It's No Secret

In this episode of Money Moments, Christine catches up with Dean Anderson, the founder and CE of Kernel.

It’s been two years since Dean last appeared on the podcast, so we thought it was the perfect time for him to update us on both his professional journey and personal milestones.

In this episode, we discuss:

• The toughest and most rewarding aspects of running Kernel
• Significant personal and financial changes Dean has experienced in the last two years
• What drove Dean’s decision to re-enter the property market
• The importance of maintaining an emergency fund and having health insurance
• Dean’s long-term vision for Kernel and what’s next after reaching $1 billion in assets under management

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 dive into some of the costs of university education and weigh the pros and cons to help you make an informed decision. 

Please note: that this episode is not about convincing you one way or another but to chat about the factors that might sway your choice from a financial standpoint.

In this episode, we cover:

• What our university experience was like
• A rough ballpark of the cost of obtaining a bachelor's and a postgraduate degree, including living expenses.
• The pros and cons of going to university vs not
• If employers are actively looking for degrees when deciding who to hire

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 Q&A - where we answer questions submitted by you, the lovely listeners of the pod.

In this episode, we answer these two questions:

• Should I borrow money to invest in a business? 
• I have $5,000 left on my student loan should I pay it off?

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

The last week (5-9th August 2024) has been a volatile time in international sharemarkets. As investors, it can be easy to read dramatic news headlines about and react to them, so we wanted to take the chance to chat through specifically what happened in the sharemarkets, and what this means for you as the everyday investor. 

To share insights and provide further context, Christine is joined on the podcast by Rhea Prasad, Portfolio Manager at Kernel. 

More specifically, we chat about: 

• Why the Japanese stock exchange dropped 12% in one day
• The impact of this drop on the wider sharemarkets, e.g. the S&P 500 Index
• What market volatility is 
• Key investing reminders in times of volatility 

Please note: This podcast is not to be taken as financial advice. Past performance is not an indicator of future performance.

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

This month is Money Month in New Zealand, an annual campaign by Sorted (Retirement Commission) to raise awareness about money, and help Kiwis improve their finances.

Knowing where to start with your money can often be the trickiest part, so today's episode covers 5 simple actions you can take this Money Month to improve your financial situation - from taking stock of where you're at right now, creating disposable income to understanding your KiwiSaver balance better.

Tune in now to hear the full chat - money tips and lots of tangents from Cat & Christine.

Links & resources mentioned in the episode: 

• Sorted's Money Month webinar links: https://sorted.org.nz/money-month-webinar-registration?__hstc=8481002.d90e5b09e7f2fa70e3f63bbdf1a087cf.1722383733774.1722383733774.1722461516927.2&__hssc=8481002.1.1722461516927&__hsfp=1475616501
• Sorted's KiwiSaver guide: https://sorted.org.nz/guides/kiwisaver/kiwisaver-which-fund-suits/
• MoneyHub net-worth stats: https://www.moneyhub.co.nz/average-new-zealand-net-worth-by-age.html
• Ramit Sethi's conscious spending plan: https://www.iwillteachyoutoberich.com/conscious-spending-basics/

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 podcast episode, we’ll be chatting with you about the key drivers behind people choosing their investment style. 

The active vs passive investing strategies have been hotly debated for a long time. But how do you convince someone that one is 'better' than the other without just spitting out facts? More importantly, what are the underlying factors for choosing one over the other? Tune in to find out!

Specifically, we chat about:

• How you can convince someone to use index funds without using numbers
• What made us switch to an index fund and why we've chosen this strategy
• Why an average market return is really above average when it comes to investing
• What is it that connects with you that makes you decide one style over the other

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 another Money Moments episode, where we chat to real Kiwis about their experience with money.

In this episode, we're joined by loyal podcast listener, Elise Dalrymple-Keast, who went from working 6 part-time social media jobs during university to building a digital marketing agency with a team of 7 and generating millions of dollars in revenue for clients — all in 4 short years. Today, we get to hear about her journey with money. 

Specifically, we chat about: 

• Key money moments in her early life such as saving up to buy a puppy at 10 years old!
• The percentage of income that she saves and invests 
• How she became a property investor how she started her marketing agency in her early twenties
• Why she loves spending money on her health and prioritises it

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

Feeling guilty about your spending habits? In this episode, we uncover the psychology behind money guilt and offer practical tips to manage it. But what do we mean when we talk about money guilt?

Money Coach Marnita Oppermann defines money guilt as “dealing with feelings of remorse, shame, or anxiety because of financial decisions or circumstances.” She says these emotional responses are often triggered by impulsive spending and financial mistakes such as poor investment choices or being in debt.

Tune in now to hear the full chat.

In this episode, we explore:

•  What drives the feeling of guilt when spending money?
•  The impact of past experiences and formed beliefs.
•  How ignorance of our values and comparison to others can lead to misaligned spending.
•  The role of poor planning and living beyond our means.
•  Empathy for others and the desire to help those with less.

Plus plenty 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

Today we’re going to run through a few money tips to help get you through tough financial times.

It’s a challenging time out there right now for many people; interest rates have risen and remained high, therefore those who own homes are particularly struggling to cover the cost of their mortgage.

Further, the cost of living is generally very high, so we thought we would shed light on a few things you could do to increase your income either, decrease your expenses or take advantage of free stuff.

Specifically, we chat about:

• How you can decrease your expenses by cutting out non-essential items.
• What you can do to make your mortgage more affordable
• Some tips and tricks from our friends from MoneyHub
• A few ways to free up more cash and how you may be eligible for unclaimed money from the IRD

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 diving into the employment landscape. Whether you’re actively job hunting or just keeping an eye out, this episode has something for everyone.

To help answer all our burning questions and provide an update on the current employment market, we're joined by Minta Holton, NZ Director at HOME Recruitment.

HOME Recruitment specializes in transitioning Kiwi talent back home to NZ, and Minta brings a wealth of experience from both the London and NZ markets, focusing on Corporate Functions, Head Office, and Operational roles across various industries.

We’ll be tapping into Minta’s insights to get a comprehensive understanding of what’s happening out there.

In this episode, we discuss:

• A detailed market update and what trends Minta is seeing.
• How the economic environment is impacting job availability and stability.
• Tips for those actively seeking new roles and advice for those just keeping an eye on the market.
• The differences between the London and NZ recruitment landscapes.
• Key strategies for standing out in a competitive job market.

Join us for a deep dive into the employment scene, filled with valuable insights and practical advice to help you navigate your career journey. 

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