The Curve

Pay transparency is coming, how to ask for more & which degrees actually pay off

Someone in The Curve community sent us a screenshot that sums it up: a supervisor finding out the man they supervise earns £4k more than them. Right now only 51% of UK job ads list a salary, but the government plans to make it compulsory. Soph and Emma-Louise Boynton get into what’s changing and why women and minority applicants are 25% more likely to apply when the pay is listed. They also cover how to negotiate as if the law were already here, using Meggie Palmer’s wish, want and walk numbers. Then, nearly half of Australians think they’re overeducated for their job. Emma brings the data on which degrees pay off and which don’t, and the two of them find out how their own degrees stack up. Not financial advice. Want to become an expert negotiator? Watch our episode with Maggie Palmer … https://youtu.be/ZTwXB7o3Ps8?si=h0cLM0_QO5n8I9V1 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 & Emma-Louise Boynton Producer: 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 … 00:01:15 Generate x The Curve 00:01:33 You need to see the Elizabeth Holmes doc 00:06:52 How pay transparency can help you 00:26:45 Are your qualifications worth anything? 00:47:25 Thanks for listening 00:47:45 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.

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The Weekly: The midterm market crash, The Curve Fund’s October update & why David Jones collapsed

The US midterms sent markets soaring, then a day later they fell hard. Vic explains what spooked investors and what a fund manager actually weighs up when prices drop: buy now, or wait for them to fall further? Then it’s The Curve Fund’s October update. Google’s parent company Alphabet lost US$500 billion in a single day, and Vic explains why using something we all understand, your own pay packet. Plus, the EssilorLuxottica heir airing his family’s business on podcasts, and why investors care. And David Jones, the department store older than Harrods, has gone into administration. We cover what that means for the brands it stocks and anyone still holding a gift card. Not financial advice. We're so proud to have created a fund shaped by you, The Curve community. To find out more, visit thecurveinvestments.co.nz. The Curve Investments Limited is the issuer and manager of The Curve Fund. The Product Disclosure Statement is available at thecurveinvestments.co.nz/pages/the-legal-stuff. The Curve Investments Limited is part of The Curve group, and the hosts of this podcast have an interest in it. This is general information only, not financial advice. Investing involves risk and returns aren't guaranteed. Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM Thanks to Xero for supporting this episode. Get 90% off your first six months of Xero, the all-in-one accounting software for small businesses: https://referrals.xero.com/curve Credits: Hosts: Sophie Hallwright & Vic Harris Producer: 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 the episode 00:01:04 Pathfinder x The Curve 00:01:27 What’s going on in the markets?? 00:18:02 Fund update 00:30:59 Pathfinder x The Curve 00:31:31 Xero x The Curve 00:32:51 Is David Jones collapsing? 00:46:48 Thanks for listening! 00:47:07 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.

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How to build your own money playbook (with a little help from AI)

Madi Stefanis was introduced to investing by her mum at 18, starting with small, regular amounts from her paycheck. Now 26 and the founder of 35mm Co., she invests every Friday, matches every designer purchase with the same amount invested, and keeps six months of expenses in an emergency fund. This episode is investing for beginners, told through the lens of someone who started small and stayed consistent: the money beliefs Madi grew up with, what she counts as an investment (and what she doesn’t), and what needs to be true about your finances before you even open an investing app. We also get into how she’s set up AI as her money soundboard: the information she gives it, the prompts she uses to understand her spending, how it helps her decide where a lump sum should go, and why she never uses it in isolation. Missed Madi’s first episode? Hear how her side hustle from her bedroom floor became 35mm Co.: https://youtu.be/a2sFHsTUHRk?si=H04XwGjPTggt_Bu0 Madi’s links … 35mm Co Instagram: https://www.instagram.com/35mm_co 35mmco.com: https://35mmco.com/?srsltid=AYCX9vLhyFUH53eW3x-l4LVjPWWjhQ01jarReWvFjgrnEDbLFbsoXHjy Madi’s Instagram: https://www.instagram.com/madistefanis More information on AI and cybersecurity … https://www.instagram.com/reel/DeND7JsOdn7/?utm_source=ig_web_copy_link&exln=NTc4MTIwNjQ2YQ== 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: 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 today’s episode 00:00:45 BNZ x The Curve 00:01:22 Personal information disclaimer 00:02:11 Madi’s new launch 00:05:21 In the red or green? 00:07:45 Relationship with money growing up 00:17:16 Madi and Soph’s investments 00:24:43 Making the leap into investing 00:29:35 How to use AI as a financial sounding board 00:40:58 How to structure your investments 00:48:47 Extra credit 00:50:39 BNZ x The Curve 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.

