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Kath Bier, Wellington City Mission’s general manager of brand and communications (Photo: Mele Tau’alupe)
Kath Bier, Wellington City Mission’s general manager of brand and communications (Photo: Mele Tau’alupe)

PartnersJuly 29, 2021

The charities taking on child poverty, from cause to effect

Kath Bier, Wellington City Mission’s general manager of brand and communications (Photo: Mele Tau’alupe)
Kath Bier, Wellington City Mission’s general manager of brand and communications (Photo: Mele Tau’alupe)

Child poverty isn’t a problem with one set solution – it truly does take a village to help break the cycle. With help from their donors, Share My Super is putting money into charities addressing child poverty from all angles.

New Zealand has one of the highest numbers of registered charities per capita in the world, and global studies have shown that New Zealanders are some of the most generous donors. 

Liz Greive* is one person who saw an opportunity to make a difference. A former social worker, Greive founded the charity Share My Super after reaching retirement age and realising that while for many people the pension was essential for their quality of life, she was in the lucky position of not needing the extra cash. 

Greive felt there was a missing opportunity for herself and others in similar positions to help those in need of an extra hand. “I came to the conclusion that the most needy people in New Zealand, where real progress could be achieved, would be with children who were having a hard start,” she says. “I was well aware of the poverty that many people experience and how hard it is to raise a family when there is quite simply not enough money coming in.”

Eliminating systemic poverty is a complex challenge, one which requires multiple organisations to work together. For that reason, Greive selected a number of charities working to eliminate child poverty, so that people would have the option of donating any surplus superannuation to more than one organisation at a time. 

“There are no simple answers or solutions to child poverty and I wanted donors to have a choice of causes that would resonate,” explains Greive. Some people prefer to give practical donations that provide immediate support, such as blankets or food, while others want to see a longer-term benefit through mentoring, advocacy and further education.

Dr Ang Jury, chief executive of the Women’s Refuge (Photo: Mele Tau’alupe)

Team players

The charities with which Share My Super fosters long-term partnerships support the organisation’s collaborative approach. Dr Ang Jury, Women’s Refuge chief executive, compares the strategy to the philosophy of needing a village to raise a child.

“We need a village to deal with the sorts of issues that the whānau that use our services are experiencing,” she says. She emphasises that one charity can’t fix everything, but that by working together, organisations can create real change. “We all have our own particular areas of expertise and we have to work together if we’re going to achieve decent outcomes.”


Share My Super’s charity partners work together to impact children’s lives. Join the community uniting against child poverty today at sharemysuper.org.nz


The Wellington-based organisation has 40 affiliated refuges throughout the country. Each year, thousands of children come through their doors seeking an escape from domestic and family violence. Last year the charity provided 73,677 nights of accommodation, with 62% of their clients under 10 years of age. Providing these tamariki with a safe haven and helping them to ultimately return to a stable home life can help to stop the cycle of poverty.

“Poverty doesn’t cause family violence, but it certainly is a nice fertiliser for it. And we do know that one of the leading causes of poverty – and particularly of homelessness – is family violence.”

Dr Jury says Share My Super’s donations are incredibly valuable to Women’s Refuge. The untagged funding, in contrast to allocated government funding, allows refuges to buy “all of those little things that are really big things for the families concerned,” such as a week’s groceries for a family, a kid’s school camp fees, or a new school uniform. 

Kath Bier, Wellington City Mission’s general manager of brand and communications (Photo: Mele Tau’alupe)

Fostering dignity

The Wellington City Mission is another charity partner putting Share My Super’s funds towards their work with children. This includes helping to advocate for whānau in need, ensuring they are in appropriate, warm houses, providing financial mentors to help families out of debt, and allowing them to shop for essentials at the charity’s new social supermarket. The shop, which opened in March this year, replaces the Mission’s traditional food parcel system and gives families more choices and dignity.

“Being able to shop for what your family actually wants and needs is so mana-enhancing,” says Kath Bier, the charity’s general manager of brand and communications. “It is the supportive donors, like Share My Super, that keep those shelves stocked and pay for our social workers who are walking alongside our shoppers as they shop.”

The new system of providing food gives social workers better opportunities to check in on how a family is managing at home, as often there will be bigger issues at play. “When a family comes to us for food support, that is just a manifestation of other stuff going on.”

Wellington City Mission works with a number of other charities and believes everyone has a part to play in the challenge of eliminating childhood poverty. “I know that the Mission encourages everyone to think, ‘What can we do?’” says Bier. “We all need to be thinking about it.”


When you donate to Share My Super, you have the option of giving to one charity, or multiple charities in one transaction. You can choose from a range of organisations, from Wellington City Mission, which is feeding families from its new social supermarket, to Child Poverty Action Group (CPAG) which works alongside the government in its efforts to eliminate child poverty. With founder Liz Greive funding the operating costs of the charity, 100% of donations go to the donor’s charity or charities of choice.


