NZ Everyday Investor
The NZ Everyday Investor! A podcast designed for the the everyday person, who's keen to build new wealth in the new world using existing, and new tools to get the job done. We select guests for our show who have a genuine story to tell - not just industry experts but people who have made great financial moves, some on purpose and some totally by accident! We hope you enjoy the show.
Episodes
Passive retirement income sounds like the holy grail, right? Imagine the money quietly rolling in while your capital sits there untouched – perfect!
Yet when you dig into how this is usually sold to retirees and pre‑retirees, it often turns into something very different: concentrated bets, misunderstood risk, and portfolio structures that look “safe” on the surface but are fragile underneath. Read more.
Watch the YouTube Version here...
In this one I'm a sharing recent episode from the Token Affairs podcast, the official BlockchainNZ podcast, hosted by Trevor and Bryan – two guys right at the intersection of industry, regulation, and innovation in the digital‑asset world. We're asking the question, do digital assets (bitcoin specifically) belong in a 'normal' investment portfolio?
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Lucia Xiao is a self-made investor and property coach. After moving here from China she started off in a state home but went on to build a $17m portfolio over 5 years, all while quitting her day job and building a business. This is her story of hard work and how she used a strategy to build wealth with property that not many experts promote.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
With property, you either take the bull by the horns, or you get out of the ring before you’re carried out. In today’s episode, I’m joined by Nick Gentle from iFind Property to talk about why, heading into 2026, that balance between courage and self‑preservation matters more than ever for everyday investors.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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Thank You
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THANK YOU FOR YOUR ATTENTION IN 2025!
In 2026, three geopolitical hotspots matter most for Kiwis watching the world: Venezuela and US renewed /Monroe Doctrine in the Americas, Russia’s grinding war in Ukraine, and China’s expanding reach across the Pacific. Reuben Steff, geopolitical analyst and regular guest on the show, joins me to unpack what these flashpoints really mean. As great‑power rivalry hardens...
Today's a unique episode and for those who love a good story, this one's for you.
The failure of First National Bank of Lindsay as more than a small, local bank collapse and instead as a window into a broader pattern of organised crime, regulatory failure, and moral decay centred on the I‑35 drug and human‑trafficking corridor and illegal Chinese‑linked marijuana operations in Oklahoma.
Special thanks to Jack Gamble.
Book in a free 15...
Woo-hoo! Just realised it's episode 500!
Pretty sure it's tradition to celebrate with silver, so in this one, I take a closer look at this precious metal and ask the question, is it for saving, speculation, or watching from the sidelines?
Hatch: For US markets.
Sharesies: For local, and international markets.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Everyday, banks and governments justify new rules, checks, and blocks in the name of preventing fraud, money‑laundering, terrorism, and scams. It's a reasonable objective: stop bad actors and protect vulnerable people. It's just that, at some point, the line between protecting customers and controlling customers, can quietly disappear.
Special thank you to John Alcock.
Book in a free 15-min phone call with Darcy Ungaro (financial adv...
Not a week goes buy where I don’t hear of the difficulties associated with buying digital assets like Bitcoin, from regulated institutions – all in the name of safety, they gate keep, ticket clip, dilute, surveil, ration, throttle, censor, inflate, tax, sequester, audit, and potentially even confiscate wealth that belongs to the people. Read more.
Special thank you to Swyftx: With over 1 million customers across New Zealand and Aust...
Steve Orenstein is the founder of LOCATE Technologies, a publicly listed company that's relocating to NZ.
This episode is a fascinating case study around how NZ can be good at some things, and occasionally wins, despite the odds!
Please remember that all types of investing carry some degree of uncertainty. Always do your own due diligence before taking action on anything discussed in this episodes.
Are we paying too much tax? "Yes", said all the people paying the vast majority of taxes in NZ. "No", said everyone else.
Whether we think it's fair, or it's theft, Kiwi's ought to prepare now for a future where higher rates of taxation are inevitable.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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Thank You
Swyftx: With over 1 million customers across New Zealand a...
Rick Rule, the most hated contrarian precious metals and resources expert talks to me on this one about 3 very odd ingredients in my own portfolio. We talk about gold, and how it'll play a role in everyday money, the silver price paradox, and first-time topic, uranium!
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Vanessa Williams from realestate.co.nz shares a little about her own property journey, then comments on the shift currently happening in the property market.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why res...
Are you tax-compliant with your crypto-holdings? Over 70% of Kiwi's aren't. I'm talking with Tim Doyle, of Doyle Accountants.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all ...
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all over New Zealand are switching to myRent.
Provincia: Whether you're looking to invest, or you have a commercial property that ...
The Official Cash Rate (OCR), which influences the floating mortgage rate, and short term fixed-rates, dropped last week. Everyone has a view around what SHOULD happen, but no one's talking about what WILL happen. Read more.
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Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself...
Watch YouTube version here.
Diversification, or placing your money in more than one type of investment, needs to be applied more broadly. Spreading your bets across the US, rest of world, emerging markets, and Australasia is fine start, but the jobs not done here. If all these investments are denominated in dollars, then you still have a huge concentration problem. Read more.
Book in a free 15-min phone call with Darcy Ungaro ...
Ex-Financial Adviser Tony Walker joins me on this one.
Here's 4 things you’ll need to keep front of mind if you’re planning to, or you already are, handling your retirement. 1 – Learn how to identify the best, short term investment strategy 2 – Keep it simple 3 – Use your mortgage for the win, and lastly 4 – Stay laser-eyed on real returns. Read more.
Subscribe to UGRO For Your Wealth on YouTube, for property and personal finance fro...
Special thanks to Zac Townsend from Meanwhile, for joining me to unpack how life insurance works, when the money changes.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
MyRent: See why residential property investors all ov...
In 2021, the combination of spiking interest rates, differential tax treatment, new RBNZ regulations, and the CCCFA, put and end to the residential property party. Although some of the sting's been taken out, many property investors are formulating a plan to exit, once any sign of life returns to the market. Where will they go?
Provincia: Whether you're looking to invest, or you have a commercial property that needs better manageme...
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