Episodes

  • In this episode I'm sharing some practical things you can do to make a plan to get through, complete with some actions you can take around KiwiSaver, your insurance plan, and your mortgage.

    For help with Working for Families requests:

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    For help in 'pausing' your contributions towards KiwiSaver, please visit this link

    If you would like to schedule in a free 15 min chat with me, an Authorised Financial Adviser, around mortgage holidays in particular, click on this link

    IMPORTANT:

    As recording is going to be challenging during this time, please ensure that you have subscribed to us on Youtube:

    Please also subscribe to our newsletter to ensure you are receiving everything that is going out during this lock-down period.

  • "This time it's different" - yes and no. It's different yes, but we've actually been here before. The rate of return you get, over and above a term deposit, is your reward for enduring times such as this.

    We are in the midst of some intense market movements and it can appear quite scary at the moment. The storm WILL pass at some stage, but it pays to understand how markets will withstand what's about to hit.

    This time around the regulators are well prepared to use some tools faster than they did back in 2008 with the GFC. It's going to be messy make no mistake and in a sense, we are at war. Our economy and our leaders are leading us to battle and our weapons are loaded.

    Join Chris and I as we discuss short and medium term implications for investors and mortgage borrowers in light of Covid-19

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  • Sabby, a self-employed IT contractor in the airline industry, met with me recently to discuss his questions and concerns around the Covid-19 pandemic.

    Sabby, like many everyday Kiwi's, owns a property and has one or two extra in order to plan for retirement.

    With what's happening now and no income likely for 1-3 years, he's concerned he may need to sell his crown jewel (an investment property) at a bad time, to reduce his debt.

    After our meeting Sabby agreed to be mic'd up for your benefit so you can hopefully see how an everyday person has made some difficult decisions in light of this pandemic. Everyone has a unique situation and the strategy we've landed on for Sabby may not be right for you. What I'm hoping you do get out of this though, is an insight into how having a calm and rational discussion with your partner (ideally aided by an adviser), can help you land on the best decision in light of uncertain times.

    For more background on common Covid questions, please read the following article around this.

  • Note: This recording was done 2 weeks prior to the worldwide equity markets pulling back and before the full extent of what Covid-19 has now become, was even known.

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    Julian McCormack from Platinum Asset Management joins me in this deep dive to talk bubbles and active investing, all with a good dose of economic history.

    Today's episode requires a clear mind before you start listening - we often try to drop a few life-lines to explain things for those of us who are still learning, but this time you may need to pause, consult Mr Google, and continue listening. Don't let any of the jargon put you off here - this is a must listen!

    Some questions we're exploring today:

    Are we in a bubble?

    What would it take to 'prick ' this bubble?

    Some key 'take-aways'?

    Why should we all invest? Well, we all have a 'right' to partake in the fruits of capitalism. Sometimes you have to fight for your right (not just to party) but to invest - just because it may seem hard, doesn't mean you shouldn't do it.Passive vs active isn't a debate we should have, it's merely two different investment styles we should all be approaching. 'Owning' a slice of the market is fine, but having at least some allocation towards active management seems like a sensible thing to do when the future is as uncertain as it is currently...right?The average return is a lie.Economics - the physics of humanity.Economic shocks and 'bubble avoidance' isn't actually a healthy mindset - often a market shock can be a good thing as an investor and not something to be fearful of...just prepared for.In any area of your life that you're trying to improve on, outside help is helpful. DIY passive investing could be a great strategy for your 'core', but even then, shouldn't you get some advice with that?Shut up and buy cheap stocks - could this be the most profound bits of investment advice you've ever heard?

    If you want to learn more about the types of funds that Platinum offer, please consult an authorised financial adviser.

    Hope you've enjoyed this episode - if you have please write a review on your favourite podcast player and share this episode on your various facebook groups!

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    Like what you’ve heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • Rupert Carlyon joins me to have a candid discussion around the the vehicle, and the destination that it's taking us to.

    Whether we acknowledge it or not, our KiwiSaver is taking us somewhere. Many of us, including myself until a few years back, are rather apathetic on the topic of KiwiSaver. We've set it up, now we've moved on to something else. Is that wise?

