NZ Everyday Investor

Now insurance isn’t sexy I know and yes, some of you may tune out on this episode for that reason– honestly though, if anything proves I don’t do this for the downloads, we’re covering insurance 101 today.Sam Tremethick is the chief partnership officer at AIA and our guest today – Sam’s a good guy, and doing well considering the ongoing symptoms associated with prolonged exposure to Australia too. An extra surprise? Oh go on! Carley Ellis is our host today too just to change things up - that's refreshing!I want you to build wealth, protect it, and then give it away – If you can do at least 2 of those things, or ideally 3, you’re on your way to wealth in the broadest sense possible.Would you like to find out what's involved in reviewing your own insurance plan with Ungaro & Co? Check out the ways you can reach out below, or make contact with Carley here: Book a free 15-min chat to discuss your Personal Insurance Strategy here - click on this link.P.S. If you'd like a copy of the research paper quoted in today's show, just email us to get a copy_______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro & Co, the main (silent) partner of this podcast. Book a free 30-min session to 'get you your KiwiSaver sorted, using active and passive strategies- click on this link.Book a free 15-min chat to discuss how our Financial Strategy and Mortgages/Property advice can build wealth - click on this link.Book a free 15-min chat to discuss your Personal Insurance Strategy here - click on this link._________________________________________________________So, what else?1 - I have no shortage of ideas that I think are pretty cool to cover on this podcast, but what would you like to hear? Ask me anything, suggest a topic!2 - Increasingly, there's more content you can discover on other platforms, please ensure you have subscribed to us on Youtube3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for spam/marketing purposes. Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it shouldn't be 'financial advice' if there's no accounting for your individual circumstances, but better safe than sorry. 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.I genuinely want you to build new wealth for the new world - I want you to protect it, and I want you to be generous!

A third of our exports go to just one country, who can replace us in a heartbeat. Fonterra has become an expert in influence over our government.Tensions are rising in the geo-political sphere, and the day is approaching fast where we're we'll have to pick a side between trade with East and security with the West. What are we going to do?Further, when your vote is carries perhaps .00000002% influence over how this country is run, is it right that the vote of one entity carries this much influence?I'm still not sure how this affects the everyday investor, but I know it will - the problem is, no one's talking about this.What’s Happening in the World Economy: China's Intensifying Headaches - BloombergChina-trade-report-2022-update.pdf(nzchinacouncil.org.nz)Fonterra's profits are increasingly reliant on China | Stuff.co.nz_________________________________News of the Money-World is an informative, news 'style' podcast, produced in partners with koura KiwiSaver, one of NZ's most innovative digital KiwiSaver advice provider.Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro & Co, the main (silent) partner of this podcast. Book a free 30-min session to 'get you your KiwiSaver sorted, using active and passive strategies- click on this link.Book a free 15-min chat to discuss how our Financial Strategy and Mortgages/Property advice can build wealth - click on this link.Book a free 15-min chat to discuss your Personal Insurance Strategy here - click on this link._________________________________________________________So, what else?1 - I have no shortage of ideas that I think are pretty cool to cover on this podcast, but what would you like to hear? Ask me anything, suggest a topic!2 - Increasingly, there's more content you can discover on other platforms, please ensure you have subscribed to us on Youtube3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for spam/marketing purposes. Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it shouldn't be 'financial advice' if there's no accounting for your individual circumstances, but better safe than sorry. 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.I genuinely want you to build new wealth for the new world - I want you to protect it, and I want you to be generous!

The 3PF is a new book published by Andrew Malcolm, one of the co-founders of Mortgage HQ, one of NZ's fastest growing mortgage brokerage.I've now read the book and I'd describe it as this: It's a mental framework that simplifies the idea of building passive income through property investment. We're talking a little about some of the core strategies in the first part of this book today. If you're thinking about it, or you already are a property investor who's reliant on a return over time - then GIVE IT TIME. We may not be out of the woods yet with the current property market correction but long term, the odds are high property prices will double in value from here every 7-10 years. So for passive income, we grow first, and then we harvest. Buy property that will appreciate in value at a rate which is higher than your overall holding costs – it’s kind of that simple. 1 to live in, one for long term income,  and one to fatten up for the slaughter in 20 years time. While you’re able to fund your life with your income, you do, but all the while you’re growing capital gains that will convert into yield assets later, when passive income, is going to be essential.YouTube Version here: https://youtu.be/TykRGRhwu0U_______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro & Co, the main (silent) partner of this podcast. Book a free 30-min session to 'get you your KiwiSaver sorted, using active and passive strategies- click on this link.Book a free 15-min chat to discuss how our Financial Strategy and Mortgages/Property advice can build wealth - click on this link.Book a free 15-min chat to discuss your Personal Insurance Strategy here - click on this link._________________________________________________________So, what else?1 - I have no shortage of ideas that I think are pretty cool to cover on this podcast, but what would you like to hear? Ask me anything, suggest a topic!2 - Increasingly, there's more content you can discover on other platforms, please ensure you have subscribed to us on Youtube3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for spam/marketing purposes. Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it shouldn't be 'financial advice' if there's no accounting for your individual circumstances, but better safe than sorry. 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.I genuinely want you to build new wealth for the new world - I want you to protect it, and I want you to be generous!

