Smart Money

Episodi

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  Rupert Carlyon: What's the first step for wanna-be investors? 02.08.2026 41min

  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.
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  Andrew Bascand & Sue Walker: Harbour Asset Management Co-CEO and Harbour Asset Management Senior Manager discuss energy payments 19.07.2026 40min

  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.
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  Sharon Chandra: Prenups can be challenged 12.07.2026 41min

  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.
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  Sylvie Thrush-Marsh: What should you keep an eye out for in your employment contract? 05.07.2026 41min

  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.
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  Amanda Morrall: Don't pounce on every good deal you see 28.06.2026 41min

  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.
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  Nathan Stanners: The pros and cons of National's compulsory Kiwisaver policy 22.06.2026 40min

  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.
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  Janet Xuccoa: Your list of trustees has to be tight and reputable 07.06.2026 41min

  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.
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  Nick Crawford: Households will have to anticipate higher cost-of-living pressures 31.05.2026 41min

  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.
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  Amanda Morrall: What does it really take to retire in 2026? 24.05.2026 40min

  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.
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  Martin Hawes: Should the govt fund your retirement? 10.05.2026 41min

  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.
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  Nathan Stanners: Don't get too caught up with checking your KiwiSaver balance 03.05.2026 41min

  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.
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  Sharon Chandra: You can't DIY a divorce 26.04.2026 41min

  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.
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  Janet Xuccoa: Most people should really have a trust 19.04.2026 40min

  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.
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  Andrew Bascand: Iran conflict impacts more than just gas prices 12.04.2026 41min

  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.
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  Amanda Morrall: Saving money with rising costs 29.03.2026 41min

  Prices are going up.  Food prices are up, and will keep going up alongside fuel. Practically any goods that travel by land air or ocean to get to you will become increasingly unaffordable for the foreseeable future.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
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  Rupert Carlyon: Global tension? Ignore your KiwiSaver 22.03.2026 40min

  Tensions are high for everyone right now, and I know most people will either be nervously checking their KiwiSaver balance on the daily, or completely ignoring it until things calm down a bit.  The most repeated advice advisors will be giving right now is to simply ignore your balance for the time being - that by the time the first bomb dropped, it was too late to change anything. But is that really true?  LISTEN ABOVESee omnystudio.com/listener for privacy information.
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  Chris Wilson: KiwiSaver changes need some tweaking 15.03.2026 41min

  From April 1st, the KiwiSaver minimum default contribution rate will move up to 3.5%.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
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  Nick Crawford: The mistakes people make with a windfall 08.03.2026 41min

  We've all found ourselves day dreaming about where we'd spend a big Lotto win at one point or another.  Realistically, many of us will come into a major windfall - but it's likely to come in the form of a bonus at work, or an inheritance.  Is it okay to buy a new car and go on holiday? Or should we invest it all?  LISTEN ABOVESee omnystudio.com/listener for privacy information.
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  Martin Hawes: Are you losing money on ethical investing? 01.03.2026 41min

  Ethical investing seems to be a hot topic when it comes to choosing an investment fund or KiwiSaver provider.  I've often heard providers boast that their fund is ethical - they avoid weapons manufacturers, focus on renewable and sustainable energy - you won't feel a possible sense of guilt around where your money is going.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
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  Shane Solly: Spots of recovery in the economy 15.02.2026 41min

  We've started to see spots of what looks to be recovery in our economy over recent months.  It's not consistent, but it's frequent enough to give us some hope for the year to come.  Westpac is picking a whole lot of OCR hikes from the end of this year, and other forecasts seem to set a similar scene - a better economy is coming, and rates will have to reflect that when the time comes.  LISTEN ABOVESee omnystudio.com/listener for privacy information.