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What’s your plan when AI comes for your job? As a financial adviser, I’m asking the same question. Social media is turning into your broker, tokenized assets are exploding, and Agentic Finance is about to change everything. In this video, I explore how AI agents could soon manage investments 24/7, why traditional “set and forget” strategies might become outdated, and what this means for everyday Kiwi investors and financial advisers. Is this the end of human advice, or the beginning of something better? Read More Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Trevor Topfer, from Blockchain New Zealand and Avatars Global, explores whether New Zealand risks missing the next boom in digital assets like tokenized real-world property, shares, and businesses. We're also covering opportunities for fractional ownership, liquidity, and accessibility for everyday investors, while touching on regulation, CBDCs, NFTs, AI's impact, and the upcoming Crypto Winter 2026 event in Queenstown. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Financial institutions like banks, nation states complete with their 'soft power' dynamics, and regulators, trying desperately to keep up. In the Wild West of digital assets, while some of us are trying to figure out if the Sheriff can catch up, this asset class is maturing. Paul Quickenden from Swyftx joins me to chat through how latest global events are shaping the future of crypto. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

In this one I pose the question - is it a given that NZ will head into stagflation, or could there be light at this end of this oil-shock tunnel? Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Keen for a qualified opinion from an economist who isn't an employee of one of the main NZ banks. I am! I think it's critical to understand the REAL impact of the oil shock coming our way to NZ, and how the RBNZ may be forced to respond. Inflation, recession, perhaps a bit of both, or something completely different? Enjoy. Special thanks to Andrew Hunt from Hunt Economics. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

In this episode, host Alan Clarke: Portfolio Manager for Diversified Funds and External Managers at Amova Asset Management, explains the Manager of Managers approach: tapping the world's top specialist fund managers to build smarter, globally diversified portfolios. With over 20 years in investment management, Alan breaks down how this strategy may work well considering interest rates, explosive AI growth and the ever present risk of a share market correction. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

You down with USD? Yeah you know me. Well, clearly not. My long term thesis is that this dies a death. Until this occurs however, USD denominated stablecoins will create demand for US Treasuries. This will cause interest rates to drop for any USD debt-based system. For everyday investor, this means property values go up. For a time, USD-denominated stablecoins will lower the cost of money for any nation who adopts it. The US could rule the world. Unless...of course...2026 sees the rise of the non-USD stablecoin. Special thanks to Ryan Johnson-Hunt from New Money. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

This April, the government's increasing the minimum contributions by 0.5% for employees and 0.5% for employer contributions. Too little, too late? Step in the right direction? Personally I think when the government intervenes, it may already be too late. We need to think of KiwiSaver as a core pillar of retirement provisioning, instead of a 'bit on the side'. We're driving around in de-tuned cars, because we've been trained to avoid volatility. In this one, I share the 3 simple turbochargers that you can slap on your cheap runabout, and turn into something you're excited about. Want to learn about how I can help with your KiwiSaver re-build? Let's have a free 15-min discovery call. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Chris Wilson, co-CEO of Harbor Asset Management, joins me as the spotlight goes on the narrative that bonds are dead going forward. Are institutional investors whistling past the graveyard by over-allocating to fixed income amid persistent geo-political tension, rising debt concerns, and uncertain market correlations in 2026? Or are many everyday, self-directed investors skipping bonds to chase stock upside, missing out on vital 'cushioning' for the volatility that may be here to stay. We may be wrong about bonds either way. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Will a higher OCR crash New Zealand property, or is that just what we need? In this episode we’ll unpack why bank economists are suddenly keen on future hikes, how that lines up with record profits and rising net interest margins, and what it all means for house prices, mortgage refixes, and already‑stretched Kiwi households. I’ll finish with how I’m setting my own mortgage terms right now – including a big 5‑year fix rolling off – so you’ve got a real‑world example to compare your own strategy against. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

The RBNZ’s OCR decision lands Wednesday, 18 February, and it's expected to hold at 2.25%. The deeper truth? Australian banks (ANZ, ASB, BNZ, Westpac) dominate New Zealand’s mortgage market, influence media and politics, and shape house prices and the economy at large. With fragile recovery signs amid persistent inflation, will their pursuit of wider margins on “safe” lending tip us toward Japanese-style housing stagnation? Rupert Carlyon of kōura Wealth joins to discuss. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Will gold, or bitcoin, come out on top in a monetary reset? Given the volatility in precious metals, bitcoin, and AI stocks last week, it's a timely reminder...All investments come with the chance of the price going down instead of up, and if you feel fear when markets wobble, just remember the possibility it might not be what your investing in that’s the problem. The best time to change your portfolio is not when you’re spiraling and wondering if you were wrong, but when it’s clear you were right. The best investments always wobble, the best investors, shouldn’t. Read more. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Crypto isn’t always the risk – we are. In this episode, I talk with Paul Holland about why everyday investors are losing billions to scams, how AI is super‑charging the problem, and what you can actually do about it. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank you to our show partners Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Passive retirement income sounds like the holy grail, right? Imagine the money quietly rolling in while your capital sits there untouched – perfect! Yet when you dig into how this is usually sold to retirees and pre‑retirees, it often turns into something very different: concentrated bets, misunderstood risk, and portfolio structures that look “safe” on the surface but are fragile underneath. Read more. Watch the YouTube Version here. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

In this one I'm a sharing recent episode from the Token Affairs podcast, the official BlockchainNZ podcast, hosted by Trevor and Bryan – two guys right at the intersection of industry, regulation, and innovation in the digital‑asset world. We're asking the question, do digital assets (bitcoin specifically) belong in a 'normal' investment portfolio? Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! The Bitcoin Adviser: Plan for intergenerational digital wealth. Hatch: For US markets. Revolut: For a new type of banking. Sharesies: For local, and international markets. Loan My Coins: Bitcoin lending product. Exodus: Get rewards on your first $2,500 of swaps Online courses: Take the free, 5-part online course Crypto 101: Crypto with Confidence Get Social: Check out the most watched/downloaded episodes here Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn. www.radicalinvestment.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!