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Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.
This time, the real Kiwis are us! In this episode, we’re back in the hot seat to update you on what’s going on financially with our lives.
Our last check-in was back in September 2024, so let’s get stuck on what we've been up to since.
Note this recording was filmed in November 2024
Link to the budgeting spreadsheet hereIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
Can your mindset make you richer? Today we explore how your thought patterns influence your financial life, inspired by fascinating research showing positive mindsets can add years to your life.
We'll dive into how shifting from scarcity to abundance thinking could transform your financial future.Key Questions Discussed:
What's the difference between scarcity and abundance mindsets?How do thought patterns affect financial decisions?What practical steps can you take to shift your mindset?Why is visualization important for financial goals?and much more!
If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
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In this Q&A episode, we tackle a common concern about the Kernel Global 100 fund: concentration risk. With just 10 companies making up over 58% of the fund*, we'll explore whether this concentration is a feature or a bug of market-weighted indices.
Specifically, we chat about:
What is market-weighted indexing?How does equal-weighted indexing differ?What are the advantages and disadvantages of concentration?What risks should investors consider?Why do some companies dominate the index?When might concentration be beneficial?As at 30 October 2024.
If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
The holiday season is here, and with it comes increased spending pressure. With recent Worldline data showing Kiwis spent $2.65 billion in just the first three weeks of December, we're diving into how to navigate this expensive period without breaking the bank.
Key Questions Discussed:
What's a reasonable budget for Christmas gifts?How can you plan for holiday expenses?What are smart alternatives to traditional gift-giving?How do you manage social expectations during the holidays?What free or low-cost summer activities can you enjoy?How do you track spending during the festive season?When should you start saving for the holidays?How do you say no to expensive holiday plans?Key References:
Worldline Consumer Spending Data 2023NZ Herald Holiday Retail ReportRNZ Christmas Shopping AnalysisIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
Is the grass really greener (and cheaper) in the countryside?
Today we're exploring the financial reality of city versus country living in New Zealand. With Auckland's median house price at $970,000, we'll investigate whether moving to regions like Gore, where houses trade around $400,000, could be your ticket to mortgage-free living.Key Questions Discussed:
What are the current house prices across NZ's main centres?Which NZ towns offer homes under $500,000?How do job opportunities compare between city and country?What are the hidden costs of regional living?How do income levels vary between urban and rural areas?What lifestyle factors should you consider before moving?Is mortgage-free living worth the lifestyle change?How accessible are essential services in regional areas?Key References:
OneRoof Property Data 2024Stats NZ Census 2018Regional Council District ReportsCouple use their Auckland deposit to buy house in Gore mortgage-freeIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
In this follow-up episode, we dive into how to calculate your ideal insurance coverage. We'll help you understand exactly how much protection you need and what factors to consider.
Key Questions Discussed:
How do you calculate your ideal coverage amount?What's the difference between stepped and level premiums?Do couples need individual or joint policies?What are common policy exclusions?When should you review your coverage?and much more!
If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
Today we're tackling a crucial but often overlooked topic: how to calculate your life insurance needs.
With recent FSC research showing only 20% of New Zealanders have income protection insurance, we'll break down the essentials of personal insurance and help you figure out exactly how much coverage you need.Key Questions Discussed:
What are the different types of life insurance available?How do you calculate your ideal coverage amount?What's the difference between stepped and level premiums?Do couples need individual or joint policies?What are common insurance policy exclusions?and much more!
Key References:
Financial Services Council (FSC) 2023 ResearchMoneyHub Insurance CalculatorIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
In this Money Moments episode we're joined by Jason Leong, CEO and Co-Founder of PocketSmith.
What shaped Jason's relationship with money and financial habits?Why PocketSmith chose sustainable growth over rapid scalingHow PocketSmith manages a remote team across New Zealand and embraces individuality within a teamWhat challenges come with serving customers across different financial systems?How open banking will change personal finance in NZ
From humble beginnings to leading a global fintech company serving customers in 190 countries, Jason shares his money journey and the story behind PocketSmith's growth.
Specifically, we chat about:Plus plenty more!
If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
How much money do you really need to retire? In this eye-opening episode, we break down the real numbers behind retirement planning in New Zealand.
With recent Retirement Commission research showing that 65% of people over 55 have no concrete retirement plan, we'll help you understand what you need and how to get there.Key Questions Discussed:
What's the difference between a 'no frills' and 'choices' retirement?How much does NZ Super actually provide?What are the current retirement savings targets for different lifestyles?How do you calculate your personal retirement number?What role does KiwiSaver play in retirement planning?How do living costs affect retirement savings goals?What common retirement planning mistakes should you avoid?Is it ever too early to start planning for retirement?Key References:
Massey University 2023 Retirement ReportTe Ara Ahunga Ora Retirement Commission Research 2022Stats NZ Income Data (June 2024 quarter)NZ Super Rates 2024Sorted.org.nz Retirement CalculatorIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
Today, we're discussing how to break up financially—not just with a significant other.
Breakups are challenging, and they aren't limited to romantic relationships. Whether you're parting ways with a service provider like a personal trainer or financial adviser, or even becoming financially independent from your parents, there are strategies to help ease the transition and handle the situation effectively.
Key Questions Discussed:
How do you professionally end financial relationships with service providers?What steps should you take before making a financial break?What are your legal rights regarding relationship property in NZ?How can you prepare financially for a relationship separation?What common mistakes should you avoid during financial separations?How can you maintain financial independence in relationships?Resources
Learn more about Relationship Property hereIndependent UK ArticleTe Ara Ahunga Ora Retirement CommissionIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
In this episode, we tackle a crucial yet often-overlooked topic: what happens to your investments when you pass away? Understanding what happens to your assets is essential for ensuring your loved ones are taken care of and the outcome you intended is achieved.
