Kristen Lunmen's guest appearances

Kristen Lunmen

NZ Everyday Investor

Elon Musk

Jim Rickards

Chris Smith

Stephen Hart

Darcy Ungaro

Christian Keroles

Willy Woo

Mike Taylor

Tim Warren

David Cunningham

James Shaw

Julian McCormack

Dean Anderson

Tom Hartmann

Tony Alexander

OwlTail

Natalie Ferguson

In this wide ranging interview Darcy sits down with Natalie Ferguson &amp; Kristen Lunman from Hatch Invest to talk about encouraging good behavior from retail investors, why a Hatch employee’s kid loves him more because he owns Disney shares, and the benefits of planning for a portfolio nosedive. ***Note, for those using the audio only version, Kristen is the Co-founder with the Canadian accent and Natalie is the Head of Product with the Kiwi accent ———— With retail investor mania clearly on the rise, there's been a widely held opinion from the stiff lipped, long-time investors, that most of these investors are going in blind.  Perhaps this is true from the wider global community led by the likes of Davey Day Trader, but Hatch counts their users outside of this group. Hatch is on a mission to buck the trend of under-informed investors heaping into bad decisions by supporting initiatives that provide independent commentary/education; and it’s been returning dividends.  A recent survey of Hatch users found that a massive 97% of its users self-report having done their research before investing, through a combination of annual reports, analyst reports, and share price trackers.  “Well I think if you compare Hatch with any other investment platform, it’s our education which makes the difference. You get that education, you get that support, you get that community; to make wiser decisions,” said Natalie. As head of product, Natalie has made a concerted effort to distinguish themselves from the likes of Robinhood in the United States. The retail investing app has seen widespread criticism for using nudge theory — the idea of encouraging behaviors through clever pushes that the podcast covered about a couple of months ago — to lure poorly equipped investors into frequent trading. “My biggest concern is that the easier that you make something to get in, the easier it is to get out also", said Darcy. “We made the browsing experience pretty full on to start to make sure people did the research on what they wanted to invest in, without leading them into making a particular investment.", Said Natalie Hatch has intentionally designed the platform with small fees on each transaction, so as not to encourage frequent daily trades. They have also removed celebratory emails after every transaction, instead, they focus on celebrating things like receiving dividends at the end of year. Passing down financial education On the cards in the coming weeks, is Hatch’s first foray into investing for kids, which they see as a positive way to build better financial understanding amongst the next generation.  For Kristen, buying her son into Nike, one of his favourite companies, has formed the perfect introduction to investment education.  “It’s such a good way to get them engaged,” said Kristen.  Purposeful investing One of the biggest lessons that kids and adults alike need to learn as the world navigates a highly uncertain world, is the idea of pre-determining your response to changing circumstances in the market.  “I encourage anyone who is investing anywhere, if things did go up or did drop it’s a really good idea to plan in advance for how you’re going to react,” said Natalie. Whether it’s written down, spoken to a friend, or drawn on a notebooks somewhere; any investor should have a strong strategy for what happens when investments drop.  Naturally, seeing your important investment freefalling is going to be of concern, but with a coherent strategy in place, investors can feel confident of an eventual rebound.  “If when you look at your portfolio and it’s dropped and it’s the first time you’ve thought about it, you’re not setting yourself up for success,” said Kristen.  ___________________________________________________________________ The Challenge! Start investing regularly. It’s not about picking stocks, it’s all about investing regularly towards an objective! The goal of the challenge is to get you to start making regular contributions to your investments, to build long term wealth.  Now to help you with this challenge, Hatch is going to give one lucky person a $500NZD top-up to their Hatch account. To enter the giveaway, head to: https://www.hatchinvest.nz/nz-everyday-investor-giveaway Terms and conditions: https://www.hatchinvest.nz/nz-everyday-investor-ts-and-cs Just pop down your email address and your goal you have when it comes to investing – that’s right – if you put it out there, it’s more likely to happen.  The challenge will run from Monday 16 November to Monday 30 November, and the winner will be announced on Tuesday 1 December. So don’t put this off – if you’re in a position to do it, click on the link now. If you work for money, put some of it to work for you today – good luck! __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of kōura. Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But professionals know there’s the third, arguably more essential  component to consider - asset allocation. kōura's digital advice tools will build you a KiwiSaver portfolio that has the perfect asset allocation just for you.  Of course you could also just choose your own KiwiSaver portfolio with them too.  Give them a try and see what your ideal KiwiSaver asset allocation looks like for you. __________________________________________________________________ Like what you’ve heard? You can really help with the success of the NZ Everyday Investor by doing the following: 1- Tell your friends! 2- Write a review on Facebook, or your favourite podcast player 3- Help support the mission of our show on Patreon by contributing here 4- To catch the live episodes, please ensure you have subscribed to us on Youtube:  5- Sign up to our newsletter here NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage an authorised financial adviser to provide guidance around your specific goals and objectives. _____________________________________________________________________________

