Ep 220: Timing The Markets
It's time in the market not timing the market. We've all heard that in a theoretical sense but what about in reality? How do we mitigate the fluctuations in the market to achieve our objectives?
Episodes
NZ Business Owners
Step into the world of NZ Business Owners, where we explore the complexities of life and entrepreneurship in New Zealand.
From the deep-seated beliefs and values that guide these entrepreneurs to the strategies they use to navigate the twists and turns of success, we dive into the depths of the human experience.
Whether you're interested in business, personal growth, or just curious about what it takes to succeed, join us on this journey of self-discovery and explore the many facets of the human spirit.
Episodes
Ep 219: Without This One Thing You Could Lose Everything
I was robbed six times over the course of two weeks. Not something you expect but something that happens many times over here in New Zealand. The biggest consideration in this realisation is preparing for the best and worst-case scenarios. Not because I want you to have a morbid view of the world but more that I want you to be in a position where you do well durings times of growth and contraction. You also like many New Zealanders, may have the majority of your wealth tied up in lifestyle asset...
Ep 218: The Next Crash
What is the real concern for investment markets?
Ep 217: The Secret to Happiness
When I only had $20 to my name, three days of food and a two-person tent I wrote down a dream. I want to build a business centred around helping people achieve emotional success. At the time, it seemed like a far-fetched idea. Who would listen to a 23-year-old about success? I know now that was my insecurities talking because it’s more about reps than it is about age. Whoever has completed the most thoughtful repetitions wins. The part that held me back was my ability to communicate and a crippl...
Ep 216: Is the Reserve Bank Destroying The NZ Economy?
Many of you would have heard of the Reserve Bank of New Zealand but what do they even do and why are they letting inflation get so out of hand?
Ep 215: Before You Kill Yourself Please Listen To This
I have had countless conversations with people on the verge of suicide where if they hadn't reached out they might not be here. I know someone listening right now has those very same thoughts. I just want you to know that you're not alone, that someone out there cares about you and if you just gave someone the opportunity to try understand your pain then they might be the very reason you're still here. So, anyone listening to this that's considering taking their own life, or know someone that is...
Ep 214: Leveraging Your Way To Financial Freedom
Since July 1998 a floating rate mortgage has averaged 7% with a 2 year fixed rate mortgage being 6.5%. Best case scenario a growth fund provides an after tax return of 6%. Meaning even after the low interest rate environment rate we're experiencing now mortgage rates have outpaced the benefit of investing.
Ep 213: KiwiSaver, How do you Pick It?
With so many options out there it can be hard to distinguish between a good KiwiSaver fund and a great KiwiSaver fund. Many will have you believe it's just about fees and returns but they couldn't be further from the truth. Let me explain
Ep 212: NZ Economy on the Verge of Collapse
The whole financial system is about to collapse and there's nothing we can do about it. At least that's what the newspapers would have you believe. They are right though, just for the wrong reasons. The markets have a natural flow, like seasons, except winter comes each decade instead of each year. Sometimes the seasons are longer but for the most part humans get so enraptured by greed it's usually just a matter of time. I share this with you not to scare you but to show that diversification isn...
Ep 211: Investing 101
In this episode I share the underlying investment principles that meant over the 33 years of being in business our clients have never lost any money.
Ep 210: Is NZ's Public Health System Broken?
Medical care is free, why would I need insurance? One of the most misunderstood insurances in New Zealand is medical. We think it's only countries like America that need it but there's an aspect of our public health system that's really letting Kiwi's down. Listen to the episode to find out what it is.
Ep 209: Govt Offers $200k To First Home Buyers
The first home partner is an interesting policy brought in by our government. It might be for you it might not. Only one way to find out.
Ep 208: Will Your Savings Be Enough?
Losing your ability to work can hit you and your family hard. Sure there are instances where ACC or Work and Income can help, but, what if you want more? If this is your mindset then you might consider something like disability cover. The main distinction between this and trauma cover is it’s based on your ability to work. Has the injury or illness hindered you from doing your job? There are a few potential hangups with this cover that I go through in this podcast so it’s worth having a listen. ...
