NZ Everyday Investor

The Reserve Bank of NZ has hiked the OCR (official cash rate) twice off the lows and says the recovery has “most likely resumed, but remains uneven.” Headline inflation is 4.1% because of fuel, but if you take that out, you’re at 2.9% (inside the target band). I think the question is simple: can the Kiwi economy handle the hikes, or do we get a forced cut and a longer grind? My guest is Jarrod Kerr, chief economist at Kiwibank.
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Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
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The Bitcoin Adviser: Plan for intergenerational digital wealth.
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Revolut: For a new type of banking.
Sharesies: For local, and international markets.
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Exodus: Get rewards on your first $2,500 of swaps
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www.radicalinvestment.co.nz
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Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Everyday investors will have access to 24/7 share trading in the form of tokenised securities, but there's a problem.
NZ rules are built for a paper-era and no one wants to stick their neck out. Deputy Prime Minister and ACT leader David Seymour talked to me last Friday about their new proposal: A one-year bright-line test on digital-asset gains.
Will this unlock NZ's digital economy? It might.
Learn how to take greater control of your KiwiSaver: Book in a 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.co.nz
________________________
Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Check out my Substack here.
Tim Doyle, crypto currency tax expert joins me on this one to talk about a recent case where a client of his posted Bitcoin as collateral to take out a fiat currency loan. The idea is to borrow cash, without ever selling Bitcoin, much in the same way you might top up your mortgage to free up cash without having to sell your home.
But Inland Revenue's response was to classify the posting of collateral as a disposal - Which means it’s a taxable event. What's the big deal? If the world is heading more digital (and it is), then will other types of borrowing potentially trigger tax obligations too?
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.co.nz
________________________
Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

We’ve been through plenty of property cycles in New Zealand, but this one feels different. It's been called the worst downturn in 50, or even 60 years. Auckland and Wellington have been hit hardest, while other parts of the country are holding up far better (and in a few places, still growing.)
Today I’m joined by economist Ed McKnight from Opes Partners to unpack what’s really going on. We’ll look at the numbers, the regional split, why some Australians are starting to eye New Zealand property again, and why trying to predict the exact bottom is usually a fool’s errand.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.co.nz
________________________
Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

An economist [I used to respect] was recently asked, why is debt getting more expensive?
His response?
"this is what happens when your economy is starting to show some growth and the risk for inflationary pressures shift upward."
It’s almost like our economists care too much about getting a job at the RBNZ than they do speaking the truth. Read more.
Meanwhile, just over half of all Kiwis, feel unprepared for retirement (and that includes debt-free homeowners who thought they’d done everything right.) Something has to be done to fix this, but is asking the government to make more rules around KiwiSaver really the right answer? Ben Davin and Mark White-Robinson join me to discuss. If you'd like to sign up to Feijoa, enter in the NZINVESTOR code at checkout for a discount.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank You
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Affiliate Links!
The Bitcoin Adviser: Plan for intergenerational digital wealth.
Hatch: For US markets.
Revolut: For a new type of banking.
Sharesies: For local, and international markets.
Loan My Coins: Bitcoin lending product.
Exodus: Get rewards on your first $2,500 of swaps
Get Social:
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.
www.radicalinvestment.co.nz
________________________
Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!