In this wide ranging interview Darcy sits down with Natalie Ferguson &amp; Kristen Lunman from Hatch Invest to talk about encouraging good behavior from retail investors, why a Hatch employee’s kid loves him more because he owns Disney shares, and the benefits of planning for a portfolio nosedive. ***Note, for those using the audio only version, Kristen is the Co-founder with the Canadian accent and Natalie is the Head of Product with the Kiwi accent ———— With <a href="https://www.podcasts.nz/retail-investor-mania/" rel="nofollow" target="_blank">retail investor mania</a> clearly on the rise, there's been a widely held opinion from the stiff lipped, long-time investors, that most of these investors are going in blind.  Perhaps this is true from the wider global community led by the likes of Davey Day Trader, but Hatch counts their users outside of this group. Hatch is on a mission to buck the trend of under-informed investors heaping into bad decisions by supporting initiatives that provide independent commentary/education; and it’s been returning dividends.  A recent survey of Hatch users found that a massive 97% of its users self-report having done their research before investing, through a combination of annual reports, analyst reports, and share price trackers.  “Well I think if you compare Hatch with any other investment platform, it’s our education which makes the difference. You get that education, you get that support, you get that community; to make wiser decisions,” said Natalie. As head of product, Natalie has made a concerted effort to distinguish themselves from the likes of Robinhood in the United States. The retail investing app has seen <a href="https://www.nytimes.com/2020/07/08/technology/robinhood-risky-trading.html" rel="nofollow" target="_blank">widespread criticism</a> for using nudge theory — the idea of encouraging behaviors through clever pushes that <a href="https://www.podcasts.nz/nudging-towards-wealth-ravi-dutta-powell/" rel="nofollow" target="_blank">the podcast covered about a couple of months ago</a> — to lure poorly equipped investors into frequent trading. “My biggest concern is that the easier that you make something to get in, the easier it is to get out also", said Darcy. “We made the browsing experience pretty full on to start to make sure people did the research on what they wanted to invest in, without leading them into making a particular investment.", Said Natalie Hatch has intentionally designed the platform with small fees on each transaction, so as not to encourage frequent daily trades. They have also removed celebratory emails after every transaction, instead, they focus on celebrating things like receiving dividends at the end of year. Passing down financial education On the cards in the coming weeks, is Hatch’s first foray into investing for kids, which they see as a positive way to build better financial understanding amongst the next generation.  For Kristen, buying her son into Nike, one of his favourite companies, has formed the perfect introduction to investment education.  “It’s such a good way to get them engaged,” said Kristen.  Purposeful investing One of the biggest lessons that kids and adults alike need to learn as the world navigates a highly uncertain world, is the idea of pre-determining your response to changing circumstances in the market.  “I encourage anyone who is investing anywhere, if things did go up or did drop it’s a really good idea to plan in advance for how you’re going to react,” said Natalie. Whether it’s written down, spoken to a friend, or drawn on a notebooks somewhere; any investor should have a strong strategy for what happens when investments drop.  Naturally, seeing your important investment freefalling is going to be of concern, but with a coherent strategy in place, investors can feel confident of an eventual rebound.  “If when you look at your portfolio and it’s dropped and it’s the first time you’ve thought about it, you’re not setting yourself up for success,” said Kristen.  ___________________________________________________________________ The Challenge! Start investing regularly. It’s not about picking stocks, it’s all about investing regularly towards an objective! The goal of the challenge is to get you to start making regular contributions to your investments, to build long term wealth.  Now to help you with this challenge, Hatch is going to give one lucky person a $500NZD top-up to their Hatch account. To enter the giveaway, head to: <a href="https://www.hatchinvest.nz/nz-everyday-investor-giveaway" rel="nofollow" target="_blank">https://www.hatchinvest.nz/nz-everyday-investor-giveaway</a> Terms and conditions: <a href="https://www.hatchinvest.nz/nz-everyday-investor-ts-and-cs" rel="nofollow" target="_blank">https://www.hatchinvest.nz/nz-everyday-investor-ts-and-cs</a> Just pop down your email address and your goal you have when it comes to investing – that’s right – if you put it out there, it’s more likely to happen.  The challenge will run from Monday 16 November to Monday 30 November, and the winner will be announced on Tuesday 1 December. So don’t put this off – if you’re in a position to do it, click on the link now. If you work for money, put some of it to work for you today – good luck! __________________________________________________________________ The NZ Everyday Investor would also like to acknowledge the support of <a href="https://www.kourawealth.co.nz/" rel="nofollow" target="_blank">kōura</a>. Most people fixate on just fees or historical returns when trying to choose a KiwiSaver fund. But professionals know there’s the third, arguably more essential  component to consider - asset allocation. kōura's digital advice tools will build you a KiwiSaver portfolio that has the perfect asset allocation just for you.  Of course you could also just choose your own KiwiSaver portfolio with them too.  <a href="https://www.kourawealth.co.nz/" rel="nofollow" target="_blank">Give them a try</a> and see what your ideal KiwiSaver asset allocation looks like for you. __________________________________________________________________ Like what you’ve heard? You can really help with the success of the NZ Everyday Investor by doing the following: 1- Tell your friends! 2- Write a review on <a href="https://www.facebook.com/TheNZEverydayInvestor/" rel="nofollow" target="_blank">Facebook</a>, or your favourite podcast player 3- Help support the mission of our show on <a href="https://www.patreon.com/Nzeverydayinvestorpodcast" rel="nofollow" target="_blank">Patreon by contributing here</a> 4- To catch the live episodes, please ensure <a href="https://ungaro.co.nz/nzeverydayinvestor/" rel="nofollow" target="_blank">you have subscribed to us on Youtube</a>:  5- <a href="https://ungaro.co.nz/nzeverydayinvestor/" rel="nofollow" target="_blank">Sign up to our newsletter here</a> NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person! Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage an authorised financial adviser to provide guidance around your specific goals and objectives. _____________________________________________________________________________