Ep 207: Could Inflation Bankrupt New Zealand?
The real threat to businesses isn’t Covid its interest rates. It’s inevitable, inflation is just too high. The reserve bank needs to do something. Inflation has launched up to 4.9% It’s just a matter of time. I don’t have a crystal ball but what I do have is call after call with people over capitalised. Planning their future based on a 3% interest rate. It could very well remain that way but if you’re not stress testing your assumptions then you’re putting yourself at risk. Start the conversatio...
Ep 206: Is The Pension Running Out Greg Moyle?
"Hi Greg, I'm wondering if you could ease my concerns about New Zealand Superannuation. I'm 35 years old and I don't think the government will have enough money to pay my pension in retirement. In 2006, only 12.3% of NZers were over the age of 65. Now in 2018, that number has risen to 15.2% with Stats NZ predicting by 2048 the number of people in that age demographic will be 1.36 - 1.5 million people. I just can't see the $55 billion Super Fund paying for it. Am I being irrational or is this a r...
Ep 205: Could This Happen To You?
The world's soil is being depleted of nutrients, obesity is climbing at alarming rates with a devasting amount of NZers showing signs of anxiety and depression. This alarming realisation isn’t designed to scare you, but instead, open your eyes to the possibility of things not going the way you expect. At some point, you could very well suffer from a serious illness or injury. It’s just an inevitable reality. Which begs the question, should you roll the dice with the expectation everything’s goin...
Ep 204: Do This 1 Thing Before It's Too Late
Life insurance is the unsung hero of estate planning. Sure you hear the stories of misleading insurance brokers and greedy providers but if you take the time to understand the wording of the policy and what you’re covered for, then it can really do a lot for you and your family. I can think of an instance with Greg where his late wife in her thirties was diagnosed with terminal cancer and only given 6 months to live. She would go on to live for another 8 years where, in between looking after two...
Ep 203: 7 Tips To Improve Your Sleep By Neuroscientist Andrew Huberman PhD
In this episode we explore one of the most important topics we've never discussed, sleep. An epidemic impacting more people than Covid. If you're not optimising your sleep you're putting yourself at risk of heart attacks, strokes, dementia and depression. So to ensure that doesn't happen to you listen as I break down the teachings of Stanford Professor Andrew Huberman. The advice of Dr. Huberman is quite simple: If you drink anything that interferes with your Adenosine (like coffee and energy dr...
Episode 202: The Psychology of Investing
We see the world through our mind. You might have heard of the hypothesis that we're all living in a simulation. Which sounds too far fetched to be true but it almost is. The nervous system acts as a road map for our experience where even with good intentions our neurons can fire outside our objective reality. Where we look at the world through the same lens but different filters.
Ep 201: Invest Like Warren Buffet
I know no matter what I say many of you are going to invest into shares. So in this episode I break down the latest school of thought relating to all things investing.
Ep 200: Is Property A Bad Investment?
Most New Zealanders accumulated their wealth through the power of property. With prices at record highs it feels like you're missing out if you don't invest now. But there's an essential question often never asked; do you enjoy it? Book a Free appointment with Ryan If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz , send a voice message below or capitalise on our free online tools and advice: Get A Free Book and Subscription To Ryan's Weekly News...
Ep 199: Making Money From A Mortgage
"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 inve...
Ep 198: How To Know You're Being Scammed
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.
Ep 197: Is Gold A Good Investment?
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 ryan@oneplan.co.nz, send a voice message below or capitalise on our free online tools and advice: Get A Free Book and Subscription To Ryan's Week...
Ep 196: Are ETFs A House Of Cards?
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?
Ep 195: The Secret To Forex Trading
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 ryan@oneplan....
Ep 194 : 4 Investment Hacks Elite Fund Managers Use
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 ryan@oneplan.co.nz , send a voice message below or capitalise on our free online tools and advice: ...
Ep 193: The Unicorn Of Investing
"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 on a...
Ep 192: 2 KiwiSaver Essentials
"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 investments, m...
Ep 191: 1 Thing Stopping NZ Banks From Collapsing
"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 business). Banks ...