Episódios

  • 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/

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  • 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/

  • The Problem:

    Without dealing with the 'crap' properly, all the admin and complexity associated with being self-employed, independent earners can often be excluded from actually building wealth.

    Just like the invention of the toilet propelled the human race towards bigger and better things, independent earners also need help to deal with their crap if they're going to have a chance to build wealth like their employed counterparts.

    Hatch and Hnry joined forces recently, along with Tom Hartmann from the Commission For Financial Capability to bring today's episode into your ears. I was involved in hosting a panel discussion exploring some of the problems and some of the solutions now available to those problems:

    KiwiSaver: An example.

    If you were an employee aged 30 yrs old on $75k pa, with a $30k balance today, invested in a high growth fund you may end up with $1m at retirement. Almost enough for a Lamborghini right?

    If you were self-employed as above, but contributing 3% on your own with no employer contributions, you'd be about $240k worse off at retirement.

    The current system, which is doing great don't get me wrong, was designed for employees - and with the growing number of contractors working in NZ, there's a growing problem begging for a better solution.

    The Solution?

    The above is actually the best-case scenario as it assumes the self-employed person has KiwiSaver but, in reality, many self-employed people are stuck in a cycle of doing boring admin and can't consistently allocate enough to invest regularly. There stuck dealing with crap, which could one day rob them of their Lambo (or worldwide cruise?) Hnry can assist by allocating a % of each payment towards investments (like KiwiSaver or Hatch). What a great example of NZ innovation coming to the rescue!

    _________________________________________________________________

    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/

  • That's right, perhaps your biggest weakness, is actually you're strength...

    In today's episode, Kristen and Natalie from Hatch Invest,join me to have a discussion about...

    What makes women good at investing?

    How to turn your weakness into a strength

    The importance of finding your tribe.

    Often when the word 'inclusive' and 'diversity' are thrown about, you're mind could easily go towards thinking this is all about just women, but it's not. There are many groups (and many individuals who don't even fit into a group) who currently feel (and are) excluded from the world of investing.

    In any given household, it's not uncommon to find that one party is the dominating influence when it comes to making financial decisions, but that one party is not always the most competent. It's important that there's equal opportunity given to all decisions makers in the family with respect to building wealth. Why? Because often the ones who currently don't play the game are actually going to be pretty good at it when they make a start!

    Hatch Invest is one of NZ's leading online investment platforms that provides an option to buy fractions of US Shares simply and in a cost effective way. Check them out using the following affiliate link and help support the NZ Everyday Investor Podcast.

    _________________________________________________________________

    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/

  • Yes, the Robots are Coming!

    Clive Fernandes joins me on the podcast today to discuss where digital advice is and what the next steps are on the road to truly artificially intelligent financial advice. The digital advice we are talking about today is not just a streamlined user experience via your banks app - we're talking about a source for unbiased, personalised advice, that can help the everyday Kiwi make better financial decisions.

    When we imagine the 'new world', it can often be a mixed bag of excitement and also a bit of fear.

    As two very wise Kiwi philosophers once said...

    "It is the distant future

    The year 2000

    The world is quite different

    Ever since the robotic uprising

    Of the late nineties

    There is no more unhappiness"

    Flight of the Conchords

    Perhaps the 'problems' of the future will no longer exist. Perhaps we won't even care.

    For some of us the change is not going to happen fast enough, for others, if they knew how much the landscape has already changed they would be genuinely surprised. In the world of the robotic uprising to come, the chaos will re-arrange things in (hopefully ) better way, but there could be some disruption along the way. Current market participants and regulators need to get up to speed in order to protect consumers and foster genuine innovation.

    As with all the great technology companies of our age like the FAANG group of companies (Facebook, Amazon, Apple, Netflix and Google), the primary reason why they have been such a fast success is the ability to scale their business models digitally.

    Thinking about the worlds financially 'un-reached', who don't have access to financial services (like even a bank account), which is around 1/3 of our population - digital currencies are leveling the playing fields. Banks no longer own the rights to operate in this space - the FIN in fintech is being replaced by the TECH in techfin. Digital will eventually eat the status quo.

    In New Zealand, there are many providers who make it easy to sign up for KiwiSaver and provide a good level of general information and product advice. That's awesome, but it's kind of one-dimensional.

    Clive is the founder of National Capital, a new firm that has a mission to reach 1 million Kiwi's with high quality financial advice - ultimately this is advice that will help more people to build wealth that will see them through retirement.

