Diamond Property and Wealth Ltd

Diamond Property and Wealth Ltd Financial Advisers based in Auckland. We help clients invest in property, KiwiSaver and managed funds

We started Diamond Property & Wealth to help more Kiwis take charge of their own future.

The financial rules/beliefs I've changed since turning 35I'm 37 now, and looking back at the beliefs I've let go of over...
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.

Nothing beats hearing this from clients. 🤩“Maria has been absolutely incredible to work with. She took the time to thoro...
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.

Appreciate the trust and the kind words from our dear clients. 🙏🙏🙏
29/05/2026

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

I had an annual review with clients recently.Their financial plan had been implemented about 12 months earlier.So natura...
26/05/2026

I had an annual review with clients recently.

Their financial plan had been implemented about 12 months earlier.

So naturally, one of the first things I checked was portfolio performance.

The return after fees and tax was just above 4%.

Honestly?
I wasn’t happy.

This was a growth portfolio.

I was already preparing to have a very direct conversation with the fund manager.

But then I checked the actual 12-month return of the fund itself.

Just over 10% after fees.

That stopped me in my tracks.

How does a client in the same fund get 4%… while the fund itself returned 10%?

Then I found the problem.

The clients were investing based on emotion instead of strategy.

They delayed their initial lump sum contribution by two months because they were unsure about the market.

Then throughout the year they only contributed when the market “felt good”.

Which means they missed many of the strongest recovery days and growth periods.

This is exactly why disciplined investors build wealth faster than emotional investors.

Not because they are smarter.

Because they are consistent.

Because they understand that investing is not about how you feel this month.

It’s about what your strategy requires over decades.

The scary part?

Most people never notice this mistake.

They think they’re investing.

But in reality they’re unintentionally sabotaging their own returns year after year.

That’s why annual reviews matter.

Not just to review performance —
but to catch behaviour that quietly destroys wealth.

And this is also why dollar cost averaging matters so much.

Because 4% vs 10% over one year is frustrating.

But over 20–30 years?

That difference can literally cost someone millions.

Honest question:

Are you investing based on strategy…
or based on emotion?

Because your emotions might be far more expensive than you realise.

If you want help building a strategy you can actually stick to — let’s chat.

The reason why you don’t have a 7 fig investment portfolio or not on track toward that is the same reason you can’t spea...
20/05/2026

The reason why you don’t have a 7 fig investment portfolio or not on track toward that is the same reason you can’t speak French fluently, dance ballet, fix your own car or perform a surgery.

It’s simple - you don’t have the skills to build wealth.

Admit it, You haven’t spent any time or energy or money mastering the skills.

And while you intellectually can understand this concept subconsciously you still think that wealth creation will happen by accident at some stage. Or you will get to it later.

Imagine if you applied this approach to other areas of your life.

For instance:

⁃ One day I’ll just be lifting 100kg (while going to the gym 3 times a month)
⁃ One day I’ll get that promotion at work (without actually determining the plan of action to demonstrate higher value at work)
⁃ One day I’ll become a lawyer/engineer/teacher (without studying and practicing)

It sounds ridiculous when you put it like that right?

Yet that’s the attitude most people have when it comes to building a profitable investment portfolio.

Why do you think wealthy people get wealthier while others get poorer or stay the same? The wealthy invest in the skills of growing their wealth while others don’t.

Where it often gets confusing is the high income earning people don’t believe they have a problem with wealth creation. They do feel like they made it and they are successful. (And please do feel great about your success).

The distinction however is this:

The skills it takes to earn money are very different to the skills it takes to grow wealth.

Once it clicks and you admit that you just simply lack those skills, not the intelligence or hard work ethic, then you can take the right path forward.

07/05/2026

The rule of thumb that we have in the investment industry is that you have to build your investment portfolio to $100k as your first milestone. Late legendary Charlie Munger was a big advocate for this.

The reason for this is that at this level the compound interest can create really meaningful returns. And this is very true.

However when you start investing this can be quite an overwhelming goal. For most people it will take 5-7 years to get there.

