NZ Everyday Investor

29/11/2025

Took my eldest to pack Christmas food boxes today. Met the Prime Minister, sweat through my clothes, and personally helped pack 1,050 food boxes-real breathing room for families over the holidays.

Loved seeing ordinary Kiwis and businesses quietly give up their Saturday with us- Small effort, massive difference made.

I often wonder: when/if we step up, the less the government has to. Which is the best argument for lower taxes and smaller government.

Big thanks to the Kiwi companies who put up the food!

27/11/2025

What measuring stick should measure your wealth?

A currency run by politicians and bankers, programmed to lose AT LEAST 3% yearly?

Or something that’s been used as money for over 5,000 years?

Take a look at this chart (h/t McAlvany Financial Group) then ask yourself:

- Is my investment portfolio REALLY performing well?

- Does my house value REALLY double every decade?

- Are markets REALLY overpriced?

Maybe your measuring stick is shrinking?

26/11/2025

New Zealand’s official cash rate cut by another 0.25%.

The best, the brightest, and the most often consulted expert economists our country has to offer, mostly all agree: no more cuts from here.

Will the RBNZ be forced to cut again next year?

17/11/2025

Are 50-year mortgages coming to New Zealand? Check out the latest!

17/11/2025

Are 50-year mortgages coming to NZ?

Paying your mortgage until age 86 sounds insane. But is it coming to New Zealand anyway?The Trump administration is working on 50-year mortgage proposals in ...

12/11/2025

One of the greatest hurdles for bitcoin as a payment form, isn’t tech, it’s the taxman.

Last night at the inaugural Bitcoin Policy Institute New Zealand
Launch Event, you could pay for drinks using bitcoin with ease… but at the same time, taxable events were created.

Why not a de minimus tax exception?

That’s what drew a mix of industry leaders, IRD, DIA, RBNZ, and MPs into the same room last night in Wellington.

The policy push now is for a sensible exemption for everyday payments under $1000.

If we choose to use a type of money appreciating in value (partially due to inflation), is it fair we have to pay more tax?

Imagine if using the NZD triggered taxable events based on the LOSS in value?!

If we get this right, and MP’s get behind it, I think we’ll start to see significant savings in the payment space for Kiwis.

07/11/2025

I’ve been Radicalised.

12 months ago, after 21 years building it up, I sold my financial advice practice that specialised in mortgages and insurance.

Why? Increasingly, there was misalignment between the services I offered, and what my clients actually needed.

Thus began 6 months of trying to figure out a business model to help Kiwi’s build new wealth, for the new world. Easier said than done. Everywhere I look, financial advisers are looked upon as ‘distributors of financial products’ by financial institutions, and salespeople not to be trusted by regulators. I needed to build a future-ready model of financial advice, and do it in a way that was spotless in terms of best practice. In an already crowded industry, the task felt impossible. To really ADVISE the types of people I was seeing, I needed a Radical solution…

After an overseas conference centred on the future of money, I came back to NZ and tried to find out who was working in this space already. That’s when I met Joel Robinson - his business was EXACTLY what I was imagining. An advice model that respected everyday investors, and their freedom to choose, using cutting edge processes that would endure more scrutiny tomorrow. I couldn’t compete.

So, why not join forces with a firm already setting records in the KiwiSaver and investment space?

So, I’m proud to announce that I’ve been Radicalised.

For greater choice in what goes into your investment portfolio, or your KiwiSaver plan, or if you want advice without being sold to, hit me up.

At Radical Investment, we offer personalised financial planning and investment management services to help you achieve your financial goals. Our experienced financial advisors provide expert guidance on retirement planning, wealth management, and more.

05/11/2025

Data schmata...

Sometimes all the data in the world still doesn't help us understand where the property market's heading in NZ, and what's actually driving it.

I caught up with Vanessa Williams, from Realestate.co.nz recently to discuss the shift in sentiment that's now underway.

https://youtu.be/PigHH1mrfOc?si=tDsiR82SLrz1_HVt

Property prices have been flat for nearly 3 years. So what's really happening behind the scenes?Vanessa Williams from realestate.co.nz has a unique view of t...

05/11/2025

Samuel Benner, a farmer, introduced the ‘Periods When to Make Money’ chart back in 1875. This historical chart has has accurately captured significant market events like the Great Depression, the 1970s era, the 1987 stock market crash, the DotCom crash, and the recent Covid crisis, including the ‘hard times’ of 2023.

I shared this chart with a client today to highlight the futility of relying too much on data points, geopolitical factors, and central bank policies for market predictions.

All the wisdom in the world still can’t see what’s coming.

So, why not consider the unconventional methods like interpreting tea leaves, study the stars, or consider 150 year old predictions from everyday people?

02/11/2025

I've been genuinely surprised by how resilient the property market's been in NZ's provincial centres, while Auckland and Wellington prices fell.

Remote work, agricultural sector? It's hard to say why, and whether it's just a temporary inversion before the old pattern resumes. Auckland should be poised for strong growth...now, where did I leave that strong economic growth?

I caught up recently with Kelvin Davidson, chief property economist at Cotality:

Is now the time to buy property in New Zealand? Here's what the data really says.With $300 billion sitting in term deposits earning next to nothing and the O...

25/10/2025

At the root of all kinds of evil, including a scarcity mindset, is the love of money.

A type of money that government and central banks create out of nothing.

The solution isn’t found in infinite money.

It’s not addressing the root cause.

We need a qualitative, not quantitative solution.

Accumulating scarce money helps you to think abundantly.

What’s the best form of scarce money we can hold?

24/10/2025

Steve Orenstein's logistics software firm was restricted by Aussie regulators for holding too much Bitcoin on its balance sheet.

Now they’re listing on NZX.

Bring on NZ's first Bitcoin treasury company!

A tech CEO's journey from selling his car for Bitcoin to listing New Zealand's first Bitcoin treasury company.Steve Orenstein runs a logistics software busin...