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Looking to make sense of your dollars? Newstalk ZB’s Smart Money delves into the deep, dark recesses of unwanted debt, traverses the highs and lows of investments and helps to ensure you money works for you.
Our industry experts give us their top tips on a wide selection of topics including mortgage rates, stock, savings, goal-setting and retirement.
Our industry experts give us their top tips on a wide selection of topics including mortgage rates, stock, savings, goal-setting and retirement.
313 Episodes
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Trusts are hardly mentioned outside of when wealth tax is in the news, or when someone mentions their accountant told them to get one. One side of the political aisle seems to have a good list of reasons as to why someone would need a trust, while the other side seems to be convinced that essentially the only reason anyone would have one would be to hide assets. So what is the real purpose of a trust? LISTEN ABOVESee omnystudio.com/listener for privacy information.
An interesting report came out this week about budgets: the average household spending has only gone up two dollars a week since 2023. 50-percent of respondents said they're actively seeking out discounts and promotions - and 30-percent downgrade brands. It's one thing to be spending less on non-essentials, eating less, or wearing cheaper clothes, but sometimes that can chip away at our mental health and confidence. So how can we still feel good and financial okay, with what we've got? On the topic of household budgets: when do you merge finances with your partner or spouse? How do you do it? What should you be careful of? Financial specialist, and author of top Personal Finance book - Money Matters - Amanda Morall joins Tim Beveridge for Smart Money...See omnystudio.com/listener for privacy information.
A new governor has been appointed for the Reserve Bank of New Zealand - all the way from Sweden. Dr Anna Breman has already received criticism from economists who find themselves concerned that someone with such little knowledge of the New Zealand economy will hold such a high stakes position. LISTEN ABOVESee omnystudio.com/listener for privacy information.
The economy had a worse than expected drop in the June quarter, shrinking 0.9%. Finance Minister Nicola Willis has blamed it on global turmoil, but the Reserve Bank of New Zealand says there's a need to provide more stimulus to the economy by cutting the OCR. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Last week, New Zealand First leader Winston Peters announced plans to campaign for compulsory KiwiSaver at the next election, and increase the minimum contribution from 4% to 12%. He said there would be tax cuts alongside these changes to help fund the increase in contributions. LISTEN ABOVESee omnystudio.com/listener for privacy information.
There are two different types of employees - one who stays low profile, gets what they need to get done, done, and goes home. Then there's the other, who complains about anything they feel inconveniences them. Is it true that the squeaky wheel get the grease? Or is this a great way to get yourself ruled out when it comes to opportunities and promotions? LISTEN ABOVESee omnystudio.com/listener for privacy information.
It's no secret that the cost of living has gone a bit crazy these past few years, but insurance seems to be one of the hardest hit. Insurance prices have increased 900% since 2000 - almost triple the increase of tobacco products. LISTEN ABOVESee omnystudio.com/listener for privacy information.
The OCR got another cut this week, now down to 3%. While there have been questions for a while around whether banks are passing the cuts down to consumers, the real question is whether the cuts will actually solve anything at all. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Wills are some of the most painstaking things you need to do as an adult. They remind you of your mortality, and of all the familial issues you may have had throughout the years. But they must be done - so how can you write an airtight will? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Most New Zealanders consider themselves only “average” with money. In fact, a new study from Partners Life finds less than a quarter of New Zealanders rate their financial knowledge as "excellent". Nearly 60 percent find it tough to pay monthly expenses, and just over half reported stress or losing sleep due to money concerns. At the same time, many are reportedly using credit and afterpay services to make ends meet. How do we improve financial literacy? What can we put into practice now? Banqer CEO Simon Brown joins Tim Beveridge for Smart Money... LISTEN ABOVESee omnystudio.com/listener for privacy information.
The number of mortgage holders refinancing their loans is the highest ever recorded. More than 3,500 borrowers refinanced in June, and experts are expecting to see the trend continue through to the end of the year. Finance specialist Amanda Morrall joins Tim Beveridge for Smart Money. LISTEN ABOVESee omnystudio.com/listener for privacy information.
The Consumer Price Index over the June quarter was lower than expected at 2.7%, and it could mean a rate cut by the Reserve Bank next month. So is the New Zealand investment winter over? Shane Solly is a director at Harbour Asset Management and he joins Tim Beveridge for Smart Money. LISTEN ABOVESee omnystudio.com/listener for privacy information.
We all want our kids to do better than we did, and a major part of that is teaching them how to set themselves up financially. Founder and managing director at Koura Wealth, Rupert Carlyon, joins Tim Beveridge for Smart Money. LISTEN ABOVESee omnystudio.com/listener for privacy information.
The cost of living is crunching down again, as more than 30-thousand Kiwis reportedly moved abroad last year. Are there any more changes can people make to save money? What things can they afford to cut? Additionally, at what point do we look in the mirror and say the problem is our lack of personal discipline? "Financial Force of Nature", and Founder of financial strategy site joins Tim Beveridge for Smart money... LISTEN NOWSee omnystudio.com/listener for privacy information.
This week, the Government's KiwiSaver contribution was halved under budget changes. Employers will also have to fork out a mandatory 4% contribution to adjust for the deficit left by the Government's contibution. That bump's expected to stifle potential salary increases, and in turn, our retirement funds - leading many to question what changes we really need, and what we can do for ourselves, to support our golden years. Retired financial advisor and writer Martin Hawes joins Andrew Dickens for Smart Money... LISTEN ABOVESee omnystudio.com/listener for privacy information.
New employment data reveals work-life balance is the top reason people leave their job. Additionally, more people are working past the retirement age. Are these new attitudes, or has it been growing? What's the workforce like today? Tim Beveridge speaks to Employment Relations Expert Max Whitehead... LISTEN ABOVESee omnystudio.com/listener for privacy information.
Global conflict also affects trade and consumer spending. What uncertainties will appear, and how will markets respond to the US bombing Iran? Harbour Asset Management's Income and Currency Strategist Hamish Pepper talks to Tim Beveridge... LISTEN ABOVESee omnystudio.com/listener for privacy information.
Some kids have a nack for saving, a piggy bank full of coins - while some never get it. So what is it that makes someone good with money? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Tim Beveridge is joined by Koura Wealth founder, Rupert Carlyon, to discuss the inner workings of a KiwiSaver fund and how to best use KiwiSaver. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Career progression is a significant thing to consider for most people - whether they could develop as much as they'd like at their current job, or if they would need to look elsewhere. So how can employers spot and support an employee who wants to progress? LISTEN ABOVESee omnystudio.com/listener for privacy information.
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