The Curve

The secret's finally out: The Curve Investments is FINALLY here.

If you've been with us since the dusty, windowless studio days, this is the moment we've been building towards since episode one. If you're new here, welcome, you've picked a big week to join. In this episode, we sit down to unpack the biggest announcement The Curve has ever made: why it's taken years (and a lot of behind-the-scenes tears) to get here, what it actually means to invest alongside us, and why Vic left a career in funds management only to walk straight back into it, this time, on her own terms.

Expect honesty about the hard bits plus all the detail on how the fund works, who it's for, and just how little you need to get started. This one's a big deal. Get comfy.

We are so proud to have created a fund that has been designed essentially by you - The Curve Community. To find out more visit https://thecurveinvestments.co.nz/

‘Why now is never the right time to invest.’ : https://youtu.be/mt6Q4-wRvIY?si=9ULFhcl4yjcrP424

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer & Editor: Emily Rigby

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)

Substack (https://thecurveplatform.substack.com/)

Chapters

00:00:00 The announcement we've been sitting on
00:01:05 Fund vs fund manager: what's the difference?
00:07:53 Why Vic wanted a different route
00:13:12 Recording our very first episode
00:15:42 Raising capital + the investing club
00:25:09 How the fund actually works
00:35:05 Who can invest?
00:36:10 What the fund will invest in
00:39:16 Fund investing vs DIY investing
00:40:56 How Vic's feeling about it
00:49:06 Thank you for listening!
00:49:33 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.

The Curve Investments Limited is the Manager and Issuer of The Curve Fund. Product Disclosure Statements are available at thecurveinvestments.co.nz.

Family disputes over wills and inheritance have risen by almost 130% in the last decade. We break down exactly why; from rising dementia rates to blended families and second marriages, to house price booms leaving families with tax bills they can't afford, and share practical ways to protect your family from becoming one of these statistics.

Plus, is the Cartier Love bracelet the new Birkin? We look at whether it's actually a smart investment or just expensive peer pressure, and how the pre-owned Birkin market has returned 92% in a decade. And finally, the India exam scandal: how wealthy families have been paying $50,000 to buy medical exam papers in advance, and what it says about the widening wealth divide.

WTF does that mean? A guide to all the jargony bits:

Luxfluencer — Influencer, but only handbags and jewellery.

Emerging market — Fast-growing economy, not quite superpower yet.

GDP — The scoreboard for how much a country produces.

Wealth tax — Tax on what you own, not what you earn. Still just talk.

Probate — The legal admin after someone dies.

Inheritance tax — The bill after death, with a tight deadline.

Expression of wishes form — The pension form you filled in once and forgot.

Power of attorney — Who legally decides for you if you can't.

Abi’s Links

⁠The Money Manual Book⁠: https://www.penguin.co.uk/books/46857...
⁠Instagram⁠: https://www.instagram.com/abigailrosefoster/
⁠TikTok: https://www.tiktok.com/@abigailrosefoster
⁠YouTube: https://www.youtube.com/channel/UCmvbS2HZTs72pst13nBEmJw/videos

Substack: https://elent.substack.com/

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

Guest: Abi Foster

Producer & Editor: 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)

Substack (https://thecurveplatform.substack.com/)

Chapters

00:00:00 Coming up in the episode
00:01:12 Generate x The Curve
00:01:30 Red or green week?
00:05:59 Is Cartier the new Birkin?
00:14:52 Generate x The Curve
00:15:54 The exam scandal rocking India
00:24:23 Why families are suing each other over wills
00:37:34 Thank you for listening
00:38:12 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.

A Chinese startup called Moonshot AI has released Kimi K3 - the world's largest open source AI model, and it's already rivaling the AI tools we all use every single day. It's cheaper, it's fast, and it's backed by the Chinese government. So why is this making investors panic? In today's episode we break down what Kimi K3 actually is, why "open source" AI could mean the end of paying for ChatGPT and Claude subscriptions and whether this is the moment the AI bubble finally pops

Plus: the UK's political chaos and why the stock market has become impossible to invest in, the oil price spike driving up your grocery bill, and a Curve Hotline question from a listener on maternity leave asking how to keep investing on a reduced income.

