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The Curve

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The Curve
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  • The Great Property Cycle Debate.
    🌟 WATCH THIS EPISODE ON YOUTUBE 🌟Part two gets spicy. We break down the four stages of the property cycle (recovery, boom, cool-off, slump), why interest rates and prices move like a seesaw, how different countries can be in totally different seasons, and the biggie: your time horizon (think 7-10 years) matters more than crystal-ball timing. You’ll learn how to spot where your market is, when using equity makes sense (and when leverage can bite), and why personal finances beat FOMO every time. Expect practical insights on how interest rates, human behaviour, and timing shape the market - plus the kind of friendly arguing that somehow makes economics feel like reality TV.🔔 We’ve made you a FREE handy little Property Cycle PDF - it’s got all the key takeaways, tips, and what to watch for in the market. It’s totally free, grab it here.We’re proud to be partnering with BNZ, whose Home Loan Partners understand that no two journeys to home ownership are the same. With expert guidance, backed by BNZ’s research team, they’re here to help you make sense of interest rates, affordability, and timing - so you can navigate your property journey with confidence, no matter what stage you’re at.👉To learn more, head here.BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply.Credits:Hosts: Victoria Harris & Sophie HallwrightProducer & Editor: Emily RigbySocial & Digital Manager: Lucy Munro⁠⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Newsletter⁠⁠⁠Chapters:0:00 – Welcome to part two!1:09 – BNZ x The Curve1:57 – Vic’s vibrating bracelet4:04 – Our first thoughts and different approaches to property7:24 – Why it’s key to understand the stages of the property cycle14:08 – Spotting the lull in the cycle19:15 – How property cycles differ around the world24:01 – The role of FOMO in property markets25:31 – The fear of overpaying26:13 – Recap of the stages of the cycle35:16 – Grab our free PDF summary!36:07 – Final thoughts42:08 – Thanks for tuning in43:43 – Financial disclaimerDisclaimer: 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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  • Finance Bros Assemble: We’re Talking AI.
    🎃 WATCH THIS EPISODE ON YOUTUBE 🎃Happy Halloween from the trading floor (aka our studio) where Steven and Victor break down this week’s AI mayhem. We chat the $5T milestone and what chip demand really means, why a certain chatbot’s rumored mega-IPO could suck oxygen (and cash) from the room, PayPal’s new ChatGPT checkout moment, and earnings tea from Microsoft, Alphabet and Meta. Big takeaway: excitement is high, portfolios can quietly get AI-heavy, and rebalancing is your best friend: S&P 500 girlies, you’re already getting plenty of exposure. It’s educational, a little unhinged, and very watchable.WTF Does That Mean? A Guide to All the Jargony Bits:AI Boom - Everyone’s losing it over artificial intelligence.Chips - The brain of AI. Not the potato kind.IPO - A company’s first day on the stock market.Valuation - What we think something’s worth.Earnings Season - When companies spill their financial tea.Diversification - Don’t bet it all on one shiny stock.Correction - The market’s hangover.Long-Term Investor - The chill one who doesn’t panic.CreditsHosts: Victoria Harris & Sophie HallwrightProducer & Editor: Emily RigbySocial & Digital Manager: Lucy MunroChapters:0:00 - Coming Up in Today’s Episode...0:52 - Welcome to the Trading Floor!4:06 - The First $5 Trillion Company on the Stock Market9:54 - How AI Companies Are All Interconnected23:19 - OpenAI Prepares for an IPO35:31 - PayPal x ChatGPT37:08 - It’s Earnings Season!41:57 - Wrap-Up43:21 - Thanks for Listening!44:01 - Financial Disclaimer44:29 - Outtake⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠Website⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠Newsletter⁠⁠Disclaimer: 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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  • Property Cycles Explained.
