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Kernel
New Zealand
เข้าร่วมเมื่อ 18 ต.ค. 2019
Kernel is on a mission to help everyone become wealthier. We’re a platform offering a range of investment products and innovative tools and technology to grow wealth - with ease and all in one place.
We’re passionate about leveraging technology and our financial expertise to create the best way to grow and manage money. Our trusted passive investment approach takes the guesswork out of creating a diversified portfolio while remaining cost-effective and accessible.
We help busy and ambitious Kiwis including families, individuals, iwi groups and charitable trusts achieve their goals, gain financial stability and unlock more opportunities.
We’re passionate about leveraging technology and our financial expertise to create the best way to grow and manage money. Our trusted passive investment approach takes the guesswork out of creating a diversified portfolio while remaining cost-effective and accessible.
We help busy and ambitious Kiwis including families, individuals, iwi groups and charitable trusts achieve their goals, gain financial stability and unlock more opportunities.
96. Personal Insurances: Do I Need It? Part 2
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?
**DISCLAIMER**
For more information on risks and other features of the Kernel Funds and the Kernel KiwiSaver Plan, please see the Product Disclosure Statements, available at www.kernelwealth.co.nz. You can read our Terms of Use at kernelwealth.co.nz/terms-and-conditions.
This information is general only, is not personal financial advice, and is not a recommendation to invest in any fund or adopt any particular strategy.
...
About Kernel
Kernel is on a mission to help everyone become wealthier. We’re a platform offering a range of investment products and innovative tools and technology to grow wealth - with ease and all in one place.
Follow us:
Instagram: kernel_wealth
Facebook: kernelnz
Linkedin: nz.linkedin.com/company/kerne...
Blog: kernelwealth.co.nz/blog/
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?
**DISCLAIMER**
For more information on risks and other features of the Kernel Funds and the Kernel KiwiSaver Plan, please see the Product Disclosure Statements, available at www.kernelwealth.co.nz. You can read our Terms of Use at kernelwealth.co.nz/terms-and-conditions.
This information is general only, is not personal financial advice, and is not a recommendation to invest in any fund or adopt any particular strategy.
...
About Kernel
Kernel is on a mission to help everyone become wealthier. We’re a platform offering a range of investment products and innovative tools and technology to grow wealth - with ease and all in one place.
Follow us:
Instagram: kernel_wealth
Facebook: kernelnz
Linkedin: nz.linkedin.com/company/kerne...
Blog: kernelwealth.co.nz/blog/
มุมมอง: 5
วีดีโอ
95. Personal Insurances: Do I Need It? Part 1
มุมมอง 1012 ชั่วโมงที่ผ่านมา
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...
Being Poor But Driven, Open Banking & Individuality | Money Moments with PocketSmith CEO Jason Leong
มุมมอง 73วันที่ผ่านมา
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 growt...
94. How Much Do I Actually Need to Retire?
มุมมอง 22314 วันที่ผ่านมา
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 'c...
93 How to Approach A Financial Break Up
มุมมอง 2421 วันที่ผ่านมา
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 e...
92. What Happens to My Investments When I Pass Away?
มุมมอง 53หลายเดือนก่อน
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...
91. How to Diversify Your Investments
มุมมอง 104หลายเดือนก่อน
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 div...
90. Mortgage 101 | Part 2
มุมมอง 70หลายเดือนก่อน
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 shoul...
89. Mortgages 101 | Part 1
มุมมอง 77หลายเดือนก่อน
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? - W...
88. The Psychology of Index Investing
มุมมอง 221หลายเดือนก่อน
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...
Airbnb Horror Story, Taylor Swift & FOMO | Money Moments with Cat & Christine
มุมมอง 89หลายเดือนก่อน
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 Airb...
Ubering Gym Bags, Valuing Time & Investment Property | Money Moments With Ravi Chand
มุมมอง 712 หลายเดือนก่อน
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 lifestyle What 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 ...
How to Invest for Your Child's Future | Hey Kernel
มุมมอง 581ปีที่แล้ว
How to Invest for Your Child's Future | Hey Kernel
Why ETFs Are Unsuitable for Kiwi Investors | Hey Kernel
มุมมอง 1.8Kปีที่แล้ว
Why ETFs Are Unsuitable for Kiwi Investors | Hey Kernel
The Active vs Passive Investing Debate | Takeaways From SPIVA Data
มุมมอง 309ปีที่แล้ว
The Active vs Passive Investing Debate | Takeaways From SPIVA Data
The Rise of Index Investing a Discussion with S&P Dow Jones Indices
มุมมอง 237ปีที่แล้ว
The Rise of Index Investing a Discussion with S&P Dow Jones Indices
The Future of Investing: Going Beyond Sustainability
มุมมอง 1302 ปีที่แล้ว
The Future of Investing: Going Beyond Sustainability
I always thought it was 25% as it's related to the 4% Safe Withdrawal Rate?
