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PODCAST

It"s No Secret

It’s No Secret is a podcast for Kiwis who want their money questions answered.Are you wondering when the right time to get on the property ladder, whether you should invest with family or how to talk to your significant other about investing and budgeting?If yes, you’re in the right place. Join the Kernel team, alongside some special guests, as they take you through the ins and outs of all things finance, money, property, investing and building wealth so you can move towards achieving financial

business investing

All Episodes

63:11

Money Moments: Cat & Christine - 2024 End of Year Update

It"s No Secret ·

2024/12/24

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.This time, the real Kiwis are us! In this episode, we’re back in the hot seat to update you on what’s going on financially with our lives. Our last check-in was back in September 2024, so let’s get stuck on what we've been up to since.Note this recording was filmed in November 2024Link to the budgeting spreadsheet hereIf you enjoyed today's show, we'd LOVE for you to rate & r...

en-nz

47:04

99. The Money-Mindset Connection: Why Your Thoughts...

It"s No Secret ·

2024/12/17

Can your mindset make you richer? Today we explore how your thought patterns influence your financial life, inspired by fascinating research showing positive mindsets can add years to your life. We'll dive into how shifting from scarcity to abundance thinking could transform your financial future.Key Questions Discussed:What's the difference between scarcity and abundance mindsets?How do thought patterns affect financial decisions?What practical steps can you take to shift your mindset?W...

en-nz

34:56

Money Q&A: Is the Global 100 Diversified?

It"s No Secret ·

2024/12/10

In this Q&A episode, we tackle a common concern about the Kernel Global 100 fund: concentration risk. With just 10 companies making up over 58% of the fund*, we'll explore whether this concentration is a feature or a bug of market-weighted indices.Specifically, we chat about:What is market-weighted indexing?How does equal-weighted indexing differ?What are the advantages and disadvantages of concentration?What risks should investors consider?Why do some companies dominate the index?When mi...

en-nz

38:19

98. How to Financially Thrive Throughout the Holidays

It"s No Secret ·

2024/12/03

The holiday season is here, and with it comes increased spending pressure. With recent Worldline data showing Kiwis spent $2.65 billion in just the first three weeks of December, we're diving into how to navigate this expensive period without breaking the bank.Key Questions Discussed:What's a reasonable budget for Christmas gifts?How can you plan for holiday expenses?What are smart alternatives to traditional gift-giving?How do you manage social expectations during the holidays?What free or l...

en-nz

31:41

97. City vs Rural: Where Should You Buy Your Home?

It"s No Secret ·

2024/11/26

Is the grass really greener (and cheaper) in the countryside? Today we're exploring the financial reality of city versus country living in New Zealand. With Auckland's median house price at $970,000, we'll investigate whether moving to regions like Gore, where houses trade around $400,000, could be your ticket to mortgage-free living.Key Questions Discussed:What are the current house prices across NZ's main centres?Which NZ towns offer homes under $500,000?How do job opportunities compar...

en-nz

44:07

96. Which Insurances Do I Need? Part 2

It"s No Secret ·

2024/11/22

In this follow-up episode, we dive into how to calculate your ideal insurance coverage. We'll help you understand exactly how much protection you need and what factors to consider.Key Questions Discussed:How do you calculate your ideal coverage amount?What's the difference between stepped and level premiums?Do couples need individual or joint policies?What are common policy exclusions?When should you review your coverage?and much more!If you enjoyed today's show, we'd LOVE for you to rate &am...

en-nz

42:19

95. Which Insurances Do I Need? Part 1

It"s No Secret ·

2024/11/19

Today we're tackling a crucial but often overlooked topic: how to calculate your life insurance needs. With recent FSC research showing only 20% of New Zealanders have income protection insurance, we'll break down the essentials of personal insurance and help you figure out exactly how much coverage you need.Key Questions Discussed:What are the different types of life insurance available?How do you calculate your ideal coverage amount?What's the difference between stepped and level premi...

en-nz

47:38

Being Poor But Driven, Open Banking and Embracing...

It"s No Secret ·

2024/11/12

In this Money Moments episode we're joined by Jason Leong, CEO and Co-Founder of PocketSmith. From humble beginnings to leading a global fintech company serving customers in 190 countries, Jason shares his money journey and the story behind PocketSmith's growth.Specifically, we chat about:What shaped Jason's relationship with money and financial habits?Why PocketSmith chose sustainable growth over rapid scalingHow PocketSmith manages a remote team across New Zealand and embraces individuality...

en-nz

35:56

94. How Much Do I Actually Need to Retire?

It"s No Secret ·

2024/11/05

How much money do you really need to retire? In this eye-opening episode, we break down the real numbers behind retirement planning in New Zealand. With recent Retirement Commission research showing that 65% of people over 55 have no concrete retirement plan, we'll help you understand what you need and how to get there.Key Questions Discussed:What's the difference between a 'no frills' and 'choices' retirement?How much does NZ Super actually provide?What are the current retirement saving...

en-nz

43:48

93. How to Approach A Financial Break Up

It"s No Secret ·

2024/10/29

Today, we're discussing how to break up financially—not just with a significant other.Breakups are challenging, and they aren't limited to romantic relationships. Whether you're parting ways with a service provider like a personal trainer or financial adviser, or even becoming financially independent from your parents, there are strategies to help ease the transition and handle the situation effectively.Key Questions Discussed:How do you professionally end financial relationships with service...

en-nz

17:39

92. What Happens to My Investments When I Pass Away?

It"s No Secret ·

2024/10/22

In this episode, we tackle a crucial yet often-overlooked topic: what happens to your investments when you pass away? Understanding what happens to your assets is essential for ensuring your loved ones are taken care of and the outcome you intended is achieved.Specifically, we chat about:What is the importance of having a will for your investments?We run through a scenario of what happens in default with your estate if you don't have a will in placeWhy it's important to seek legal advice from...

en-nz

28:42

91. How to Diversify Your Investments

It"s No Secret ·

2024/10/15

In this episode, we revisit the concept of diversification in investing. Understanding how to spread your investments is important, especially in helping manage risk. Specifically, we chat about:What is diversification and why is it important?How can you diversify your investments across asset classes, geography, sectors, and company sizes?How many stocks do you need to achieve effective diversification?How can you identify signs of under-diversification or over-diversification in your p...

en-nz

25:35

90. Mortgages 101 | Part 2

It"s No Secret ·

2024/10/11

In the second part of our mortgage series, we dive deeper into the practical steps of purchasing your dream home. From assembling a reliable support team to finalizing your settlement, we've got you covered:Specifically, we chat about:Who should be on your support team, and why are they essential to the home buying process?Why is building and contents insurance essential, and how early should you secure it?What is the importance of conducting property inspections before proceeding with an auc...

en-nz

29:04

89. Mortgages 101 | Part 1

It"s No Secret ·

2024/10/08

In this 2 part episode, we'll be chatting about the step by step on how to buy a house. Whether you're a first-time buyer or a seasoned pro, we outline the steps you'll need to take, including some tips to take to help make your house hunt easier both mentally and hopefully financially.In this episode, we cover:When should you set your goal to buy a house, and is your timeline flexible?What is the ideal deposit amount you should aim for, and what are the implications of different percent...

en-nz

38:20

88. The Psychology of Index Investing

It"s No Secret ·

2024/10/01

In this episode, we're joined by an expert guest - Cam Irvine.Cam brings extensive experience from the financial services industry, having worked for one of the most successful mutual fund managers in the US before becoming a highly qualified NZ financial planner.Specializing in working with ex-pats and those with significant property-based wealth, Cam is a passionate advocate for data-driven investing.Today, he's here to do a deep dive into index investing with a focus more on the psychology...

en-nz

61:54

Airbnb Horror Story, Taylor Swift & FOMO | Money...

It"s No Secret ·

2024/09/24

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.In this episode, we’re back again in the hot seat to give you an update on what’s going on with our lives financially. Our last check-in was back in May - about 4 months ago so there is catching up to do. Let’s get stuck in!Specifically, we discuss:Christine's recent horror Airbnb story An update on Christine's recent exercise and health habitsWhy Cat is considering getting ...

en-nz

70:44

Ubering Gym Bags, Valuing Time & Investment Property...

It"s No Secret ·

2024/09/17

In this week’s episode of Money Moments, we chat with Ravi Chand, Operations Manager at Lighthouse Financial. Ravi shares his money habits and the journey that got him to where he is today.Specifically, we discuss:The money mindset(s) he uses daily to manage his lifestyleWhat money habits he’s proud of (and a few he’s embarrassed by)How he found a creative way to get on the property ladder with his first homeWhat retirement looks like for him in the long termIf you enjoyed today's show, we'd ...

en-nz

51:06

Farming Sustainable Wool, Country Calendar & Growing...

It"s No Secret ·

2024/09/10

Today, we’re back with another Money Moments episode, where we chat with real Kiwis about their experiences with money. In the hot seat today is Sophie Hurley.Sophie is a farmer, mum, and the founder of Honest Wolf, an ethical New Zealand luxury wool brand. Recently, she was honoured with the 2023 Supreme Award and Emerging Business Award at the Rural Women NZ Business Awards. She and her husband have also been featured on Country Calendar.We dive into Sophie’s journey, exploring how she buil...

en-nz

29:22

87. Alternatives to Investment Property

It"s No Secret ·

2024/09/03

Send us a textIn this week’s episode, we chat about something near and dear to many Kiwi investors—investment property!When it comes to investing, many Kiwis often default to the dream of owning multiple properties with the hope of benefiting from capital gains and that sweet rental income. But are investment properties the only way to set ourselves up for financial success? More importantly, will this obsession with investment property continue given the current rules and regulations?Tu...

en-nz

34:18

5 Years of Kernel: Entrepreneurship Challenges and...

It"s No Secret ·

2024/08/27

Send us a Text Message.In this episode of Money Moments, Christine catches up with Dean Anderson, the founder and CE of Kernel.It’s been two years since Dean last appeared on the podcast, so we thought it was the perfect time for him to update us on both his professional journey and personal milestones.In this episode, we discuss:The toughest and most rewarding aspects of running KernelSignificant personal and financial changes Dean has experienced in the last two yearsWhat drove Dean’s decis...

en-nz

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