NZ Everyday Investor

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!

Decades of punchdrunk capital gains now yield to occasional night terrors of leaky taps and flooded basements. Sure, it’s most likely the cyclical blues preceding a full scale recovery in the residential space, but part of this is vibe shift. So if commercial property 'just makes more sense', what's the playbook?Joining me to discuss is Jack Revill and Carl Burling from Provincia, an unlisted property fund for wholesale investors. 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!

Andy Schectman, Co-founder and CEO of Miles Franklin, dives into the explosive rise of gold prices, now hitting $3,500 an ounce. He explains the surge driven by central bank demands and global uncertainty. Discussion turns to the workings of COMEX and LBMA, and the implications of central bank reclassification. Andy sheds light on BRICS' CBDC developments and risks of ETFs versus physical gold ownership. He boldly predicts gold could soar above $6,000 by 2026, making a compelling case for why gold remains a preferred safe haven over Bitcoin.

Show me where in the wallet the salesman touched you.These three groups have the ability to influence your wealth significantly, but they all hold secrets: Financial advisers, product manufacturers, and regulators.At an organisational, and individual level, incentives abound in each of these three groups. Incentives which may or may not be aligned with yours.Read moreSpecial thanks to Jeff Royle and David Hart for having this conversation with me.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 is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 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!

Trump tariffs are not the only thing going on in the world right now, and the fact that it’s occupying the imagination of a lot of people globally right now, is a reason pay attention. I think we have to make all decision carefully right now – around changing, or staying the course, especially. Read moreRupert Carlyon is the MD of koura KiwiSaver.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 is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 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!

Sounds a bit woo-woo saying it, but this is my strategy. It’s why I doubled down on leveraged residential property in 2015, Bitcoin in 2017, and gold in 2019. I’ve mostly always ignored the price during these times and exclusively focused on the macro-narratives. Read more.YouTube version for charts.Gary Savage is an expert gold analyst and author of the Smart Money Tracker newsletter: https://www.smartmoneytrackerpremium.comBook 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 is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 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!

Fees, taxes, and inflation—nothing robs your investment account more than this evil threesome. With fees, if you’re not getting value, you can move your money wherever you like, but there’s diminishing returns the further you go. With taxes, there are ways to legally reduce this obligation...Read more.Thank you very much to Lawrence Lepard - check out his book 'The Big Print.'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 is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 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!

Early-stage investing is putting money into new companies with big ideas but not a lot of history. If they make it, even a small investment can yield significant returns. The best part of these returns, however, is that it has nothing to do with global trends but the company’s ability to solve a problem and generate revenue. Read moreRobbie Paul is the CEO of Icehouse Ventures.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 is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 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!

Tom Deacon is a senior investment analyst at Mint Asset Management, who focuses on stock research for New Zealand and Australian-listed companies in the healthcare and technology sectors. Read moreYouTube VersionBook 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 is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 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!

Check out YouTube version here, or read an article about this chat here.Michael Reddell is a former senior official at the Reserve Bank of New Zealand (RBNZ). He was Head of Financial Markets from 2000 to 2003 – he was an economic adviser to the central banks of Papua New Guinea and Zambia and served on the Board of the International Monetary Fund – although being semi-retired he writes regularly on central bank issues and New Zealand's economic performance.Check out the blog of Michael Reddell here.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 is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 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!