    🌟 WATCH THIS EPISODE ON YOUTUBE 🌟Ever wondered why the property market feels like it’s having mood swings? Soph and Vic break down the property cycle through the lens of the seasons - from the buzz of spring recovery to the chill of a winter slump - and explain how interest rates, supply, and demand shape each stage. You’ll learn how local “microclimates” impact prices, why you can’t really time the market, and how to read the signs of what’s coming next. Oh, and we’ve also designed a very professional seesaw diagram to explain the whole thing - let’s just say the art world isn’t calling. We’ll be back next month with part two, diving deeper into how long these cycles actually last, where we are right now, and what to watch for if you’re planning to buy or sell.We’re proud to be partnering with BNZ, whose Home Loan Partners understand that the housing market moves in complex cycles and global trends. With access to economic insights, local market knowledge, and years of experience, they’re here to help you navigate your own property journey with confidence - no matter what stage you’re at.👉To learn more, head here.BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply.Credits:Hosts: Victoria Harris & Sophie HallwrightProducer & Editor: Emily RigbySocial & Digital Manager: Lucy Munro⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠Website⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠Newsletter⁠⁠Chapters:0:00 – What’s Coming Up This Episode...1:00 – BNZ x The Curve1:49 – Welcome to the Property Series3:52 – How Market Cycles Really Work10:16 – The Property Seasons: From Summer Booms to Winter Slumps16:21 – How Property Cycles Differ Around the World26:36 – Recap: Seasons, Supply & Demand, and What Shapes the Market39:59 – Wrapping Up + See You Next Month for Part Two41:04 – A Big Thank You to BNZ!42:39 – Financial DisclaimerDisclaimer: 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 Fashion Giants Are Breaking Up with Beauty.
    🌟 WATCH THIS EPISODE ON YOUTUBE 🌟Why are fashion giants breaking up with beauty? This week, we dig into Kering’s $4B “it’s not you, it’s me” moment as it sells its beauty division to L’Oréal - and what that says about the state of luxury right now. Then we jump from catwalks to Korean skincare as Kylie Jenner’s casual TikTok shout-out turns a niche LED mask brand into a $6B sensation (seriously, one post!). There’s also gold’s not-so-glam fall (its biggest drop in a decade) and the return of meme-stock madness with Beyond Meat’s wild week on Wall Street. Plus, a sisterly lesson in latte logic, and a PSA on scams that proves: even the smartest among us can get duped.🎧 Listen to our latest episode on Gold🎧 ⁠Listen to our episode with Tracy HallCreditsHosts: Victoria Harris & Sophie HallwrightProducer & Editor: Emily RigbySocial & Digital Manager: Lucy MunroLeave us a message on The Curve Hotline 💌☎️⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Newsletter⁠⁠Chapters0:00 – Coming up…1:03 – Catch up & financial check-in4:50 – Gold takes a tumble11:48 – Beauty’s big breakup20:17 – The return of the meme stock29:32 – Warner Bros for sale?!33:52 – Soph’s bonus story39:12 – Before we go…40:20 – Thanks for listening!40:58 – Financial disclaimerDisclaimer: 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 Asset Everyone’s Suddenly Talking About.
    🌟 WATCH THIS EPISODE ON YOUTUBE 🌟Something in the market is heating up fast - and everyone from central banks to everyday investors is taking notice. Prices have surged to record highs, headlines are everywhere, and FOMO is creeping in. In this episode, we unpack what’s driving the spike, why timing matters, and what this moment could mean for your portfolio. We’ll talk strategy, risk, and whether it’s a smart move to get involved… or sit it out. This one’s big - and moving quickly.💡 Curious how we’d actually invest in it? Join the Curve Investing Club for our strategy and picks.🎧 Listen to 'SARAH WILSON: Are We All F***ed? Systems Collapse Explained' ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠For more from The Curve:⁠⁠⁠⁠⁠⁠Investing Club⁠⁠⁠⁠Website⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠Newsletter⁠⁠Disclaimer: 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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About The Curve

The Curve is a platform to learn more about money. To change the stereotype that these conversations are typically boring, and only for men in suits. Victoria has worked in the finance and investing world for 13 years, and Sophie is a total novice. Learn alongside her as she asks all the questions you're thinking, but might feel a little embarrassed to ask. This podcast will give you all the tools and knowledge to achieve financial freedom, as well as (hopefully) having a laugh along the way. New episodes every Monday and Wednesday!  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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