    _________________________________________________________________

    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/

  • Kernel, a new digital platform that provides low cost access to investments for everyday Kiwi's.

    Dean Anderson is the founder and CEO of one of the newest online digital investment platforms now available in New Zealand.

    Newsflash! Kernel are doing some roadshows around index investing this November - if you want to learn more about this type of investing, check out https://www.eventbrite.co.nz/o/kernel-26158993071

    Here are some points from this episode worth noting:

    Advice on product or advice on strategy? Reflecting on the rise of digital advice platforms, I'm struck with an emerging paradox: Digital ultimately seeks to mimic the human adviser / human advisers seek to mimic a digital experience. Are these two forces destined to dance around each other in perpetuity, or at some stage, will there be a meaningful merger of machine and human? Human financial advisers potentially still have an edge - Creativity. Trusted and true financial advisers are creative consultants. Digital advice platforms (and Kernel is one of them) that allow for the new breed (yet to truly emerge in my opinion) of financial advisers will succeed, if the integration of human and machine is done thoughtfully and at the right pace from the consumers perspective.

    Keen to invest in New Zealand Commercial property? Direct commercial property investment has its place, but it is rather hungry in the area of equity required to get off the ground. If you're an everyday Kiwi who's looking to gain some exposure to commercial real estate, then Kernel has a fund that tracks the performance of 8 commercial property funds in NZ. Low fees, low initial upfront investment - simple.

    Investing vs trading. I think a lot of investors, especially outside of property, come to the party expecting and exciting, dynamic, and labour-intensive journey. In reality, that's what trading is - high risk, high transaction costs, and inevitably a high likelihood that you'll converge to the average over time regardless. Why bother? Investing is different - it's a long term move in a positive direction, which counter-intuitively does not actually require a lot of work and as a result, shouldn't be that expensive either.

    Check out what Kernel Wealth is all about here: https://kernelwealth.co.nz/.

    _________________________________________________________________

    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/

  • Oh...My...Gold! The ultimate hedge, the best store of value, an ancient currency, or all of the above?

    Rich Elliott and Alisson Oliveira work for a company called MyGold - they're gold dealers.

    Owning physical gold is not something that is normally recommended in the mainstream world. From an educational point of view, you may have done a degree in finance but the merits of owning physical gold are perhaps still a mystery to you - it certainly was for me. This is one of the great mysteries of building wealth. Why are some of the potentially more effective ways to build and store wealth, kept secret from the majority of people?!

    Here are a few thoughts on this episode...

    Is Gold a 'hedge'?

    Life insurance is a hedge. Bad stuff happens, and your family receives a lump sum of cash to offset some of the negative impact associated with loss of life.

    If you had a % of your wealth tied up in gold, would the value of this investment increase to a point where it's effective in offsetting some of the losses held elsewhere? Sort of is the answer here. Significant increases in the value of gold occurred around the major negative economic events of 1929-33, 1969-70, 2001 and more recently this year where we've observed a 20-25% increase already.

    Not everyone agrees that gold can be an effective hedge however, and this article contains a perspective to the contrary. Another slightly controversial take is the #dropgold campaign launched by some rather keen crypto-enthusiasts.

    With what I've learnt over the last 6 months about gold, I'd suggest that gold will indeed shine in the next recession, but not all that shines is in fact gold.

    Financial-ised gold vs Physical gold?

    You can benefit from the price movement of gold and not actually have to physically hold it. If you come from a traditional paradigm where you view the amount of wealth you own in terms of currency (say, USD), holding an ETF in say GLD, may be an option to consider. Craig's Investment Partners have a DIY KiwiSaver option where you can own this ETF in GLD for your KiwiSaver.

    A purist 'gold-bug' however, would always prefer to hold the physical element in their hot little hands (or white gloves). Why? It seems the main reason physical is preferred over the financial, is that if you truly buy into owning gold, chances are you have a higher than average distrust for the current financial system. It makes sense when you think it through - if there was a catastrophe, you'd want to convert your contract to the physical as soon as you can. When you dig a little deeper however you learn that many of these 'paper' assets are in fact derivatives. They work to a point, but in an extreme situation (financial Armageddon) when everyone's running to the vault, there's no gold to be found. (If this area is of interest, search 'gold market manipulation')

    It's really easy to get lost in the weeds with this topic though (and quite fun just quietly) - I do believe however, that if you're into building and storing wealth, this should be one of the foundations to understand first before moving forward much further.

