It's No Secret

This week, we dive into investing during uncertain and volatile market conditions. 

With recent economic shifts driven by new policies and tariffs, many investors are feeling the pressure to take some sort of action. Join us as we chat about timeless tips to remember during turbulent times.

Specifically, we chat about:

• What's currently happening in the markets which are causing people to worry
• Why uncertainty creates volatility, especially in the sharemarkets
• How investing to fit your risk profile can lead to better outcomes
• What you can do to reframe market volatility as an opportunity 

And much more!

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

In today's Money Moments episode, we're joined by our very own Joni from the Customer Success team. In this episode, Joni shares his experience with money, in particular:

• What his relationship with money was like growing up in Indonesia, US, and NZ
• How he paid off his student debt with the help of his friends
• What his personal finance journey was like and how it has changed over time
• The impact of the COVID lockdown and on his personal finances
• How he would spend his money differently had he known what he knows now 

And much more! 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

In this episode we're diving into a topic that hits home for many—practical money tips for those in their 20s and 30s.

This stage of life is often packed with big decisions about finances, careers, and relationships, which can sometimes feel overwhelming. That’s why we’re here to simplify the process and share the insights we wish we had known earlier. Remember, everyone’s journey is different, and it’s okay to move at your own pace.

Here’s what we cover in this episode:

• Why setting up an emergency fund is crucial and how to figure out how much you might need.
• The importance of stepping back to understand your cash flow and spending habits.
• How your relationships and personal values shape the way you interact with money.
• Tips for reframing your goals to create a clearer vision of what you want in life.
• Where KiwiSaver fits into the bigger picture of financial planning.

Tune in now to learn more!

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

In this episode, we are joined by Aaron, our Portfolio Analyst, to explain fund units and how they work. 

We cover important topics like swing pricing and the effects of distributions, helping both new and experienced investors understand these concepts better. Tune in to learn how fund units work!

Specifically, we chat about:

• What are units in a fund, and how are they different from company shares?
• How is the unit price set, and why is end-of-day valuation important?
• Why does the unit price on the Kernel platform sometimes look outdated?
• How do distributions affect unit prices, and what does that mean for you?
• Should you wait for a lower unit price, or is dollar cost averaging a better approach?
• How does order timing relate to unit pricing in different time zones?

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

In today's episode, Cat sits down with Dean Anderson, Founder and CE of Kernel, to chat about what the lowering of the Official Cash Rate (OCR) can mean for you. 

Disclaimer: This episode was recorded on 13 Feb and this episode is set to go live on the 19 February the day when the RBNZ is reviewing the OCR.

Whether you're borrowing, saving, or investing, this conversation gives you an overview of what you may want to consider doing with your money in the lower interest rate environment.

Specifically, we chat about:

• What is the RBNZ Suspected to Do Today with the OCR and Why?
• General Consensus on How the OCR Will Change Over Time
• How This Affects You: Borrowing, Saving, or Investing

And much more! 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

In today's Money Moments, we're joined by Rebekah, Head of Human Resources in Citta. In this episode, Rebekah shares her experience with money, in particular:

• How she bought her first home without a partner
• What her relationship with money was like growing up
• How she started her electrolysis business 
• Her views on money and how it has changed throughout time
• The importance of detaching your self-worth from your net worth

And much more! 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

In this episode, we have podcast director, Tim , in the hot seat alongside Kernel Founder and CE, Dean Anderson to explore why New Zealand has such a strong dividend culture, and whether chasing dividend yields is the best strategy for long-term wealth building. 

With NZ companies paying out 82.5% of post-tax income as dividends (compared to the global average of 47.6%), we'll examine if this high-yield approach helps or hinders investors.

Key Questions Discussed:

• Why are dividends so popular in New Zealand?
• Do high dividend payouts limit company growth?
• What's better: reinvesting dividends or taking cash?
• How do imputation credits affect dividend investing?
• Is dividend investing the best way to generate passive income?

Plus much more! Tune in now for more

Here's the research mentioned in the podcast: Should Companies Pay High Dividends?

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

In today's episode, we're joined by Joni from our Customer Success team to tackle two common investment questions we frequently receive.

From understanding dividend payments to managing multiple investment platforms, we'll help clarify these important aspects of investing.

In particular, we chat about:

• What's the difference between distributions and dividends?
• When does Kernel pay distributions?
• Should you reinvest your dividends or take cash?
• Is it better to consolidate investments onto one platform?
• What are the pros and cons of platform consolidation?
• What features should you consider when choosing a platform?

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

Are Kiwis missing out by being savers rather than investors? In this episode, we explore whether our national tendency toward saving is helping or hurting our financial futures. 

With rising living costs and ambitious retirement goals, we'll see if saving alone is enough to get us there.

Key Questions Discussed:

• Can you reach retirement goals through saving alone?
• What's the real difference between saving and investing?
• What role should cash play in your investing strategy?
• When should you save vs invest?
• How can you start investing confidently?
• What's the right balance between saving and investing?

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

Today, we’re back with a Money Moments episode - this time with Stanley Henry, Founder & CEO at The Attention Seeker, a global organic content agency.

Stanley left his role as a GM after realizing that true freedom wasn't possible working under someone else's rules. So, he and his wife moved back to New Zealand to build something of their own.

With no clear plan, Stanley began building his personal brand on LinkedIn, meeting five strangers six days a week and attending countless networking events for six months.

When the world went into lockdown, people started asking for his help with LinkedIn, and that small demand snowballed into a full-scale agency.

Fast forward to today, Stanley leads a team of 34, has amassed hundreds of thousands of followers, and drives a multi-million-dollar business with reach across multiple countries.

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz