Diamond Property and Wealth Ltd

19/10/2026

In just 48 hours, we’re going live with our free webinar: Investment Funds, Explained Properly.

But is this webinar the right fit for you?

Does any of this sound familiar?

✔️ You earn well but aren’t convinced you’re turning enough of that income into long-term wealth.

✔️ You have money sitting in the bank because investing has never felt like a decision you had enough information to make confidently.

✔️ You have KiwiSaver or other investments but couldn’t confidently explain exactly what you own — or why.

✔️ You know you should probably understand investing better, but haven’t had the time or inclination to become a “markets person.”

✔️ You’ve opened a fund comparison table, read about two rows and quietly closed the tab.

If you recognise yourself in any of these, this webinar is for you.

A quick note on what this webinar is and what it isn’t.

This isn’t a stock-picking session or a list of funds to buy. It’s about helping you understand how investment funds work, what matters when you’re assessing them, and how to start asking better questions about your own investments.

You don’t need any previous investment knowledge. And you certainly don’t need to be “good with money” before you come.

Investment Funds, Explained Properly
Wednesday, 21 October | 7:00 pm NZ time
Live on Zoom | Free registration



Link to register 👇🏼

https://www.diamondpropertyandwealth.co.nz/demystifyinginvestmentfunds

30/09/2026

Investment funds feel complicated? They don't have to be. 💡

Managed funds. Index funds. ETFs.
Active. Passive. PIE. PIR.

No wonder so many people never get started.

We meet with professionals, business owners and families every week. Doctors, engineers, teachers, CFOs, chartered accountants. Even when numbers are your love language, the questions are the same:

👉 Where do I actually go to invest?
👉 Do I go direct, or through an adviser?
👉 How do I choose a fund?
👉 Is $500 a month even worth it?

And one of the biggest misconceptions we hear?

That investing in funds means picking shares, watching markets every morning or having an opinion on what Tesla does next.

It doesn't. A well-built strategy can be remarkably low maintenance.

But if nobody has ever explained how it works, it's easy to keep putting it off. And doing nothing is still an investment decision. It just doesn't feel like one.

That's why we're running a free live webinar.

**Investment funds, explained properly**
📅 Wednesday 21 October
🕖 7:00pm NZ time
💻 Zoom · 60 minutes + optional Q&A
🎤 Presented by Maria Temnyuk, Financial Adviser

What we'll cover:

✔️ What an investment fund actually is: what you're buying, where your money goes, and what you own once you've invested
✔️ Why funds aren't the same as picking shares
✔️ Where to invest: fund manager, investment platform or financial adviser, and what's genuinely different about each
✔️ Active vs passive: what you're paying for, and why one isn't always better than the other
✔️ Fees, tax and PIR: what fees pay for, how PIE tax works, and why your PIR is worth checking
✔️ How much you need to start: $500 a month, $10,000 or $100,000, and why it changes at 35 vs 50
✔️ Your KiwiSaver: how to look beyond last year's return
✔️ The mistakes we see most often: including a few Maria has made herself

Then your questions, answered live.

No previous investment knowledge needed. Can't make it on the night? Register anyway, and we'll send you the recording.

🔗 Register via a link in comments

Know someone who's been meaning to "sort out their investing" for years? Tag them below. 👇

*This webinar provides general information and education only, not personalised financial advice. Diamond Property & Wealth Limited, Licensed Financial Advice Provider FSP1003574.*

16/09/2026

The most powerful moves aren't the boldest ones. Sometimes they're just 1%.

I heard this at Beyond the Basics: Building Real Wealth — our recent seminar — and it stuck with me.

Improve one metric by 1%.

Small enough that you barely notice.

Big enough to change everything.

The speaker was talking business finances.

But the same idea applies just as well to your own money.

And here's the thing — these moves work in any economy.

Boom or bust, rates up or down, market noisy or calm.

1% is still 1%.

Here's what that looks like.

1. Save 1% more of your income

On an $80k salary, that's $800 a year — just $15 a week.

Invest it at 9% for 30 years?

$109,000 — from money you'd never miss.

2. Improve your portfolio's performance by 1%

$150k invested, 20 years — the only thing that changes is your annual return.

At 7%: $580,000

At 8%: $699,000

One percent in performance — through better diversification, rebalancing, or asset allocation — is $119,000 difference.

