Welcome to Money Made Simple, a family of NZ-based financial literacy podcasts from Simplicity which keep it simple and get straight to the point. We want ALL K...
Economy Made Simple #1 | APRIL 2025 State of the Nation
Welcome to the very first episode of the Economy Made Simple! Our host Shamubeel Eaqub delves into the current state of financial markets, the broader economy, and the impact of global volatility on the local environment. This episode offers a "State of the Nation" perspective, perfect for those who would like to gain a deeper understanding of the dynamics of the economy. This episode covers:The recent downturns in global financial markets, shedding light on the causes of current economic fears and how these are reflected in things like KiwiSaver accountsInsights into how old-school policies like tariffs are reintroducing geopolitical uncertainties that haven't been seen for decades, and what this means globally and for NZThe importance of a long-term perspective when it comes to retirement savings, and the worth of regular and consistent contributions despite market swingsA discussion on New Zealand’s specific challenges and strengths in the global economy, including our geographical isolation and diverse trading strategies. In this episode, Shamubeel unpacks some complex economic trends to help you better understand how these might impact your investments and financial strategy. Armed with this knowledge, you can make more informed decisions, stay resilient in the face of economic fluctuations, and plan more effectively for the future. *This podcast contains Simplicity Research Hub’s economic and policy analysis, opinions, and commentary and is provided for general information only. It does not relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity NZ Ltd is the issuer of the Simplicity KiwiSaver and Investment Funds Schemes. For Product Disclosure Statements please visit our website simplicity.kiwi.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.
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MMS #44 | Don't outlive your money: Rethinking retirement realities with Jane Wrightson
In this second episode of our two-part series with Jane Wrightson, New Zealand's Retirement Commissioner, we dive deeper into the future of retirement and how today’s choices can and will impact tomorrow's freedom. This episode, tackles some thought-provoking issues and projections, and could be a game-changer for those trying to secure a more comfortable future. This week's episode covers:How retirement is changing both in New Zealand and globally, reflecting longer lifespans and economic shiftsThe concept of FORO (fear of running out) and strategies to mitigate this fear by planning for a potentially 30-year retirementThe trend towards working past traditional retirement ages, and how this can sometimes be choice and for others necessityChallenges future retirees might face, especially those not owning their homes outright or dealing with escalating health costs as they ageTips n' tricks to ensure you're planning for retirement (no matter how far away it is!) with the right goals and plan in mindResources mentioned in this episode:Sorted: The Retirement Commission's very own (and world famous on this podcast) online resource for financial planning tools and information.Commission for Financial Capability: Offers guidance on retirement planning and financial security.Through these discussions, listeners can gain valuable insights into preparing for a retirement that may look very different from today's standards. Whether you're just starting to think about saving or you're adjusting your existing plans, this episode provides insights and tips for navigating the complexities of retirement planning.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.
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MMS #43 | Plan now, chill later: Why retirement planning isn't just for the older generations!
In this episode of Money Made Simple, Jennie sits down with New Zealand’s Retirement Commissioner, Jane Wrightson, to discuss what retirement really looks like in New Zealand. We often think of retirement as something far off on the horizon but the reality is, the choices we make today shape our financial future.This episode covers:The true state of retirement in NZ—why the “rich boomer” stereotype doesn’t match the reality for many retireesNZ Super (the pension): What it’s designed for and the challenges it faces with rising housing costsKiwiSaver as a game-changer and why/how it’s one of the best tools for building long-term financial securityThe role of financial literacy and why educating young people about money is crucialHow professional financial advice can help - and when to consider itResources mentioned in this episode:Sorted.org.nz – Financial education and toolsMoney Talks – Free financial helpline and mentoringNo matter how far away retirement is, the sooner you start preparing, the more options you’ll have. Tune in for a straight-talking conversation about what it really takes to retire well in New Zealand.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.
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MMS #42 | How to invest (better) like a woman. Happy IWD!