    There's a good book I thoroughly recommend in fact, called 'The Death of Money' by James Rickards. Check out a wee sample of it here, but I'd really recommend this book if you want to understand how central banks work in greater detail and how gold worked(s) in the past/present/future. I'd suggest it's written an a more 'intermediate' level so if that's too technical, check out YouTube for Mike Maloney or Peter Schiff to get started.

    So, how does owning physical gold help you, the everyday investor?

    Based on my current understanding (keep in mind I'm still learning too!), owning physical gold should not really be a means to an end, but it could be an end unto itself.

    Building wealth occurs in the plane of the present financial/monetary system, an interweb of various players operating with varying degrees of information (ie - not a level playing field). Gold and Bitcoin are anathematic to the status quo.

    I love talking about anything that can help the everyday Kiwi build and store wealth. The decentralised (be your own bank) aspect of physical gold and Bitcoin appeal to me as it puts the power in the hand of the investor, not the system.

    It appears to me right now, that 'using' the current system to generate 'fiat' money (currency sponsored by our central bank) is the best way to go. After all, the majority of market participants have faith that currency is money - so while that faith is strong, carry on. Nothing to see here.

    What seems wise to me however, is to translate some level of wealth from fiat currency to physical gold (or Bitcoin!) if possible (that's not advice, that's just me sharing what I'm thinking remember!). My traditional portfolio is the engine, but the receptacle could be physical gold (a more timeless store of wealth).

    _________________________________________________________________

    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/

    Hope you enjoyed this episode - thank you to MyGold for their support in making this episode possible.

  • When aiming for the green, the Benjamin's, alpha, ROI etc., there's so much more you could be achieving.

    Do you care about the environment? Sure, we all do right - how far would you be willing to (beyond purchasing compostable plastic bags?). How much of a premium would you pay in your world in order to protect it for you and kids?

    Do you care about society? How do you feel about the slave-trade, child labour, pay-gaps? What would you be willing to do to play your part in reducing this?

    Do you care about good governance? How much research are you willing to undertaking on a firm on their governance structure before you make an investment?

    It's all fine and dandy to say you care about something - often it's a bit trickier to do something about it, especially when it costs more to do it. Especially when no-one knows you're doing it too!

    Leeanna Kohn-Hardy, founder of Finappster ( a start-up that makes it easy for you to understand how socially responsible your investments are) joins me in the studio for this latest episode.

    _________________________________________________________________

    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/

  • What's the problem? For the self-directed investor, there's a bit of work to do in order to access and manage your investments. Accounts with various banks, potentially a share-trading account, a couple of online platforms perhaps. Different credentials to recall and most annoying, AML/ CFT (compliance / ID checks) process to go through each time.

    What's Invest Now? It's a simple and affordable way to access multiple investment options in one place.

    Mike Heath joins me on a discussion that we had when I went down to Wellington recently, via Christchurch (no, it's not on the way).

    These online investment platforms are popping up everywhere it seems - they all work a little different to each other and they serve a different community of DIY investors out there. I'm learning about them at the moment so hopefully, this is of interest to you also:

    Here are some key 'light-bulb' moments covered in this episode:

    Often people may be afraid to seek financial advice as they believe they're not smart enough to do so. Seems counter-intuitive, but it does make sense. The reason we need advice is that we don't have all the answers, but often pride can act as our own worst enemy here. We hate to admit it when we don't have the answer.The bulk of New Zealanders are un-served by financial advisers - online platforms like Invest Now provide a very inoffensive and un-daunting access point for many who may be afraid to engage in a face to face encounter with a financial adviser. If there's a need and desire to use an adviser, however, the Invest Now platform can actually now accommodate that too.Mainstream media. Often credibility is bestowed upon advertisers - this is crazy but just because a finance firm during the finance company collapse a decade ago advertised in the Herald, doesn't mean the trust placed in them was justified. Mainstream media can be an excellent platform to increase financial literacy - but this doesn't always occur.Whether it's an online investment platform, KiwiSaver, or another investment product you access through an adviser, often a 'custodian' is used. In this episode, Mike covers how platforms, custodians, fund managers and investments all work together.What's an ETF, a mutual fund, or an index fund?Self-employed people often don't have KiwiSaver but they should. Beyond getting the tax credit however, online platforms like Invest Now offer another alternative way to simulate what's in a KiwiSaver fund.

