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NZ Everyday Investor

Podcasts NZ / WorldPodcasts.com / Darcy Ungaro

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The NZ Everyday Investor! A podcast designed for the the everyday person, who's keen to build new wealth in the new world using existing, and new tools to get the job done. We select guests for our show who have a genuine story to tell - not just industry experts but people who have made great financial moves, some on purpose and some totally by accident! We hope you enjoy the show.
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I believe the core ingredient in any wealth building strategy is the acquisition of just a few assets. As we acquire assets, we need to start thinking more, not less, about all the things that rob us, and no, not just fees. Catch the full Michael Saylor talk here Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the…
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Recently, I attended a conference which centered on what I suspect will be the future of money in a more digital world. One of the best presentations I sat through was from author (of a book called 'Broken Money') and macro-analyst Lyn Alden - 'Nothing stops this train'. The current form of money we use (fiat currency) is tethered to a leveraged sy…
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Has New Zealand lost its way? If so, the only path forward is to honestly acknowledge what we once were, understand how and why we’ve changed, and then chart a course for the future we want. It’s a tough question, no doubt, but like any hard problem, there’s a reward waiting on the other side. I’m joined today by Mike Grimshaw, a self-confessed ‘in…
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In a perfect world, housing would be for lifestyle, and investments for long term planning - regardless, we live in an imperfect world. The real question becomes - what's your response to it? Jump in for number go up? If so, now's looking really, really good. *Just keep a lazy eye some of the bigger changes a foot. Read more here. Check out the wor…
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From neoliberal globalization to neo-mercantilism – This is happening, and it might not be a simple transition. Why? Because the digital transformation of money is occurring at the exact same time. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Sign up to Easy Crypto: To buy and sell d…
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For everyday people struggling to get ahead in a system that feels rigged, the path to financial security does not in fact, come from getting the degree, working hard, and trying to be liked. That’s the old world. In the new world, to build new wealth, we have to quest for objective truth. Really? Sounds a bit full on. Check out Cody Ellingham on t…
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Decades of punchdrunk capital gains now yield to occasional night terrors of leaky taps and flooded basements. Sure, it’s most likely the cyclical blues preceding a full scale recovery in the residential space, but part of this is vibe shift. So if commercial property 'just makes more sense', what's the playbook? Joining me to discuss is Jack Revil…
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The price per ounce of gold hit $3,500 recently – up over 30% now this year alone. Why is gold pumping so hard? Read more. Andy Schectman is the CEO and co-founder of Miles Franklin (Gold dealers). Mortgage Master Strategy 2025: Fix, Float, or Flex? Bring your questions and get the straight facts on how long to fix your mortgage in a year shaped by…
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Show me where in the wallet the salesman touched you. These three groups have the ability to influence your wealth significantly, but they all hold secrets: Financial advisers, product manufacturers, and regulators. At an organisational, and individual level, incentives abound in each of these three groups. Incentives which may or may not be aligne…
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Trump tariffs are not the only thing going on in the world right now, and the fact that it’s occupying the imagination of a lot of people globally right now, is a reason pay attention. I think we have to make all decision carefully right now – around changing, or staying the course, especially. Read more Rupert Carlyon is the MD of koura KiwiSaver.…
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Sounds a bit woo-woo saying it, but this is my strategy. It’s why I doubled down on leveraged residential property in 2015, Bitcoin in 2017, and gold in 2019. I’ve mostly always ignored the price during these times and exclusively focused on the macro-narratives. Read more. YouTube version for charts. Gary Savage is an expert gold analyst and autho…
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Fees, taxes, and inflation—nothing robs your investment account more than this evil threesome. With fees, if you’re not getting value, you can move your money wherever you like, but there’s diminishing returns the further you go. With taxes, there are ways to legally reduce this obligation...Read more. Thank you very much to Lawrence Lepard - check…
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Early-stage investing is putting money into new companies with big ideas but not a lot of history. If they make it, even a small investment can yield significant returns. The best part of these returns, however, is that it has nothing to do with global trends but the company’s ability to solve a problem and generate revenue. Read more Robbie Paul i…
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Tom Deacon is a senior investment analyst at Mint Asset Management, who focuses on stock research for New Zealand and Australian-listed companies in the healthcare and technology sectors. Read more YouTube Version Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Brought to you in partner…
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Check out YouTube version here, or read an article about this chat here. Michael Reddell is a former senior official at the Reserve Bank of New Zealand (RBNZ). He was Head of Financial Markets from 2000 to 2003 – he was an economic adviser to the central banks of Papua New Guinea and Zambia and served on the Board of the International Monetary Fund…
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Recent research shows the average New Zealander spends about $3k per month in retirement, on top of government superannuation. The question we should consider here, is, where is it going to come from? From a house sale? From investment returns? Inheritance? What about, from your investment strategy. Book in a free 15-min phone call with Darcy Ungar…
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No one wants to be blamed if you lose money. The backside-covering of risk ‘disclosures’ shifts the focus to side effects rather than the cure, ironically nudging some investors to treat investing like a game of chance instead of a disciplined, long-term pursuit. Read more. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sig…
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Rowan Simpson has been, and continues to be instrumental in the success of several high-growth technology businesses in NZ, including Trade Me, Xero, and Vend. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital…
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Special thanks to Dr. Simon Collins, Brandon Bucher, and Rob Clarkson. They are all co-founders of Web3NZ's 2024 Startup of the Year Lightning Pay NZ. They're working to disrupt, or even destroy, traditional payments, and I'm curious as to how that's going to work. Read more. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). S…
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In WW2 we discovered if you control the world, you get to control the money. In 1971 we learnt that that as long as the majority had a fear of violence, that was a good enough anchor for money, and gold wasn’t required. In 2008 we discovered the kind of bubbles fiat thinking like that could create – but we kept going. In 2020, a critical majority s…
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Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. Affiliate Links*! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Sharesies:…
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According to some research known as the Williams Group Study, 3,250 families were observed over 25 years: 70% of family wealth was lost by the second generation and 90% by the third generation. Read more Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! New Wealth Foundations: Personal fi…
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Maintaining a healthy relationship with money requires ongoing self-reflection and 'adjustment'. Put another way, wealth isn't found in the accumulation of money, it's found in our growing influence. Money puts action into our intentions. Read more Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly ne…
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When you're trading your time for money, concentrating your investments can make sense. But come retirement, diversification helps manage the risk of losing what you've already built. Concentration can lead to big wins or big losses - but sometimes, it's more luck than skill at play. Read more. Book in a free 15-min phone call with Darcy Ungaro (fi…
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Special thank you to Rajat Soni - if you like his style, be sure to check out @rajatsonifinance on YouTube. Having an allocation to Bitcoin, or at least gold is really important. This isn’t about picking the next big thing, it’s about accumulating wealth outside of a system which is programmatically in decline. So, this all brings me to today’s gue…
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