
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.
Nov 3
46 min

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.
Nov 1
31 min

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.
Oct 29
47 min

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.
Oct 27
50 min

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.
Oct 25
37 min

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.!
Oct 22
49 min

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.
Oct 20
47 min

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 $600m 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.
Oct 18
37 min

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.
Oct 15
1 hr 1 min

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
Oct 13
47 min
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