It’s No Secret is a podcast for Kiwis who want their money questions answered.Are you wondering when the right time to get on the property ladder, whether you s...
106. How Does Tax Work When Investing In Kernel Funds?
Tax is an unavoidable cost of investing, so ensuring you understand how it works can help you get the most out of your investments.In New Zealand, Portfolio Investment Entities (PIE) funds offer a tax-efficient way to invest, but navigating their tax rules can sometimes be challenging.Find out how they work in this podcast episode, alternatively read the full blog below. https://kernelwealth.co.nz/blog/how-does-tax-work-when-investing-in-kernel-fundsIf 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 - SpotifyFollow us for fun chat & financial tidbits on IG: @itsnosecretnzGot 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
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105. Trump & Investing: 5 Tips to Remember During Uncertain Times
This week, we dive into investing during uncertain and volatile market conditions. With recent economic shifts driven by new policies and tariffs, many investors are feeling the pressure to take some sort of action. Join us as we chat about timeless tips to remember during turbulent times.Specifically, we chat about:What's currently happening in the markets which are causing people to worryWhy uncertainty creates volatility, especially in the sharemarketsHow investing to fit your risk profile can lead to better outcomesWhat you can do to reframe market volatility as an opportunity 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 - SpotifyFollow us for fun chat & financial tidbits on IG: @itsnosecretnzGot 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
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Winning the Office Lottery, Personal Finance Journey & Paying off Student Loans | Money Moments w/ Joni
In today's Money Moments episode, we're joined by our very own Joni from the Customer Success team. In this episode, Joni shares his experience with money, in particular:What his relationship with money was like growing up in Indonesia, US, and NZHow he paid off his student debt with the help of his friendsWhat his personal finance journey was like and how it has changed over timeThe impact of the COVID lockdown and on his personal financesHow he would spend his money differently had he known what he knows now 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 - SpotifyFollow us for fun chat & financial tidbits on IG: @itsnosecretnzGot 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
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104. Foundational Money Tips For Your 20s, 30s & Beyond
In this episode we're diving into a topic that hits home for many—practical money tips for those in their 20s and 30s.This stage of life is often packed with big decisions about finances, careers, and relationships, which can sometimes feel overwhelming. That’s why we’re here to simplify the process and share the insights we wish we had known earlier. Remember, everyone’s journey is different, and it’s okay to move at your own pace.Here’s what we cover in this episode:Why setting up an emergency fund is crucial and how to figure out how much you might need.The importance of stepping back to understand your cash flow and spending habits.How your relationships and personal values shape the way you interact with money.Tips for reframing your goals to create a clearer vision of what you want in life.Where KiwiSaver fits into the bigger picture of financial planning.Tune in now to learn 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 - SpotifyFollow us for fun chat & financial tidbits on IG: @itsnosecretnzGot 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
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Money Q&A: Pricing, Distributions, and Market Timing - Fund Units Explained
In this episode, we are joined by Aaron, our Portfolio Analyst, to explain fund units and how they work. We cover important topics like swing pricing and the effects of distributions, helping both new and experienced investors understand these concepts better. Tune in to learn how fund units work!Specifically, we chat about:What are units in a fund, and how are they different from company shares?How is the unit price set, and why is end-of-day valuation important?Why does the unit price on the Kernel platform sometimes look outdated?How do distributions affect unit prices, and what does that mean for you?Should you wait for a lower unit price, or is dollar cost averaging a better approach?How does order timing relate to unit pricing in different time zones?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 - SpotifyFollow us for fun chat & financial tidbits on IG: @itsnosecretnzGot 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 No Secret is a podcast for Kiwis who want their money questions answered.Are you wondering when the right time to get on the property ladder, whether you should invest with family or how to talk to your significant other about investing and budgeting? If yes, you’re in the right place. Join the Kernel team, alongside some special guests, as they take you through the ins and outs of all things finance, money, property, investing and building wealth so you can move towards achieving financial freedom. Each Wednesday, we’ll release one episode that answers a specific money question. No long ramblings and no financial jargon. Investing hacks, budgeting tips, and financial freedom are included.You’ll be left feeling inspired, relieved and ready to take the next step in your financial journey.Happy listening!Submit a money question or get in touch at our Instagram @itsnosecretnz
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