3. Increase your mortgage repayments by 1%

$500k mortgage, 30-year term, 5.5% rate.

Standard repayment: $2,839/month.

Bump it up 1% — just $28 extra a month.

You pay the mortgage off 9 months early

and save $15,700 in interest.

4. Trim spending by 1%

$60k a year in expenses, 1% is $600.

Invest that yearly for 20 years at 9%?

$30,700 — from cutting something you probably wouldn't miss anyway.

Here's the best part.

You don't need to overhaul your whole financial life to start.

✅ Pick one.

✅ Improve it by 1%.

✅ Give it three months.

Then come back to the same number and improve it by 1% again.

Success breeds success. Momentum builds on momentum.

So here's the question:

Which one metric can you change by 1% — in the next 24 hours?

07/09/2026

What Is Long Term Wealth and How Is It Built? - It isn’t one big win. It’s a coordinated system of cash flow, assets, protection and decisions that gives you genuine choice over decades. 🧭💰📈

If you’re time-poor and income-stable, the difference between feeling busy and actually getting wealthier is a plan that’s purposeful, diversified, measurable and adaptable. This article breaks down practical steps - from using KiwiSaver thoughtfully to directing surplus cash and harnessing compounding - so your money starts serving a defined purpose, not just your next pay packet.

Read the full post and explore the four characteristics of lasting wealth plus simple first steps you can take today: https://wix.to/oQyk9iZ

Which of the four qualities do you want to focus on this year - purposeful, diversified, measurable or adaptable? Tell us below. 🤝

What is long term wealth? It is the freedom created by a structured plan for cash flow, property, investing and retirement through changing markets well.

24/08/2026

The financial rules/beliefs I've changed since turning 35

I'm 37 now, and looking back at the beliefs I've let go of over the last couple of years…

1. Debt-free is not my highest priority.
I stopped looking at debt as something to be ashamed of. I treat it like a number — I don't feel guilty or "less than" because of it. I look at it as a tool, and the real question is how it can work for me. If mega corporations can have billions of debt and not feel ashamed then so can I.

Some of our clients take on debt for lifestyle goals, and it doesn't derail their wealth creation. Surprised? Please don't take this as a permission slip to go get a new credit card though 😂

2. Giving people money doesn't actually help them.
I don't believe it solves the real problem. Most of the time it just enables the same behaviour instead of changing it. I'd rather help through education, an introduction/referral, or by buying someone's product or service. Not handing over cash for nothing.

3. Most luxury goods are wildly overpriced and don't deliver on style, quality, or comfort.
I'm far more selective these days with designer spending. I've become much more interested in art 🖼️ — it's a purchase that keeps giving me joy for years. The other place I love spending is on our home decor or accessories. New set of fry pans that makes cooking so much more enjoyable, George Jensen candleholder for the table centre piece, or a luxury soft bed throw (actually I am saving up for this one). Much bigger ROI, because I actually use it every day.

4. Home ownership does not equal success.
I've run the numbers so many times, for myself and for clients — it's wild how much money goes into an asset that's really just for lifestyle. Will I own my house one day? Probably. I'm just not in a rush to get there.

5. I'm no longer all-in on active fund management.
I used to only use active managers in my own portfolio. As I've grown more experienced and confident, I've added passively managed funds in too — and it hasn't cost me any sleep. Yet.

What financial rule or belief have you changed recently?

21/07/2026

You don’t need $2 million to start feeling the benefits of investing. 💰

So many of us put off getting excited about our finances because we think freedom only happens at some huge, far-off number. But the truth is — every milestone along the way gives you something real.

Here’s what different portfolio sizes could provide each month (based on an illustrative 10% p.a. return):

🔹 $10,000 → ~$83/month
Your streaming subscriptions, gym membership, and daily coffee — covered.

🔹 $50,000 → ~$417/month
A weekly dinner out, your phone bill, and a genuine grocery top-up, on autopilot.

🔹 $100,000 → ~$833/month
A car payment, extra mortgage repayments, or bank it up for an annual family holiday to Bali!

🔹 $200,000 → ~$1,667/month
School fees, a cleaner, or a serious dent in your mortgage — every single month.

🔹 $300,000 → ~$2,500/month
Enough to genuinely drop one working day a week. A four-day week, funded by your portfolio.

🔹 $500,000 → ~$4,167/month
Close to a full part-time income. This is where work starts to feel optional.