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/)

WTF does that mean? A guide to all the jargony bits:

Kimi K3 — Free, open-source Chinese AI model now rivalling Claude/ChatGPT.

AI bubble — Fear that AI stock prices are overhyped and could crash.

ETF — A bundle of many stocks in one investment — easy diversification.

FTSE 100 — UK's top 100 listed companies (our S&P 500).

Fiscal headroom — The gap between what govt earns vs. spends.

3 govt levers to close that gap: print money (→ inflation), raise taxes (VAT, National Insurance, GST), or borrow via bonds.

Brent Crude — Global benchmark oil price.

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Editor: Kate Callaghan

Producer: Emily Rigby

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on 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)

Substack (https://thecurveplatform.substack.com/)

Chapters

00:00:00 Coming up in this episode…
00:01:16 Pathfinder x The Curve
00:01:46 We’re British Podcast Awards finalists!
00:02:48 Abi and Soph’s weeks
00:04:56 Kimi K3 and What It Means for Your Portfolio
00:16:00 Pathfinder x The Curve
00:16:49 UK political instability knock-on effects
00:30:04 Oil prices jump again
00:33:42 The Curve Hotline
00:38:16 Thank you for listening!
00:39:58 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.

Pete has spent 10 years in the property game, helping people build their wealth, including Sophie! In this episode, they team up to unpack the crucial things most buyers quietly ignore: why your life partner is actually your most critical financial asset, the dangerous psychology behind property auctions, and why understanding the difference between a home and an investment property can help you make better financial decisions. If you're buying with a partner, considering your next property move, or just want to know how to spot a red flag before it costs you $40,000, this one is worth your full attention.
Pete’s links:
Instagram (https://www.instagram.com/peterwestproperty)
Website (https://www.westpropertycoaching.co.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-apple-ep15
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
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)
Substack (https://thecurveplatform.substack.com/)

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.

This week on The Curve Weekly, we are joined by writer, broadcaster, journalist and founder of Sex Talks, Emma Louise-Boynton. We dive into Belle Burton's ‘Strangers’, the memoir everyone has been talking about: a story about a husband who ups and leaves after 21 years of marriage with no warning, or explanation.
Soph and Emma unpack why Strangers at the crux of it is a story about financial abuse, and how important it is to not hand over your financial identity. They also get into the rise of long-term relationship ghosting and why now more than ever we need to be protecting ourselves financially - even if we are in love. They talk about why prenups are actually romantic, and create a list of questions every couple should be asking each other to get on the same page financially. 
Oh, and both hosts admit they're currently failing at practicing what they preach in their own relationships. A very honest conversation about why this stuff is so hard to do in practice, even when you know better.
Emma’s Links
Pleasure: https://geni.us/pleasureelboynton
Sex Talks: https://www.sextalks.co.uk/
Instagram: https://www.instagram.com/emmalouiseboynton
Substack: https://emmalouiseboynton.substack.com/about
WTF does that mean? A guide to all the jargony bits:
Prenup An agreement made before marriage on who gets what if it ends.
De facto Legally recognized as a couple after living together for a set period, even if unmarried, with rights similar to marriage.
Trust fund Assets held and managed on someone's behalf, often paid out at a set time or event.
Pension gap The retirement shortfall women face from career breaks.
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
Editor: Kate Callaghan
Producer: Emily Rigby
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)
Substack (https://thecurveplatform.substack.com/)
Chapters

00:00:00 Coming up in this episode…
00:01:27 Generate x The Curve
00:01:48 Introduction to Emma
00:09:49 In the red or the green?
00:14:40 Lessons from Strangers
00:31:50 Avoiding the finance talk with your partner
00:42:39 Generate x The Curve
00:43:18 Step 1: Know yourself and your financial situation
00:48:30 Step 2: Questions to get on the same page with your partner
00:54:13 It’s never too late to start
01:01:52 Thank you for listening!
01:03:02 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.