Episodes
"Peer-to-peer lending providers match people who want loans with people who might be willing to fund those loans. You may be offered a high interest rate, but this is because you take more risk. What is peer-to-peer lending? When you invest via peer-to-peer lending, you're earning interest by loaning your money directly to an individual, small business, community group or charity. Borrowers list their request on a provider’s website, and investors browse the website to decide which loans to...
Published 10/14/21
The shortest way round is the longest way home. The desire to escape the rat race impulses New Zealanders into making poor financial decisions. I don't want that to happen to you so in this episode I break down how you can differentiate between good advice and bad advice.
Published 10/12/21
There will be a time where the market crashes impacting the majority of your portfolio. Not a pretty sight, is there something you could have done? In this episode I explain the power of commodities and why it's a pivotal part of every great portfolio. Book a Free appointment with Ryan  If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice:  Get A Free Book and Subscription To...
Published 10/10/21
Exchange traded funds are all the rage these days but there's one thing that has many experts worried. What do you think it is?
Published 10/07/21
Have you ever wondered what makes the New Zealand dollar go up and down? Why NZers brag about how much money they're making on the Forex, only to lose it all the next day? The objective of this episode isn’t to encourage you to invest this way but instead, give you the financial know how to recognise the difference between a great investment opportunity and a speculative bet. Book a Free appointment with Ryan  If you're wanting your question answered on the podcast email me at...
Published 10/05/21
You might have heard of terms like futures, options, swaps and CFDs. What in god’s name could it all mean and why should you care? In this episode, I explain in plain English, the power of derivatives and why they’re an important financial instrument in your investment tool kit. Book a Free appointment with Ryan     If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice:  Get A Free...
Published 10/03/21
"What is crowdfunding? Crowdfunding works by many people (the crowd) putting in small amounts of money to raise funds for a company or project. When you put money into an equity crowdfunding project, you're buying shares. Typically this will be in small or start-up businesses, meaning you become a part owner of the business. Crowdfunding is also often used to describe donation or rewards-based fundraising. In those cases, supporters receive rewards (for example tickets to a show or a credit...
Published 09/30/21
"Cash investments are relatively safe because you’re promised a fixed interest rate. But the returns you get through interest rates tend to be low, so they’re not always the best option – particularly if you’re saving for retirement. About cash investments Cash investments include savings accounts and term deposits with a bank, credit union or building society. You can also invest cash through a managed fund (this includes KiwiSaver) which pools together money from individuals for...
Published 09/28/21
"Capital notes are often issued by well-known banks, but are riskier than bank deposits. They may not be suitable for many investors. A household name and high headline rate of return alone are not good reasons to invest. You also need to understand the complex and potentially risky nature of these investments, and whether they are suitable for you. What are bank capital notes? Banks must hold a certain amount of ‘capital’ to make them less likely to become insolvent (go out of...
Published 09/26/21
The Ultimate Guide To Investing In Bonds. "Bonds are loans from investors to governments and companies for a fixed length of time, or term. Although typically they don’t have the high returns of other financial investments, they are seen as essential to any portfolio. They aren’t just limited to big institutional investors – everyday investors can use them to diversify their portfolios and spread risk." Source: https://www.fma.govt.nz/investors/resources/bonds-guide/
Published 09/23/21
"What are binary options? Also called ‘all-or-nothing’, ‘fixed return options’ or ‘digital options’, binary options enable you to make (or lose) money by predicting the short term movements in the price of a share, commodity, currency or index. Usually, the timeframes are short and you don’t have long to make your call – in some cases less than a minute. For example, you might put money on your guess that a share will trade above its current price in the next hour. If you guess correctly you...
Published 09/21/21
A managed fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, property, and other assets. Managed funds are operated by professional fund managers, who allocate the fund's assets and attempt to produce capital gains or income for the fund's investors. A managed fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus. Managed funds give small or individual...
Published 09/19/21
"Cryptoassets are treated as a form of property for tax purposes. While there are different types of cryptoassets, the tax treatment depends on the characteristics and use of the cryptoassets. It does not depend on what they are called. In most cases, the amounts you get from selling, trading or exchanging cryptoassets are taxable (this includes when you exchange one type of cryptoasset for another). You may have to pay tax because you’re: 1. Acquiring cryptoassets for the purpose of...
