NZ Everyday Investor

08/10/2025

0.50%!

Finally, the RBNZ is getting in front of it.

Could we see a housing boom next year in a stagflationary environment?!

The RBNZ gets in front of it, finally, but with egg on their face.OCR just got slashed by 0.50% to 2.5%, but this is only the opening gambit as the Reserve B...

06/10/2025

Gold to hit $4k per month by Friday?!

Who could have guessed it?

https://youtu.be/2diT0O0l-Tg?si=t2pCLjEJt0g7j3Yo

06/10/2025

They’ll inherit it all eventually…

Why not make them work for it?

Work before play keeps entitlement at bay.

05/10/2025

What's a property investors greatest risk?

Vacancy

An Airbnb, a residential rental, and a commercial property all have this in common.

Catch the full chat here: https://bit.ly/4nWgwPT

02/10/2025

Why mortgages WILL drop, and house prices WILL rise.

I survived a 10.75% mortgage rate in 2008, but then I spotted the pattern that persists today. Each interest rate cycle brings lower highs and lower lows. Rates still cycle, but the long-term trend is down.

In hindsight, 2025 might be the year many felt ‘this time it’s different.’ Higher-for-longer rates forced prices lower, and further. Many had to quit, or sell at a loss.

But mortgage rates HAVE TO fall more. Why? Because decent pay rises can’t match even modest house price inflation. Higher prices mean bigger mortgages, and those only work if rates drop.

Lower rates mean more money in pockets to spend, more power for first home buyers, and better cash flow for investors. More credit creation means NZ will be climbing out of recession. Good news!

Here’s the question: If the pattern's clear, why isnt housing already booming? What would need to change for that to be true?

01/10/2025

While a recovery is expected in residential property (due to falling mortgage rates), some investors might consider their options.

Commercial property CAN be simpler than residential property investment.

Before you go much further, check out the latest chat with Provincia, who operate a wholesale property fund: https://bit.ly/4nWgwPT

27/09/2025

New Zealand’s recent changes to the 'Active Investor Plus Visa' could spark increased demand for property...
..initially with properties at or over the $5m mark. No big deal for everyday homeowners? Perhaps, but there's a theory.

Sellers of these homes might downsize or buy rental properties to build recurring income. I wouldn't put much weight on this theory, but when limited supply of housing meets unlimited overseas capital, stranger things can happen!

https://bit.ly/3VPRrtS

26/09/2025

Of all the Yiddish-inflected quips I frame Bitcoin with, I use this low-risk hedging metaphor the most.

"Bitcoin is the ultimate schmuck insurance"

I heard the term first from Chamath Palihapitiya (channeling Carl Icahn?), who then then said "I've told my friends that it's entirely rational to allocate one percent of your assets to Bitcoin - as I have.

That was in 2013. I wonder if his schmuck insurance paid out?

Then I thought, I wonder if life insurance could payout in bitcoin?!

I spoke with , founder of Meanwhile, and we spoke about just that.

Enjoy the chat:

Zach Townsend is the CEO and co-founder of Meanwhile, the world's first Bitcoin-denominated life insurance company. If you want to see what the future of fin...

26/09/2025

Should you enroll your kids into KiwiSaver?

YES, and here's why:

- it can help kids take ownership of their financial future.
- if you want them to buy a home, KiwiSaver helps them stay committed to that objective.
- they pay less tax than you do!
- if it's out of sight, it's out of mind (including yours).

If you're a parent of a small kid, sign them up in an aggressive or growth-style fund, and review their settings 5-7 years before they buy a home.

Here's a bonus tip for kids old enough to understand, bring them along to see your financial adviser!

https://bit.ly/46MyBtX

25/09/2025

If I could travel back in time, I'd bring gold coins for spending money.

For the future, I'd bring bitcoin.

The already, [we are here] and the not yet.

Catch the full chat with Zac Townsend: https://bit.ly/3VXDsCq

25/09/2025

Tiny gaps can become massive chasms later on.

Right now might be one of the last, 'best times' to grab the first rung of the property ladder.

As the next part of the housing cycle kicks in, it'll potentially be harder to make the leap between a starter home, and a family home.

Taking a bigger step now (if your young, and your income's still scaling), can ensure you're not upgrading when the 2nd or 3rd child comes along

https://bit.ly/4l1TFkh

24/09/2025

There's a good chance you'll outlive your money.

Not because you might run out of it, but because it'll be replaced.

In the continent of Africa - the mean lifespan of their currency is 27 years.

In the continent of South America - the mean lifespan of their currency is 20 years.

The new franc (France) lasted from 1958–2002: 44 years.

The Reichsmark lasted 24 years, and the Deutsche Mark 54 years, both in Germany.

The British Pound, US dollar, and Swiss Franc are the exceptions to the rule - are they on borrowed time?

What does this mean for contracts that promise to pay out money in the future, like LIFE INSURANCE?

Very interesting chat with Zac Townsend from Meanwhile on the pod: https://bit.ly/3VXDsCq