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The Weekly: Inside Anthropic’s IPO filing & why Mark Zuckerberg doesn’t want your vote

Anthropic just filed to go public, and it could be the biggest IPO in history. Vic breaks down what’s actually in the filing: wild revenue growth, a cash pile bigger than Apple’s and Nvidia’s combined, and an unusual share structure. She also has a big question about why Anthropic is listing now. We cover who can actually buy in, depending on where you live. Then, Mark Zuckerberg is creating a new class of Meta shares with no voting rights at all. Soph starts out on his side. She doesn’t stay there. 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 Thank you to our partner Lexus New Zealand for supporting The Curve, and for reminding us that being good with money includes enjoying what you’ve worked hard for. 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 today’s episode 00:00:52 Generate x The Curve 00:01:11 FinFest debrief 00:04:37 Anthropic’s IPO 00:27:01 Generate x The Curve 00:27:38 Lexus x The Curve 00:27:57 What’s icky about Zuckerberg? 00:45:24 Thanks for listening! 00:45:45 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.

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How the NZ election could change your pay, your KiwiSaver and your rental

New Zealand votes on 7 November, and this election could change more about your money than you think. Soph admits she’s never read a policy in her life, so Vic walks her through what’s on the table. They cover what National and Labour each want to do with your KiwiSaver, who’d be paying more into it, Labour’s proposed capital gains tax on rental and investment property, and the change for new parents that both parties agree on. Plus, does the sharemarket actually do better under National or Labour? If you want to cut through the campaign noise before you vote, start here. Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM Thanks to Xero for supporting this episode. Get 90% off your first six months of Xero, the all-in-one accounting software for small businesses: https://referrals.xero.com/curve Credits: Hosts: Sophie Hallwright & Vic Harris Producer: 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 today’s episode … 00:00:37 Pathfinder x The Curve 00:01:02 What should you care about in this election? 00:11:53 National’s KiwiSaver policy 00:17:44 Labour’s KiwiSaver policy 00:21:11 Fixing the gender wealth gap 00:26:55 Will the stock market be impacted? 00:28:17 Oh god tax 00:31:09 Thanks for listening! 00:31:21 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.

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What nobody tells you about buying a house at auction

Hannah Hart started saving for a house at 10 and built her first property by 21. Buying the home she lives in now took four to five months, four auctions and a lot of tears. She joins Soph to talk through what really happens when you buy at auction: why one building report stopped her taking on $400,000 of work, what to do when someone else brings an auction forward, and the bidding move her husband made as the hammer was coming down. Plus the three foundational learnings she wants every first-home buyer to know before they start looking. We're proud to be partnering with BNZ, because no two journeys to home ownership are the same. BNZ's home loan experts are there to help you navigate the process with confidence – from search to signing. 👉 To learn more, head here: http://bnz.co.nz/home-loan-partners-spotify-ep18 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. In case you missed Hannah’s priceless budgeting advice on IOU … https://open.spotify.com/episode/7flWRpTACIKVhaimc111dp https://open.spotify.com/episode/5FDI0aPG5bzbriRooqXDWG https://open.spotify.com/episode/2J07xaLGuXUAJcqUo4eZFU Hannah’s Links: https://www.instagram.com/hannahkoumakis/ Credits: Hosts: Sophie Hallwright & Vic Harris Producer: 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 … 00:00:25 BNZ x The Curve 00:00:39 Catch up 00:02:59 Hannah’s hustle to two properties 00:08:59 The importance of equity 00:13:58 What Hannah thought she knew 00:16:03 Building your property team 00:20:11 BNZ x The Curve 00:20:38 The dangers of auctions 00:26:11 Wtf is bringing an auction forward? 00:31:32 Don’t play the odds, play the man 00:41:34 The ethical dilemma 00:44:31 Foundations 00:45:51 BNZ x The Curve 00:46:36 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.