Dr Ang Jury, chief executive of the Women’s Refuge (Photo: Mele Tau’alupe)

A systemic solution 

While the Mission is hands-on, providing immediate support to families dealing with poverty, CPAG looks at the bigger picture, and aims to treat the root causes of poverty. The Auckland-based organisation produces evidence about the causes and effects of poverty on children and advocates for the needs of tamariki to be prioritised in government budgets and policies.

“We work constructively with the government to try and push them to keep children’s voices front and centre in any policy decisions,” says Laura Bond, executive director of CPAG.

One of CPAG’s values is kotahitanga: working collectively to uphold the mana of children. As well as working with Share My Super and the government, CPAG collaborates with other organisations, “particularly those that are the boots on the ground, working with people each day, understanding what the issues are.” The charity in turn provides research and policy support to a number of organisations to help inform their responses to the poverty crisis. 

Share My Super’s funding supports CPAG in undertaking additional research that the charity might not otherwise be able to fund. “It’s a really critical income source for us in order to make sure that when opportunities come up, we can jump on them.”

The government has a goal of halving child poverty by 2028, and while there has been some progress on this front, there is still a long way to go. Jacinda Ardern says policies such as the Families Package, which increased financial support for low-income families, and free doctors visits for under 14 year olds have helped to reduce the number of children living in poverty. Stats NZ figures for the year ended June 2020 show that 11.3% of children were living in material hardship, down from 13.2% for the year ended June 2019 (material hardship is defined as a household going without more than six of 17 essentials). 

However, CPAG is understandably still concerned about these statistics, particularly with nearly one in five disabled children, nearly one in five Māori children and more than one in four Pacific children living in material hardship, compared with just over one in 10 children overall. 

It’s these statistics that motivate Share My Super and its charity partners to continue in their aim of eliminating child poverty. “The government has a strong focus on child poverty eradication, but things aren’t going to change for some time,” says Share My Super CEO Lorraine Taylor. “You can’t wait until systemic change happens. Kids need help now.”

* Share My Super founder Liz Greive is the mother of The Spinoff founder Duncan Greive.

Keep going!
(Image: Tina Tiller)
(Image: Tina Tiller)

MoneyJuly 28, 2021

Introducing Hatch’s Great Debate on shares vs property

(Image: Tina Tiller)
(Image: Tina Tiller)

This Thursday, Hatch will be hosting The Great Debate – a webinar on the merits of property and shares investment. We spoke to the debaters and asked some of the questions that are likely to come up.

Both the property market and the world of shares are bedevilled by enough mystery, myths and misconceptions to send potential investors running for the hills – or crypto. But for those fortunate enough to have some savings or extra disposable income, there’s a lot to be gained from putting money in either world. You just need to understand the realities.

This Thursday, Hatch will be hosting The Great Debate – a property and shares webinar that will aim to explain their respective values and risk for investors and answer the burning question: what is the most lucrative, stable and ethical investment? 

As a taster, The Spinoff spoke to Hatch’s great debaters: Natalie Ferguson, head of experience at Hatch, and Darcy Ungaro, financial adviser at Ungaro & Co.

With Ferguson in the sharemarket corner and Ungaro backing property, we asked the pair some of the most pertinent questions that surround the contest, which seems to capture not just New Zealanders’ pecuniary priorities, but their core values too.

Obviously, with New Zealand in the middle of a housing crisis, there is significant controversy around the idea of property investment. However, that fact remains that with many people actively engaged in the practice, they need to be made aware of the facts.

Natalie Ferguson and Darcy Ungaro

Natalie, why do you think investing in the share market might be better than property?

There’s a much lower starting amount for a start. Anyone can buy shares now with as little as $100, which is quite different from the $900,000 average New Zealand house price.

It’s also much easier to buy and sell shares as there are much lower fees – through Hatch it’s just $3. Even if you buy 300 Tesla shares worth hundreds of thousands of dollars, it’s still just $3 to sell them. Compare that with the $30,000 it costs to sell a house at the same price.

And I suppose the last one for me is there is no maintenance like there is with home ownership. When you have shares, they actually manage themselves without any extra input.

Darcy, why do you think property is a better investment than shares?

I would probably say property investment is a better choice as a first step towards growing wealth. It’s a logical step for a property owner to buy another property as an investment, especially if they’re relatively young, and they’ve got a decent time frame in front of them. It’s not because property is better, but just simply because of that thing called leverage, which just amplifies market movements in a way that you just don’t seem to get with shares.

Darcy, but aren’t shares more appealing because they’re accessible, whereas high house prices mean property as an investment is out of reach for so many people?

Yes, accessibility is the number one issue with property ownership, whether it be your own home or an investment property. That’s where shares beat property every day; the barriers to entry are just so much lower.