For one of the scenarios outlined in this podcast to come to fruition, the US had to be significantly weakened. I believe we witnessed this with the events that unfolded on the 3rd of August (NZT) 2022, where the US pulled out of the opportunity to stand with Taiwan through actions, and not just words. We're living in rather odd times.It appears the US lost a game checkers to China, who's clearly been playing a game of chess.It would be disingenuous to say the least, talking about building wealth without simultaneously talking about protecting it. Change is coming - and there ARE things you can do about it. Ignoring what's happening in the world right now, just because it scares you though, well THAT is a very high risk investment strategy.At the time of recording, I had no idea of the events that were unfolding at the same time, where the US lost a game checkers to China, who's clearly been playing a game of chess.It would be disingenuous to say the least, talking about building wealth without simultaneously talking about protecting it. Change is coming - there ARE things you can do, but ignoring what's happening in the world right now, just because it scares you, is a very high risk investment strategy.While the world is watching what they believe is a kinetic war unfold, elsewhere, the war's just getting started.If you're still investing as if everything's getting back to normal, honestly, that's awesome. If you're investing in such a way where it isn't, even just a little, better still.Further reading:https://forkast.news/china-banned-bitcoin-mining-became-no-2-bitcoin-miner/https://www.statista.com/statistics/267998/countries-with-the-largest-gold-reserves/https://www.npr.org/2022/06/17/1105896419/russia-putin-speech-sanctionshttps://news.bitcoin.com/targeting-the-us-dollars-hegemony-russia-china-and-brics-nations-plan-to-craft-a-new-international-reserve-currency/_______________________Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro & Co, the main (silent) partner of this podcast. Book a free 30-min session to 'get you your KiwiSaver sorted, using active and passive strategies- click on this link.Book a free 15-min chat to discuss how our Financial Strategy and Mortgages/Property advice can build wealth - click on this link.Book a free 15-min chat to discuss your Personal Insurance Strategy here - click on this link._________________________________________________________So, what else?1 - I have no shortage of ideas that I think are pretty cool to cover on this podcast, but what would you like to hear? Ask me anything, suggest a topic!2 - Increasingly, there's more content you can discover on other platforms, please ensure you have subscribed to us on Youtube3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for spam/marketing purposes. Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it shouldn't be 'financial advice' if there's no accounting for your individual circumstances, but better safe than sorry. 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.I genuinely want you to build new wealth for the new world - I want you to protect it, and I want you to be generous!

An engineered soft landing. So many critics, including myself, don't believe it's possible to engineer a soft economic landing during this stage. Still, if I'm honest, the approach doesn't look bad..._________________________________News of the Money-World is an informative, news 'style' podcast, produced in partners with koura KiwiSaver, one of NZ's most innovative digital KiwiSaver advice provider.Hey! Like what you've heard today?I'm on a mission to help you grow wealth, protect it, then give it away.Here's some ways you can get alongside the NZ Everyday Investor - no pressure, but I'd appreciate any help you could offer:1 - Spread the word! I want as many as possible to build wealth, protect it, then pass it on. Write a review on the platform you're listening to this on, share on social media, and talk to your friends about it.Share this Spotify link 2 - Use the following referral/affiliate links. It's not a game-changing, but every little bit can help fund some production costs and in some cases, the benefit is all yours!Hatch: $10 for you, and $10 for me, if you sign up and deposit $100NZD.Sharesies: $10 for you, and $10 for me, if you sign up for the first time with them.Easy Crypto: One of NZ's most trusted places to buy/sell your digital assets. Sharesight: Get 5 months free when you sign up to an annual (paid) subscription. Check out to this Kiwi-born investment-tracking platform. CMC Markets: You and I both get $150 if you sign up using this link. *Note that 'contracts for difference are a high risk investment option. Read t's and c's here3 - The next time you're reviewing your insurance requirements, obtaining a new mortgage, reviewing your KiwiSaver, or you'd like to work on your own Financial Strategy, please consider using Ungaro & Co, the main (silent) partner of this podcast. Book a free 30-min session to 'get you your KiwiSaver sorted, using active and passive strategies- click on this link.Book a free 15-min chat to discuss how our Financial Strategy and Mortgages/Property advice can build wealth - click on this link.Book a free 15-min chat to discuss your Personal Insurance Strategy here - click on this link._________________________________________________________So, what else?1 - I have no shortage of ideas that I think are pretty cool to cover on this podcast, but what would you like to hear? Ask me anything, suggest a topic!2 - Increasingly, there's more content you can discover on other platforms, please ensure you have subscribed to us on Youtube3 - Hear more opinion and perspectives from Darcy around the topics covered by signing up to a newsletter - no, this isn't for spam/marketing purposes. Sign up to our newsletter hereDisclaimer: Please act independent from any content provided in these episodes - it shouldn't be 'financial advice' if there's no accounting for your individual circumstances, but better safe than sorry. 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.I genuinely want you to build new wealth for the new world - I want you to protect it, and I want you to be generous!