The Curve

The Curve is pausing new episodes for the next couple of weeks. Soph's away and Vic is in the middle of moving back to New Zealand to run the fund, so rather than rush new episodes out, the feed is taking a breather. In its place, five of the very first episodes ever recorded are being re-released, the ones that cover the absolute fundamentals of investing. If you're new here or you want a refresher on the basics, this is the perfect entry point. Regular programming is back on 5 October. Credits: Hosts: Sophie Hallwright & Victoria Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Holly's back in the studio (this time in person) for another round of Curveballs, real listeners’ submitted property stories sent in after her last two episodes went viral. Soph & Holly unpack a family vacation home at the centre of five and a half years of conflict, a couple who split renovation labour and income unevenly with nothing in writing, and two very different relationships where one partner brings significantly more wealth, inheritance or equity into the picture. Sophie also gets refreshingly honest about her own situation navigating an uneven income dynamic with her partner. If you want to hear some juicy property stories that might hit a little close to home, this one's for you. Listen to part one with Holly here: https://open.spotify.com/episode/1IlXIaBpV5gidULo4GxB4l?si=9b0fe5b041164b91 Listen to part two with Holly here: https://open.spotify.com/episode/0oHlPINatebG4R3dO8mRyf?si=Md-5eOF2QfmRGzfihRWQ9g Submit your anonymous property curveball story here: https://form.typeform.com/to/DQf0F07b Want to get your own affairs in order? Holly at Succession NZ can help with everything from wills to trusts. Use code THECURVE at checkout on Succession.nz for a special discount. Holly’s links Succession.nz Instagram (https://www.instagram.com/succession.nz/) TikTok (https://www.tiktok.com/@succession.nz) We’re proud to be partnering with BNZ, who know that home ownership isn’t a straight line. Sometimes life throws curveballs, and BNZ is all about supporting you through the hard stuff, not just the highlights. Whether you’re planning ahead or needing a bit more support right now, BNZ’s home loan experts have the tools and people ready to help you find a way. 👉 To learn more, head here: http://bnz.co.nz/home-loan-partners-spotify-ep14 BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply. Credits: Hosts: Sophie Hallwright Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:01:38 BNZ x The Curve 00:01:52 Catch up with Holly 00:15:06 Steph’s Curveball 00:20:15 Tash’s Curveball 00:24:18 BNZ x The Curve 00:24:40 Mia’s Curveball 00:35:18 Lucy’s Curveball 00:43:26 Financial Disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Lululemon's founder is getting divorced after 20+ years of marriage, and there's no prenup on a fortune worth over $6 billion. We get into what that means for his wife (one of the company's first employees and founding designer), especially as Lululemon posts its second dire quarter in a row and its stock hits an eight-year low. Then, Kendall Jenner just bought a stake in TRIP, the British calming drinks brand, adding to her tequila empire, and we unpack why celebrities are increasingly choosing equity over a paycheck. Thanks so much to Generate for making The Curve Weekly possible. Generate has a really impressive 10-year track record, to find out more about their performance click here: generatekiwisaver.co.nz/performance. But remember, a great track record doesn’t guarantee future returns! If you’d like to speak to an advisor, to see if Generate is right for you, you can book time with someone here: https://www.generatewealth.co.nz/curve Credits: Host: Sophie Hallwright & Vic Harris Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:00:50 Generate x The Curve 00:01:09 Lululemon’s founder’s divorce 00:15:57 Generate x The Curve 00:16:37 Kendall Jenner’s new business venture 00:28:18 Community question 00:31:25 Thanks for listening! 00:32:05 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice. Generate’s Product Disclosure Statement and Financial Advice Provider License can be found here: GenerateKiwiSaver.co.nz/disclosures. *Morningstar KiwiSaver Survey March Quarter End 2026. The Generate Focused Growth Fund returns have ranked in the top three of NZ Multi Sector Aggressive Category Funds for 10 year returns every quarter since becoming eligible in June 2023. Most recently the fund ranked 2nd out of 10 funds for 10 year returns to 31 March 2026.

First up, government bond yields just hit levels not seen since the 2008 financial crisis, and the headlines are in full panic mode. Vic breaks down what a bond yield actually is, why investors are suddenly worried that governments around the world have overextended themselves, and why a "boring" corner of finance is about to hit your mortgage, your taxes, and your savings account. Then, Shein went public and lost $5 billion in value in its first week of trading, a brutal comedown from the $100 billion it was worth back in 2022. We unpack why the company's entire business model was built on a legal loophole, and the lesson every investor should take from watching that loophole finally close. Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠⁠⁠Instagram:⁠⁠ https://www.instagram.com/thecurveplatform/?hl=en Substack: https://thecurveplatform.substack.com/ Website: https://thecurveplatform.com/ The Curve Investments: https://thecurveinvestments.co.nz/ ⁠YouTube⁠⁠: https://www.youtube.com/channel/UCFT_HdjhtoRIwPTmQy2TNLw ⁠TikTok: https://www.tiktok.com/@thecurveplatform Chapters 00:00:00 Coming up in this episode … 00:00:46 Pathfinder x The Curve 00:01:15 Quick update 00:04:48 Why boring bonds suddenly matter 00:21:33 Pathfinder x The Curve 00:22:30 Shien IPO 00:30:08 Ethical Hotline 00:37:11 Thanks for listening! 00:37:50 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

Madi Stefanis started her business at 19 with one old film camera and a Facebook Marketplace listing. It sold for 5x the asking price, and that was the beginning of a side hustle that scaled to $70K a month from her bedroom floor, before turning into 35mm Co., a camera brand now sold in nearly every country in the world with over 100,000 units sold. This episode is a true side-hustle-to-global-business story: how Madi went from sourcing and reselling vintage cameras solo, to betting her entire house deposit on manufacturing her own product, to building an 8-figure company, all before turning 26. We get into the real mechanics of scaling a side hustle: how she decided when it was time to go all in, the financial risk that nearly didn't pay off, working with contractors across four countries, and the practical, unglamorous advice she'd give anyone thinking about starting their own thing on the side. Madi’s links 35mm Co Instagram (https://www.instagram.com/35mm_co/) 35mmco.com Madi’s Instagram (https://www.instagram.com/madistefanis/reels/) Check out IOU (The Practical Lessons) here: https://thecurveplatform.com/ We're proud to be partnering with BNZ. There's an art to starting something new, and like any art form, you need the right tools to make it work. Whether you're flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go. Credits: Hosts: Sophie Hallwright & Vic Harris Producer: Emily Rigby Editor: Kate Callaghan Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ (https://thecurveplatform.com/pages/the-curve-hotline) For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)⁠⁠⁠ ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Chapters 00:00:00 Episode preview 00:01:02 The Curve x BNZ 00:01:29 Growing up: Madi's story 00:03:46 The first time money made an impression 00:08:04 Inside Madi's personal finances 00:12:54 A health scare that changed everything 00:18:25 From side hustle to full-blown business 00:29:31 The hard truths no one tells you 00:38:30 Building the business behind the scenes 00:39:58 Her best advice for aspiring founders 00:43:04 Extra credit 00:46:51 Thank you BNZ! 00:47:14 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.