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The Weekly: Shopped at ASOS? Your data could be out there & Victoria’s Secret’s comeback

Soph and Emma Louise-Boynton get into the ASOS hack, where hackers messaged customers directly through the app after the company wouldn’t pay up. We talk about how these digital ransoms work, why so many businesses quietly hand over the money, and the flaw hiding under 70% of the internet that nearly went very wrong. Plus, the cybersecurity stocks and insurers doing well out of it all. Then we turn to Victoria’s Secret, from Kylie Jenner’s $50 million bra to how the brand clawed its way back after years of decline. Not financial advice. Not sure how to incorporate AI into your business? Discover Out Source, our recommended AI automation partner … https://thecurve.out-sauce.ai/refer/out-sauce. 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 Producer: 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 … 00:01:13 Generate x The Curve 00:01:28 Dream spending 00:03:47 What the ASOS hack means for cybersecurity? 00:29:18 Generate x The Curve 00:29:52 The rebirth of Victoria's Secret 00:49:39 Thanks for listening! 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.

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The Weekly: Why Netflix’s shares fell & EssilorLuxottica's best day since 2008

It’s reporting season, when listed companies hand in their report cards and share prices swing on the results. This week Soph and Vic dig into two of them. Netflix grew its profit by around 43%, yet its shares fell, so what were investors actually reacting to, and why is YouTube now the rival to watch? Then there’s a company you’ve probably bought from without realising: EssilorLuxottica, owner of Ray-Ban, Oakley and Sunglass Hut, whose shares just had their biggest one-day jump since 2008. Don’t miss Vic’s money story! https://www.youtube.com/watch?v=pTWLHI9Vjig&t=74s Still not sure about divesting? Read Pathfinder’s blog post … https://pathfinder.kiwi/insights/ethical-hotline-divesting/ Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM Thanks to Xero for supporting this episode. Get 90% off your first six months of Xero, the all-in-one accounting software for small businesses: https://referrals.xero.com/curve Credits: Hosts: Sophie Hallwright & Vic Harris Producer: 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 today’s episode … 00:01:07 Pathfinder x The Curve 00:01:29 Netflix fails to impress investors 00:15:55 Pathfinder x The Curve 00:16:33 Xero x The Curve 00:17:42 The sunglasses gugernaught 00:29:54 Ethical Hotline 00:37:10 Thanks for listening! 00:37:31 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.

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Vic said no to Goldman Sachs and ended up making $400k by 26

Part two of Meet the Founders. After Soph shared her money story, the requests for Vic's kept coming, so our Producer, Emily, and Digital & Social Manager, Lucy, sat her down for the full version. Vic takes us from selling her sister's clothes on Trade Me as a kid to choosing a South America trip over a job offer at Goldman Sachs, then starting out answering phones at Milford Asset Management. She shares the employee share offer she nearly turned down and what it grew into, what she learned as one of the only women in the room, and how her salary went from $45k to over $400k. Then it's on to The Curve. She talks about the friends who wouldn't stop telling her to start it, what raising money from investors was really like, her lowest point with money, and why she launched The Curve Investments. She also answers your community questions and gives her advice for anyone on the edge of a big decision. Watch Soph’s money story if you haven’t already! https://youtu.be/6NrkbtrC_Qg?si=U4dTbKku2I3XUwF0 We're so proud to have created a fund shaped by you, The Curve community. To find out more, visit thecurveinvestments.co.nz. The Curve Investments Limited is the issuer and manager of The Curve Fund. The Product Disclosure Statement is available at thecurveinvestments.co.nz/pages/the-legal-stuff. The Curve Investments Limited is part of The Curve group, and the hosts of this podcast have an interest in it. This is general information only, not financial advice. Investing involves risk and returns aren't guaranteed. Credits: Hosts: Victoria Harris, Emily Rigby, and Lucy Munro Producer: Kate Callaghan 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:⁠⁠⁠⁠ ⁠⁠⁠⁠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 epsiode ... 00:01:02 Intro 00:04:02 Vic's relationship with money growin up 00:09:05 Turning down Goldman Sachs 00:14:55 Working as a woman in finance 00:30:00 Building The Curve 00:37:30 Your questions 00:45:30 Final advice 00:48:59 Thanks for listening! 00:49:19 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.!