    In this episode, Rupert (one of the co-founders of a digital advice KiwiSaver provider called Koura Wealth), discusses with me some of the habits and mindsets we need to move into, in order to build a better retirement.

    Factual information may not enough, even if it's available in spades, to make a good decision around your financial future. Advice provides another layer for one to make a good decision in light of the facts, about what's right for them.

    The problem with advice is that it's not freely available, unless there's a sale on the other end. Providing advice is not a charity especially if humans are employed to deliver it. The result in NZ, and regulation certainly has a huge role to play here btw, is that many Kiwi's have chosen their KiwiSaver provider without advice.

    Digital advice aims to solve part of this problem.

    If you want to check out this innovative new start-up KiwiSaver fund manager, visit www.kourawealth.co.nz

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    Like what you’ve heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • Rupert Carlyon from Koura Wealth joins me to discuss.

    Before we talk about what's wrong with KiwiSaver, we should point on some good stuff first:

    - Many Kiwi's are investing again in the share markets rather than just property. Sure, they possibly had no idea that's what they were doing when they joined, but a good result nevertheless.

    - KiwiSaver is going to decrease the likelihood and magnitude of retirement poverty. It's unlikely government super will be enough, but now with KiwiSaver, there's a growing chance some of us will be in good shape

    - KiwiSaver is increasing the financial resilience of our country - more investors, more funds floating around in the world from a country who's been acting a bit gun-shy since the '87 share market crash

    So the problems? Well...I'm not going to ruin the surprise, you'll just have to listen!

    Make sure you've subscribed so you will be made aware of the next episode with Rupert and I next week.

    A bit about Rupert:

    Rupert has worked in financial service roles his entire career – starting at global investment bank UBS, where he had a slew of roles in London and Auckland. Returning to New Zealand in 2014, Rupert was disappointed to see the KiwiSaver market had not moved on since he left. Seven years on, New Zealanders were still being given the same stock-standard, three-fund offering and he could see that KiwiSaver was not really working for everyone. So he began to look internationally, at companies and technologies that were doing retirement investing right. kōura is the result - a way to give kiwis access to the technology and products to help them achieve their financial goals.

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    Like what you’ve heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • Tim Warren, a former executive at Goldman Sachs, JBWere and others, is one of three founders of a company called Ambit. This firm is responsible for some of the very life-like digital employees that you're now finding at places like Vector, AirNZ, Noel Leemings, and ANZ. Tim is a people person, who loves books, playing jazz drums, and keeping himself busy as a Dad of two.

    Digital employees, (aka by their rather derogatory term: Chatbots), have the power to change the workforce. This episode isn't about the potential for this AI-infused tech revolution to induce mass unemployment however, it's about the other side of the equation. So, I have a few questions:

    How well with large firms adopt this new technology? What opportunities are there for disruption?

    What kind of short-term/long-term costs will business wear if they are unwilling to adapt?

    Should I now be assessing 'digital-employee' openness when making investment decisions?

    What would it look like if a digital employee worked for you and for me - with the sole aim of building your wealth?

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    Like what you’ve heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • It's easy to view the world through your own experience - often we see things as WE are, not as they are. Living in a first world country we perhaps have a slight fog on our lenses around how difficult it may be for those in other countries who do not have access to the same things we do.

    We know this is true in terms of freedom, enough food to eat, security and life expectancy, but what about access to financial services. Bitcoin, the digital money for the digital world, has provided (and is increasingly providing) a lifeline in many jurisdictions worldwide. As some of us dismissed Bitcoin a couple of years ago, it's adoption has marched on.

    Andy Pickering, editor and Brave New Coin and host of the Crypto-Conversation, joins me and my co-host Jaret Lang, to discuss.

    We're covering questions today like:

    What is Bitcoin?

    Why should I even care about it?

    Is Bitcoin dead?

    Are we Bitcoin 'investing' or 'speculating'?

    We also throw Andy's trademarked 'Crypto-Hot-Take' quick-fire question round back in his face with some surprising results.

    For those of you also who are sci-fi fans, Jaret and I discuss the most powerful and creative Canadian sci-fi film every made - THE MUTANTS OF 2051 AD !

