Smart Money

Епизоди

• 
  Chris Wilson: How will the US and NZ elections affect the markets? 13.09.2026 41мин

  The election is 55 still days away, and it's looking like a tight one. And in the US the midterms are around the corner. America has a much bigger economy, and one that we have a lot of ties to. So how will these elections influence our domestic markets, if at all? Harbour Asset Management Co-CEO Chris Wilson joins Tim Beveridge to break down the facts.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Martin Hawes: Is a flexible Superannuation scheme worth it? 06.09.2026 40мин

  Earlier this week, an interesting proposal was made to shake up the way we use Superannuation. A report from Chartered Accountants Australia and New Zealand indicates a flexible choice of when people can start receiving NZ Super could improve affordability. Would this be worth it? And who should be considering this as an option? Financial Author Martin Hawes joins Tim Beveridge on Smart Money to discuss. LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Nick Crawford: How do you talk to your spouse about money? 30.08.2026 41мин

  One of the first lessons mum and dad teach you is "it's rude to talk about money".  But when it comes to family life, it's important to be open about financial matters with your spouse. And in the workplace, talking about wages is often the way to make sure you're getting the same treatment as everyone else. So how do you go about it? How do you break the taboo?  Managing Director at The Private Office Nick Crawford joins Tim Beveridge on Smart Money to discuss. LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Janet Xuccoa: Managing Director for NZ Family Trust Services on what assets should be in a trust 23.08.2026 41мин

  Trusts are no doubt a complicated thing.  There's a lot of moving parts, a lot of different parties involved, and most will be close to the Settlor, which can create it's own problems. So should you be thinking about getting a trust set up for your family? Managing Director for NZ Family Trust Services Janet Xuccoa joins Tim Beveridge to discuss when you should think about a trust, and what assets should be included. LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Hamish Pepper: What's the reasoning behind RBNZ's decision to hike the OCR? 16.08.2026 40мин

  The RBNZ recently hiked the OCR from 2.25% to 2.5%, and experts are expecting around another 1% of hikes over the next year, as managing inflation risks take priority over the weaker economy. But when will our economy start turning around? Hamish Pepper from Harbour Asset Management joins Tim Beveridge to discuss. LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Amanda Morrall: Does AI play a role in personal finance? 09.08.2026 40мин

  The Cost of Living Crisis has driven a lot of Kiwis to look for financial advice, and many turn to AI over a financial advisor. But is AI really that reliable as a source of financial advice? And investing in AI seems to be the thing to do at the moment, is it somethng you should be getting in to or watching with caution? Money Coach Amanda Morrall joins Tim Beveridge on Smart Money to discuss.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Rupert Carlyon: What's the first step for wanna-be investors? 02.08.2026 41мин

  When the cost of living crisis is driving your day-to-day costs up, putting money in to a Kiwisaver might not seem appealing.  But is it still important to keep the flow of money in to Kiwisaver going? And what do you do when you want to get started investing in an index fund? Founder and Managing director of Koura wealth Rupert Carlyon joins Tim Beveridge for Smart Money to discuss.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Andrew Bascand & Sue Walker: Harbour Asset Management Co-CEO and Harbour Asset Management Senior Manager discuss energy payments 19.07.2026 40мин

  Electricity and money go hand-in-hand. Every house needs power, and everything costs money.  So how do you balance the two in the midst of a Cost of Living Crisis? And what should you keep an eye out for that might impact the number on your energy bills? Harbour Asset Management Co-CEO Andrew Bascand & Harbour Asset Management Senior Manager Sue Walker join Tim Beveridge on Smart Money.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Sharon Chandra: Prenups can be challenged 12.07.2026 41мин

  More than 7800 divorces were granted last year, with nearly 6000 underage children seeing their parents split - that's about 8 divorces for every 1000 marriages.  Looking deeper, about 5 percent of marriages end in 5 years, 15 percent end within 10, and more than a third dissolve within 25 years. With marriage numbers already declining, and the cost-of-living crisis still biting, how does a couple go about splitting up amicably? What paperwork needs to be sorted? and how can we ensure our assets aren't treated as collateral? Family and Relationship Property Lawyer, Sharon Chandra, joins Smart Money to unpack what options there are. LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Sylvie Thrush-Marsh: What should you keep an eye out for in your employment contract? 05.07.2026 41мин

  Everyone has an employment contract, but what should you be aware of when presented with a new one?  Some key parts that you'd think are a given may also be missing, so what shoud you make sure you have? MyHR's Chief Evangelist Sylvie Thrush-Marsh joins Tim Beveridge to answer your employment questions.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Amanda Morrall: Don't pounce on every good deal you see 28.06.2026 41мин

