical test to support kids getting involved in sport.
Infometrics' Principal Economist says the Government's not entirely ignoring the lack of budget funding allocated for lifting KiwiSaver employer contributions. The Greens say the Government hasn't accounted for the cost to public services, which could cost more than $700 hundred million. Finance Minister Nicola Willis says that's being worked on - and will be in next year's Budget. Brad Olsen says the hole wasn't costed, but hasn't been forgotten. "There is a cost - it will have to be met, but it's not being directly disclosed in the Budget figures." LISTEN ABOVESee omnystudio.com/listener for privacy information.
The Green Party has accused the Government of having a three-quarter-billion dollar hole in the Budget. As part of the 2025 Budget, released last week, the Government announced that the default KiwiSaver contribution for employees and employers would lift to 4 percent. But the Greens say the Government had not accounted for that increase for its own employees in its books, and over the Budget forecast period it could add up to $714 million in costs. Newstalk ZB political editor Jason Walls says Nicola Willis has since shrugged off the accusations. LISTEN ABOVESee omnystudio.com/listener for privacy information.
In Budget 2025, private schools will receive subsidies increasing the annual spend by $4.6 million a year, to $46.2 million. As well as this, the annual spend on charter schools will double to $57 million. ACT Party Leader, David Seymour, says that independent schools are an important part of New Zealand's education landscape that offers diversity of choice for parents. For our weekly catchup, News and Editorial Director and Monday Wire Host, Joel, spoke to the ACT Party's Simon Court about the additional support independent schools will receive, and how this will benefit the average taxpayer. They also discussed changes to Jobseeker and emergency benefits for 18-to-19 year olds, as those receiving this benefit will now have their benefit tested against their parents income. The move, which is set to come into effect in 2027, is estimated to impact almost 9000 young people. They also discussed changes to Kiwisaver, where the government will halve subsidies and increase employer contributions to a minimum of 4% from 3%. But first, they discussed the additional support for independent schools.
The Green Party is claiming the Government's budget has an uncosted hole of up to $714 million, coming from increased KiwiSaver contributions for public sector workers. Green Party co-leader Chlöe Swarbrick spoke to Ingrid Hipkiss.
In today's episode, Finance Minister Nicola Willis has defended the government's budget decisions including changes to Kiwisaver, saying most workers will end up with larger retirement savings, new sanctions marking the next phase of the government's Traffic Light welfare system, mean beneficiaries who fail to meet their obligations can have half their benefits restricted to being spent on essentials-only for a month, President Donald Trump said he wants the "names and countries" of every international student enrolled at Harvard University, and Auckland FC's dream first season is over after they were knocked out in the A-League semi-finals by Melbourne Victory.
Finance Minister Nicola Willis has defended the government's budget decisions including changes to Kiwisaver, saying most workers will end up with larger retirement savings. Willis spoke to Corin Dann.
KiwiSaver. I was thinking about this at the weekend. I get why the government is doing the old switcharoo. I get it. Means test the government sweet we, halve it for everyone else… save some money. Then we workers… and our employers… will slowly put more into the scheme… So that when it all comes out in the wash, we're at least no worse off than before budget day. Except that we will be worse off, because it's us and our employers paying for it. We pay more up front. Our employers pay more up front. That's added cost. Businesses recover cost by putting up prices, which we end up paying, or by lowering costs, like wages… which is how most of us make a living, right? So, the net effect is worse for us and better for the government. Now again, I get why they need to slash spending but the irony with tinkering with KiwiSaver is this. For your average kiwi working hard and saving and planning for retirement… that's what we're told to do…. These changes throw all your calculations out of whack. You plan on a long-term, predictable set of circumstances. When they're changed without warning and at random, it punishes people who are trying to do the right thing. We need more of a heads up on changes to KiwiSaver… and more importantly… NZ Super. It's not a matter of if but when that also gets means-tested. Even if the when is post-Winston. Nicola Willis says she's been giving this some thought. The future of superannuation. I'd like to know, and other hard-working Kiwi-savers I'm sure would also like to know, sooner rather than later, what those thoughts are. See omnystudio.com/listener for privacy information.
The Government is increasing the default KiwiSaver contributions for employees and employers, while halving their own contributions. Employee and employer contributions will raise from 3% to 3.5%, while the Government's contributions will drop from $521.43 to $260.72. But should the Government be halving their input? LISTEN ABOVESee omnystudio.com/listener for privacy information.
