NZ Everyday Investor

It’s a dwelling, but it’s an asset class too - People buy property to live in it, and to grow their wealth in it. Since the early 1970’s, property values have doubled roughly every 7-10 years in many Western countries, including here in NZ. But sitting here in 2025, after watching at least 3 years of falling prices, it’s natural to wonder if the party’s over. Maybe whatever caused prices to rise for over 50 years really is starting to reverse. Before you do something foolish like sell it all and plough it all into something silly like Bitcoin, consider your own situation, and a range of perspectives first.Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Thank You 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.Sharesies: For local, and international markets.Easy Crypto: To buy and sell digital assets.Sharesight: For tracking and reporting on your portfolioExodus: Get rewards on your first $2,500 of swapsRevolut: For a new type of banking.Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.www.ungaro.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!

New Zealand was one of the first economies where the central bank hiked interest rates. Being first, I wonder if that means other countries watch us to see how sensitive economies are to monetary policy? Read moreSpecial thank you to Mary Jo Vergara - senior economist at Kiwibank.Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Thank You 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.Sharesies: For local, and international markets.Easy Crypto: To buy and sell digital assets.Sharesight: For tracking and reporting on your portfolioExodus: Get rewards on your first $2,500 of swapsRevolut: For a new type of banking.Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.www.ungaro.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!

the art of investing is balancing growth and protection, for both you and your kids. Read more.Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Thank You 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.Sharesies: For local, and international markets.Easy Crypto: To buy and sell digital assets.Sharesight: For tracking and reporting on your portfolioExodus: Get rewards on your first $2,500 of swapsRevolut: For a new type of banking.Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.www.ungaro.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!

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Thank You 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.Sharesies: For local, and international markets.Easy Crypto: To buy and sell digital assets.Sharesight: For tracking and reporting on your portfolioExodus: Get rewards on your first $2,500 of swapsRevolut: For a new type of banking.Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.www.ungaro.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!

I believe the core ingredient in any wealth building strategy is the acquisition of just a few assets. As we acquire assets, we need to start thinking more, not less, about all the things that rob us, and no, not just fees. Read more.Catch the full Michael Saylor talk hereBook in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Thank You 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.Sharesies: For local, and international markets.Easy Crypto: To buy and sell digital assets.Sharesight: For tracking and reporting on your portfolioExodus: Get rewards on your first $2,500 of swapsRevolut: For a new type of banking.Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.www.ungaro.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!

Recently, I attended a conference which centered on what I suspect will be the future of money in a more digital world. One of the best presentations I sat through was from author (of a book called 'Broken Money') and macro-analyst Lyn Alden - 'Nothing stops this train'. The current form of money we use (fiat currency) is tethered to a leveraged system with no easy way to deleverage. Ironically, the strategy we can use as households to build wealth (leverage to buy scarcity) is what may help our governments survive the train wreck coming. Read more.Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Thank You 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.Sharesies: For local, and international markets.Easy Crypto: To buy and sell digital assets.Sharesight: For tracking and reporting on your portfolioExodus: Get rewards on your first $2,500 of swapsRevolut: For a new type of banking.Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.www.ungaro.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!

Mike Grimshaw, Associate Professor of Sociology at the University of Canterbury, discusses New Zealand's identity and sociopolitical landscape. He delves into the nation’s decline since the 1950s and the urgent need to reimagine a more cohesive welfare state. Grimshaw highlights the impact of neoliberal policies on society and calls for open dialogue to restore trust among citizens. He also emphasizes the importance of education and innovative thinking in navigating future challenges and fostering connection in communities.

In a perfect world, housing would be for lifestyle, and investments for long term planning - regardless, we live in an imperfect world. The real question becomes - what's your response to it? Jump in for number go up? If so, now's looking really, really good. *Just keep a lazy eye some of the bigger changes a foot. Read more here.Check out the work of Ashley Church here.Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Special Thank You to show partner, 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.Sharesies: For local, and international markets.Easy Crypto: To buy and sell digital assets.Sharesight: For tracking and reporting on your portfolioExodus: Get rewards on your first $2,500 of swapsRevolut: For a new type of banking.*Some links create a financial benefit.Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.www.ungaro.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!

From neoliberal globalization to neo-mercantilism – This is happening, and it might not be a simple transition. Why? Because the digital transformation of money is occurring at the exact same time. Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Sign up to Easy Crypto: To buy and sell digital assets. Take the free, 5-part online course Crypto 101: Crypto with ConfidenceSpecial Thank You to show partner, 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.Sharesies: For local, and international markets.Sharesight: For tracking and reporting on your portfolioExodus: Get rewards on your first $2,500 of swapsRevolut: For a new type of banking.*Some links create a financial benefit.Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Get Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.www.ungaro.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!

For everyday people struggling to get ahead in a system that feels rigged, the path to financial security does not in fact, come from getting the degree, working hard, and trying to be liked. That’s the old world. In the new world, to build new wealth, we have to quest for objective truth. Really? Sounds a bit full on. Check out Cody Ellingham on the Transformation of Value Podcast.Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Brought to you in partnership with Icehouse Ventures, Provincia, UGRO Wealth, and Gorilla Technology. Affiliate Links*!The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets.Sharesies: For local, and international markets.Easy Crypto: To buy and sell digital assets.Sharesight: For tracking and reporting on your portfolioExodus: Get rewards on your first $2,500 of swapsRevolut: For a new type of banking.*Some links create a financial benefit.Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.www.ungaro.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!