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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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.

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 ABOVE See omnystudio.com/listener for privacy information.