Specifically, we chat about:
What is the importance of having a will for your investments?We run through a scenario of what happens in default with your estate if you don't have a will in placeWhy it's important to seek legal advice from the specialistsHow you can ensure your investment wishes are honouredIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
In this episode, we revisit the concept of diversification in investing. Understanding how to spread your investments is important, especially in helping manage risk.
Specifically, we chat about:
What is diversification and why is it important?How can you diversify your investments across asset classes, geography, sectors, and company sizes?How many stocks do you need to achieve effective diversification?How can you identify signs of under-diversification or over-diversification in your portfolio?What tips can help listeners effectively diversify their portfolios?Resources mentioned
What to consider when investing globallyPortfolio Construction: Infrastructure vs Property vs EquitiesIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
In the second part of our mortgage series, we dive deeper into the practical steps of purchasing your dream home. From assembling a reliable support team to finalizing your settlement, we've got you covered:
Specifically, we chat about:
Who should be on your support team, and why are they essential to the home buying process?Why is building and contents insurance essential, and how early should you secure it?What is the importance of conducting property inspections before proceeding with an auction or offer?How can you effectively research a property, and what resources should you use?How do different methods of sale, such as auction, price by negotiation, and house & land package, impact your offer and purchase strategy?If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
In this 2 part episode, we'll be chatting about the step by step on how to buy a house.
Whether you're a first-time buyer or a seasoned pro, we outline the steps you'll need to take, including some tips to take to help make your house hunt easier both mentally and hopefully financially.In this episode, we cover:
When should you set your goal to buy a house, and is your timeline flexible?What is the ideal deposit amount you should aim for, and what are the implications of different percentages (20%, 10%, 5%)?What is LVR and how does it influence your borrowing capacity?How can online mortgage calculators assist in planning your budget and repayments?What role does your KiwiSaver fund play in buying your first home, and how can you maximize its benefits?How do loan approval processes differ when working with a mortgage broker vs going directly to a bank?If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
In this episode, we're joined by an expert guest - Cam Irvine.
Cam brings extensive experience from the financial services industry, having worked for one of the most successful mutual fund managers in the US before becoming a highly qualified NZ financial planner.
Specializing in working with ex-pats and those with significant property-based wealth, Cam is a passionate advocate for data-driven investing.
Today, he's here to do a deep dive into index investing with a focus more on the psychology aspect. Specifically, we'll explore:
Ingrained human behaviours that influence our investment decisions Why people often overestimate their ability to outperform the market The characteristics of the best and worst types of investors Distinguishing between luck and skill in investing How index investing frees up a crucial asset: timeWant to hear more from Cam? Check out their website here.
If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.
In this episode, we’re back again in the hot seat to give you an update on what’s going on with our lives financially. Our last check-in was back in May - about 4 months ago so there is catching up to do. Let’s get stuck in!
Specifically, we discuss:
Christine's recent horror Airbnb story An update on Christine's recent exercise and health habitsWhy Cat is considering getting a financial adviserHow Cat's European holiday went (including her review of Taylor Swift's concert)The dilemma of being open with money and how openness can deter people from sharing their storiesIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
In this week’s episode of Money Moments, we chat with Ravi Chand, Operations Manager at Lighthouse Financial. Ravi shares his money habits and the journey that got him to where he is today.
Specifically, we discuss:
The money mindset(s) he uses daily to manage his lifestyleWhat money habits he’s proud of (and a few he’s embarrassed by)How he found a creative way to get on the property ladder with his first homeWhat retirement looks like for him in the long termIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
Today, we’re back with another Money Moments episode, where we chat with real Kiwis about their experiences with money. In the hot seat today is Sophie Hurley.
Sophie is a farmer, mum, and the founder of Honest Wolf, an ethical New Zealand luxury wool brand. Recently, she was honoured with the 2023 Supreme Award and Emerging Business Award at the Rural Women NZ Business Awards. She and her husband have also been featured on Country Calendar.
We dive into Sophie’s journey, exploring how she built Honest Wolf into the brand it is today.
In this episode, we cover:
How her background in marketing and sales influenced the development of Honest Wolf.What inspired her to start Honest Wolf and how the brand has grown since its inception.How the declining price of wool has affected traditional wool farming.What factors she considered before opening a physical store in Hunterville, and how she manages its costs versus benefits.How she navigates the seasonal nature of fashion while maintaining Honest Wolf’s sustainability values.What strategies she has employed in pricing her products and managing manufacturing costs.Insights into her plans for international expansion, especially the move into the Australian market.If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
In this week’s episode, we chat about something near and dear to many Kiwi investors—investment property!
When it comes to investing, many Kiwis often default to the dream of owning multiple properties with the hope of benefiting from capital gains and that sweet rental income.
But are investment properties the only way to set ourselves up for financial success? More importantly, will this obsession with investment property continue given the current rules and regulations?
Tune in with Kernel founder and CE, Dean Anderson, as he answers this question and more!In this episode, we discuss:
Why most Kiwis often default to investment properties as their primary investment Whether we can expect investment properties to be as lucrative in the future as they once were Alternative investment options available for those just out of reach of the property market The pros and cons of alternative investment optionsIf you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz -
In this episode of Money Moments, Christine catches up with Dean Anderson, the founder and CE of Kernel.
It’s been two years since Dean last appeared on the podcast, so we thought it was the perfect time for him to update us on both his professional journey and personal milestones.
The toughest and most rewarding aspects of running KernelSignificant personal and financial changes Dean has experienced in the last two yearsWhat drove Dean’s decision to re-enter the property marketThe importance of maintaining an emergency fund and having health insuranceDean’s long-term vision for Kernel and what’s next after reaching $1 billion in assets under management
In this episode, we discuss:If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz - Vis mere
