For some, consistent investing through a retirement fund or buying shares directly is easy. For many more, there's a bit of work involved in mustering up the motivation to start. As someone who hasn't likely taken a straight path there, I'm fairly confident that anyone can invest, and most investment tools will get the job done. What separates those who play with tools from those who actually build, is looking at the plans. It's the strategy that makes everyday investors succeed. Read more.

Special thanks to Brian Henry, from Always Ethical KiwiSaver

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YouTube version: https://youtu.be/Od8a-7dgat4

Do your own research, but if you're ready to go with crypto, help support the podcast by using the following affiliate link to sign up with Easy Crypto

Bitcoin, often seen as digital gold, is primarily meant for holding and storing digital value. The Bitcoin ETF’s success stems from this principle, making it easier for traditional investors to access and hold Bitcoin through a familiar financial product. Ethereum, on the other hand, is more than just a digital asset; it’s a technology platform that supports various applications, including smart contracts and decentralized finance (DeFi). I think this is an important distinction when considering the potential success of the Ethereum ETF. Read more.

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Check out the article referred to in this episode.

In this short one I want to talk about why you should consider a purpose-based investment strategy right now, rather than just a goal-based investment strategy. My strong, and growing belief, is that the type of change we’re seeing in the world right now, presents an equal opportunity for loss, and gain. How to get on the right side of what’s coming, and in fact is already here, is determined by what kind of approach we take – a goals-based, or purpose based approach. Read more and check out the article here.

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Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

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Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

There comes a time in our lives where we decide that it's 'now or never'. If we're going to ensure we have ourselves set up well for the future, it's time to make a bold, and unconventional move...

Like starting a bank in New Zealand, where the barriers to entry are exceedingly high [and for what reason?]

Shane Marsh is my guest today, and he's the co-founder of digital bank, Dosh.

Check out YouTube version

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Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.

Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.

Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.

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Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

When it comes to retirement, or 'transitionment' if you prefer, KiwiSaver can be a core ingredient, but many of us treat it as a bit on the side. It's important to consider the most common pitfalls that can undermine your efforts and leave you short at your retirement . In a new world now more expensive than what you originally though, you need to get this one right. Read More

Book in a free, 45 minute KiwiSaver chat with me today.

Ben Brinkerhoff is the head of advice with Consilium*.

*The information contained in this recording is intended to be of a general nature. It does not take into account the objectives, financial situation or needs of any particular person, and does not constitute financial advice. Consilium NZ Limited is the issuer of the KiwiWRAP KiwiSaver Scheme. For more information on KiwiWRAP KiwiSaver Scheme including a copy of the Product Disclosure Statement,visit us at www.kiwiwrap.co.nz.

______________________

Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.

Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.

Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

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www.ungaro.co.nz

________________________

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I may receive a financial benefit if you click on these links.

Hatch

Sharesies

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Sharesight: (Get 5 months free)

CMC Markets

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Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Grid Share's unique approach helps balance the power grid by allowing their data centers to switch on and off quickly, thus supporting the stability and efficiency of renewable energy sources like wind and solar. https://www.gridshare.co/

Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.

______________________

Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.

Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

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________________________

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I may receive a financial benefit if you click on these links.

Hatch

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John Alcock has a Masters of Science specializing in evolutionary biology, and he's a staunch libertarian with politics and law in his background. Today he's bringing a perspective much needed by the everyday investor. Read more here

Watch YouTube version here

______________________

Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.

Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.

Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

Get Social

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Darcy Ungaro

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www.ungaro.co.nz

________________________

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I may receive a financial benefit if you click on these links.

Hatch

Sharesies

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Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Today it’s about the pipes of the current financial system. In the future, various forms of value will stream at the speed of light. Today though, our investments move more like fluids, through valves and holding tanks – checks and balances and policies and procedures keep us safe, with the help of supervisors, regulators, custodians and trustees.

Can you trust the system not to lose your money when you invest?  Can the government or a dodgy KiwiSaver provider steel your money? Read more

David Callanan is my guest today and he’s the General Manager of Corporate Trustee Services at Public Trust.

______________________

Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.

Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.

Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

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________________________

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I may receive a financial benefit if you click on these links.

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Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

A mere half-century ago, a commute that now takes minutes could consume an entire day. Just as rails would have accelerated our pace of life relative to the horse-and-buggy, emerging digital infrastructure promises to get more of our dollars, working at a faster speed. You've heard this in relation to fees, but I feel the conversation needs to go deeper, and consider the legacy institutions that can now be made redundant. Read more.

Ryan Johnson-Hunt is the CEO and co-founder of DSG.

______________________

Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.

Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.

Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

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Darcy Ungaro

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www.ungaro.co.nz

________________________

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I may receive a financial benefit if you click on these links.

Hatch

Sharesies

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CMC Markets

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Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

Already, the central bank influences the interest rates we pay, the amount of deposit we need, and soon, through debt-to-income ratios (DTIs), the amount of income required to become eligible to borrow money. Read More

______________________

Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.

Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.

Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

Get Social

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Darcy Ungaro

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Twitter: @UngaroDarcy

www.ungaro.co.nz

________________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

Hatch

Sharesies

Easy Crypto

Sharesight: (Get 5 months free)

CMC Markets

Revolut: Sign up, and get a $15 credit.

Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!