NZ Everyday Investor

Almost 40% of the S&P 500 index fund sits in just 10 stocks. Yet, low cost, passive index funds are often marketed as a way to invest in many things at once.
9 of the 10 companies are directly exposed to the AI-thematic - something that may, or may not be a bubble, depending on who you listen to.
They say the performance of actively managed funds, after fee, rarely outperform passive funds. So, does that mean we should park our intellect at the door?
Chris Hestelow, Investment Specialist at Allan Gray*, talks to me about the 'Passive vs Active' debate, AI concentration risks in index funds, and reflexivity/dynamic feedback loops that distort true price discovery in markets.
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).
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*I may recommend Allan Gray funds in the course of providing KiwiSaver or investment advice.
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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.
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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:
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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!

Mark McCrindle is an Australian social researcher, demographer, and futurist best known for his work on generational trends and for popularising the term Gen Alpha. https://mccrindle.com.au/
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!

Sensitive topic warning: Watch Rumble version here
This episode is a little different, and I make no apologies for that. Today we're sitting down with Zach and Tony from Child Rescue New Zealand, a charitable organisation rescuing children from trafficking across Asia. I genuinely believe that how you use your wealth matters just as much as how you build it, and these guys are a powerful reminder of why.
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!

Today I’m sharing a conversation about a property investment strategy that most of us simply won’t be able to access. My goal isn’t to tease you. It’s to highlight something important: if you live in New Zealand, you may be significantly underestimating how the real estate market could rebound - from the top down. Controversial take, I know - but I do hope it gets you thinking!
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!

Special thanks to Clive Thompson for speaking with me - check out his children's book on www.clivethompson.com
In this conversation, Clive Thompson explains how central banks are increasingly stuck, facing rising inflation from oil and commodity shocks while wanting to cut interest rates - leaving them with limited options in the current macro environment. He argues that central banks worldwide are aggressively buying gold as a hedge against currency risks and de-dollarization, advising gold holders to stay positioned as the monetary system continues to change.
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
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!