It's No Secret

Today we're back with another Money Moments episode, where we chat to real Kiwis about money. 

We’re back with our friend Jervis, for an update on what’s happening in his financial world, since recording an initial Money Moments ~2 years ago. 

When we spoke to Jervis last, he lived and worked in a digital marketing agency in Auckland. We spoke about several things on the podcast, ranging from how he initially got in and out of personal debt to his 30/30/30/10 budgeting approach and how his life pillars drive his happiness (incl. one finance pillar). 

Jervis is now a digital nomad who is living in Malaysia. Stopping in NZ for a quick visit, we thought we’d steal an hour of his time to hear an update on how things are doing.

In this episode, we chat about:

• What it was like working, moving and living in Singapore for work
• The costs associated with moving overseas and how much he spent
• How his values have changed over time, learning from work and travel
• Why he's tweaked a few of his spending and investing habits

...and plenty more goodness! 

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 special podcast episode, we'll be answering many different questions that we often get in the DM's from the gram as well as a few Kernel customer questions.  

Specifically we'll be answering questions such as:

• What are the factors to consider when creating a joint account with your partner
• Should you convert all of your investments into cash when you hit 65
• Things to consider if you're concerned about job loss in the near future
• How to move your Super Annuation from Australia to New Zealand

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

Looking to achieve your 2024 New Year resolutions?  Then this podcast episode is for you!

We are almost in February the time New Year goals typically start to drop off. While creating audacious goals is easy,  achieving them can take much longer. In this episode, we talk about a few different factors to consider when creating a new goal and how you can make them more achievable.

Specifically, we chat about:

• Why it's important to set specific goals
• The mental impact of achieving or failing a goal 
• What a well-structured goal actually looks like
• A few tips for setting clear and achievable financial goals

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 money. 

Today on the podcast, we are joined by Jamie Jermain, Co-Founder & CEO at SquareOne, NZ’s first account and card built for the next generation. 

Jamie has worked in the payment space for over 20 years, including at the likes of Visa, Mastercard, Lloyds Bank and The Warehouse Group.

Originally from London, he moved to New Zealand in 2010 and now lives in Auckland with his wife and 3 kids, who were the inspiration to build and launch SquareOne.

In this episode, Jamie shares about: 

• Why money was a taboo topic for him growing up 
• Using credit cards to fund a mortgage 
• How working in finance has shaped his approach to money (or didn't!) 
• How he tackled moving countries, financially 
• The challenges, triumphs and learnings of founding and growing a company
• His experience funding a start-up - from bootstrapping to raising capital initially, to raising additional funds
• Key advice given in the early stages of SquareOne - hiring, governance, ESOP allocations and more
• How he has needed to grow as a leader by starting a company 

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, we're chatting about when the "right time" is to sell your investments if they're in the red (hint: there is no "right time"). 

Do you hold on and hope that it recovers its value, or do you cut your losses now and recoup what's left? We dig into this and more. 

Specifically, we discuss: 

• Why does your investment portfolio balance move in the first place? 
• Biases when investing; anchoring & the status quo bias 
• Can you expect linear investment returns?
• Questions to ask yourself when weighing up the decision to sell or not - plus a worked example with Christine's shares

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

Aaaand we're back with another Money Moments episode featuring Caitlyn Parker.

Caitlyn is a Customer Success Manager, a Wellingtonian (at heart) and most importantly, a great friend. With over a decade of experience in the financial services and start-up space, Caitlyn has helped thousands of customers through their investing and savings journey. 

In this episode, Caitlyn shares:

• Her relationship with money and how that has evolved throughout her life
• How love languages can affect your spending behaviours e.g, spending your time vs spending money on gifts
• Why her other love language is discussing money with her friends and family
• What made her leave high school early and how she wound up in customer support
• How 'adulting' led to Caitlyn's consumer debt and how she paid it off using balance transfers
• What her first home-buying journey was like and the emotions of owning and managing a home

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 where you can put your spare cash. 

From the Official Cash Rate (OCR) rising and halting to the changes in the rate of inflation,  a lot has happened this year in the world of money.  So we thought that we'd check in on how a few of our favourite asset classes are doing.

Specifically, we chatted about:

• What the current landscape is across savings products and property and share markets
• The pros and cons of each asset class and what this can mean for you during this time
• A reminder of how each asset class can fit in with your lifestyle and goals

Check out the resources mentioned during the episode: 

• The latest interest rates mentioned: Interest.co.nz
• S&P 500, NZX 50 and Global 100 returns: S&P Dow Jones Indices

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 another *potentially* spicy topic - politics! Well, not politics as in strong opinions. Instead, we'll be focusing more on the policies of the newly formed government.

Since Christopher Luxon was newly sworn in, there has been a lot of media coverage surrounding the recently released 100-day action plan. So we want to discuss a few highlights from the action plan of the policies that can impact us financially.

Specifically, we chat about:

• What is a 100-day action plan
• The policies that can impact your income/job security such as the fair pay agreement legislation
• Who in particular we can expect to be affected by the action plan and the new government policies
• How the new government is tackling the cost of living 
• Our humble take on the pros and cons of each proposed policy

Check out the resources mentioned during the episode: 

•  Government Confirms Its 100-Day Action Plan:  RNZ
• The Coalition’s 100-day Plan and What it Means for the Health of New Zealanders: The Spinoff

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 a very spicy topic, which is why your home is for living in and not for growing wealth.

This statement is one that came from a certain Instagram post from the Guardian sharing that ‘Australian housing wealth is meaningless, destructive and fundamentally changing our society:”

Cat jumped on the IG stories, and had a great response to this from her followers, so here we are. Ready to discuss.

Specifically, we chat about:

• The data about the Australian housing market and how it's changed over three generations
• What the possible implications are if you were to solely build your wealth through property
• Why property wealth is heavily skewed towards families who own properties already
• The arguments as to why our society should start considering other investments outside of property 

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

It's that time of the year – wedding season is in full swing!

Whether you're riding the high of a recent engagement, knee-deep in your wedding planning, or know someone about to get married, we're here with some golden tips to elevate your wedding experience.

Specifically, we chat about:

• A sneak peek into Cat's wedding planning journey – what she thought vs. what went down. Spoiler: a wedding planner was the MVP.
• How to weigh up the cost of a wedding against other big-ticket items like a house, a dream vacay.
• The average wedding costs in NZ and Aus – spoiler: it's not pocket change. We're talking venues, photographer paparazzi, celebrant VIPs, and more.
• Tips for reducing the cost of a wedding by minimizing vendors getting married on peak or off-peak season 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