'Don't just invest in stats and numbers, invest in us.' That's the message from a group of teenagers grappling with some of the decisions made by the government in this year's budget. They came together on Friday along with child advocates, researchers and other rangatahi to unpack the budget, with Kiwisaver, pay equity, employment and climate change all top of the discussion. Louise Ternouth reports.
In the year of growth, Nicola Willis has presented a growth budget. But does the Investment Boost initiative, which speeds up depreciation for businesses, promise the kind of growth that the economy needs? In this special Spinoff pod for budget day, Toby Manhire asks Bernard Hickey for his take on the headline changes, and whether or not David Seymour's earlier commentary that his colleague Brooke van Velden had “saved the budget” through its controversial and hurried changes to the pay equiry scheme, has been proven true. Plus: what are the cumulative impacts of the changes to KiwiSaver and Best Start, as compared to the SuperGold cohort? And how much did the global political and economic volatility influence the documents published today? Learn more about your ad choices. Visit megaphone.fm/adchoices
Nearly 13 billion dollars has been clawed back from pay equity changes over four years, the Government contribution to KiwiSaver has been halved, tweaks to BestStart payments have been made and a tax break for businesses. Finance minister Nicola Willis delivered what she calls a "responsible" budget - but Labour leader Chris Hipkins says its an austerity budget 'that's left women out'. Political reporter Lillian Hanly reports.
The amount the government adds to Kiwisaver accounts is being halved to a maximum of 260 dollars a year. People earning more than $180,000 a year will receive no government contribution at all from July. Reporters Louise Ternouth and Bella Craig hit the streets in Auckland to find how what people and business owners make of the changes.
The government is halving its contribution to Kiwisaver shifting the financial load onto business. The change will be phased. At the moment people over 18 can get up to $521 in government contributions if they contribute $1040 dollars per year themselves. That will drop to just over $260 of government contributions. People earning over a $180,000 a year will get nothing. Tax expert Terry Baucher spoke to Lisa Owen.
In its budget the coalition's clawed back money from three main areas - Pay equity, Kiwisaver and Best Start payments. The bulk of the 5.3 billion dollars saved - in fact about half of it - has come from the pay equity overhaul. 2.7 billion dollars a year, re-distributed to other priorities. Deputy Political reporter Craig McCulloch spoke to Lisa Owen.
In the year of growth, Nicola Willis has presented a growth budget. But does the Investment Boost initiative, which speeds up depreciation for businesses, promise the kind of growth that the economy needs? In this special Spinoff pod for budget day, Toby Manhire asks Bernard Hickey for his take on the headline changes, and whether or not David Seymour's earlier commentary that his colleague Brooke van Velden had “saved the budget” through its controversial and hurried changes to the pay equiry scheme, has been proven true. Plus: what are the cumulative impacts of the changes to KiwiSaver and Best Start, as compared to the SuperGold cohort? And how much did the global political and economic volatility influence the documents published today? Learn more about your ad choices. Visit megaphone.fm/adchoices
Mary Holm talks to Jesse about the Government's changes to KiwiSaver in today's Budget.Go to this episode on rnz.co.nz for more details
KiwiSaver changes announced in the Budget have captured a lot of attention. But will they leave us better off, worse off, or much the same? Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.
In today's episode, the Finance Minister, Nicola Willis, has described the Budget as responsible, and what governments do to avoid austerity, Labour's Finance spokesperson says the government's changes to KiwiSaver will take money away from New Zealand's poorest workers, as part of the 2025 budget, the government will halve its yearly contributions, while minimum contributions for employers will lift to four percent in 2028, BusinessNZ is welcoming the new budget, saying it's credible and growth-oriented, and we cross the Tasman to get the latest from Kerry-Anne Walsh.
Labour's Finance spokesperson says the government's changes to KiwiSaver will take money away from New Zealand's poorest workers. Labour Party's Finance Spokesperson Barbara Edmonds spoke to Corin Dann.
The Retirement Commissioner says the changes in the new budget are great news for most KiwiSaver members. Retirement Commissioner Jane Wrightson spoke to Corin Dann.
As part of the 2025 budget, the government will halve its yearly contributions, while minimum contributions for employers will lift to four percent in 2028. Simplicity Chief Economist Shamubeel Eaqub spoke to Ingrid Hipkiss.
Mary Holm talks to Jesse about the Government's changes to KiwiSaver in today's Budget.