    It's great to see online investment platforms grow in popularity - There will likely be much innovation happening in digital advice and robo-advice space in the coming years. Will financial advisers be made redundant as this trend roles on? No, but I do think the role of an adviser needs to change dramatically. Removing friction is what these platforms do well, but the easier it is to get in, the easier it is to get out of investments also - perhaps the biggest strength is also their biggest weakness - enter the new breed of financial advisers.

    _________________________________________________________________

    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/

  • Co-ops and Kiwi banks - how can a co-operative banking structure create more wealth for the everyday Kiwi.

    David Cunningham, CEO of The Cooperative Bank is on the NZ Everyday Investor today to discuss:

    How do cooperatives work, especially in the banking world?

    The Royal Commission of Inquiry into Banking Misconduct.

    Capital Reserve requirements (what is it and why do banks care)?

    The role technology plays in transforming a relatively 'old school' sector.

    The Co-operative Bank has a few unique points of difference - for example:

    - When you join, you're a shareholder, and you get a share of their profits (directly).

    -Kids, when you open an account for them, earn 4% (not up to 4% under rare circumstances) up to balances of $4k.

    Check out some of their YouTube videos here:

    https://youtu.be/wT9UwD6vOBs - youth savings

    https://youtu.be/aaVYr0376VY – rebates

    https://youtu.be/oR_CWq2K1lM - Fair Rate Credit Card

    _________________________________________________________________

    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

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  • In today's episode I'm catching up with Kristen Lunmen and Natalie Ferguson from Hatch, an easy and affordable online platform that can help you invest in the US Sharemarket.

    There's loads of innovation occuring in this space which is fantastic to see, as it serves a growing community of 'self-directed' DIY investors. This group is not currently being served up any financial advice but as this evolves, I wouldn't be surprised to see digital advice, digital platforms, and digital advisers all uniting as one. Kumbaya!

    So, we’re talking today about a platform which makes it easy and reduces some of the friction associated with investing in the US Sharemarket – traditionally this hasn’t been easy to do.

    If you’re into Tesla, Amazon, or Beyond Meat for example, and you wanted to own a slice of the action, then I’d encourage you to check out Hatch – at the very least, set up an account so you can look at the various companies you could invest in. If you feel you’re not 'smart enough' to play the game of investing but you’re really into a company, an industry, or some sort of trend – hey, growing smarts starts with feeding an interest!

    Some cautions/disclaimers I'd like to state/make/reiterate:

    Investing in anything is risky. Shares are normally at the higher end of the spectrum of risk/reward. If you invest, then you will likely have times where the value of your investment is negative, especially in the short term.Do your own due diligence on any online platform before committing.If you're unsure, research and learn before you part with any of your money.This episode, and this podcast, shouldn't be considered financial advice - this is just education and hopfully a little entertaining!

    So with all these disclaimers said, I'm pretty impressed with how Hatch has evolved over the 10 months now it's been around, and I'm excited about where things could go from here. If investing in the US share market is something you’re keen to explore, Hatch really does have a simple gateway. At the very least you're going to learn a lot!

    Please sign up for free to Hatch here. If you do and you end up depositing some funds in your Hatch account, $20 will go towards the production of this podcast - thank you!

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  • Negative interest rates – Are all our Christmas’s arriving at once, or is this a sign of something more sinister to come? What’s a negative yield curve and why as an investor, should I even care?

    So let’s define a couple things:

    What’s the OCR: Official cash rate? In short, it’s the ‘official’ interest rate set by the RNBZ (Reserve Bank of NZ) to help influence the interest rate, and exchange rate, in an attempt to regulate inflation, and foster stability in employment. When things are going really well in an economy, the OCR increases, and when things aren’t going so well, it decreases. The way that this works is not too simple, but check this out https://www.rbnz.govt.nz/monetary-policy/about-monetary-policy/what-is-the-official-cash-rate. We’ve recently seen a big decrease in the OCR and most economists currently agree, we’re going to see another cut again soon.

