NZ Everyday Investor

Rules of the thumbs, tips and tricks - Is there really some form of hard-core religious dogma around investing we need to adhere to? No! Never has been!If it helps though, go for it, just be sure you understand the reasons why these rules of thumb came to be in the first place - perhaps there's an updated version you can come up with?Today, Rupert and I are talking about the death of the 60/40 portfolio - one of the best known rules of thumb with portfolio construction. With the turn around in interest rates (or apparent turn-around), should we now look to alternatives or substitutes for the 40% allocation to bonds?________________________________Welcome to a bonus series, in partnership with koura Wealth, your digital KiwiSaver provider. The NZ Everyday Investor is proud to present, News of The Money-World, a show about what’s happening in the finance world and how that affects you, the everyday Kiwi._______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets. Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - Complete this survey! A Future Model of Financial Advice3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

Ask me anything, suggest a topic, or a guest!My guest today was Amanda Martin, a specialist tax adviser and she'll be joining us again for part two. If you'd like to read more of what she puts out there, check out www.taxadvisory.co.nzWant to check out Sharesight? https://www.sharesight.com/nz/Performance, risk, and fees:How well has an investment has performed in the past and will those conditions be present off into the future?With wild swings in prices, is the timeframe we’re investing for appropriate for our chosen wealth building tools?Who’s wetting their beak off my hard earned cash – are they adding value?Sound like some typical questions you have too when you invest? The great news about questions relating to performance risk and fees I think, is that it’s easier than ever before to get the answers. Tax though, is often not in the top three of questions we mull over though._______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets. Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

Buy a home, pay off the mortgage eventually, then invest as much as you can with KiwiSaver: The Idiot-Proof Two-Step Solution to Retirement.Ask me anything, suggest a topic, or a guest!I’m really excited for this one today, because this episode is inspired by one of you recently, who took the time to ask a question by visiting the show notes and clicking on the sentence above. Patrick asked– ‘talk to me like an idiot – if there were only one or two steps I needed to take to get on track for retirement – what would they be?’ _______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets. Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

Ask me anything, suggest a topic, or a guest!Tom Hartmann, personal finance lead with the Retirement Commission. Check out the article mentioned in today's show!The best analogy I can think of to describe the relationship between managing personal finances well and investing, is found in Hybrid vehicles- A hybrid car uses an internal combustion engine, an electric motor, and a small battery pack. When the engines going, it sends power to the wheels and also charges the battery, which in turn powers the electric motor to provide an additional power boost, or short range electric only driving. When the car slows down, the forward momentum no longer required is converted into energy stored in the battery system – so the surplus energy harvested is re-used another time. Hybrid vehicles go further with the same amount of fuel than normal cars with a gas engine only, because they’re efficient.Still want to hear more from Tom Hartmann? Check out the following:Intergenerational wealth: https://open.spotify.com/episode/4HY3mejouE0hPw8OJlRkjw?si=EP0s26kCSRGeKXc3E-C05gKiwiSaver: Navigating troubled waters: https://open.spotify.com/episode/4UaVYJwNNlWBv9y4JwIkt8?si=BssrSystSA2XRt1qFAB2cwFinancially Left Behind: https://open.spotify.com/episode/6TesUXz8CRtN3mKelGhjqB?si=nwcQlJzHQXi_oYqIL6_Z9QIncreasing Financial Capability: https://open.spotify.com/episode/53MTLzXzK0HC78zWTODcQ9?si=qYRV7cVXRJm47XXn8Z_3Fg_______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets. Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link

Ask me anything, suggest a topic, or a guest!Central banks and governments have to create inflation, to protect the function of the current financial system. if they don’t, in the short term, it would create an absolute disaster that makes the pandemic appear a cake walk. You can take a conspiratorial lens on this if you like too of course, where there’s nefarious globalists trying to concentrate their power ushering in a new global order and common worldwide currency – but I don’t think you need to. The explanations still works if you can understand most influencers in the political realms thrive off incompetency. Personally, I can see a 'tick-shaped' recovery here with respect to property and the darker it becomes with the economy, the more whiplash some may experience when the re-bound occurs. Unless there's a qualitative and fundamental shift to how the current financial system works not just in NZ but in the rest of the world, we've already seen the playbook here. Once inflation seems like it may subside, we know what the RBNZ will do next.The question is - which side of this theory do you want to stand on?_______________________Hey! Like what you've heard today?I'm on a mission to help improve levels of wealth for everyday Kiwi's. After all, it's good to build wealth...right?Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:Use the following referral/affiliate linksHatch: https://app.hatchinvest.nz/share/uqhcj8y8. $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: https://sharesies.com/r/RRPR6X. $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: easycrypto.com/nz?ref=19599. One of NZ's most trusted places to buy/sell your digital assets. Share this Spotify link with your friends: https://open.spotify.com/show/0MA6EGur387YT1ENKIffMx?si=b1C28fV7TmWib8qXnZLDoA_________________________________________________________So what's next for you?Well, you may want to consider the following...1 - Write a review on Facebook, or your favorite podcast player2 - Ask me anything, suggest a topic!3 - To catch the live episodes, please ensure you have subscribed to us on Youtube: 4- Sign up to our newsletter herePlease ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research, taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link