NZ Everyday Investor

The RBNZ’s OCR decision lands Wednesday, 18 February, and it's expected to hold at 2.25%. The deeper truth? Australian banks (ANZ, ASB, BNZ, Westpac) dominate New Zealand’s mortgage market, influence media and politics, and shape house prices and the economy at large. With fragile recovery signs amid persistent inflation, will their pursuit of wider margins on “safe” lending tip us toward Japanese-style housing stagnation? Rupert Carlyon of kōura Wealth joins to discuss.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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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.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
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
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Will gold, or bitcoin, come out on top in a monetary reset?
Given the volatility in precious metals, bitcoin, and AI stocks last week, it's a timely reminder...All investments come with the chance of the price going down instead of up, and if you feel fear when markets wobble, just remember the possibility it might not be what your investing in that’s the problem. The best time to change your portfolio is not when you’re spiraling and wondering if you were wrong, but when it’s clear you were right.
The best investments always wobble, the best investors, shouldn’t. Read more.
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.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
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
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
www.radicalinvestment.co.nz
________________________
Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no...

Crypto isn’t always the risk – we are. In this episode, I talk with Paul Holland about why everyday investors are losing billions to scams, how AI is super‑charging the problem, and what you can actually do about it.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
Sign up to the fortnightly newsletter!
Thank you to our show partners
Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
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
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Passive retirement income sounds like the holy grail, right? Imagine the money quietly rolling in while your capital sits there untouched – perfect!
Yet when you dig into how this is usually sold to retirees and pre‑retirees, it often turns into something very different: concentrated bets, misunderstood risk, and portfolio structures that look “safe” on the surface but are fragile underneath. Read more.
Watch the YouTube Version here.
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.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
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
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
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. Do...

In this one I'm a sharing recent episode from the Token Affairs podcast, the official BlockchainNZ podcast, hosted by Trevor and Bryan – two guys right at the intersection of industry, regulation, and innovation in the digital‑asset world. We're asking the question, do digital assets (bitcoin specifically) belong in a 'normal' investment portfolio?
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.
Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.
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
Online courses:
Take the free, 5-part online course Crypto 101: Crypto with Confidence
Get Social:
Check out the most watched/downloaded episodes here
Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.
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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!