    What is the CPI? The consumer price index – well, it’s the measurement the RBNZ looks at when it sets the OCR. If it’s high, that means that inflation is high, and therefore the OCR needs to increase. Currently the CPI is very low at 1.7% at the time of recording – it’s important to note that the CPI measures the price for a* ‘basket of goods’* – there’s a lot of things not included in the basket – the cost of your mortgage for example, is not directly included in the CPI. https://www.stats.govt.nz/indicators/consumers-price-index-cpi

    What’s quantitative easing or QE? Sometimes this is loosely referred to as ‘money printing’ – The US for example, has, since the GFC or global financial crisis of 2008 been printing money big time. Quantitative easing is an unconventional monetary policy in which a central bank purchases government securities or other securities from the market in order to increase the money supply and encourage lending and investment. https://www.investopedia.com/terms/q/quantitative-easing.asp

    What is helicopter money? A Helicopter drop, a term coined by Milton Friedman, refers to a last resort type of monetary stimulus strategy to spur inflation and economic output. Though it would appear to be theoretically feasible, from a practical standpoint, it is considered to be a hypothetical, unconventional monetary policy tool whose implementation is highly improbable. Again, check out this link https://www.investopedia.com/terms/h/helicopter-drop.asp - whilst unconventional and theoretical, I personally wouldn’t be surprised if we see this in our lifetimes.

    What’s an inverted yield curve? An inverted yield curve is an interest rate environment in which long-term debt instruments have a lower yield than short-term debt instruments of the same credit quality. This type of yield curve is the rarest of the three main curve types and is considered to be a predictor of economic recession. https://www.investopedia.com/terms/i/invertedyieldcurve.asp. The yield curve is currently inverted.

    Today we’re going to have a discussion around these things and we’ll be zooming out a little bit and having a look at the wider international scene to discuss how central banks around the world seem to be dancing to the same tune at the moment.

    Often when you hear about topics like this the eyeballs get a bit donut-glazed, but Jeremy makes this pretty easy to understand and I think we covered enough of the basics today to leave no one behind and enough depth to provide some protein for even the more seasoned thinker in this space – I hope you enjoy.

    Thanks for listening in to this episode and thanks again to **Jeremy Couchman **– senior economist at Kiwibank.

  • Steam locomotion - one of the greatest inventions ever, led to the creation of a new type of ownership and governance structure – the limited liability company structure. Technology came first, then governance.

    Where are we with the current financial system? Arguably it's full of great people trying to do the right thing, but the system needs an upgrade. Technology has taken us to a new place where our current structures cannot sustain us in.

    Enter blockchain - it's not the magic pill, but it's one of the tools that could be used to build the financial system of tomorrow. You may need to listen to today's episode more than once – actually, you need to. Yes, we go into a bit of detail, but hopefully you can hang in there.

    In this episode we discuss and ponder the following:

    Why do companies exist now? And do they need to exist tomorrow?When the tech is already there, and it works – what’s the problem? Why aren’t things moving forward?In the ‘new world,’ what’s the role of central banks and states?Programmable money. Speed is a measurement of distance/time. Velocity introduces another element – direction. What if we could bestow on our currency other characteristics?Macro prudential regulation vs micro prudential regulation

    Dave Corbett heads up Centrality Fintech. His job is to help the financial services industry ‘be better’ by using blockchain technology. Current, legacy systems, makes innovation and collaboration difficult, so is there a way to efficiently and effectively manage the handshakes with the incumbent players?

    As everyday investors, the biggest mistake we can make is to assume the future will be full of ‘more of the same.’ *The future will be fundamentally different/transformed *– the faster you can get you’re head around where we’re going, the better equipped you’ll be to grow wealth in the new world.

    Special offer from Centrality:

    If you're into all things blockchain, complete the following survey and receive 3 months free membership to Blakeley.

    What is Blakeley? Blakeley brings independent, data-driven insights to sophisticated cryptoasset investors. We leverage our community of experienced traders and industry insiders to identify actionable strategies and help readers navigate the rapidly-evolving world of blockchain assets.

    Covering everything from macroeconomic analysis of digital assets to the factors that drive successful blockchain ventures and projects, Blakeley’s deep market experience and quantitative tools offer an opportunity to stay ahead of the competition at a critical moment for investors – the emergence of a new global asset class that is based on fundamentals.

  • Jerome Faury from Centrality joins me today and we're discussing some of the characteristics of the new financial world we're heading into. I'm interested in this because to develop wealth (not just manage it), we need to be open to new methods. Current financial media doesn't explore this topic and financial advisers are rushing into endorse this sort of stuff yet (it's confusing as heck let's be honest, and no one's figured out how to make money promoting it either!)

    For some of us the future is pretty far away and we honestly don't care about this sort of thing - 'why bother' and 'why should I care'?

    You should care.

    I suspect we're on the edge of a shift - not just in international equity markets, but a shift when it comes to our personal faith in the current financial system. The alternative, or at least one of the alternative solutions has already been built - Bitcoin. What it's built on is what's of interest in this episode, and in particular, how things work on the blockchain is what matters the most.

