Land – Owning a slice of the action
Yes, it’s property investment, but not as you know it! Increasingly, there are new options now where everyday Kiwi’s can partake of the benefits of property investment without directly holding it.
We’re moving, quickly, into a world where access to traditional assets is under pressure. Those that have, continue to accrue. Those who don’t have, are left further behind. Contained in this problem however, is a significant opportunity. Can (should) government help? Will complaining do anything? I doubt it. Here’s what I do know though – private enterprise is rising to the challenge yet again to address the gap between the ‘haves’ and the ‘have nots’.
Owning property directly will become more challenging in the new world. When you understand the role of a fund manager and custodial service however, you can begin to see how property fractionalisation could be the cure to multiple challenges at once. The PLPF is yet another manifestation of financial innovation occurring from established players in the market.
Di Papadopoulos from Booster joins me in the studio today. We’re discussing the following:
1 – What’s PLPF?
2 – What does Booster do?
3 – How do fund managers view financial advisers?
4 – Kids and money
5 – Investing in New Zealand
Go here to learn more about the PLPF, including what it stands for.
Check out the blog on kids $50 challenge here
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Special announcement
Thanks to our friends at Hatch, we have $300 to give away to a lucky member of the NZ Investor Community.
Important two things you need to do to enter the draw.
1- To be eligible for this prize draw, Sign up to our newsletter here
2 – To be eligible for draw, you also need to have a Hatch account – sign up here but don’t worry, you don’t have to deposit any funds if you don’t want to. Tip: Don’t enter this draw unless you have a Hatch account.
More t’s and c’s:
Only sign up to newsletter using one email address per person
If you win, Hatch will credit funds into a valid Hatch account matching your name and email address used to join our newsletter.
Prize draw to occur on the 19th of December and winner notified by email and via Facebook – If no response received within 24 hours, we’ll revert to another back up name
_________________________________________________________________
Like what you’ve heard?
You can really help with the success of the NZ Everyday Investor by doing the following:
1- Tell your friends!
2- Write a review on Facebook, or your favourite podcast player
3- Help support the mission of our show on Patreon by contributing here
4- Search for The Everyday Investor on YouTube
5- Sign up to our newsletter here
NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
__________________________________________________________________
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
The Best of 2019 – On The Tee Golf NZ Podcast 16
Tiger wins The Masters, Rory Mcllroy is named Player of the Year and more. Hosts Brendan and Tom look back on one of the most enthralling years in professional golf around the world and in New Zealand where 2019 produced an increase in club membership for both senior and junior players. What’s in store for 2020? Listen in to find out!
Listen now:
Young ACT President on connecting with younger voters and free speech on campus
In this episode of Politics in Full Sentences, we speak with new Young ACT President Felix Poole and ACT Leader David Seymour. How is ACT connecting with younger voters? And is free speech on campus under threat?
Listen now, or Subscribe free:
ACT New Zealand
Politics in Full Sentences – Podcasts NZ
School of Practical Politics
Your Greatest Asset / Jane Doe
Continuing on from the previous episode, we’re discussing your biggest asset – Your SELF!
If you’re happy to pay a fund manager a fee to manage a portfolio of assets that grow in value, why not spend money protecting your most valuable asset?
Jane Doe is talking with me in the studio about how fortunate she is. She’s not lucky, she’s fortunate – she made a rational choice when the options were presented to her, and now even though things didn’t go according to plan, she still has a choice.
In this episode you will hear about:
- How does insurance actually work when you need it?
- What types of personal insurance cover you for getting cancer?
- Should you talk with an insurance adviser or can you just as easily do the job online?
- Should I wait until I’m older to get insurance, or sort it out now?
If you would like to learn more about what was covered today and would like further information, I’d like to encourage you to reach out to a qualified insurance adviser in your area. If you would like an introduction to one, please reach out to me on darcy.ungaro@nzeverydayinvestor.com.
