Smart Money

Episodes

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  Martin Hawes: How much money do you need to retire? 01.11.2026 41m

  One of the biggest costs elderly people face is retirement living costs. There's no set number for how much money is needed, no benchmark. It's frustratingly personal. So how much do you need to retire? Martin Hawes joins Tim Beveridge to discuss the costs of retireing, and how much should be tucked away. And with the election round the corner we'll take a look at what policies could affect investments, wealth transfers, and the like.  LISTEN ABOVESee omnystudio.com/listener for privacy information.
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  Janet Xuccoa: Who needs a will? 25.10.2026 41m

  What you leave behind when you're gone is probably on a lot of peoples' minds, regardless of age.  But is a will something everyone should have? Or is it something to think about once you have a family, or reach a certain age?  Managing Director for NZ Family Trust Services Janet Xuccoa joins Tim Beveridge for Smart Money. LISTEN ABOVESee omnystudio.com/listener for privacy information.
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  Chris Wilson: Concerns for investing in AI are valid as new technology can attract too much capital, too quickly 18.10.2026 41m

  Australian data-centre developer - Firmus - have stalled in securing funds for more build-outs, with investors unsure of the pricepoint, and how much of the growth depends on earnings that are yet to arrive. So has the value of AI had its reality check? Investors have happily funded AI chips, AI software and AI infrastructure for years, but are public markets finally pushing back on valuations? Given the money that's closely tied to AI and its promises to improve everyday life, are we walking into a bubble that's bound to pop, or running late on the AI boom? Harbour Asset Management's Chris Wilson explains the risks to Tim Beveridge for Smart Money...  LISTEN ABOVESee omnystudio.com/listener for privacy information.
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  Nathan Stanners: Stronger KiwiSaver policies are needed as less people are retiring with enough 11.10.2026 41m

  More New Zealanders are looking to their Kiwisaver to get them to the future, or to their first-home with the property market on a down-turn.  Because of that, the election's become a more vested interest for voters, with the future of their KiwiSaver determined by what Government forms. So what are parties promising, where do they differ, and what would it mean for our funds? ACT's proposed tax cuts on our Kiwisaver at the cost of the scrapping Government contribution, National's proposed an incremental increase on the default contribution, and Labour wants to boost employer contributions. What does that all mean for us who may be retiring soon, looking for a first home, or just entering work? Generate Kiwisaver Advisor Nathan Stanners joins us Tim Beveridge for Smart Money... LISTEN ABOVESee omnystudio.com/listener for privacy information.
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  Amanda Morrall: It's time to start investing in your KiwiSaver 04.10.2026 41m

  It seems like New Zealand's fallen out of love with the property-market hype - the pre-election economic and fiscal update last week basically confirmed it.  So where should we start looking when it comes to investing, and saving up? You've heard about people doing the age-old method of buying antique collectibles, luxury watches, gold, and art-pieces - and you've heard about the newer investment crazes like crypto, NFTs, and even trading cards - and you just think... this has to be a bubble that's bound to pop, right? How do we go about shifting a bit of our money out of the property-sector, and into something more secure? Is security even guaranteed or is there just a bit of luck involved? Finance Specialist and Author of Money Matters, Amanda Morrall joins Tim Beveridge on Smart Money...  LISTEN ABOVESee omnystudio.com/listener for privacy information.
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  Rupert Carlyon: Parties should be focusing on banks not supermarkets 27.09.2026 40m

  There has been a lot of supermarket chat over the past couple of years, and it's ramping up now that we are headed into the election.  National wants to split up Food Stuffs, the Greens want to build KiwiMart, ACT wants regulatory barriers reduced so new competitors can enter, and Labour has proposed separating the wholesale and retail operations of both major supermarket groups. But, Koura Founder Rupert Carlyon says messing with supermarkets will not help the average kiwi household, it is instead banks we need to focus on LISTEN ABOVESee omnystudio.com/listener for privacy information.
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  Sylvie Thrush Marsh: There are many avenues to take employment disputes 20.09.2026 40m

  The workplace is often dynamic - young people make their way in, technology change how things are done, new talent shift the team culture, and dress codes can differ from strict to casual. With the rise of remote and hybrid-jobs these days, what do employers and employees need to see eye-to-eye on? How much flexibility should both sides expect, and where can they compromise? And with people these days staying for a shorter time with their employer, before finding another job, how can they secure the best reference? Sylvie Thrush Marsh, Chief Evangelist at MY HR - speaks with Tim Beveridge for Smart Money...  LISTEN ABOVESee omnystudio.com/listener for privacy information.
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  Chris Wilson: How will the US and NZ elections affect the markets? 13.09.2026 41m

  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.
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  Martin Hawes: Is a flexible Superannuation scheme worth it? 06.09.2026 40m

  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.
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  Nick Crawford: How do you talk to your spouse about money? 30.08.2026 41m

  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.
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  Janet Xuccoa: Managing Director for NZ Family Trust Services on what assets should be in a trust 23.08.2026 41m

  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.
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  Hamish Pepper: What's the reasoning behind RBNZ's decision to hike the OCR? 16.08.2026 40m

  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.
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  Amanda Morrall: Does AI play a role in personal finance? 09.08.2026 40m

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

  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 40m

  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 41m

  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 41m

  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 41m

  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 40m

  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 41m

  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.