It's time in the market not timing the market. We've all heard that in a theoretical sense but what about in reality? How do we mitigate the fluctuations in the market to achieve our objectives?

I was robbed six times over the course of two weeks. Not something you expect but something that happens many times over here in New Zealand.
The biggest consideration in this realisation is preparing for the best and worst-case scenarios. Not because I want you to have a morbid view of the world but more that I want you to be in a position where you do well durings times of growth and contraction.
You also like many New Zealanders, may have the majority of your wealth tied up in lifestyle assets like your family home.
Where, if everything doesn’t go to plan and you don’t have the house insurance, you could end up in a very tough financial position.
So, to help mitigate against this I share everything you need to know about home and content insurance in this episode.

What is the real concern for investment markets?

When I only had $20 to my name, three days of food and a two-person tent I wrote down a dream.
I want to build a business centred around helping people achieve emotional success.
At the time, it seemed like a far-fetched idea.
Who would listen to a 23-year-old about success?
I know now that was my insecurities talking because it’s more about reps than it is about age.
Whoever has completed the most thoughtful repetitions wins.
The part that held me back was my ability to communicate and a crippling fear of talking to people.
So, I thought what better place to start than commission-only selling and management for one of the world leaders in face to face marketing where I had no choice but to face my fears?
An immensely valuable experience that taught me a lot about myself and life.
That combined with my unhealthy obsession with people and psychology helped me with a useful skill set that I want to share with you now.
I don’t have all the answers but what I do have is a framework for facing the uncertainties of life.

Many of you would have heard of the Reserve Bank of New Zealand but what do they even do and why are they letting inflation get so out of hand?

I have had countless conversations with people on the verge of suicide where if they hadn't reached out they might not be here. I know someone listening right now has those very same thoughts. I just want you to know that you're not alone, that someone out there cares about you and if you just gave someone the opportunity to try understand your pain then they might be the very reason you're still here. So, anyone listening to this that's considering taking their own life, or know someone that is thinking about it, then this ones for you.

Since July 1998 a floating rate mortgage has averaged 7% with a 2 year fixed rate mortgage being 6.5%. Best case scenario a growth fund provides an after tax return of 6%. Meaning even after the low interest rate environment rate we're experiencing now mortgage rates have outpaced the benefit of investing.

With so many options out there it can be hard to distinguish between a good KiwiSaver fund and a great KiwiSaver fund. Many will have you believe it's just about fees and returns but they couldn't be further from the truth.

Let me explain

The whole financial system is about to collapse and there's nothing we can do about it. At least that's what the newspapers would have you believe. They are right though, just for the wrong reasons. The markets have a natural flow, like seasons, except winter comes each decade instead of each year. Sometimes the seasons are longer but for the most part humans get so enraptured by greed it's usually just a matter of time. I share this with you not to scare you but to show that diversification isn't just important it's essential.