The Curve

Soph and Emma Louise-Boynton get into the ASOS hack, where hackers messaged customers directly through the app after the company wouldn’t pay up. We talk about how these digital ransoms work, why so many businesses quietly hand over the money, and the flaw hiding under 70% of the internet that nearly went very wrong. Plus, the cybersecurity stocks and insurers doing well out of it all. Then we turn to Victoria’s Secret, from Kylie Jenner’s $50 million bra to how the brand clawed its way back after years of decline. Not financial advice.
Not sure how to incorporate AI into your business? Discover Out Source, our recommended AI automation partner … https://thecurve.out-sauce.ai/refer/out-sauce.
Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve
Credits:
Host: Sophie Hallwright & Vic Harris
Producer: Kate Callaghan
Social & Digital Manager: Lucy Munro
⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline)
For more from The Curve:⁠⁠⁠⁠
⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en
Substack: https://thecurveplatform.substack.com/
Website: https://thecurveplatform.com/
The Curve Investments: https://thecurveinvestments.co.nz/
⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw
⁠TikTok: https://www.tiktok.com/@thecurveplatform
Chapters

00:00:00 Coming up in this episode …
00:01:13 Generate x The Curve
00:01:28 Dream spending
00:03:47 What the ASOS hack means for cybersecurity?
00:29:18 Generate x The Curve
00:29:52 The rebirth of Victoria's Secret
00:49:39 Thanks for listening!

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures.
*Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

It’s reporting season, when listed companies hand in their report cards and share prices swing on the results. This week Soph and Vic dig into two of them. Netflix grew its profit by around 43%, yet its shares fell, so what were investors actually reacting to, and why is YouTube now the rival to watch? Then there’s a company you’ve probably bought from without realising: EssilorLuxottica, owner of Ray-Ban, Oakley and Sunglass Hut, whose shares just had their biggest one-day jump since 2008.
Don’t miss Vic’s money story! https://www.youtube.com/watch?v=pTWLHI9Vjig&t=74s
Still not sure about divesting? Read Pathfinder’s blog post … https://pathfinder.kiwi/insights/ethical-hotline-divesting/
Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM 
Thanks to Xero for supporting this episode. Get 90% off your first six months of Xero, the all-in-one accounting software for small businesses: https://referrals.xero.com/curve
Credits:
Hosts: Sophie Hallwright & Vic Harris
Producer: Kate Callaghan
Social & Digital Manager: Lucy Munro
⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠
For more from The Curve:⁠⁠⁠⁠
⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en
Substack: https://thecurveplatform.substack.com/
Website: https://thecurveplatform.com/
The Curve Investments: https://thecurveinvestments.co.nz/
⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw
⁠TikTok: https://www.tiktok.com/@thecurveplatform
Chapters

00:00:00 Coming up in today’s episode …
00:01:07 Pathfinder x The Curve
00:01:29 Netflix fails to impress investors
00:15:55 Pathfinder x The Curve
00:16:33 Xero x The Curve
00:17:42 The sunglasses gugernaught
00:29:54 Ethical Hotline
00:37:10 Thanks for listening!
00:37:31 Financial disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Part two of Meet the Founders. After Soph shared her money story, the requests for Vic's kept coming, so our Producer, Emily, and Digital & Social Manager, Lucy, sat her down for the full version.
Vic takes us from selling her sister's clothes on Trade Me as a kid to choosing a South America trip over a job offer at Goldman Sachs, then starting out answering phones at Milford Asset Management. She shares the employee share offer she nearly turned down and what it grew into, what she learned as one of the only women in the room, and how her salary went from $45k to over $400k.
Then it's on to The Curve. She talks about the friends who wouldn't stop telling her to start it, what raising money from investors was really like, her lowest point with money, and why she launched The Curve Investments. She also answers your community questions and gives her advice for anyone on the edge of a big decision.
Watch Soph’s money story if you haven’t already! https://youtu.be/6NrkbtrC_Qg?si=U4dTbKku2I3XUwF0
We're so proud to have created a fund shaped by you, The Curve community. To find out more, visit thecurveinvestments.co.nz.
The Curve Investments Limited is the issuer and manager of The Curve Fund. The Product Disclosure Statement is available at thecurveinvestments.co.nz/pages/the-legal-stuff. The Curve Investments Limited is part of The Curve group, and the hosts of this podcast have an interest in it. This is general information only, not financial advice. Investing involves risk and returns aren't guaranteed.
Credits:
Hosts: Victoria Harris, Emily Rigby, and Lucy Munro
Producer: Kate Callaghan
Editor: Emily Rigby
Social & Digital Manager: Lucy Munro
⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline)
For more from The Curve:⁠⁠⁠⁠
⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en
Substack: https://thecurveplatform.substack.com/
Website: https://thecurveplatform.com/
The Curve Investments: https://thecurveinvestments.co.nz/
⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw
⁠TikTok: https://www.tiktok.com/@thecurveplatform
Chapters

