This episode was initially supposed to be part of our election coverage, but the DDoS attack on the NZX this week has meant that part 2 about the referendum will be moved to next week.

With Auckland back at Covid Alert Level 3 as well as the election looming; Ruan runs us through what all of this will likely mean for whoever takes the top job in New Zealand politics later in the year.

Ruan breaks down one of the most over-used pieces of financial advice and how it should actually be used correctly. Spoiler Alert: he'll be talking about "paying yourself first" and when it is a good idea to start using it as a mindset for your own budget. We just wanted to have some fun with the title.

In this episode Ruan explores Mutual funds (OEICs in the UK) and how they can help diversify your portfolio and at what cost. Also included are questions you should be asking your potential fund manager to make sure they're right for you. Make sure you do your own research and seek independent advice where appropriate. This podcast is for information purposes only. Stay healthy and happy out there everyone!

In this very special episode Ruan tells us a tale of his "friend" Tim who decided to invest in a very volatile market at a volatile time. This tale of woe illustrates some mistakes that could have easily be avoided. Please have a look at https://sorted.org.nz/tools/investor-kickstarter to get a better idea of your risk tolerance. * Those of you wondering FIN stands for Faster Identification Number. As always please don't mistake this cautionary tale as investment advice. Always seek independent advice and don't be a Tim!

Let's have a look at one of the most important tools for analysing the market and the investment options that it opens up.

Ruan gives is a rundown on ETFs or Exchange Traded Funds. What they are, how to use them and of course what risks they come with.