The Curve

50k guaranteed or flip for a million? (The answer says a lot about you).

The Curve

Show Notes

Would you take a guaranteed 50k or flip a coin for a shot at 1 million? A new YouGov poll reveals a huge gender gap in who's willing to take the risk, and Sophie and Abi discuss whether it's really about risk appetite, or just financial education. Then: why billionaires are buying up land in New Zealand, and how a Kiwi rocket company just spent $8 billion trying to take on Elon Musk. Plus, an AI model "hacked its way out" of a locked test environment (yes, it's as creepy as it sounds), why Apple just became the world's most valuable company while the rest of the Magnificent 7 wobble, and how Dior single-handedly propped up LVMH's entire luxury empire. And in this week's listener question, Abi breaks down the UK's triple lock pension, and why she thinks it's quietly unsustainable.

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/

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/)

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/

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

Expected value - Maths' posh way of saying "just flip the coin." Loss aversion - Why losing £20 hurts more than finding £20 feels good. Golden visa - Buy a big enough house, get a passport thrown in. Magnificent 7 - The 7 US tech giants worth more than whole countries. Sandbox testing - Letting an AI loose in a locked playpen to see what it breaks. Circular financing - Mates' companies paying each other and calling it growth. Triple lock - The state pension's built-in "always go up" button. Double lock - Triple lock's cheaper, less generous sibling. State pension - The government's weekly hand-me-down, currently ~£241. Workplace pension - The pot you and your employer actually build up. Universal Credit - The state pension's cousin, minus the good PR. Inflation eroding savings - Same money, shrinking spending power.

Credits:

Host: Sophie Hallwright

Guest: Abi Foster

Producer: Emily Rigby

Editor: Kate Callaghan

Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠

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⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3)

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⁠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… 00:01:14 Pathfinder x The Curve 00:01:43 It's official: The Curve Fund has launched! 00:03:35 In the red or green? 00:04:11 Would you flip a coin for 1 million? 00:12:34 Why billionaires are buying up New Zealand 00:21:54 Pathfinder x The Curve 00:22:35 The AI model that hacked its way out 00:29:14 How Dior single-handedly saved LVMH 00:34:42 Your question: is the triple lock pension sustainable? 00:41:50 Thanks for listening! 00:42:27 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.

More from The Curve

Oct 22, 2026

Part two of Meet the Founders. After Soph shared her money story, the requests for Vic's kept coming, so we 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. 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: Sophie Hallwright & Victoria Harris 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

Oct 20, 2026

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

Oct 18, 2026

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

Oct 15, 2026

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

Oct 13, 2026

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

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