Commercial Property In NZ – The Aussies Are Coming!
Ungaro & Co.
by Darcy Ungaro
2d ago
A prophet is seldom welcome in their hometown. Similarly, Kiwi’s have to make it big, before they’re acknowledged locally. When it comes to many types of investments, you spot a similar theme. It’s not until you see things succeeding overseas, that Kiwi’s sit up and take notice. Recently some research came up that showed NZ didn’t even feature in terms of worldwide crypto adoption, for example. *source: Milk Road So when I hear that to Australians, New Zealand commercial property looks attractive on a relative basis, I’m intrigued as to why, yet again, Kiwi’s haven’t spotted the opportunity ..read more
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Are Interest Rates a Red Herring?
Ungaro & Co.
by Darcy Ungaro
2d ago
Many believe central banks can destroy inflation by raising interest rates. Seems fair enough – after all, if you make something expensive to own, like an extra rental property, less people will buy them. However, this belief overlooks the complexity of competing economic forces like unemployment rates, growth in the economy, in government operations, demographics, and geo-political trends – the result is that tools like the official cash rate (The OCR here in NZ) leads to unintended consequences. To understand this better, let’s go back to the 70’s,  and consider Paul Volcker. The Volcke ..read more
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Being Early, While We’re Still So Late: Investing in Digital Assets / New Online Course
Ungaro & Co.
by Darcy Ungaro
2d ago
We all know the story of the tortoise and the hare – even as kids, we learned that being fast doesn’t always mean you’ll win. The ‘slow and steady’ approach often yields better results. As everyday investors, our options to build wealth are somewhat limited. Unless it’s starting a business or leveraging property, what choices do we have? Should we jump into the latest craze, hoping to outsmart everyone else, only to find we’ve fallen for another ‘Tulip Mania’? In a world where everyone is running the same race, how can we truly outperform the average? To find the answer, we need to keep an ope ..read more
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When You’re Stuck In The Middle…
Ungaro & Co.
by Darcy Ungaro
2d ago
Twice a year, we go away as a family – in the summer we’ll head up north of Auckland and in the winter, we’re often heading south to the bubbling mud and thermal wonderland that is Rotorua. With kids you’re sort of forced to align your holidays with school holidays – Holiday parks and hotels, they see you coming – so it’s a bit pricey as a result. We jam our middle-aged bodies into our mid-sized SUV. We shuffle our middle-child around as a buffer to prevent arguments, and we tow our mid-sized boat to the middle of the North Island. We stay right on the lake, and twice a day we drag our kids (l ..read more
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Was it ‘better’ 50 years ago?
Ungaro & Co.
by Darcy Ungaro
2w ago
I have kids, so I’ve watched “Guardians of the Galaxy” a hundred times. The soundtrack features the late 60s and early 70s family supergroup, The Five Stairsteps. Their song “O-o-h Child” would have been known to us growing up back then, distorted, of course, by the 1970s family sedan AM radios. It’s an effective tactic Hollywood uses: leap into the next generation by reviving all the hits our parents loved when we were kids. Same soup, different spoon. Hearing these songs makes me think about the older generation, their experiences, the shifts in perspectives, economic or political uncertaint ..read more
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The Doing and Making Strategy
Ungaro & Co.
by Darcy Ungaro
2w ago
How to become wealthy? First, learn how to make money, then learn how to keep a lid on your expenses, and then invest the rest, the best you can. Can it really be this simple? Yes Spend less than you earn This principle, originating from the book “The Richest Man in Babylon,” is the first step and often the hardest. Income and expenses change over time, and it’s easy to fall into the habit of paying for whatever needs to be paid for and then treating yourself with what’s left. Especially when you’ve been working hard, it’s easy to justify these indulgences. However, when your income and expens ..read more
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Another ETF slipped past the goalie?
Ungaro & Co.
by Darcy Ungaro
3w ago
With the recent [first step] in an approval of the Ethereum Exchange Traded Fund (ETF), the crypto community is again abuzz with speculation (although it is rather subdued this time around).  The big question on everyone’s mind: will it be as successful as the Bitcoin ETF? Bitcoin, often seen as digital gold, is primarily meant for holding and storing digital value. The Bitcoin ETF’s success stems from this principle, making it easier for traditional investors to access and hold Bitcoin through a familiar financial product. Ethereum, on the other hand, is more than just a digital asset; i ..read more
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To The Everyday Investor: The Reason Why I Do It.
Ungaro & Co.
by Darcy Ungaro
1M ago
I’ve written this article to speak directly to people I don’t know. If we haven’t met, but if I’ve ‘influenced’ you on podcasts, YouTube, newsletters, or social media, allow me to assist you in conducting some due diligence. Everyone who talks about money online has a motivation. Here, I’d like you to know a little more about me, not so you can trust me, but so you can understand why I explore the topics on social media that I do. I’m a husband and father to great kids. I believe in hard work, creative problem-solving, and personal responsibility. I never had much growing up, and I was forced ..read more
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The 11-th Hour Leap
Ungaro & Co.
by Darcy Ungaro
1M ago
It’s not uncommon for me to have conversations with people, typically in their mid to late 40s, facing a rude awakening. While they were busy focusing on that next bonus to clear the credit card or pay for their mid-winter family Fiji escape, they spot something they never noticed before. It’s about this time when they can see a faint silhouette of their future ‘retirement’, or that date when they stop working because they have to. As we’re not good with understanding how exponential growth occurs, it’s common to see people feeling anxious that they may not have enough. Sometimes yes, they don ..read more
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The Compassionate, Comfortable, or Confidence Approach to Retirement
Ungaro & Co.
by Darcy Ungaro
1M ago
Which ‘C-Word’ describes your approach to retirement? Compassion, Comfort, or Confidence? If you have kids, and parents still alive, you’re aware of the need to make good choices your money earlier rather than later. Retirement is a finite period of time to make sure your life is as awesome as it can be. With the pressures of raising a family and maintaining income security, it’s hard to break through and devote headspace to this topic, but the sooner you think about it, the better. Are you too compassionate? You may recognise that if property prices really do double every 10 years, your kids ..read more
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