In celebration of International Women's Day on the 8th March, this episode of Money Made simple sees Jennie and Liv discussing women and money. Something we should know a bit about! We discuss the unique challenges as well as opportunities women face in terms of earning, saving, spending and investing money - both here in NZ and globally. This episode covers:An overview of the gender pay gap in NZ (and globally), including recent trends and how the pay gap impacts women differentlyInsights into the systemic issues and biases that contribute to financial disparities for women (including the research to back it up!)Career breaks and their long-term effects on women’s finances, particularly regarding KiwiSaver and other savingsStrategies for building financial confidence, from he importance of workplace negotiation to tackling the confidence gap in job applicationsHow to better manage and optimise your KiwiSaver balance as a woman (including during mat leave type scenarios)Tips for investing outside of KiwiSaver in the current environmentOf course, our own lessons/learnings around investing as Kiwi women!Some kick-ass women focused resources to help our fellow female listeners level up their financial knowledge and powerResources mentioned in this episode:- Financial Services Council Research on the KiwiSaver gender gap- SEEK's March 2023 Research on the gender confidence gap- Money Talks for financial mentoring- Mary Holm’s personal finance education site- Making Cents, a personal finance podcast by Frances Cook- One Up Project, our good friend Sarah Kelsey creating a community for self-improvement- Money Made Simple book (and of course this same-named podcast!)This episode not only sheds light on the financial inequities women face but also provides practical steps for overcoming these challenges. Whether you’re looking to negotiate a raise or better manage your investments, there’s something here to help you make informed, confident financial decisions. ---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.
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MMS #41 | Insurance 101: Mastering the basics PART TWO
*Disclaimer: This podcast material is for information purposes only. Simplicity does not provide financial advice or offer insurance products. Simplicity is not affiliated with Partners Life or any other insurer, and we do not provide recommendations or referrals.*In this second episode of our insurance 101 series, Liv welcomes back Mark from Partner's Life to get into the nitty gritty of personal insurances. Building on our "why" and "how" from Part One, this episode focuses on understanding the specific types of personal insurance and how they cater to different life stages and needs. This episode covers:Life insurance, its primary purpose and specifically what it coversTrauma and critical illness insurances, explaining how they provide lump sums for specific medical diagnosesA quick overview of Total Permanent Disability (TPD) insurance and how it differs based on one's ability to work post-incidentMortgage and income protection insurances, and their benefits in replacing income during periods of inability to workClarification on health insurance and its role alongside public services like ACC (including what that covers)The advice process when it comes to insurance - how to choose an adviser, what their requirements are, what exactly they will do (and what's required from you)How to claim against your personal insurances (and how advisers can help)Ways to tackle affordability when it comes to paying for insurance among today's cost of living challengesBy the end of this episode, you’ll hopefully have a more comprehensive understanding of different insurance types, so that you can be better equipped to make informed decisions about your insurance needs. Whether you're looking to secure your family's future or ensure your income in case of disability, this discussion will take you through some of the main choices available to understand what protection is available for different circumstances.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.
Welcome to Money Made Simple, a family of NZ-based financial literacy podcasts from Simplicity which keep it simple and get straight to the point. We want ALL Kiwis to have dignity, and a dignified life is one with choices. What can help with more choices? More money. So we're here to make Kiwis richer and smarter with money.MONEY MADE SIMPLE WITH JENNIE AND LIV:Join co-hosts Liv and Jennie on a fortnightly basis to help you understand the basics around money, finances, investing, KiwiSaver, and planning for a better future. We aim to provide information in a bite-sized, easy-to-listen way that simplifies the jargon. 'Cos who's got time for that! We want you to feel empowered and confident when thinking about money and investing - whether that be via KiwiSaver, investment funds, the share market, property, or whatever suits you.THE ECONOMY MADE SIMPLE WITH SHAMUBEEL EAQUB:Join Shamubeel Eaqub, Simplicity's Chief Economist, on a monthly basis to help you understand what's happening in the economy, job market, politics and financial markets. Tune in to get economic updates, interviews with NZ's key movers and shakers, and deep dives into topics you might want to understand better.You can join the Simplicity community via the following channels:Instagram: https://www.instagram.com/simplicity_kiwi/Facebook: https://www.facebook.com/simplicitykiwiLinkedIn: https://www.linkedin.com/company/simplicity-kiwi/Or check out our website: https://simplicity.kiwi/Cheers for listening - we appreciate each and every one of you %)
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