It's No Secret

In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from the Kernel inbox.

This time, we'll be answering questions such as:

• What is compounding?
• Should I regularly invest, or save then invest money in one lump sum?
• What happens if you take money out before the quarterly distributions are made?

Do you have a burning money question you want answered? Let us know in the DM's we'd love to hear from you

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 about how people's differing money situations can affect friendships and ultimately behaviour.

At some point, you’ve probably experienced a difference in wealth (or perceived wealth) between you and your friends. But should you let this difference in lifestyle affect your behaviour? Let’s discuss.

Specifically, we chat about:

• Why there will always be differences in wealth between your friend groups
• How your definition of wealth and priorities changes over time
• What drives the feeling of competitiveness
• How people tend to talk less about money as they get older
• What you can do to stop comparing yourself to others

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 Sarah Kelsey, host of the personal finance & development podcast, the OneUp project.

Sarah started her podcast over 4 years ago and has grown her listenership to over [345,000] with Kiwis from all over NZ tuning into her tips on how to get the most out of your money and, ultimately, life.

We have lots to talk about in today’s ep, let’s get stuck in.

Specifically, we chat about:

• How much money Sarah has stashed away for a rainy day - a.k.a emergency fund
• What she's doing to leverage the connections that she's made through the podcast 
• How she manages her money using 9 of her bank accounts
• What's her big 'a-ha' moment was when it comes to approaching & viewing money
• Why slowing down has helped her recollect and focus more on what she values
• What's next for her career and where she wants to go

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 about whether or not the Kiwi dream of owning a bach is all that is cracked up to be.

Many Kiwis often dream about having a bach to use as an escape during their extended breaks. But what if we told you that you may be better off putting that money towards boujee yearly holidays instead? 

In this podcast episode, we chat about:

• The pros and cons of a bach
• The average price of a bach across different holiday destinations and how much you could be paying
• Why renting out your bach or relying on capital gains may not give you the outcome you want
• How premium your holiday could be if that money is instead put towards yearly holidays

References:

• Infometrics Housing Price Data
• Lighthouse Financial Case Study

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 honour of our favourite time of the year - aka tax time - we thought we’d answer a few commonly asked questions.

Specifically, we answer:

• How important is tax when investing?
• Are NZ shares taxed differently from global shares?
• What benefit does investing through a trust give me, if at all?
• What the heck is the FIF tax regime?

Got a burning money question that you want answered? Slide into our DM’s and we’ll answer them on the pod!

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

Wondering how you can set up your children for financial success in the future? Then this podcast episode is for you!

In this episode, we are joined by Co-Founder of SquareOne, Jovan Pavlicevic.

Jovan has a background in starting businesses and wears many hats at SquareOne - from strategic capital raising to designing the customer and employee experience.

With a background in starting businesses, he has always loved finding novel ways to fix broken things. This time, with how we can empower kids, and everyday Kiwis, to be better with money.

In this podcast episode, we chat about:

• What is SquareOne and how can it help children to be better with money
• Some practical tips in money management for kids
• When the 'right' time is to start teaching your children about money
• Why it’s important to upskill your financial knowledge so you can help your kids be better with money

Learn more about SquareOne here.

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 revisiting the ever-important rainy day funds; more commonly known as emergency funds! 

While emergencies are rare, it is important to have money set aside for some peace of mind. So if you're looking for some inspiration on where to get started with your emergency fund, this episode is for you!

In this podcast episode, we chat about:

• When and how you should use your emergency fund - spoiler it's not for last-minute dresses.
• How much you should set aside for your emergency fund and what factors to consider?
• The different places where you can invest your emergency funds while keeping it accessible
• How credit cards and insurance can play into how you handle your emergency spending. 

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 Chanel Clark, marketing extraordinaire and North Shore local. Chanel has recently transitioned from being a full-time employee to starting and running her own business AND is also looking to move overseas in the near future. 

So we have lots to talk about in today’s ep, let’s get stuck in. 

Specifically, we chat about:

• What her relationship with money was like growing up
• Why she ended up with a ~100k student loan
• Her experience navigating  her way through the marketing industry and rebounding from redundancies
• How she tripled her salary by doubling down on her marketing skills and starting a business
• What's next for her career and where she wants to go

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 Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from Kernel.

This time, we'll be answering questions such as:

• How to invest a lump sum of money across different scenarios
• Are you better off having a nanny for your child or sending them to daycare?
• How to invest while also starting a family
• What are bonds and should I invest in them?

Do you have a burning money question you want answered? Let us know in the DM's we'd love to hear from you

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 talking about love and its costs. The cost of love sounds like it has a ‘negative connotation’ it doesn’t necessarily need to be that way. 

The reality is that costs can come with getting into, being in and/or ending a relationship with someone. So this Valentine's Day, we thought we'd do a special episode talking all about the money topics that you may face while on your relationship journey. 

In this podcast episode, we chat about:

• Why money compatibility is *super* important in a relationship
• A few things to consider when you're thinking of sharing your finances with your partner
• The different love languages that you may fall into and how that can affect your spending habits
• Some tips, tricks and conversation starters to get you thinking about how you can bring up the money chat with your partner or soon-to-be

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