    Centralised governments and corporates currently own the image of us - our data - the new oil / gold. Can we trust them? Well yes up to a point, is the short answer, as most of us currently do. Perhaps the question is, should we trust them? To answer this question we need to see how they either resist or adopt the move to more decentralised systems - why? Because decentralisation shifts power from the middle (big corporates and governments) to the edges (you and me).

    If you'd like to reach out to Jerome you can reach him at Centrality or give him a call on 021 Jerome.

    Special offer from Centrality:

    If you're into all things blockchain, complete the following survey and receive 3 months free membership to Blakeley.

    What is Blakeley? Blakeley brings independent, data-driven insights to sophisticated cryptoasset investors. We leverage our community of experienced traders and industry insiders to identify actionable strategies and help readers navigate the rapidly-evolving world of blockchain assets.

    Covering everything from macroeconomic analysis of digital assets to the factors that drive successful blockchain ventures and projects, Blakeley’s deep market experience and quantitative tools offer an opportunity to stay ahead of the competition at a critical moment for investors – the emergence of a new global asset class that is based on fundamentals.

    NZ Everyday Investor Podcast:

    https://www.facebook.com/NZ-Everyday-Investor-338969376637717/

    We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!

    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/

    Help support the mission of our show on Patreon by contributing here: NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! Support the show for as little as $5 per month and get access to exclusive content and free offers!

  • Jerome is Group GM at Centrality + Co-Founder of Centrapay. He’s also been on a number of Boards, either as a non-exec Director or Advisor.

    Previously, Jerome was a founding member of Payment Express, where he helped grow it into one of the largest processors in the Asia-Pacific region, processing more than $40 billion per year across more than 15,000 merchants. He then became Executive General Manager at Orion Health where it reached $1 billion on its IPO listing and in 2014 received Hi-Tech Company of the Year Supreme award.

    Jerome is an interesting character, who's been in difficult and challenging circumstances. This is the first of a two-part recording with Jerome. In this episode you'll hear about how he was left in the desert by his parents, he survived by eating dried noodles and wearing socks on his hands to a point where he sold his Falcon at the airport to buy a ticket back home. That kind of background builds resilience. This and his work experience has set him up supremely well for the difficult and challenging task before him, to usher in a future where value is transferred as easily and efficiently as information... 'Where the possibilities for what we constitute as currency are infinite; where consumers, brands and businesses can engage and transact directly with each other'.

    Here are a couple of points to take home from the episode:

    The internet was the democratization of information. There was one ingredient missed out when the internet was being baked, however - identity.

    Data is the new oil/gold, but it's being controlled by only a handful of companies.

    New Zealand is positioned perfectly to take on the Goliath of the corporates in an attempt to free ourselves from their tyranny. Why, because our values are conducive to innovation using the blockchain tech.

    Regarding the growing gap between the rich and poor, it's not about how to redistribute the wealth, it's about decentralization.

    This isn't your typical episode of the NZ Everyday Investor but hey, what is?

    How to get in contact with Jerome? 021 Jerome

    Special offer from Centrality:

    If you're into all things blockchain, complete the following survey and receive 3 months free membership to Blakeley.

    What is Blakeley? Blakeley brings independent, data-driven insights to sophisticated cryptoasset investors. We leverage our community of experienced traders and industry insiders to identify actionable strategies and help readers navigate the rapidly-evolving world of blockchain assets.

    Covering everything from macroeconomic analysis of digital assets to the factors that drive successful blockchain ventures and projects, Blakeley’s deep market experience and quantitative tools offer an opportunity to stay ahead of the competition at a critical moment for investors – the emergence of a new global asset class that is based on fundamentals.

    NZ Everyday Investor Podcast:

    https://www.facebook.com/NZ-Everyday-Investor-338969376637717/

    We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!

    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/

    Help support the mission of our show on Patreon by contributing here: NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! Support the show for as little as $5 per month and get access to exclusive content and free offers!

  • You wouldn't think it, especially when hob-knobbing with the banking elite (as I don't!), but NZ is growing something pretty cool.

    Our #8 way of thinking and innovating is expressing itself in pretty unique ways - Kiwi's are solving problems using blockchain technology right under our noses, and it's fantastic. Andy Higgs, the GM of a company called Centrality, joins me today. Centrality is one of these firms at the epicentre of innovation - ground zero for web 3.0.

    This month I'm keen to take you on a bit of a journey around blockchain and with this episode, we're covering Bitcoin.