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    If you want to make a start with Bitcoin, Darcy uses Vimba, a service provider listed on the FSPR registry - check it out via this link and a small portion of the fee charged will go towards supporting the NZ Everyday Investor Podcast.

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    Like what you’ve heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • Those with the gold, make the rules!

    There are significant benefits in the area of direct commercial property investment. Higher rates of return, greater opportunities to increase property value by augmenting lease terms, the tenants pay for everything...to name just a few.

    There are also significant hurdles to overcome. Having a much larger deposit (like 35%), paying higher interest rates, and tighter lending rules overall are just a few of them.

    More often than not, mainstream banks are saying 'no' to commercial property investors. Is this because it's a bad idea? Not necessarily, but there are more risks and against a backdrop of increasing conservatism, borrowers need to be open to having a broader discussion with lenders who are not 'mainstream'

    Simon Paris joins me on this episode to discuss some of the rules that mainstream banks have and how they differ to non-banks.

    Like what you’ve heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • Often the 'middle' get over-looked when thinking about who needs financial advice. Sure, many 'middle class' people are in good shape relative to those drowning in short term debt and spiraling out of control - but often this group of people have aspirations to do more, but struggle to get their act together. There could be many reasons for this, but perhaps they simply have not gone through financial puberty yet.

    Having a good income does not equate to having wealth - in fact, it's odd but often those with good income 'leak', and fall behind right when it's critical to leap ahead.

    Tom Hartmann joins me again in the studio to pick up the conversation we started last week.

    If you find yourself financially left behind, have a think about one thing that you could do to turn your ship around. Often a series of not-so-awesome decisions put you into your current position. What could get you out of it could simply be a series of better decisions - there is hope. Perhaps for you simply doing a budget is all you need to do. If so, check out this budgeting tool from Sorted.

    Perhaps you've left investing a little too late and assumed that it was something that only really wealthy or smart people do. The wealthy bit will take some time to grow, but perhaps you do need to increase your smarts a little (if you're reading this I think you're doing well already though!).

    The great news is no matter where you are, you can make some good decisions today...you can learn something more today...and maybe even start to take action today too.

    Hope you've enjoyed this episode.

    What do you think of these shorter episodes? Let me know. If you like them longer, don't worry, next week will be longer I promise!

    Like what you’ve heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • It's easy to assume those who are wealthy are 'lucky'. Lucky enough to have great parents, go to a good school, get a good education then a good job. In reality, true financial capability comes from keeping your eye on the prize - forgetting the past and driving clear on into the future.

    Tom Hartmann, managing editor at the CFFC (Cat Frog Frog Cat, or more accurately, the Commission For Financial Capability), is joining me to discuss.

    Currently, retired people cost NZ $38m per day - that figure will double before we know it. NZ is not a huge country, but we have a rat moving down the throat of a snake when it comes to the seismic demographic change to come. We have, or will have, a superannuation crisis. You can disagree over this, but for many, government super is a not a huge amount to get = $21,380 pa - that's only 43% of the average income in NZ. Already, we are seeing retired people live in poverty, and this is going to get worse. This 'not enough' amount we'll get in retirement could already be unsustainable for our government in the future too. What do we do when the cost of providing this exceeds the benefit it was designed to provide?

    The CFFC is actively involved in helping Kiwi's build financial capability, and their work via the Sorted website testifies to this. It started out as a free and unbiased resource but now, it's evolving into something that is a force for change. Initiatives like 'Sorted in Schools' and 'Sorted at Work' are two examples of how they are pivoting with targeted initiatives designed to create change pro-actively - this is awesome to see.

    So, the problem? As a country, and as individuals, we all have to deal with a retirement crisis that will arrive at some point in the not too distant future. Let's talk about it for what it is - a huge problem.

    The current solution? Education is one of the solutions and the more that's out there the better. Much of the free content out there however, and no one is innocent here including myself, often acts like more of a 'sales funnel'. Great information, but designed to sell a providers solution or even a certain set of ideologies. The only true un-biased content is often built for the general audience only and may not in fact, be fit for purpose for the reader. Financial advisers are a great resource, but often it's only accessible to a very small portion of society.