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The Weekly: Bumble's Reverse IPO, LVMH’s Plummeting Shares, & Is a Chanel Bag a Good Investment?

Bumble was once worth US$14 billion. Now it’s being bought for US$1.3 billion and taken private, and the app built on women going first will be run by two men. Soph and Emma get into what went wrong, what happens to your shares when a company leaves the stock market, and why LVMH shares are down around 40% while Uniqlo keeps breaking records. Plus, is a Chanel bag ever really an investment? In case you missed our lab-grown vs natural diamonds episode … https://youtu.be/0qCN7Z1XFKM?si=KLlYJa-2hA5wu4Lt 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 & Emma-Louise Boynton Producer: 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 … 00:01:05 Generate x The Curve 00:01:22 Are we Karen’s now? 00:05:49 The Bumble Stumble 00:30:18 Generate x The Curve 00:30:54 Is Luxury dead? 00:47:52 Thanks for listening! 00:48:11 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.

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The Weekly: AMD’s $1tn month, Warner Bros CEO drama & The Curve Fund is now on Sharesies

Vic is officially back in New Zealand with big news: The Curve Fund is now live on Sharesies. She explains why September is so often a rough month for markets, the best analogy you’ll hear all year for how AMD became a trillion-dollar company without making a single chip, and why the company everyone should be watching isn’t Nvidia. Plus, how Warner Bros.’ CEO walked away with US$606 million after losing his job, and why stock options are worth asking about next time you negotiate your pay. Can’t get your head around bonds? https://youtu.be/BVhMzrp9jo0?si=IJF7VYP2PyZjwGGH How to ride the peptide wave … https://youtu.be/cKoNDrtjp_U?si=fIOe6BzImsgkDSO7 We're so proud to have created a fund shaped by you, The Curve community. To find out more, visit thecurveinvestments.co.nz. The Curve Investments Limited is the issuer and manager of The Curve Fund. The Product Disclosure Statement is available at thecurveinvestments.co.nz/pages/the-legal-stuff. The Curve Investments Limited is part of The Curve group, and the hosts of this podcast have an interest in it. This is general information only, not financial advice. Investing involves risk and returns aren't guaranteed. Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM Credits: Hosts: Sophie Hallwright & Vic Harris Producer: 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 … 00:00:45 Pathfinder x The Curve 00:01:10 Vic’s back in NZ 00:08:35 The Fund announcement you’ve been waiting for!! 00:11:31 How to understand fund results 00:14:59 What’s the fund investing in 00:24:24 Pathfinder x The Curve 00:24:58 The payout 00:36:15 Thanks for listening! 00:36:36 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.

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If he buys you a lab-grown ring, does he still love you?

Today we're talking lab grown versus natural diamonds, and by the end of it, neither of us landed exactly where we thought we would. Sophie sits down with Martha (@martha.stewish) to unpack where diamonds actually come from, why the cut matters more than the size, and how a 90-year-old marketing campaign convinced generations of women that a natural diamond equals real love. We get into resale value, the celebrity engagement rings we assumed were natural, and why some of the richest people you know are quietly choosing lab grown. Full community data in this week's Substack! https://thecurveplatform.substack.com/ This episode is proudly supported by Michael Hill. We've teamed up to give one of you a diamond tennis bracelet, details on Instagram! https://www.instagram.com/thecurveplatform/?hl=en Credits: Hosts: Sophie Hallwright & Victoria Harris Producer: Kate Callaghan Editor: Emilly 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:⁠⁠⁠⁠ ⁠⁠⁠⁠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 Michael Hill x The Curve 00:01:49 Soph and Martha’s initial thoughts 00:04:08 The history of diamonds 00:07:00 How the sausage is made 00:10:15 What gives a diamond value 00:18:23 Who's behind it all? 00:21:50 How much should you spend on a ring? 00:33:09 Diamonds as an investment 00:39:06 Michael Hill x The Curve 00:39:59 Celebrity engagement rings 00:44:53 Engagement rings generally 01:00:00 Thanks for listening! 01:00:43 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.