    It's important in the context of wealth development, that some of your wealth is denominated using a currency from the future. Value is evolving and web 3.0 is all about this.

    Mike Novogratz, as mentioned in the podcast, is a great person to follow on Youtube and social media if you're into this sort of thing - check him out presenting recently on something called 'the herd is still coming'.

    If you'd like to learn more about Centrality or to collaborate in some way, get in touch with them here.

    If you do wish to buy Bitcoin or Ethereum, and you have decided to based on your own research that it's a good idea, I recommend using VIMBA . By visiting them and signing up using this link, VIMBA will make a small payment to Darcy Ungaro (at no extra cost to you).

    Special offer from Centrality:

    If you're into all things blockchain, complete the following survey and receive 3 months free membership to Blakeley.

    What is Blakeley? Blakeley brings independent, data-driven insights to sophisticated cryptoasset investors. We leverage our community of experienced traders and industry insiders to identify actionable strategies and help readers navigate the rapidly-evolving world of blockchain assets.

    Covering everything from macroeconomic analysis of digital assets to the factors that drive successful blockchain ventures and projects, Blakeley’s deep market experience and quantitative tools offer an opportunity to stay ahead of the competition at a critical moment for investors – the emergence of a new global asset class that is based on fundamentals.

    NZ Everyday Investor Podcast:

    https://www.facebook.com/NZ-Everyday-Investor-338969376637717/

    We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!

    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/

    Help support the mission of our show on Patreon by contributing here: NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! Support the show for as little as $5 per month and get access to exclusive content and free offers!

  • Sam Blackmore, CEO and co-founder of Vimba (MyCryptoSaver)gives a unique insight into a technology that will change the world!

    Sam's not a nut-job - but he's an advocate for a technology that has the power to change the world - Blockchain.

    Blockchain had a baby called Bitcoin, right after the Global Financial Crisis in 2007 - it mysteriously came on the scene from a person calling himself 'Satoshi Nakamoto'. Bitcoin is likely the most famous of a group of crypto-currencies that have been birthed amid growing distrust in the current global financial system. Many believe that crypto-currency can change the world by enabling people to freely move value directly between each other without having a third party (including a government). Can it really change the world though?

    You could focus on the hype, and the fact that if you purchased a bitcoin ages ago you'd be driving a Lambo today, but Sam prefers to focus on the tech. Being a software engineer by trade he first became involved with Bitcoin in 2012 and is also an avid Linux user and Open Source Software advocate. He founded MyCryptoSaver (then called MyBitcoinSaver) in 2014. He previously co-founded a successful web development company with over 10 staff and before that he built a weather forecasting startup that he sold.

    Darcy Ungaro interviewed Sam Blackmore on Bitcoin specifically - this recording was done about 12 months ago and interestingly, the value of Bitcoin has indeed increased significantly even on what we predicted on this episode.

    Darcy Ungaro and NZ Everyday Investor in no way are recommending you purchase Bitcoin, but please do your research in this area and if you proceed, only invest as much as you are prepared to lose. If you feel like you're ready to get involved with Bitcoin click here - by signing up you will also be financially supporting the NZ Everyday Investor in a small way.

    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/

    NZ Everyday Investor Podcast:

    https://www.facebook.com/NZ-Everyday-Investor-338969376637717/

    https://NZEverydayInvestor.com

    We're keeping it real on NZ Everyday investor - we're not journalists and this isn't an interview - it's a discussion. If you like what we do, remember to subscribe to our show and share it with others - we'd really appreciate it! You know what else would be really swell? Write a review on facebook too!

  • Psycho... or logical? How to choose your adventure when it comes to investing.

    Ruling out emotions or only bringing your rational mind to the table with making investment decisions, is a bit like shopping for a partner based on a list of requirements. It works great in theory until you find the one ‘that’s meant to be’. Investing is about bringing all of who you are to the markets – ignore who you are emotionally at your peril.

    Today we’re covering the exciting area of psychology and investing with guest Mike Taylor of Pie Funds.

    Here is a list of definitions to make sure you’re up to speed with what’s being discussed in this two-part recording:

    Note that most of these definitions can be found on Investopedia.com, a great online resource to break down the jargon:

    Fundamental analysis: Fundamental analysis is a method of measuring a security's intrinsic value by examining related economic and financial factors. From macroeconomic factors such as the state of the economy and industry conditions to microeconomic factors like the effectiveness of the company's management. The goal here is for the investor to have a tool to assess whether a company is over or undervalued.