Here is my breakdown of milestones that I recommend and a magic number to hit.

Milestone 1: $1,000
Milestone 2: $10,000
Milestone 3: $20,000 🥳 Right here is your magic spot actually. This is where you start to feel your money working for you. At 20% return the portfolio then adds $4,000 just in profits. (For those of you who done believe in 20% returns - the S&P500 just hit 30% for the last 12 months). This is the amount that could pay for a trip somewhere. Not that you would withdraw it and do it but you are starting to see options.

You also get excited and addicted to investment here. At this point you have become a very different version of yourself compared to who you were when you had nothing invested. You actually now want to keep going.

The mistake that inexperienced and undereducated investors make is they take too long to get to this point. Some will take 5 years. That’s a glacial pace. And I bet the reason why it takes too long wasn’t because you had no money to invest, it was probably because you didn’t have a strategy and wasn’t always consistent.

Our clients hit this milestone within 12 months.

So here is the conclusion: hit your first $20k invested as quickly as possible.

And to finish my point about milestones:
Milestone 4: $50,000
Milestone 5: $100,000

If you’ve been thinking about working with a financial adviser but haven’t acted yet — you’ll see yourself in this.Let’s...
01/05/2026

If you’ve been thinking about working with a financial adviser but haven’t acted yet — you’ll see yourself in this.

Let’s be honest for a second.

You’re not avoiding a financial adviser because you don’t care about your future.
You’re avoiding it because of the beliefs you’re holding about money and financial advice right now.
Let’s unpack them.

1. You feel like you should be able to figure this out yourself. You’re smart. You’ve built your career. People rely on you. So when it comes to money, there’s this expectation: “I should be able to handle this.”

And to a degree, you can.

But the question is not can you… it’s whether guessing your way through decisions that impact your long-term wealth is actually the best use of your time and energy.

1. You think advice is expensive. You might be thinking:

• “Is it really worth it to spend $2,500 on a plan? I can probably do this myself”

But what’s often missing is the cost of not having the right strategy.

❌If your structure is messy
❌If your investments are underperforming
❌If you delay decisions or make them based on how you feel or media noise

That doesn’t cost you a few thousand. It costs you millions and a number of years.

Just in 12 months our clients are adding more than $100k to their net worth, shaving off years of their mortgage while travelling and living their life. It will be the best money you will ever spend.

3. You feel like you’re not “there yet”

You tell yourself:

• “I’ll do this properly later”
• “I need more money first”

But this is like saying: I’ll hire a personal trainer once I’m already in shape.

The whole point of getting the right advice is to get there faster, with less wasted time and fewer wrong turns.

4. You’re not convinced it will make a real difference

If you’re thinking:

“I’ll invest anyway… how much better can it really be?”

This is where most people underestimate the impact.

A 1–2% difference in returns sounds small.

But it’s like being slightly off course on a long-haul flight.

At the start, it looks insignificant.
By the end, you’re in a completely different place.

Some of our clients are adding additional 5% return per annum to what they were previously doing. This is thanks to extensive research that we do, the powerful connections we have made in the industry and us having high benchmarks. Yes you can achieve 8% per annum for your growth fund by yourself. If that’s where you wish to stay then sure do it yourself.

5. You’ll “get to it” later

You fully intend to sort this out. But life is full of work, family, commitments. So it keeps getting pushed.

Not because it’s not important —
but because nothing is forcing the decision today. There is no urgency today to build your wealth in 10-15 years. But that’s a limiting belief because time is the irreversible asset you have. Almost every single client I meet regrets that they haven’t started investing sooner.

None of this is irrational.

But what most people don’t realise is this:

You’re not delaying the decision, you’re delaying the result.

And when it comes to money, that delay is measurable.

Not in weeks or months — but in hundreds of thousands over time.

If you saw yourself in this, it doesn’t mean you’ve done anything wrong.

It just means you’ve reached the point where guessing is no longer the right strategy.

And that’s usually where real progress starts.

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