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The Weekly: Sydney Sweeney’s Prediction Market and the Generation Beauty Forgot

Emma Louise Boynton is back, filling in for Vic. Sydney Sweeney’s “just sports” ad caused a stir, but the bigger story is that she’s an investor in Novig, the prediction market now reportedly worth $2 billion. Soph breaks down how prediction markets work and whether they’re anything more than sports betting. Then Emma brings the story of Sarah Creal, the Victoria Beckham Beauty co-founder who’s just launched a brand in the UK for women over 40, the generation with the most money to spend and the fewest products made for them. Check out Emma’s book! https://geni.us/pleasureelboynton 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: Emma-Louise Boynton 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 … 00:01:16 Generate x The Curve 00:01:30 Catch up 00:06:48 Sydney Sweeney is shaking up the prediction markets 00:24:13 Generate x The Curve 00:24:50 Discover this forgotten market 00:46:30 Thanks for listening! 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.k

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The Weekly: Mortgage rates hit 6%, the US$200bn pill race and why we hold on to bad investments

UK mortgage rates have hit 6% for the first time since Liz Truss’s mini-budget, yet the Bank of England hasn’t raised rates. So who’s pushing them up, and why does it matter even if you don’t own a home? With Vic on her way home to New Zealand, our lead investor Nicole Bremner steps in alongside Soph to explain. Then, the race to turn weight-loss jabs like Ozempic into a pill. It could more than double the number of people using them, and Nicole shares how to invest in a trend like this without having to pick the one winning drug. Plus, a listener is losing money every month on a house she bought with her brother. Nicole has been in the same position with one of her own properties, and explains why so many of us hold on to bad investments for far too long. Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM Credits: Hosts: Sophie Hallwright & Vic Harris 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 … 00:00:56 Pathfinder x The Curve 00:01:22 In the red or the green? 00:04:47 What’s happening to mortgage rates? 00:14:09 Community Question 00:22:40 Pathfinder x The Curve 00:23:16 How to ride the peptide boom? 00:36:46 Thanks for listening! 00:39:06 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.

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What’s the ROI on looksmaxxing?

It’s time to talk about "looksmaxxing," the internet's term for optimising everything about your appearance, and why so many of us are quietly pouring hundreds (or thousands) of dollars every month into it. Soph is joined by Hanna Horvath, author of the money and culture Substack ‘Your Brain on Money’. Together they dig into why Love Island contestants are the extreme end of a spectrum we're all on and why the return on investment for looking good is way blurrier than we like to admit. We also get into the psychology of impulse beauty spending and how to actually start pulling yourself off the hot girl hamster wheel. Hanna’s links … Substack (https://yourbrainonmoney.substack.com/) Instagram (https://www.instagram.com/yourbrain_onmoney/?hl=en) TikTok (https://www.tiktok.com/@yourbrainonmoney) 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/) Chapters 00:00:00 Coming up in this episode … 00:01:02 Are we low-key Love Island contestants? 00:10:10 Hot girl hamster wheel 00:14:07 What's the ROI on tweakments? 00:23:04 Where did “looksmaxxing” come from 00:27:57 How to opt out 00:49:16 Thanks for watching 00:49:46 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.

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Why Oura pulled its $15BN IPO + is AI making us dumber?