________________________________________________________________
Special announcement
Thanks to our friends at Hatch, we have $300 to give away to a lucky member of the NZ Investor Community.
Important two things you need to do to enter the draw.
1- To be eligible for this prize draw, Sign up to our newsletter here
2 – To be eligible for draw, you also need to have a Hatch account – sign up here but don’t worry, you don’t have to deposit any funds if you don’t want to. Tip: Don’t enter this draw unless you have a Hatch account.
More t’s and c’s:
Only sign up to newsletter using one email address per person
If you win, Hatch will credit funds into a valid Hatch account matching your name and email address used to join our newsletter.
Prize draw to occur on the 19th of December and winner notified by email and via Facebook – If no response received within 24 hours, we’ll revert to another back up name
_________________________________________________________________
Like what you’ve heard?
You can really help with the success of the NZ Everyday Investor by doing the following:
1- Tell your friends!
2- Write a review on Facebook, or your favourite podcast player
3- Help support the mission of our show on Patreon by contributing here
4- Search for The Everyday Investor on YouTube
5- Sign up to our newsletter here
NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
__________________________________________________________________
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
Rural Sector under attack
This week on Politics in Full Sentences, we speak to former ACT MP and President of Federated Farmers Owen Jennings and ACT’s Deputy Leader Beth Houlbrooke. Why does the current Government not understand the rural sector? How damaging will the Zero Carbon Act and other red tape be for the economy? And is the National Party missing in action on rural issues after voting for the Zero Carbon Bill?
Listen now, or Subscribe free:
ACT New Zealand
Politics in Full Sentences – Podcasts NZ
School of Practical Politics
Your Greatest Asset / Rob Hennin
What is your greatest asset?
It’s you!
Specifically, we’re talking about your health today – nib’s CEO Rob Hennin joins me to discuss.
What’s an asset?
Anything that produces an income.
Financially speaking, you’re the net present value of all future income streams that you can create.
Would it, therefore, make sense to insure your greatest asset?
Today, we’re talking about your health with nib’s CEO, Rob Hennin.
In this episode we cover questions like:
- Why bother with medical insurance when the public health system is so good?
- Why bother putting our children on health insurance plans when they likely won’t use it?
- Why do my premiums keep going up?
In addition to having Rob speak on today’s session, I’ve included a bonus 7-step checklist around medical insurance. From the perspective of an insurance adviser, I’ve prepared this as a general tool to provide a base level of knowledge for anyone, and their family, to listen to to get up to speed on all the important questions to ask.
Should you wish to find out more about nib, please visit their website here
Should you desire to be introduced to an insurance adviser in your area, please email me on darcy.ungaro@nzeverydayinvestor.com
As with every episode, please do not act on any ‘guidance’ you receive by listening to these podcasts – get your own individual advice based on your personal circumstances before making a decision around medical insurance.
_________________________________________________________________
Like what you’ve heard?
You can really help with the success of the NZ Everyday Investor by doing the following:
1- Tell your friends!
2- Write a review on Facebook, or your favourite podcast player
3- Help support the mission of our show on Patreon by contributing here
4- Search for The Everyday Investor on YouTube
5- Sign up to our newsletter here
NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!
__________________________________________________________________
Where to find Darcy Ungaro:
Ungaro &Co (registered) financial advisers https://www.ungaro.co.nz
Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks
Instagram: https://www.instagram.com/ungaro.co.nz/
A Kiwi World Champion: On The Tee Golf NZ Podcast 15
Hosts Brendan Telfer and Tom Hyde talk with professional Long Driver, Phillis Meti, an Aucklander who won her first of three World Long Drive Championships in 2006, at the age of 19. She hits a golf ball farther than any other woman in the world, once recording a drive of 379 metres (414 yards). How did she get started, what gear does she use and where is her career headed now?