Did the government get it right? We dive into the biggest shake-ups to KiwiSaver since the scheme began—Finance Minister Nicola Willis' new 2025 Budget includes cuts to government contributions, new eligibility for teens, rising minimums, and a fresh set of trade-offs for your future retirement balance.Next Steps: If these KiwiSaver changes have you wondering whether your fund, provider, or contribution level is right for you - Lighthouse Financial can help. 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.
It's likely, and indeed forecasted, that if this Government is re-elected next year it will end its second term in 2029 having never run a surplus. Now, that either means they spent too much, or they inherited a gargantuan mess. The latter we know to be a fact. But the former is a bit debatable. Depending on how you measure things, the forecast surplus in 2029 is so thin it might be less than nothing, and that's the optimistic way of measuring things, which the Government now favours. I wonder why? The traditional way of measuring things still has a $3 billion hole by 2029. The pay equity money turns out to be about $2.5 billion a year, which shows you how hopelessly loose pay equity became. Primary teaching is not a pay equity issue, the same way nursing isn't. It's a union pay grab. The opposition will still try and convince you otherwise, but they're wrong. What we do know is the Government found $5 billion a year from savings and equity, which is a lot of money, but money that still allegedly needs spending, hence the ongoing deficits. The dept-to-GDP keeps going up. It's too high. But under my way of doing things, the little there was handed out, or redistributed, yesterday wouldn't have even been there. But I suspect the politics of an approach that austere was too much to stomach. But here is their issue; a conservative Government can only run things in the red for so long before the public quite rightly asks whether they actually know what they're doing. Getting rid of KiwiSaver freebies for the so-called wealthy is a good move. Getting rid of Best Start freebies for wealthy families is also a good move. Means testing wealthy families on jobless teenagers is common sense. It's already done on student allowance. Depreciation for business assets is a good move. It encourages people to spend and take a punt - more of that please. In the end it was a simple document because the Government has limited room to move and Governments should not be the home of all good ideas, bum wiping and problem solving. They should set the mood and clear the run way. It's a classic centre-right Budget written in tough times. What they need politically is people to understand just how tough it is and to give them leeway and some patience to ride this out. As for those who dug us this hole in the first place - the less we hear from them the better.See omnystudio.com/listener for privacy information.
On the Mike Hosking Breakfast Full Show Podcast for Friday the 23rd of May, it's all things Budget on the show this morning - KiwiSaver changes, how the Government is making the "savings" gas exploration and Nicola Willis to explain it all. A home playoff game for Auckland FC this weekend as they look to make their way into the final. Kate Hawkesby and Tim Wilson talk Smith & Caugheys and how much you should pay for a dog! Get the Mike Hosking Breakfast Full Show Podcast every weekday morning on iHeartRadio, or wherever you get your podcasts.See omnystudio.com/listener for privacy information.
The government's about to drop major changes to KiwiSaver - here's what you need to know before it hits. We break down what the National-led government is likely to announce, the impact on your retirement savings, and the big fixes we think are long overdue - including mandatory contributions and better support for the self-employed.Next Steps: Not sure if your KiwiSaver's set up right? Book a free chat with a Lighthouse Financial advisor and get a clear, tailored strategy for your future here.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 KiwiSaver better off with policy stability or is it overdue for comprehensive reform? Matt MacPherson from Sharesies & Chris Di Leva of Harbour Asset Management debate whether potential cuts to government contributions would impact participation rates. Plus - how many investors would support higher KiwiSaver contributions in a cost of living crisis? This clip is taken from our previous episode "Investing in US markets via KiwiSaver". For more or to watch on YouTube—check out http://linktr.ee/sharedlunch If there are any companies, sectors, or topics you'd like to see on Shared Lunch, flick us an email at sharedlunch@sharesies.co.nz to let us know.Investing involves risk. This episode is brought to you by Sharesies Limited (NZ) in New Zealand.Information provided is general advice only and current at the time and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the product disclosure documents available from the product issuer before making a financial decision.Sharesies Investment Management Limited is the issuer of the Sharesies KiwiSaver Scheme. For the Product Disclosure Statement and to find out more about the Sharesies KiwiSaver Scheme go to http://sharesies.nz/kiwisaver Our disclosure documents, including a Target Market Determination for Sharesies, can be found on our website at https://sharesies.com.au/disclosures. If you require financial advice, you should seek advice from a qualified financial advisor. The views expressed by individuals are their own and Sharesies does not endorse any of the guests or the views they hold.See omnystudio.com/listener for privacy information.