First up, Oura was about to go public. It was looking to raise $2.2 billion at a valuation of more than $15 billion, then pulled out at the last minute. We break down what an IPO actually is and why companies wait for a sunny market before they list. Plus, why Oura's subscription model could make it one to watch when it finally does go public. Then, Meta's new AI agent Muse can book, buy, and email on your behalf. We reveal how the Curve community is using AI, from budgeting to building apps. But with new MIT research finding ChatGPT users' brains were 55% less active, what are we losing when we outsource our thinking? We get into why your brain needs friction and how to use AI without losing your edge. Plus, Soph shares how The Curve uses AI to run a tiny team with a huge output. Not sure how to incorporate AI into your business? Discover Out Source, our recommended AI automation partner https://thecurve.out-sauce.ai/refer/out-sauce Look out for The Curve audience AI survey results on our Substack https://thecurveplatform.substack.com/ Emma's article rec: David Robinson's essay in The Atlantic on why he resigned from OpenAI's safety team https://www.theatlantic.com/technology/2026/10/openai-safety-team-resignation/688881/ 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 today’s episode 00:00:54 Generate x The Curve 00:01:12 Where’s Soph in the world? 00:07:34 Oura’s IPO back step 00:28:30 Generate x The Curve 00:29:03 What Meta’s new drop means for AI 00:57:10 Thanks for listening! 00:57:47 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.

The Weekly: Women do the work, but men have the power

We're back from our break, and we're kicking things off with not one but two personal updates. Soph opens with some very happy news, and Vic's comes right at the very end, so make sure you stick around. Trigger warning: this episode discusses the Cornell University sexual assault case. We look at who holds the power and the purse strings at elite universities, why donors could be the key to real change, and why this is exactly why we do what we do. Women do the work, men have the power, and money is a big part of that. Then, Nvidia writes the biggest cheque in US corporate history and makes it out to itself. We break down what a share buyback actually is and why Vic calls it the greenest flag of all time. Plus, its closest rival AMD becomes the first company led by a woman to hit US$1 trillion, and we look at what happens when a household name like Nike stops innovating. Interest in The Curve Investments? Read more info here: https://thecurveinvestments.co.nz/?srsltid=AU7gw4UndzAS-IYAxL0y4DggVR25nsl3fQyGTqIo_B6OK8_lhga1UROt Check out the scary AI consciousness article from The Economist: https://www.economist.com/interactive/briefing/2026/08/20/the-search-for-consciousness-inside-llms Wondering whether an investment actually lines up with your values? 👉 Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM Credits: Hosts: Sophie Hallwright & Vic Harris 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 today’s episode 00:00:46 Pathfinder x The Curve 00:01:11 Soph’s got BIG news! 00:16:04 The financial repercussions for Cornell University 00:26:35 Pathfinder x The Curve 00:27:17 Heated chipmaker rivalry 00:42:15 Vic’s got BIG news 00:45:14 Thanks for listening 00:45:53 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.

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Beginner's guide to stocks

What is a share price, how is it actually set, and what makes it move up or down. This episode breaks the stock market down to its most basic level, buyers and sellers in a marketplace, and explains why getting emotionally attached to a stock (much like a bad relationship) is one of the easiest ways to make a bad decision. A great primer before you buy your first share. 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 Chapters 00:00:00 Welcome to The Curve Throwbacks 00:00:57 Soph’s intro 00:01:57 Beginners guide to stocks 00:24:56 Thanks for listening! 00:25:23 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.

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Don’t invest all your eggs in one basket

Diversification is one of those words that sounds boring until it saves your portfolio. This episode breaks down what it actually means to spread your risk, why the stock market works like any other marketplace, and why falling in love with a single investment can be one of the most costly mistakes you make. Comes with a story about a company that no longer exists, and why that matters. 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 Chapters 00:00:00 Welcome to The Curve Throwbacks 00:00:57 Soph’s intro 00:06:30 Beginners guide to diversification 00:26:27 Thanks for listening! 00:26:55 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.

High Risk vs Low Risk Investments Explained

Risk is one of those words that sounds terrifying until you understand what it actually means. This episode walks through how to think about your own risk appetite, why investing and gambling are not the same thing, and why checking your investments constantly can do more harm than good. A solid one for anyone who feels anxious about the idea of investing before they've even started. 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 Chapters 00:00:00 Welcome to The Curve Throwbacks 00:00:57 Soph’s intro 00:07:36 The fundamentals of risk 00:30:32 Thanks for listening! 00:31:00 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.

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