It's No Secret
It’s No Secret is a podcast for Kiwis who want their money questions answered.
Are you wondering when the right time to get on the property ladder, whether you should invest with family or how to talk to your significant other about investing and budgeting?
If yes, you’re in the right place. Join the Kernel team, alongside some special guests, as they take you through the ins and outs of all things finance, money, property, investing and building wealth so you can move towards achieving financial freedom.
Each Wednesday, we’ll release one episode that answers a specific money question.
No long ramblings and no financial jargon. Investing hacks, budgeting tips, and financial freedom are included.
You’ll be left feeling inspired, relieved and ready to take the next step in your financial journey.
Happy listening!
Submit a money question or get in touch at our Instagram @itsnosecretnz
Episodes
171 episodes
109. Is the Stress Worth the Pay?
In today’s episode, we dive into a pressing question: Is having a high-paying job truly worth it? While many might instinctively say yes, reality can often be more complex. Join us as we explore the potential pitfalls and benefits o...
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Season 7
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Episode 109
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44:51
108. Navigating Market Turbulence: Tariffs, Volatility, and Staying the Course
In this podcast episode, we're joined by Kernel Founder & CEO Dean Anderson to chat about the latest developments in the markets and how they’re impacting investors.Specifically, we discuss:The impact of US tariffs and ri...
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Season 7
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Episode 108
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23:36
107. Active vs. Passive: Are You Settling For Average?
In the world of investing, the debate between active and passive strategies has been significant among many investors. While active investing involves selecting individual stocks and timing the market, passive investing focuses on tracking mark...
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Season 4
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Episode 107
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23:36
106. How Does Tax Work When Investing In Kernel Funds?
Tax is an unavoidable cost of investing, so ensuring you understand how it works can help you get the most out of your investments.In New Zealand, Portfolio Investment Entities (
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21:04
105. Trump & Investing: 5 Tips to Remember During Uncertain Times
This week, we dive into investing during uncertain and volatile market conditions. With recent economic shifts driven by new policies and tariffs, many investors are feeling the pressure to take some sort of action. Join us as we ch...
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Season 4
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Episode 104
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21:58
Winning the Office Lottery, Personal Finance Journey & Paying off Student Loans | Money Moments w/ Joni
In today's Money Moments episode, we're joined by our very own Joni from the Customer Success team. In this episode, Joni shares his experience with money, in particular:What his relationship with money was like growing up in Indone...
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Season 4
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55:09
104. Foundational Money Tips For Your 20s, 30s & Beyond
In this episode we're diving into a topic that hits home for many—practical money tips for those in their 20s and 30s.This stage of life is often packed with big decisions about finances, careers, and relationships, which can sometimes f...
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Season 4
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Episode 104
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34:50
Money Q&A: Pricing, Distributions, and Market Timing - Fund Units Explained
In this episode, we are joined by Aaron, our Portfolio Analyst, to explain fund units and how they work. We cover important topics like swing pricing and the effects of distributions, helping both new and experienced investors under...
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34:22
103. Money Tips During Lower(ing) Interest Rates
In today's episode, Cat sits down with Dean Anderson, Founder and CE of Kernel, to chat about what the lowering of the Official Cash Rate (OCR) can mean for you. Disclaimer: This episode was recorded on 13 Feb and this episode i...
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Season 4
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Episode 103
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23:38
Buying Her First Home, Living Your Rich Life & Starting a Business | Money Moments w/ Rebekah
In today's Money Moments, we're joined by Rebekah, Head of Human Resources in Citta. In this episode, Rebekah shares her experience with money, in particular:How she bought her first home without a partnerWhat her relations...
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Season 4
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1:28:56
102. Dividend Investing in NZ: Does it Work?
In this episode, we have podcast director, Tim , in the hot seat alongside Kernel Founder and CE, Dean Anderson to explore why New Zealand has such a strong dividend culture, and whether chasing dividend yields is the best strategy for long-ter...
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Season 4
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Episode 102
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31:03
Money Q&A: How Dividends Work & Moving Investment Platforms
In today's episode, we're joined by Joni from our Customer Success team to tackle two common investment questions we frequently receive. From understanding dividend payments to managing multiple investment platforms, we'll help clarify ...
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Season 4
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40:37
101. Why You Can't Save Your Way to Retirement
Are Kiwis missing out by being savers rather than investors? In this episode, we explore whether our national tendency toward saving is helping or hurting our financial futures. With rising living costs and ambitious retirement goa...
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Season 4
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Episode 101
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28:16
Building a Multi-Million Dollar Business, Salary Transparency & Property Choices | Money Moments w/ Stanley Henry
Today, we’re back with a Money Moments episode - this time with Stanley Henry, Founder & CEO at The Attention Seeker...
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Season 4
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1:21:11
100. Navigating Kids Accounts: 5 Things Parents Need to Know
Welcome back, lovely listeners, to another episode of It’s No Secret! Today, we’re diving into a rapid-fire chat about kids' accounts. Whether you’re considering opening an account for your child or just curious about how they work...
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Season 4
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Episode 100
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23:55
Money Moments: Cat & Christine - 2024 End of Year Update
Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.This time, the real Kiwis are us! In this episode, we’re back in the hot seat to update you on what’s going on financially...
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Season 4
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Episode 100
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1:03:11
99. The Money-Mindset Connection: Why Your Thoughts Matter
Can your mindset make you richer? Today we explore how your thought patterns influence your financial life, inspired by fascinating research showing positive mindsets can add years to your life. We'll dive into how shifting from sc...
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Season 4
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Episode 99
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47:04
Money Q&A: Is the Global 100 Diversified?
In this Q&A episode, we tackle a common concern about the Kernel Global 100 fund: concentration risk. With just 10 companies making ...
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Season 4
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34:56
98. How to Financially Thrive Throughout the Holidays
The holiday season is here, and with it comes increased spending pressure. With recent Worldline data showing Kiwis spent $2.65 billion in just the first three weeks of December, we're diving into how to navigate this expensive period without b...
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Season 4
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Episode 99
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38:19
97. City vs Rural: Where Should You Buy Your Home?
Is the grass really greener (and cheaper) in the countryside? Today we're exploring the financial reality of city versus country living in New Zealand. With Auckland's median house price at $970,000, we'll investigate whether movin...
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Season 4
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Episode 98
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31:41
96. Which Insurances Do I Need? 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 cal...
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Season 4
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Episode 97
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44:07
95. Which Insurances Do I Need? Part 1
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...
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Season 4
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Episode 95
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42:19
Being Poor But Driven, Open Banking and Embracing Individuality | Money Moments with PocketSmith CEO Jason Leong
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, Jaso...
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Season 4
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47:38
94. How Much Do I Actually Need to Retire?
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 ...
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Season 4
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Episode 94
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35:56
93. How to Approach A Financial Break Up
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 traine...
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Season 4
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Episode 93
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43:48