  With Property becoming less of the golden-goose egg we've made it out to be, people are focusing more on how else they can be financially stable - and with that stability, comes being disciplined with your money - and keeping your spending affairs in order. But how can we do that with loyalty programmes encouraging us to save? and mid-year sales going around? How do we keep our eyes on the long-term goal, and stay on track with our savings? Where should we even start, if we're so far behind? Author of Money Matters, Finance Specialist and Mentor Amanda Morall - joins the Weekend Collective to help out. LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Nathan Stanners: The pros and cons of National's compulsory Kiwisaver policy 22.06.2026 40мин

  Generate Kiwisaver's Nathan Stanners joins Tim Beveridge to chat National's compulsory Kiwisaver policy - and whether it's a good policy for the our retirement savings pool.  They also talk how your risk profile should change the closer your get to retirement.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Janet Xuccoa: Your list of trustees has to be tight and reputable 07.06.2026 41мин

  Earlier this year, a Christchurch businessman was found borrowing millions of dollars against his family trusts for his clothing company - racking up a $3-million dollar spend. His sister prompted legal action, and two homes had to be sold as collateral. But that brings up a question - what can we leave behind for our children and family that won't just be squandered or swindled? Trusts and inheritance is a something most families will have to deal with when older-relatives pass, so how assured can we be that assets are protected? Managing Director for New Zealand Family Trust Servicers, Janet Xuccoa joins Tim Beveridge for Smart Money... LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Nick Crawford: Households will have to anticipate higher cost-of-living pressures 31.05.2026 41мин

  This week's budget announcement had a focus on sorting out the books, and no straight sugar hits for individuals.Infrastructure, healthcare and education seemed to be the clear priority of our fiscal plan, but three  relief for the cost-of-living pressure many face.  Along with that, council rates have gone up for Auckland and the South Island's West Coast, and the Reserve Bank's signalled that there will be an increase to the OCR shortly - so the period we've seen of low interest rates on a mortgage is coming to an end.  So how can we prepare ourselves for a toughening economy? Was it good that we didn't have any government handouts?  Managing Director for the Private Office - Nick Crawford - joins Tim Beveridge for Smart Money...  LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Amanda Morrall: What does it really take to retire in 2026? 24.05.2026 40мин

  Retirement is the time most people dream of, the days where you no longer need to work or study, and you can enjoy a slow and simple life. But what does it actually take to retire? And, when Super is under threat, and the only stable thing about the global economic climate is its instability, can we rely on the pension being there when we're ready to retire? Author of Money Matters Amanda Morrall chats to Tim Beveridge about how much money you really need to retire. LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Martin Hawes: Should the govt fund your retirement? 10.05.2026 41мин

  The age of retirement is back in the forefront of news this week after a report from the OECD recommended means testing the age of eligibility for NZ Super or risk an unsustainable rise in public debt.  The agency says New Zealand's ageing population will continue to become a prevalent issue as the government tries to pull the economy out of the red.  But some finance experts say we shouldn't be relying on the government to fund our retirements, and super should be treated as a bonus rather than a survivable income.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Nathan Stanners: Don't get too caught up with checking your KiwiSaver balance 03.05.2026 41мин

  All investment accounts are a bit touch and go at the moment.  If you're checking your KiwiSaver more than a few times a year, the amount of movement could really start to get to your head.  But for those close to or at retirement age, or about to withdraw for whatever reason - a volatile market can make all the difference.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Sharon Chandra: You can't DIY a divorce 26.04.2026 41мин

  Divorce is still one of those taboo topics we tend to avoid, but up to 40% of marriages end that way here in New Zealand, so it's probably about time we become a bit more comfortable with it.  It's not always a hostile end, some couples are even able to "DIY" their split in a sense - but is that really a good idea?  LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Janet Xuccoa: Most people should really have a trust 19.04.2026 40мин

  We often think of trusts as a way to protect your assets, especially if you work in certain fields - but a surprising number of regular families use them for a range of reasons.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
• 
  Andrew Bascand: Iran conflict impacts more than just gas prices 12.04.2026 41мин

  The hot topic on everyone's minds right now is the price of petrol and diesel.  It seems to be impacting the price of just about everything else, and we're staring down the barrel of a major risk of high inflation.  The OCR remains steady for now, but it's only a matter of time before interest rates are on the up once again.  LISTEN ABOVESee omnystudio.com/listener for privacy information.