Published 09/16/21
Over half a million Kiwis are living in Australia with a potential taxation nightmare the moment they return home.  In this episode we explore buzz words like capital gains tax, non-resident withholding tax and financial arrangements. Answering the big questions: Are you better off transferring your Australian Super to KiwiSaver? Can a New Zealand resident buy property in Australia? What are the tax implications of owning property in Australia? So, many questions so little time. Who will...
Published 09/14/21
Simran the co-founder of one of the largest investing education podcasts in the world, Girls That Invest, shares her journey, insights and how she turned a frustrating experience into a podcast powerhouse. Book a Free appointment with Ryan     If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice:  Get A Free Book and Subscription To Ryan's Weekly Newsletter                    ...
Published 09/12/21
Quick Fire Finance Of The Day: "I want to start thinking about investing my money and/or saving for the future but I am a student and don’t have consistent income. I have about $10,000 in savings but since interest rates are so low at the moment I am looking at investing. Also any tips for future proofing your money while at uni?
Published 09/09/21
"How the Family Court divides relationship property General principles The judge will be guided by some general principles when they divide your relationship property: men and women have equal status each partner has made an equal contribution to the relationship so relationship property should usually be shared equally (50:50) it usually doesn’t matter if 1 person is more responsible than the other for the break-up of the relationship unpaid work, such as caring for children and...
Published 09/07/21
"Please would you let us know your thoughts on Michael Burry’s view that ETFs and index funds are the next bubble. Have just invested a fair bit through InvestNow and Simplicity. Michael Burry of ‘The Big Short’ says he has found the next market bubble Here is the CNBC article." Source: https://maryholm.com/nz-herald-27-february-2021/ Book a Free appointment with Ryan     If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or...
Published 09/05/21
"Property is divided into two categories, relationship property and separate property. What is “relationship property”? Property (Relationships) Act 1976, s 8 Relationship property is the property that must be divided between the parties when their relationship ends. Relationship property will usually include: family home and chattels (including the family car, household furniture and effects, and anything else owned by the family or used for family purposes). These are all usually...
Published 09/02/21
"Usually a relationship will need to have lasted at least three years for the PRA’s equal-sharing regime to apply. However, sometimes shorter relationships (where there are children or a partner has made a substantial contribution) will also qualify if that would be just. A relationship that has not lasted for three years is classified as a “relationship of short duration” and different principles are applied in dividing the property. Where a couple has been in a de facto relationship and...
Published 08/31/21
Ben Male Founder of Team Empathy: "People go into business to help other people ❤️Whether it's local services, fresh produce, tangible products or digital goods; we're all in the business of making other lives better. When we're online like on Google, we show up as a way of solving someone's problem or answering their question. In doing so we help out, add value, and an exchange usually happens so you as a business can carry out that support. Our vision at Team Empathy is to help you help...
Published 08/29/21
"The Property (Relationships) Act 1976 deals with how the property of married couples, civil union partners and de facto couples is divided when a relationship ends. The Act covers a relationship ending because of a break-up, but it can also cover a relationship ending because of the death of a spouse or partner. The purpose of the Act is to recognise the equal contributions of both partners to their relationship and to provide for a just division of property when their relationship ends,...
Published 08/26/21
"There are different types of land ownership in New Zealand. The type of ownership has a direct impact on what you can and cannot do with the property. There are four main types of property ownership in New Zealand – freehold, leasehold, unit title and cross lease. Freehold, also known as fee simple, is the most common ownership type in New Zealand. Leasehold is when someone else owns the land. You purchase an exclusive right to possession of the land and the buildings on it for a specific...
Published 08/24/21
"'We are saving via a small basket of shares as a long-term investment, including a couple of managed funds and an index fund. I appreciate your advice(Mary Holme) that it’s the best way for an amateur to invest. However, given more and more amateurs investing in the share market via KiwiSaver, Sharesies or otherwise, is there a chance of these funds becoming over-valued because of popular appeal? Particularly in New Zealand where there’s only a fairly small range of products available. What...
Published 08/22/21
What you need to be mindful of when you're nearing the end if the sale --- Send in a voice message: https://anchor.fm/ryanjmelton/message
Published 08/19/21