We got another OCR cut this week - now down to 2.25% - the lowest it's been since June of 2022. 

That was the last one for the year, so a lot of us mortgage holders are trying to figure out whether things are slowing down, and if it's time to fix for a longer term this time around. 

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We got another OCR cut this week - now down to 2.25% - the lowest it's been since June of 2022.&nbsp;
That was the last one for the year, so a lot of us mortgage holders are trying to figure out whether things are slowing down, and if it's time to fix for a longer term this time around.&nbsp;
LISTEN ABOVE

Looking to make sense of your dollars? Newstalk ZB’s Smart Money delves into the deep, dark recesses of unwanted debt, traverses the highs and lows of investments and helps to ensure you money works for you.

Our industry experts give us their top tips on a wide selection of topics including mortgage rates, stock, savings, goal-setting and retirement.

Looking to make sense of your dollars? Newstalk ZB’s Smart Money delves into the deep, dark recesses of unwanted debt, traverses the highs and lows of investments and helps to ensure you money works for you. Our industry experts give us their top tips on a wide selection of topics including mortgage rates, stock, savings, goal-setting and retirement.

Looking to make sense of your dollars? Newstalk ZB’s Smart Money delves into the deep, dark recesses of unwanted debt, traverses the highs and lows of investments and helps to ensure you money works for you.

Smart Money

Lisa Dudson: Is it time to fix long term?

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/eafd3895-4ef2-428f-9c33-b3a500520980/transcript

Often trust have been seen to be province of the uber wealthy. But are they? And often people don't think about this issue until it is too late

So when should we think about these issues - our family. inheritances and what's gonna happen to our money when we aren't around to look after it?

Managing Director for New Zealand Family Trust Services Limited Janet Xuccoa joins Tim Beveridge to give her advice on trust accounts, and how they should be used.

LISTEN ABOVE

Often trust have been seen to be province of the uber wealthy. But are they? And often people don't think about this issue until it is too late
So when should we think about these issues - our family. inheritances and what's gonna happen to our money when we aren't around to look after it?
Managing Director for New Zealand Family Trust Services Limited Janet Xuccoa joins Tim Beveridge to give her advice on trust accounts, and how they should be used.
LISTEN ABOVE

Jannet Xuccoa: When's the right time for a trust?

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/8c67cc08-8602-4c26-8be2-b3ba0052f46d/transcript

Last week the Reserve Bank dropped the OCR 25 basis points to 2.25%, but their tone was a bit more hawkish than usual. 

Some analysts are thinking it's a signal that rates have gone as low as the RBNZ is willing to drop them - and the new Governor may be wanting to turn a new leaf in 2026. 

LISTEN ABOVE

Last week the Reserve Bank dropped the OCR 25 basis points to 2.25%, but their tone was a bit more hawkish than usual.&nbsp;
Some analysts are thinking it's a signal that rates have gone as low as the RBNZ is willing to drop them - and the new Governor may be wanting to turn a new leaf in 2026.&nbsp;
LISTEN ABOVE

Andrew Bascand: We've seen the bottom of the rate cycle

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/f74ebd21-05e8-4bbd-b4fd-b3ac0052a144/transcript

Queues at budgeting services are getting longer, and financial advisors are finding households with increasing incomes are seeking help. 

Kiwis with a household income of over $200,000 a year and likely with a mortgage are struggling to make ends meet. 

It feels like it was only a few years ago that being on a six figure salary meant you were fairly well off, but it seems it's barely enough to get out of living paycheck to paycheck these days. 

So what actually is a liveable wage these days? Do we truly need to be making half a million a year just to pay our bills and still have a bit left over for savings and fun? 

LISTEN ABOVE

Queues at budgeting services are getting longer, and financial advisors are finding households with increasing incomes are seeking help.&nbsp;
Kiwis with a household income of over $200,000 a year and likely with a mortgage are struggling to make ends meet.&nbsp;
It feels like it was only a few years ago that being on a six figure salary meant you were fairly well off, but it seems it's barely enough to get out of living paycheck to paycheck these days.&nbsp;
So what actually is a liveable wage these days? Do we truly need to be making half a million a year just to pay our bills and still have a bit left over for savings and fun?&nbsp;
LISTEN ABOVE

Martin Hawes: Higher earners increasingly seeking budgeting help

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/0061b8ee-6580-4d8b-b886-b39e00525df7/transcript

Lisa Dudson: Is it time to fix long term?

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