🔹 $1,000,000 → ~$8,333/month
For a lot of people, this comes close to replacing their day-to-day income entirely.

🔹 $1,500,000 → ~$12,500/month
Comfortable income replacement — work becomes a choice, not a requirement.

🔹 $2,000,000 → ~$16,667/month
Full flexibility, full freedom. You’re designing your life, not the other way around.

Here’s the thing — the number that matters isn’t the top one. It’s the next one.

Wherever you’re at right now, even if it’s $0, there’s a milestone ahead that changes what’s possible for you and your family. Track it. Celebrate it. Let it keep you going. 🙌

Illustrative only, based on an assumed 10% annual return. Actual returns vary and are not guaranteed — higher assumed returns typically come with higher risk. This is general information, not personalised financial advice.

20/07/2026

$122.71 a week now. Or $57,737 gone forever.

That's the real cost of waiting just one year to invest — even if you already have a KiwiSaver.

Here's a real example:

A 40-year-old earning $80,000/year already has $40,000 in KiwiSaver, contributing the standard 3.5% + 3.5% employer match. On its own, that gets them to $899,527 by age 65 — $600,473 short of a $1.5 million goal.

Closing that gap only takes $122.71 a week in a separate investment, started today.

But wait just ONE year to start it, and the gap grows by another $57,737. That's 9 times the $6,381 "saved" by not contributing that year — because that money misses out on its final, biggest-compounding years.

Wealth creation is genuinely affordable. The real obstacle was never the money. It's the year you keep telling yourself you'll start next year.

If you're ready to put a robust strategy together — one that's affordable and suited to your situation — rather than continuing to procrastinate or play a guessing game, comment "CALL" below. I'd love to have a chat and get a free, no-obligation 30-minute call in the diary for you.

⚠️ This is a hypothetical example for educational purposes only, not personalised financial advice. Actual returns will vary and are not guaranteed.

06/07/2026

Nothing beats hearing this from clients. 🤩

“Maria has been absolutely incredible to work with. She took the time to thoroughly review our financial situation and put together a clear and practical plan tailored to our goals. With her guidance, we’ve been able to build strong financial habits and, most importantly, successfully purchase our first investment property. Maria supported us every step of the way, she was always approachable, courteous and positive. We consistently felt like we were in very capable hands. She is highly knowledgeable and provides thoughtful, well-considered advice that we truly trust.

It’s also clear that Maria puts in a huge amount of effort behind the scenes to ensure everything runs smoothly, and we really appreciate the level of care and dedication she brings to her work. We highly recommend Maria to anyone looking for a committed and trustworthy financial advisor.” Elina Y.

Always approachable, always in your corner. This is what it looks like when advice actually works. 🏡

25/06/2026

$206,000. That's how much better off one couple was after their first 12 months of financial coaching with me.

A year ago, James and Claire told me a $20,000–$30,000 improvement would be a realistic win.

WHERE THEY STARTED

They felt lost, confused, and frustrated — like they were probably making some progress, but couldn't see it or celebrate it.
No system for money management.
Mortgage moving at a glacial pace.
Investments underperforming.
Living off the credit card
They'd even been set up with a sophisticated mortgage system before — but no one had ever properly explained it or coached them through using it.

WHAT CHANGED
→ Built an emergency fund and sinking fund from $0
→ Reviewed their KiwiSaver and investments, swapping out underperformers → Moved them onto a simple mortgage system and coached them through it — shaving 23–24 years down to 12 (≈$230,000 saved in interest)
→ Stopped credit card use altogether
→ Deep work on limiting beliefs — from scarcity to abundance

Today, they feel happy, successful, and abundant — genuinely in the driver's seat of their own finances, with possibilities ahead instead of walls.

THE RESULT
≈$206,000 better off in 12 months.
KiwiSaver + super up $140K+ combined.
Mortgage down $41,619.
Four new savings accounts built from zero.
A $6,000 pay rise along the way.

And beyond the numbers: a new car bought with zero guilt, three vet surgeries handled without stress, two trips fully funded — and money dates they now actually look forward to.

James is in his early forties, Claire in her early fifties — and on their current trajectory, they're on track for a $2,000,000 portfolio by 65.

I'm curious - What's your biggest financial challenge at the moment that you'd like to resolve? Drop it in the comments.

29/05/2026

Appreciate the trust and the kind words from our dear clients. 🙏🙏🙏