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NZ Everyday Investor

Podcasts NZ / WorldPodcasts.com / Darcy Ungaro

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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.
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The recent drop in the official cash rate (OCR) by 0.25% has sparked a flurry of speculation about the future of the property market. Those hanging on for dear life are desperate for good news and recency bias is at work here - many believe lower interest rates signal a return to the boom times. However high on hopium property hodlers are, reality …
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It’s not about the tools; it’s about the person using them. You’re the tool. What’s the point of obsessing over the best investments if you can’t handle it when things go wrong? Read more. Reach out to Hayden Brown. Sign up to the newsletter! ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to…
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As usual, there are only two types of people in the world. 1 – Those who blindly trust governments and most centralised systems: They find it easy to overlook the flaws in currency manipulated by interest rates and new supply injections from a centralised authorities, like government and central banks. 2 – The ‘weirdos’ who ‘think differently’: The…
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I've observed many different drivers for wealth: some are running from poverty, others are driven by greed, seeking comfort, or fulfilling a purpose. "Some dance to remember, some dance to forget." The reasons we think the way we do, and the lives we end up living, can be a bit of a mystery. But the reality that our headspace affects our world isn'…
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The New Zealand government invests through the NZ Super Fund to ensure it can maintain Superannuation payments over the long term. By using a growth style fund consisting of 80% growth assets, and 20% income assets, they aim to grow a pot of money as large as they can to assist with the governments future obligations. Despite debates about eligibil…
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Today I’m talking with Scott O’Neill and Dylan Menzies from Rethink Investing. Direct commercial property isn’t a common asset type in many everyday investors portfolio, but for a few reasons as we covered today, I think perhaps it will be in the future. Learn more Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on thi…
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When you're trading money for investments, there are many factors that determine the level of resource you'll be able to draw out. The value of your currency right now, and later on, is one of the biggies. Today, I have Roger Kerr from Barrington Treasury with me to discuss some current events that provide a handy launchpad for deeper understanding…
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For some, consistent investing through a retirement fund or buying shares directly is easy. For many more, there's a bit of work involved in mustering up the motivation to start. As someone who hasn't likely taken a straight path there, I'm fairly confident that anyone can invest, and most investment tools will get the job done. What separates thos…
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YouTube version: https://youtu.be/Od8a-7dgat4 Do your own research, but if you're ready to go with crypto, help support the podcast by using the following affiliate link to sign up with Easy Crypto Bitcoin, often seen as digital gold, is primarily meant for holding and storing digital value. The Bitcoin ETF’s success stems from this principle, maki…
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Check out the article referred to in this episode. In this short one I want to talk about why you should consider a purpose-based investment strategy right now, rather than just a goal-based investment strategy. My strong, and growing belief, is that the type of change we’re seeing in the world right now, presents an equal opportunity for loss, and…
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There comes a time in our lives where we decide that it's 'now or never'. If we're going to ensure we have ourselves set up well for the future, it's time to make a bold, and unconventional move... Like starting a bank in New Zealand, where the barriers to entry are exceedingly high [and for what reason?] Shane Marsh is my guest today, and he's the…
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When it comes to retirement, or 'transitionment' if you prefer, KiwiSaver can be a core ingredient, but many of us treat it as a bit on the side. It's important to consider the most common pitfalls that can undermine your efforts and leave you short at your retirement . In a new world now more expensive than what you originally though, you need to …
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Grid Share's unique approach helps balance the power grid by allowing their data centers to switch on and off quickly, thus supporting the stability and efficiency of renewable energy sources like wind and solar. https://www.gridshare.co/ Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. ____________________…
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Sign up to the newsletter! John Alcock has a Masters of Science specializing in evolutionary biology, and he's a staunch libertarian with politics and law in his background. Today he's bringing a perspective much needed by the everyday investor. Read more here Watch YouTube version here ______________________ Take The Home Buyers Blueprint: Get a b…
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Today it’s about the pipes of the current financial system. In the future, various forms of value will stream at the speed of light. Today though, our investments move more like fluids, through valves and holding tanks – checks and balances and policies and procedures keep us safe, with the help of supervisors, regulators, custodians and trustees. …
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A mere half-century ago, a commute that now takes minutes could consume an entire day. Just as rails would have accelerated our pace of life relative to the horse-and-buggy, emerging digital infrastructure promises to get more of our dollars, working at a faster speed. You've heard this in relation to fees, but I feel the conversation needs to go d…
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Already, the central bank influences the interest rates we pay, the amount of deposit we need, and soon, through debt-to-income ratios (DTIs), the amount of income required to become eligible to borrow money. Read More ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionai…
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One of the places Aussies and New Zealanders find support during tough times, is with financial advisers. It's critical that we continue to make accessible, affordable, and trustworthy financial advice available. According to research in New Zealand and Australia, financial advice builds wealth, and improves mental health. Check out full article he…
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If you’re prepping for, building up, coming in for a landing, or even already there, you’re welcome to eavesdrop on these conversations. Sometimes you'll dig it, and other times you won't. Take what you need and leave the rest behind - read more here. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Paul Qu…
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While I’m hoping that a new type of money will fix the world, I still learn how to play the game by the current rules, because one thing keeps me up at night more than anything else: in the future, the ‘already haves’ get more, and what little those left behind currently have, get’s taken away. I want to be on the first team, and I want to make sur…
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It's not so much the band getting back together, it's about money and business nerds nerding out on property, bitcoin, and the problem with the broken money. Lukey Kemeys and Mikey Smith, the force behind The Keep The Change Podcast recently invited me along to have a chat. Hey did you know I often write an article for each of these episodes? It's …
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YouTube Version Check out Smart Money Tracker by Gary Savage. The more I learn about how people actually build wealth, the more cautiously I prescribe diversification. We’re sold index funds, but businesses and property are often what really move the needle. Read more ______________________ Take The Home Buyers Blueprint: Get a better home; Get a b…
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Find out about our financial strategy sessions I want you to imagine a black box – Imagine wrapping up some of your time, and some of your money and just chucking it in that box. We believe that by doing so, we’ll get out more than what we put in. Our labour and/or our capital, perhaps a bit of both. Das Kapital, or Wealth of Nations? Read more. __…
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Would you like to learn more about how we can offer personal mortgage rate advice? Get in touch here: Book a free 15-min chat Chasing the Joneses In this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between, if you're bal…
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In today's show, you'll learn how the future could be more than a little good. That's right, all that cray cray crazy in the world is actually a good sign. Clive Thompson is a retired private banker and wealth manager of 47 years, based in Switzerland. None of this is financial advice, but I do hope it gets you thinking! Sign up to the newsletter! …
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