00:00:00 Coming up in this epsiode ...
00:01:02 Intro
00:04:02 Vic's relationship with money growin up
00:09:05 Turning down Goldman Sachs
00:14:55 Working as a woman in finance
00:30:00 Building The Curve
00:37:30 Your questions
00:45:30 Final advice
00:48:59 Thanks for listening!
00:49:19 Financial Disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.!

Bumble was once worth US$14 billion. Now it’s being bought for US$1.3 billion and taken private, and the app built on women going first will be run by two men. Soph and Emma get into what went wrong, what happens to your shares when a company leaves the stock market, and why LVMH shares are down around 40% while Uniqlo keeps breaking records. Plus, is a Chanel bag ever really an investment?
In case you missed our lab-grown vs natural diamonds episode … https://youtu.be/0qCN7Z1XFKM?si=KLlYJa-2hA5wu4Lt
Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve
Credits:
Host: Sophie Hallwright & Emma-Louise Boynton
Producer: Kate Callaghan
Social & Digital Manager: Lucy Munro
⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline)
For more from The Curve:⁠⁠⁠⁠
⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en
Substack: https://thecurveplatform.substack.com/
Website: https://thecurveplatform.com/
The Curve Investments: https://thecurveinvestments.co.nz/
⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw
⁠TikTok: https://www.tiktok.com/@thecurveplatform
Chapters

00:00:00 Coming up in this episode …
00:01:05 Generate x The Curve
00:01:22 Are we Karen’s now?
00:05:49 The Bumble Stumble
00:30:18 Generate x The Curve
00:30:54 Is Luxury dead?
00:47:52 Thanks for listening!
00:48:11 Financial disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures.
*Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

Vic is officially back in New Zealand with big news: The Curve Fund is now live on Sharesies. She explains why September is so often a rough month for markets, the best analogy you’ll hear all year for how AMD became a trillion-dollar company without making a single chip, and why the company everyone should be watching isn’t Nvidia. Plus, how Warner Bros.’ CEO walked away with US$606 million after losing his job, and why stock options are worth asking about next time you negotiate your pay.
Can’t get your head around bonds? https://youtu.be/BVhMzrp9jo0?si=IJF7VYP2PyZjwGGH
How to ride the peptide wave … https://youtu.be/cKoNDrtjp_U?si=fIOe6BzImsgkDSO7
We're so proud to have created a fund shaped by you, The Curve community. To find out more, visit thecurveinvestments.co.nz.
The Curve Investments Limited is the issuer and manager of The Curve Fund. The Product Disclosure Statement is available at thecurveinvestments.co.nz/pages/the-legal-stuff. The Curve Investments Limited is part of The Curve group, and the hosts of this podcast have an interest in it. This is general information only, not financial advice. Investing involves risk and returns aren't guaranteed.
Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM 
Credits:
Hosts: Sophie Hallwright & Vic Harris
Producer: Kate Callaghan
Social & Digital Manager: Lucy Munro
⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠
For more from The Curve:⁠⁠⁠⁠
⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en
Substack: https://thecurveplatform.substack.com/
Website: https://thecurveplatform.com/
The Curve Investments: https://thecurveinvestments.co.nz/
⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw
⁠TikTok: https://www.tiktok.com/@thecurveplatform
Chapters

00:00:00 Coming up in this episode …
00:00:45 Pathfinder x The Curve
00:01:10 Vic’s back in NZ
00:08:35 The Fund announcement you’ve been waiting for!!
00:11:31 How to understand fund results
00:14:59 What’s the fund investing in
00:24:24 Pathfinder x The Curve
00:24:58 The $600m payout
00:36:15 Thanks for listening!
00:36:36 Financial disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.