Listen now:
NZ First scandal, changes to rental law, and the continued failure of the gun ‘buy-back’
This week on Politics in Full Sentences, we talk to ACT Leader David Seymour and Deputy Beth Houlbrooke. What does the NZ First scandal mean for its political future? Will changes to rental laws do anything to help fix the housing crisis? And are Police now admitting that the gun ‘buy-back’ has been a complete failure?
Listen now, or Subscribe free:
ACT New Zealand
Politics in Full Sentences – Podcasts NZ
School of Practical Politics
Make-your-own KiwiSaver
Make your own KiwiSaver – that’s right! Ryan Goldsmith, from Craigs Investment Partners, joins me to discuss how it all works…and more!
“KiwiSaver is the best financial gateway-drug on the market.”
Me
As a tool to increase financial capability among everyday NZ’ers, KiwiSaver has done great things. But self-employed people have been left behind and that needs to change. Perhaps if this type of investment vehicle had a bit more customization potential it could appeal more to these non-PAYE mavericks? What if there was a DIY, make-your-own KiwiSaver out there?
Wait…there is!
Ryan Goldsmith joins me today from Craig’s Investment Partners. What I like about Ryan, an authorised financial adviser, is that he’s an everyday guy – heck, he used to work at a pub just up the road from me!
Financial advisers are not always bald, white, drunk and fat – sometimes they’re normal people. This is good.
In this podcast we discuss:
How to create a KiwiSaver fund that is as unique as you are…a very special snowflake…ahhhwww
How to invest in gold using KiwiSaver
The benefits of paying attention to KiwiSaver
Special message to self-employed people
As per this episode, if you’re not enrolled in KiwiSaver and you’re self-employed, you need to deal with this now. Contact Ryan, or someone like Ryan, or check out many of the other options out there to get enrolled with KiwiSaver now.
End of Life Choice Bill
David Seymour talks to Max Whitehead about the End of Life Choice Bill after this week passing its final reading. What does the Bill actually do, and where to from here?
Listen now, or Subscribe free:
ACT New Zealand
Politics in Full Sentences – Podcasts NZ
School of Practical Politics
New Zealand’s oldest Golf Club: On The Tee Golf NZ Podcast 14
Brendan Telfer and Tom Hyde speak with Shelley Duncan, a former touring professional and top Otago player, now the Director of Golf at the venerable Otago Golf Club, commonly known as Balmacewen, about the rich history of the club, famous names who have played there, what’s up with the club today with membership and special events.
Listen now:
Wealth-Building When You’re Self-Employed
Without dealing with the ‘crap’ properly, all the admin and complexity associated with being self-employed, independent earners, can often be excluded from actually building wealth.
The Problem:
Without dealing with the ‘crap’ properly, all the admin and complexity associated with being self-employed, independent earners can often be excluded from actually building wealth.
Just like the invention of the toilet propelled the human race towards bigger and better things, independent earners also need help to deal with their crap if they’re going to have a chance to build wealth like their employed counterparts.
Hatch and Hnry joined forces recently, along with Tom Hartmann from the Commission For Financial Capability to bring today’s episode into your ears. I was involved in hosting a panel discussion exploring some of the problems and some of the solutions now available to those problems:
KiwiSaver: An example.
If you were an employee aged 30 yrs old on $75k pa, with a $30k balance today, invested in a high growth fund you may end up with $1m at retirement. Almost enough for a Lamborghini right?
If you were self-employed as above, but contributing 3% on your own with no employer contributions, you’d be about $240k worse off at retirement.
The current system, which is doing great don’t get me wrong, was designed for employees – and with the growing number of contractors working in NZ, there’s a growing problem begging for a better solution.
The Solution?
The above is actually the best-case scenario as it assumes the self-employed person has KiwiSaver but, in reality, many self-employed people are stuck in a cycle of doing boring admin and can’t consistently allocate enough to invest regularly. There stuck dealing with crap, which could one day rob them of their Lambo (or worldwide cruise?) Hnry can assist by allocating a % of each payment towards investments (like KiwiSaver or Hatch). What a great example of NZ innovation coming to the rescue!