    The best solution? I don't think I've seen it yet to be honest, but the CFFC and Sorted as a resource in particular, is moving in the right direction. No matter where you are at your wealth-building journey, there's a huge amount of content you should check out there.

    The best solution to address our retirement crisis is not currently apparent to me though. Information is not enough, unless it leads to a change in behavior. I suspect that not until we see a closer working relationship between private sector initiatives with public sector governance, will we see a solution that's effective for the majority of Kiwi's - the important thing here is that we're moving in the right direction though.

    Tom is with me for two episodes so hang in there, because next week we're covering even more ground.

    Like what you’ve heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • It's still property investment, but unless you've done it before, it's not what you think it is.

    In an environment of lower returns on investment across many asset classes and property in particular, in order to get a good return, you have to factor in the expected capital gains. With residential property, there's generally a trade-off between getting a good yield (good rent relative to the value of the property), with expected capital gains. An Auckland 3 bedroom home may go up in value nicely over time, but a property in say Hamilton, may provide a better yield.

    Commercial property is different:

    The tenant usually pays for all outgoingsYou can influence the value more directly by improving the lease termsAccess to lending is often a bit tighter, and more expensiveVacancies can last longer, but there could be more certainty with cash flow over time

    On the whole, there are more positives than negatives and it's a true-ism that residential property investors often 'grow up' to be commercial investors later on. I can see why.

    There is, however, a huge elephant in the warehouse here - the barriers to entry are higher with commercial . Not only do commercial properties often cost a lot more than residential, but if purchasing direct, you have to have a much higher deposit to even get a foot in the door.

    Jack and Brandon have a broad discussion with me around the benefits of commercial property as well as touch on some different ways you can partake in this investment: Direct, through a syndicate and through a fund (unlisted or listed).

    We've discussed listed property funds already on the show with Dean Anderson from Kernel and also with Di Papadopolous from Booster if you want to check that out also.

    This is a must-listen for anyone thinking of getting into a commercial property at some stage. Newland Burling, the company Jack and Brandon work for, also do a commercial property master class and it's a worthwhile exercise to head along - let them know you found them via this podcast. You won't get a deal but you'll be the teacher's pet!

    Like what you’ve heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • Democratisation - the action of making something accessible to everyone.

    Giving the person with 1 cent the same opportunities as the person with $1m is one of the foundation principles used by the founders of Sharesies to bring their product to the market.

    Traditionally, would be 'wealth-developers', have been locked out of investing unless they had significant sums to invest. It just wasn't possible or if it was, it wasn't cost efficient. Sharesies pioneered the practice of 'fractionalisation' with investing, enabling more people to come to the party with what they had. The result? Over 70,000 Kiwi's now have a Sharesies account and the average balance is sitting at over $2k each.

    It's been over a year since I caught up with the Sharesies team and a lot has happened since then. Yes there are more players in this space, with Kernel Wealth, Hatch, and Invest Now to name a few. The good news is that the 'pie' of everyday Kiwi's playing the game is growing.

    Focusing on the everyday investor, Sharesies enables those with smaller amounts to invest in not only exchange traded funds, but now also shares listed on the New Zealand Stock Exchange (NZX). This is massive.

    The other thing Sharesies does incredibly well, is that it allows an account to be set up for children. From personal experience I have struggled to teach my kids about investing, but having this tool is a great assist.

    If you would like to learn more, check out sharesies.nz

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    Like what you’ve heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • From personal experience, owning a holiday home is awesome! It's a very privileged position to even be in to own a secondary home. If you don't need the income that this secondary home could generate also, you're in a very small group of Kiwi's who are 'living the dream'!

    So, if you're thinking about this then, before you do, ponder the following questions:

    Where should you buy a holiday home?

    What types of property make the best holiday homes?

    What are the bank rules if lending is required?

    What other points should you consider from a tax perspective if you decide to rent out your holiday home?

    What about going in with your friends to purchase a holiday home?

  • Adrienne Church, the General Manager of Prospa New Zealand joins me to discuss how 'cashflow funding' works and how small to medium-sized enterprises grow using this tool.

    Many Kiwi's build wealth through business.

    97% of all businesses in NZ are considered a SME (Small to Medium-Sized Enterprises).