The 20 rule is the general rule of thumb used in Australia but this can change depending on the country due to many factors.
Another great bit of info! Although i feel like the video might be mistitled.
Whoops! Thanks for the heads up. Should be fixed now ❤
@kernel_wealth no worries at all! Love your videos, and also love the kernel products... It's making a noticeable difference 😁
Hey Kernel, I hope you are well. I visited your TH-cam Channel. Your content is Excellent. But your Channel is not growing, Because your Content title and Description are not SEO-friendly and do not have Enough Rank tags. This is why there is no Content Coming to the top of TH-cam. As a result, your video SEO Score is very low. If you SEO your videos Properly then the Channel Progress will be very Fast and Subscribers and Views will be Increase.🚀 If you want I can solve problems and help you rank your videos Better. If you are Interested Please Let me know.🌟 🌠 Regards, Swapan Hossain | TH-cam Video SEO Expert
Hey Kernel, I hope you are well. I visited your TH-cam Channel. Your content is Excellent. But your Channel is not growing, Because your Content title and Description are not SEO-friendly and do not have Enough Rank tags. This is why there is no Content Coming to the top of TH-cam. As a result, your video SEO Score is very low. If you SEO your videos Properly then the Channel Progress will be very Fast and Subscribers and Views will be Increase.🚀 If you want I can solve problems and help you rank your videos Better. If you are Interested Please Let me know.🌟 🌠 Regards, Swapan Hossain | TH-cam Video SEO Expert
I'd add my two cents. Get yourself a very very good builder to do the inspection. Legal cost post settlement can be very costly and vendor do not give a rats back post settlement. Before we bought our property during 2018 we got a builders report that said no issues. After moving in a few days later one evening we heard water leaking through the roof into the cavity. The next morning we had someone look at our roof found the previous owner had painted the roof in attempt to conceal roof issues. The local contractor found major issues and recommended the entire roof needed replacement. We approached our lawyer and they could not help as the issue was known post settlement, unless we sat down with them to go though our options which would be very very costly. We also approached Barfoot and Thompson who did not assist nor respond. In the end we took it in the chin and had the entire roof replaced at our cost.
One thing I've come across in my own home search is that you can access rates information for a property on the local council website. If you have your eye on a specific property, you can look up the rates information for the current and previous few years, which can help when budgeting for that.
Very handy tip! Thanks for sharing
Staring with 50, end up with 500 per week. It will be more beneficial.
Oh he is Ravi! The guy in the background in cheque & balances. Haha, wondering who is this Ravi James keeps mentioning.
The one and only!
The fees are insane in Index Funds, while ETFs are cheaper
Correct. People will pay a 20-25 year mortgage. But people seem to tremble contributing to a KS for 29-40 years for future retirement. What's the difference? Mindset.Paying down a mortgage is forced or imposed payments. KS is voluntary and people end up not bothering.
When are you bring on an Australia focussed fund? Tracking ASX200, All Ordinaries, "Top 50" or similar?
Hi Dean, can you make a video explaining why global 100 is diversified enough compared to VT (Vanguard Total World Stock Index Fund) such as what InvestNow foundation series offer.
*promosm* ✨
Ha
there are ETFs available in New Zealand that are designed to be tax-efficient, such as those that track local indices or have low turnover rates. Investors should also be aware of tax-advantaged investment accounts, such as KiwiSaver or Portfolio Investment Entities (PIEs), which can provide tax benefits for investing in ETFs.
Please consider offering investors a fund/funds that gives exposure to the Indian stock market (Small, mid cap & large cap companies). The Indian economy is expected to grow exponentially in the next decade). Thanks.
Thanks for your feedback Tushar, we have passed this onto our product development team.
Couldn't make it last Thursday; catching up now from Paeroa.
Awesome stuff guys! Love Kernel and the great things you’re doing.
This was a great live streaming. I appreciate the transparency these guys displayed. Great work!
Absolutely love watching videos from Kernel Wealth that give wealth of investing information.
Great session
Thanks, I like the webinars. It's great you sent the link out straight away as I couldn't make it live Thanks
No problem, great to hear you enjoyed the webinar. Thanks for watching!
🙌Subscribed! Great Watch looking forward for next update my friend 😊..
whats a landline?
I don't think thematic funds are risky, but the have more volatility, because they are filled with micro-cap and small-cap stocks. On the kensho website, where they back-test the Moonshots against the S&P500, the moonshots has done better, and since the pandemic skyrocketed. Someone whos always stuck to index funds that hold large and mega-cap stocks, might miss interpret the price swings of the moonshot index.
Fantastic - really interesting thanks!