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
It’s a dwelling, but it’s an asset class too - People buy property to live in it, and to grow their wealth in it. Since the early 1970’s, property values have doubled roughly every 7-10 years in many Western countries, including here in NZ. But sitting here in 2025, after watching at least 3 years of falling prices, it’s natural to wonder if the party’s over. Maybe whatever caused prices to rise for over 50 years really is startin...
New Zealand was one of the first economies where the central bank hiked interest rates.
Being first, I wonder if that means other countries watch us to see how sensitive economies are to monetary policy? Read more
Special thank you to Mary Jo Vergara - senior economist at Kiwibank.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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Thank You Provincia: Whether you're lo...
the art of investing is balancing growth and protection, for both you and your kids. Read more.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz&nb...
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
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The Bitcoin Adviser: Plan for intergener...
I believe the core ingredient in any wealth building strategy is the acquisition of just a few assets. As we acquire assets, we need to start thinking more, not less, about all the things that rob us, and no, not just fees. Read more.
Catch the full Michael Saylor talk here
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Thank You Provincia: Whether you're looking to...
Recently, I attended a conference which centered on what I suspect will be the future of money in a more digital world. One of the best presentations I sat through was from author (of a book called 'Broken Money') and macro-analyst Lyn Alden - 'Nothing stops this train'. The current form of money we use (fiat currency) is tethered to a leveraged system with no easy way to deleverage. Ironically, the strategy we can use as household...
Has New Zealand lost its way? If so, the only path forward is to honestly acknowledge what we once were, understand how and why we’ve changed, and then chart a course for the future we want. It’s a tough question, no doubt, but like any hard problem, there’s a reward waiting on the other side. I’m joined today by Mike Grimshaw, a self-confessed ‘intellectual mongrel’ and Associate Professor of Sociology at the University of Canterb...
In a perfect world, housing would be for lifestyle, and investments for long term planning - regardless, we live in an imperfect world. The real question becomes - what's your response to it? Jump in for number go up? If so, now's looking really, really good. *Just keep a lazy eye some of the bigger changes a foot. Read more here.
Check out the work of Ashley Church here.
Book in a free 15-min phone call with Darcy Ungaro (finan...
From neoliberal globalization to neo-mercantilism – This is happening, and it might not be a simple transition. Why? Because the digital transformation of money is occurring at the exact same time.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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Sign up to Easy Crypto: To buy and sell digital assets. Take the free, 5-part online course Crypto 101: Crypto with ...
For everyday people struggling to get ahead in a system that feels rigged, the path to financial security does not in fact, come from getting the degree, working hard, and trying to be liked. That’s the old world. In the new world, to build new wealth, we have to quest for objective truth. Really? Sounds a bit full on.
Check out Cody Ellingham on the Transformation of Value Podcast.
Book in a free 15-min phone call with Da...
Decades of punchdrunk capital gains now yield to occasional night terrors of leaky taps and flooded basements. Sure, it’s most likely the cyclical blues preceding a full scale recovery in the residential space, but part of this is vibe shift. So if commercial property 'just makes more sense', what's the playbook?
Joining me to discuss is Jack Revill and Carl Burling from Provincia, an unlisted property fund for wholesale investors.
The price per ounce of gold hit $3,500 recently – up over 30% now this year alone. Why is gold pumping so hard? Read more. Andy Schectman is the CEO and co-founder of Miles Franklin (Gold dealers).
Mortgage Master Strategy 2025: Fix, Float, or Flex?
Bring your questions and get the straight facts on how long to fix your mortgage in a year shaped by Trump’s tariffs and global uncertainty. Now’s the time to get clarity on the smartest ...
Show me where in the wallet the salesman touched you.
These three groups have the ability to influence your wealth significantly, but they all hold secrets: Financial advisers, product manufacturers, and regulators.
At an organisational, and individual level, incentives abound in each of these three groups. Incentives which may or may not be aligned with yours.
Special thanks to Jeff Royle and David Hart for having this conve...
Trump tariffs are not the only thing going on in the world right now, and the fact that it’s occupying the imagination of a lot of people globally right now, is a reason pay attention. I think we have to make all decision carefully right now – around changing, or staying the course, especially. Read more
Rupert Carlyon is the MD of koura KiwiSaver.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sounds a bit woo-woo saying it, but this is my strategy. It’s why I doubled down on leveraged residential property in 2015, Bitcoin in 2017, and gold in 2019. I’ve mostly always ignored the price during these times and exclusively focused on the macro-narratives. Read more.
YouTube version for charts.
Gary Savage is an expert gold analyst and author of the Smart Money Tracker newsletter: https://www.smar...
Fees, taxes, and inflation—nothing robs your investment account more than this evil threesome. With fees, if you’re not getting value, you can move your money wherever you like, but there’s diminishing returns the further you go. With taxes, there are ways to legally reduce this obligation...Read more.
Thank you very much to Lawrence Lepard - check out his book 'The Big Print.'
Book in a free 15-min phone call with Darcy Ungaro (fina...
Early-stage investing is putting money into new companies with big ideas but not a lot of history. If they make it, even a small investment can yield significant returns. The best part of these returns, however, is that it has nothing to do with global trends but the company’s ability to solve a problem and generate revenue. Read more
Robbie Paul is the CEO of Icehouse Ventures.
Book in a free 15-min phone call with Darcy U...
Tom Deacon is a senior investment analyst at Mint Asset Management, who focuses on stock research for New Zealand and Australian-listed companies in the healthcare and technology sectors. Read more
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi star...
Check out YouTube version here, or read an article about this chat here.
Michael Reddell is a former senior official at the Reserve Bank of New Zealand (RBNZ). He was Head of Financial Markets from 2000 to 2003 – he was an economic adviser to the central banks of Papua New Guinea and Zambia and served on the Board of the International Monetary Fund – although being semi-retired he writes regularly on central bank issues an...
Recent research shows the average New Zealander spends about $3k per month in retirement, on top of government superannuation.
The question we should consider here, is, where is it going to come from?
From a house sale? From investment returns? Inheritance?
What about, from your investment strategy.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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