Aug 2, 2026 · 41 min · 12 segments
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…
Rupert CarlyonGuest
Tim BeveridgeHost
Because there's a lot of conversation around the increase of money into KiwiSaver and the policies around how that's going to be upped in terms of a percentage of your income gradually, so more and more money is going into KiwiSaver, which is a philosophy and a general well-being of the country.
Can we afford it? Can you afford it? People say, look, you need to put more money into your KiwiSaver.
How are you managing the idea of saving for your retirement when there is, regardless of what Kelly, I think it's Kelly Echold at Westpac said that the cost of living crisis is, I think the comment was, not was it that it was over, but that something stopped.
Speaking of Pink Floyd, by the way, with money there, we need to play the wall.
But also the other question around KiwiSaver, because KiwiSaver, KiwiSaver, of course, you can invest in different style funds.
And my guest who I'm about to introduce, he is – well, is he famous for having a fund that's linked to Bitcoin? I can't remember.
But there's been a lot of – The general vibe is KiwiSaver, and the way it's structured is safer than most, regardless of your risk profile.
So you can be high risk, and yet your money's not just suddenly going to evaporate, really.
But one of the other bits of advice around investing, if we step aside from KiwiSaver – and people will have exposure to what we're about to talk to through their KiwiSaver, ironically – But indexed funds, and the advice that we often indulge in in this show is that, well, look, just invest.
Look, for instance, if you'd invested in the S&P five years ago, you'd be doing pretty well.
Indexed funds, because the indexed funds across, you know, there's the Dow, I don't know, there's all sorts of funds which cover a range of of investments to the extent which naturally builds in a sense of security that you're never really going to die if one particular stock goes badly.
The top 10 stocks now account for over 40 percent of the entire index which is more than double what it was in 1990 was 19 so that's actually still quite a whack but anyway looking at it from a different different angle combining all the tech companies also adds up to 40 of the index so We're going to have a chat about just spreading your risk.
In fact, if you spread it, are you just shooting yourself in the foot because you're not going to have those wonderful top 10 stocks? Anyway, to discuss all that, to take your questions, break it all down, he's founder and manager of Cura Wealth, and he's Rupert Carlion, and he's with me now.
Because there's a lot of conversation around the increase of money into KiwiSaver and the policies around how that's going to be upped in terms of a percentage of your income gradually, so more and more money is going into KiwiSaver, which is a philosophy and a general well-being of the country.
Can we afford it? Can you afford it? People say, look, you need to put more money into your KiwiSaver.
How are you managing the idea of saving for your retirement when there is, regardless of what Kelly, I think it's Kelly Echold at Westpac said that the cost of living crisis is, I think the comment was, not was it that it was over, but that something stopped.
Speaking of Pink Floyd, by the way, with money there, we need to play the wall.
But also the other question around KiwiSaver, because KiwiSaver, KiwiSaver, of course, you can invest in different style funds.
And my guest who I'm about to introduce, he is – well, is he famous for having a fund that's linked to Bitcoin? I can't remember.
But there's been a lot of – The general vibe is KiwiSaver, and the way it's structured is safer than most, regardless of your risk profile.
So you can be high risk, and yet your money's not just suddenly going to evaporate, really.
But one of the other bits of advice around investing, if we step aside from KiwiSaver – and people will have exposure to what we're about to talk to through their KiwiSaver, ironically – But indexed funds, and the advice that we often indulge in in this show is that, well, look, just invest.
Look, for instance, if you'd invested in the S&P five years ago, you'd be doing pretty well.
Indexed funds, because the indexed funds across, you know, there's the Dow, I don't know, there's all sorts of funds which cover a range of of investments to the extent which naturally builds in a sense of security that you're never really going to die if one particular stock goes badly.
The top 10 stocks now account for over 40 percent of the entire index which is more than double what it was in 1990 was 19 so that's actually still quite a whack but anyway looking at it from a different different angle combining all the tech companies also adds up to 40 of the index so We're going to have a chat about just spreading your risk.
In fact, if you spread it, are you just shooting yourself in the foot because you're not going to have those wonderful top 10 stocks? Anyway, to discuss all that, to take your questions, break it all down, he's founder and manager of Cura Wealth, and he's Rupert Carlion, and he's with me now.
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