    30% of all Kiwi's are employed by businesses with less than 9 employees.

    Not only do business owners build wealth through their enterprise, but indirectly they are responsible for producing income for a large chunk of the NZ workforce.

    Adrienne talks to me about the role of debt in building wealth. Many often think that debt is the opposite of wealth. This is ironic, especially when you understand that most investments are denominated in a currency, which is technically debt!

    Is borrowing to fund your business of interest to you?

    NZ Everyday Investor via Ungaro & Co Financial Services have an offer whereby if you proceed with taking out a Prospa loan and a commission is paid to Ungaro & Co, a portion of that goes to support this podcast.

    Check out this link here to arrange a Prospa loan and learn more.

  • MERRY CHRISTMAS TO YOU ALL!

    In this episode, Greg Hutana from Gorilla Technologies joins me in the studio to do a bit of a wrap up of the year that's been.

    This year has been awesome to be involved in podcasting. It's a growing medium of communication, covering topics that are growing in popularity. Heck, I even got an award this year for the podcast thanks to Financial Advice NZ!

    The momentum is building and next year is going to be a big one - I'm personally looking forward to learning more about new ways to build new wealth in the new world.

    Big thank you 's all around to the following people:

    My wife (Pumpkin!)

    My work-wife (Gayna)

    Paul, Greg and Selina at Podcasts.NZ

    All subscibers everwhere

    The Patreon supporters

    All clients of mine, past/present/future

    Special announcement

    Thanks to our friends at Hatch, we have $300 to give away to a lucky member of the NZ Investor Community.

    Important two things you need to do to enter the draw.

    1- To be eligible for this prize draw, Sign up to our newsletter here

    2 – To be eligible for draw, you also need to have a Hatch account – sign up here but don’t worry, you don’t have to deposit any funds if you don’t want to. Tip: Don’t enter this draw unless you have a Hatch account.

    More t’s and c’s:

    Only sign up to newsletter using one email address per person

    If you win, Hatch will credit funds into a valid Hatch account matching your name and email address used to join our newsletter.

    Prize draw to occur on the 19th of December and winner notified by email and via Facebook – If no response received within 24 hours, we’ll revert to another back up name

  • Increasingly, there are great options where everyday Kiwi's can partake of the benefits of property investment without directly holding it.

    We're moving, quickly, into a world where accessibility to traditional assets is under pressure. Those that have, continue to accrue. Those who don't have, are left further behind. Contained in this problem however is a significant opportunity. Can (should) government help? Will complaining do anything? I doubt it. Here's what I do know though - private enterprise is rising to the challenge yet again to address the gap between the 'haves' and the 'have nots'.

    Owning property directly will become more challenging in the new world. When you understand the role of a fund manager and custodial service however, you can begin to see how property fractionalisation could be the cure to multiple challenges at once. The PLPF is yet another manifestation of financial innovation occurring from established players in the market.

    Di Papadopoulos from Booster joins me in the studio today. We're discussing the following:

    1 - What's PLPF?

    2 - What does Booster do?

    3 - How do fund managers view financial advisers?

    4 - Kids and money

    5 - Investing in New Zealand

    Go here to learn more about the PLPF, including what it stands for.

    Check out the blog on kids $50 challenge here

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    Special announcement

    Thanks to our friends at Hatch, we have $300 to give away to a lucky member of the NZ Investor Community.

    Important two things you need to do to enter the draw.

    1- To be eligible for this prize draw, Sign up to our newsletter here

    2 – To be eligible for draw, you also need to have a Hatch account – sign up here but don’t worry, you don’t have to deposit any funds if you don’t want to. Tip: Don’t enter this draw unless you have a Hatch account.

    More t’s and c’s:

    Only sign up to newsletter using one email address per person

    If you win, Hatch will credit funds into a valid Hatch account matching your name and email address used to join our newsletter.

    Prize draw to occur on the 19th of December and winner notified by email and via Facebook – If no response received within 24 hours, we’ll revert to another back up name

    _________________________________________________________________

    Like what you’ve heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • If you're happy to pay a fund manager a fee to manage a portfolio of assets that grow in value, why not spend money protecting your most valuable asset?