    Technical analysis: Technical analysis is a trading discipline employed to evaluate investments and identify trading opportunities by analyzing statistical trends gathered from trading activity, such as price movement and volume. It’s all about looking at patterns of price movements, trading signals and various other analytical charting tools to evaluate a security's strength or weakness.

    Bull market: A bull market is the condition of a financial market or a group of securities in which prices are rising or are expected to rise. The term "bull market" is most often used to refer to the stock market but can be applied to anything that’s traded, such as bonds, real estate, currencies and commodities. The term "bull market" is typically reserved for extended periods in which a large portion of security prices are rising. Bull markets tend to last for months or even years. Check out this link to an article that talks about the last 12 bull runs in the stock market - the current bull market in which we are in has lasted almost 124 months – this is the longest in history!

    Bear market: A bear market is a condition in which securities prices fall 20% or more from recent highs amid widespread pessimism and negative investor sentiment. Typically, bear markets are associated with declines in an overall market or index, but individual securities or commodities can be considered to be in a bear market if they experience a drop of 20% or more over a sustained time period - typically two months or more.

    Share buybacks: A buyback, also known as a share repurchase, is when a company buys its own outstanding shares to reduce the number of shares available on the open market. Companies buy back shares for a number of reasons, such as to increase the value of remaining shares available by reducing the supply or to prevent other shareholders from taking a controlling stake. This is a good one that we’re only briefly touching on today but will no doubt explore more this year.

    Melt-up : A melt-up is a dramatic and unexpected improvement in the investment performance of an asset class, driven partly by a stampede of investors who don't want to miss out on its rise, rather than by fundamental improvements in the economy. Gains that a melt-up create are considered to be unreliable indications of the direction the market is ultimately headed. Melt ups often precede melt-downs.

    Now two parts of mind we should really talk about at this stage also (according to Google)…

    The prefrontal cortex (PFC) is the cerebral cortex covering the front part of the frontal lobe. This brain region has been implicated in planning complex cognitive behaviour, personality expression, decision making, and moderating social behaviour.

    The amygdala (Latin, corpus amygdaloideum) is an almond-shape set of neurons located deep in the brain's medial temporal lobe. This part of the brain plays a key role in the processing of emotions. The amygdala forms part of the limbic system.

    It’s Important to understand how your psychological state affects your investment decisions. The rule we should have to ‘Never go shopping on an empty stomach’ applies when investing: ‘Never invest using your primal gut instincts alone’. Fear can often be more motivating as it’s drawing on our primal mind, and its origin is instinct rather than well thought out strategy using rational thought.

    Other key points to finish up on:

    -The herd is to be respected – being a contrarian and betting against the trend can pay off big time, but it can also lead to pretty big losses: The trend is your friend.

    Just because the parties getting out of control, doesn’t mean you can’t stay a little longer, just stay dancing as close to the exit as you can.You don’t have to subscribe to just one paradigm. For example, passive vs active, fundamental vs technical – there’s a time and place for everything with investing. For eg, if you looked at the fundamentals too much, you’d miss out on a lot of the action we’ve seen over the last two years.Confirmation bias - seeking out info that supports your underlying belief system. This can also play out in our paradigms of understanding financial markets. Interest rate direction used to be a predictor of asset markets - this has clearly changed with the extension of the longest bull run in history.

    Other Links to check out:

    Check out Mike Taylors ‘origin story’ here. you’d like to hear more of his ‘origin story’, check out episode 25 – it’s a good listen.

    Fear and greed index link CNN

    Book: Fear, Greed & Panic: The Psychology of the Stock Market. This is the book that Mike mentioned by David B. Cohen .

    If you’d like to learn more about Pie Funds or check out Juno Kiwisaver, visit https://www.piefunds.co.nz/

    NZ Everyday Investor Podcast:

    https://www.facebook.com/NZ-Everyday-Investor-338969376637717/

    We’re keeping it real on NZ Everyday investor – we’re not journalists and this isn’t an interview – it’s a discussion, hosted by someone who’s genuinely into this sort of thing. If you like what we do, remember to subscribe to our show and share it with others – we’d really appreciate it! Do you know what else would make us rather pleased with ourselves? Write a review on facebook too!

    Where to find Darcy Ungaro:

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

    Sing up to our Newsletter here: https://ungaro.co.nz/services/

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

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

    Help support the mission of our show on Patreon by contributing here: NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! Support the show for as little as $5 per month and get access to exclusive content and free offers!