Kids and Investing / Trading vs Investing - Natalie Ferguson and Kristen Lunmen

That's right, perhaps your biggest weakness, is actually you're strength... In today's episode, Kristen and Natalie from Hatch Invest,join me to have a discussion about... What makes women good at investing? How to turn your weakness into a strength The importance of finding your tribe. Often when the word 'inclusive' and 'diversity' are thrown about, you're mind could easily go towards thinking this is all about just women, but it's not. There are many groups (and many individuals who don't even fit into a group) who currently feel (and are) excluded from the world of investing. In any given household, it's not uncommon to find that one party is the dominating influence when it comes to making financial decisions, but that one party is not always the most competent. It's important that there's equal opportunity given to all decisions makers in the family with respect to building wealth. Why? Because often the ones who currently don't play the game are actually going to be pretty good at it when they make a start! Hatch Invest is one of NZ's leading online investment platforms that provides an option to buy fractions of US Shares simply and in a cost effective way. Check them out using the following affiliate link and help support the NZ Everyday Investor Podcast. _________________________________________________________________ Like what you've heard? You can really help with the success of the NZ Everyday Investor by doing the following: 1- Tell your friends! 2- Write a review on Facebook, or your favourite podcast player 3- Help support the mission of our show on Patreon by contributing here 4-  Search for The Everyday Investor on YouTube 5-  Sign up to our newsletter here NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!  __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &amp;Co (registered) financial advisers https://www.ungaro.co.nz Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks Instagram: https://www.instagram.com/ungaro.co.nz/

That's right, perhaps your biggest weakness, is actually you're strength... In today's episode, Kristen and Natalie from Hatch Invest,join me to have a discussion about... What makes women good at investing? How to turn your weakness into a strength The importance of finding your tribe. Often when the word 'inclusive' and 'diversity' are thrown about, you're mind could easily go towards thinking this is all about just women, but it's not. There are many groups (and many individuals who don't even fit into a group) who currently feel (and are) excluded from the world of investing. In any given household, it's not uncommon to find that one party is the dominating influence when it comes to making financial decisions, but that one party is not always the most competent. It's important that there's equal opportunity given to all decisions makers in the family with respect to building wealth. Why? Because often the ones who currently don't play the game are actually going to be pretty good at it when they make a start! Hatch Invest is one of NZ's leading online investment platforms that provides an option to buy fractions of US Shares simply and in a cost effective way.<a href="https://www.hatchinvest.nz/?utm_source=Everyday%20Investor&amp;utm_medium=Affiliate&amp;utm_campaign=Education&amp;utm_content=InclusiveInvestingPodcast" rel="nofollow" target="_blank"> Check them out using the following affiliate link </a>and help support the NZ Everyday Investor Podcast. _________________________________________________________________ Like what you've heard? You can really help with the success of the NZ Everyday Investor by doing the following: 1- Tell your friends! 2- Write a review on <a href="https://www.facebook.com/TheNZEverydayInvestor/" rel="nofollow" target="_blank">Facebook</a>, or your favourite podcast player 3- Help support the mission of our show on <a href="https://www.patreon.com/Nzeverydayinvestorpodcast" rel="nofollow" target="_blank">Patreon by contributing here</a> 4-  Search for The Everyday Investor on YouTube 5- <a href="https://ungaro.co.nz/nzeverydayinvestor/" rel="nofollow" target="_blank"> Sign up to our newsletter here</a> NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!  __________________________________________________________________ Where to find Darcy Ungaro: Ungaro &amp;Co (registered) financial advisers <a href="https://www.ungaro.co.nz" rel="nofollow" target="_blank">https://www.ungaro.co.nz</a> Facebook: <a href="https://www.facebook.com/UFinServ/?ref=bookmarks" rel="nofollow" target="_blank">https://www.facebook.com/UFinServ/?ref=bookmarks</a> Instagram: <a href="https://www.instagram.com/ungaro.co.nz/" rel="nofollow" target="_blank">https://www.instagram.com/ungaro.co.nz/</a>

Inclusive Investing / Natalie Ferguson and Kristen Lunmen