    Jane Doe is talking with me in the studio about how fortunate she is. She's not lucky, she's fortunate - she made a rational choice when the options were presented to her, and now even though things didn't go according to plan, she still has choice.

    In this episode you will hear about:

    How does insurance actually work when you need it?What types of personal insurance cover you for getting cancer?Should you talk with an insurance adviser or can you just as easily do the job online?Should I wait until I'm older to get insurance, or sort it out now?

    If you would like to learn more about what was covered today and would like further information, I'd like to encourage you to reach out to a qualified insurance adviser in your area. If you would like an introduction to one, please reach out to me on darcy.ungaro@nzeverydayinvestor.com.

    ________________________________________________________________

    Special announcement

    Thanks to our friends at Hatch, we have $300 to give away to a lucky member of the NZ Investor Community.

    Important two things you need to do to enter the draw.

    1- To be eligible for this prize draw, Sign up to our newsletter here

    2 - To be eligible for draw, you also need to have a Hatch account - sign up here but don't worry, you don't have to deposit any funds if you don't want to. Tip: Don't enter this draw unless you have a Hatch account.

    More t's and c's:

    Only sign up to newsletter using one email address per person

    If you win, Hatch will credit funds into a valid Hatch account matching your name and email address used to join our newsletter.

    Prize draw to occur on the 19th of December and winner notified by email and via Facebook - If no response received within 24 hours, we'll revert to another back up name

    _________________________________________________________________

    Like what you've heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • What's an asset?Anything that produces an income.

    Financially speaking, you're the net present value of all future income streams that you can create.

    Would it, therefore, make sense to insure your greatest asset?

    Today, we're talking about your health with nib's CEO, Rob Hennin.

    In this episode we cover questions like:

    Why bother with medical insurance when the public health system is so good?Why bother putting our children on health insurance plans when they likely won't use it?Why do my premiums keep going up?

    In addition to having Rob speak on today's session, I've included a bonus 7-step checklist around medical insurance. From the perspective of an insurance adviser, I've prepared this as a general tool to provide a base level of knowledge for anyone, and their family, to listen to to get up to speed on all the important questions to ask.

    Should you wish to find out more about nib, please visit their website here

    Should you desire to be introduced to an insurance adviser in your area, please email me on darcy.ungaro@nzeverydayinvestor.com

    As with every episode, please do not act on any 'guidance' you receive by listening to these podcasts - get your own individual advice based on your personal circumstances before making a decision around medical insurance.

    _________________________________________________________________

    Like what you've heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/

  • "KiwiSaver is the best financial gateway-drug on the market."

    Me

    As a tool to increase financial capability among everyday NZ'ers, KiwiSaver has done great things. But self-employed people have been left behind and that needs to change. Perhaps if this type of investment vehicle had a bit more customization potential it could appeal more to these non-PAYE mavericks? What if there was a DIY, make-your-own KiwiSaver out there?

    Wait...there is!

    Ryan Goldsmith joins me today from Craig's Investment Partners. What I like about Ryan, an authorised financial adviser, is that he's an everyday guy - heck, he used to work at a pub just up the road from me!

    Financial advisers are not always bald, white, drunk and fat - sometimes they're normal people. This is good.

    In this podcast we discuss:

    How to create a KiwiSaver fund that is as unique as you are...a very special snowflake...ahhhwww

    How to invest in gold using KiwiSaver

    The benefits of paying attention to KiwiSaver

    Special message to self-employed people

    As per this episode, if you're not enrolled in KiwiSaver and you're self-employed, you need to deal with this now. Contact Ryan, or someone like Ryan, or check out many of the other options out there to get enrolled with KiwiSaver now.

    _________________________________________________________________

    Like what you've heard?

    You can really help with the success of the NZ Everyday Investor by doing the following:

    1- Tell your friends!

    2- Write a review on Facebook, or your favourite podcast player

    3- Help support the mission of our show on Patreon by contributing here

    4- Search for The Everyday Investor on YouTube

    5- Sign up to our newsletter here

    NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!

    __________________________________________________________________

    Where to find Darcy Ungaro:

    Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz

    Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks

    Instagram: https://www.instagram.com/ungaro.co.nz/