With these new platforms, you can buy a fraction of a share. Whereas with property investment, you can’t buy a fraction of a property yet. To buy a share in Apple or Tesla, you just download the app, go through some ID checks, and off you go. But to buy a house, you have to have a job, you have to have good credit, you have to have a deposit, you have to have all these things that will automatically exclude a huge portion of society.

I see a time coming possibly in the next five years where property investors or even homeowners can fractionalise their own home and buy units of property. When it does, that will solve some of the inaccessibility problems. As soon as we can make property divisible and fractionalise it, the sooner more people will be able to access it.

Natalie, a lot of people have the perception that investing in shares requires a lot of research, such as reading product disclosure statements or paying close attention to the Dow Jones, whereas owning a house seems a lot simpler. How would you respond?

I think that’s one of the biggest myths holding New Zealanders back. When you buy a house, think about all the research you need to do into things like house prices and builder’s inspections. There’s a huge amount of work to put into it.

With shares, that stuff about watching the Dow Jones is total rubbish. I have never tracked the Dow in 15 years of investing. All you need to do when investing in shares is look around at these giant global brands like Apple, Nike, Tesla and Amazon, and ask yourself about whether or not you think those companies might still be around in 10 or 20 years, and whether or not you think they’re going to keep growing.

I don’t need to do a lot of research to see that my friends are all buying iPhones and Macbooks and won’t touch a PC. I don’t have to open Apple’s annual report to see that people are queuing outside their stores.

NEW YORK CITY, USA SEPTEMBER 25, 2019: A queue outside Apple’s 5th Avenue store (Photo by Valery Sharifulin\TASS via Getty Images)

Darcy, do you think it’s easier to research property investment compared with shares?

I think the comparative advantage lies in the fact that when we look at property, we bring more of ourselves to the table. 

With shares, we try to put on this investor’s hat, where we feel like we need to investigate the price-to-earnings ratios and all that sort of stuff. And if we don’t, we feel like we’re failing, because we’re not being an intellectual share investor.

Whereas with property, it’s like we allow ourselves to bring all of ourselves, specifically our emotions, because after all, it’s a home. Even if it’s not our own home, we’ll still look at it through two lenses, and one will be an investment mindset. We’re a little more congruent with ourselves when we’re property investors. We appreciate not just the numbers, but also just the feel of a property. And I think that’s what puts the advantage squarely with property investment as a vehicle.

Natalie, many people have the perception that the sharemarket can be quite volatile and subject to external economic circumstances that are beyond anyone’s control. Are these concerns valid?

Again I would say perception is quite different from reality. A key difference between shares and property is the transparency of information. Anytime someone walks past your house, your property price changes, because it’s how much they’re willing to pay for it at that moment. And it’s the same with shares, it’s just that we publicise the value.

Of course there was a massive drop in the market when we went into lockdown. But by the end of the year, many of those shares had recovered.

I don’t think anyone who’s buying property would say that house prices are stable. By the time you’ve looked at two open homes, $20,000 has probably been added to the average price.

Darcy, would you say that property investing is more stable than share investing?

I think property seems like the safer investment. It’s a home first and foremost, and we know instinctively that the home is the most important thing; we all need to go back somewhere and go to sleep somewhere. And we know there’s always going to be, fundamentally, the demand for that good.

With all these technology and rideshare companies and startups you can invest in, we don’t really instinctively understand them, because it’s a step beyond just thinking about the basic need of food and shelter. And I think that’s probably why when times get scary out there, we naturally go to what we feel most comfortable with. Property feels safer in a pretty scary world. 

Darcy, with house prices throughout New Zealand inflating at the same rate, isn’t the idea of property wealth for homeowners something of an illusion? After all, if you sell your house for a good return, it’s virtually impossible to use it to buy another house in the current market. So, other than owning a rental, what’s the point of that wealth if you can’t use it?

That’s why many advisors will always suggest that you exclude your own home from any sort of investment calculations. But it does have this secondary effect that it makes you feel more wealthy, which makes you more likely to spend.

Natalie, your rebuttal?

When you sell shares for a profit, you don’t have to buy another bunch of shares to live in. Generally the difference with companies and houses is it’s not all the same market. So I could sell my tech shares for quite a profit and then have the benefit of being able to move between industries. With property investment, you’re locked into one market.

Natalie, some potential investors feel that with large companies like Apple and Tesla, the best of the growth has already happened, and it’s too late to get in now. Do you agree?

No. In 2021, the earnings revenue of the 500 biggest companies in the US share market grew by 74.2% year on year, the highest growth since 2009 . So there’s absolutely no limit to how big a company can grow. Do you think that Netflix will stop innovating tomorrow? Or do you think that they’re going to continue to come up with ideas and things that continue to change the world?

Darcy, with such a chronic housing shortage, investing in and owning multiple properties is seen by many as unethical and actually quite greedy. How would you respond?

People have shied away a little bit from property investment in the past 12 months because they feel it’s causing social harm. And I think there’s some truth around the edges, but I wonder if there’s a little bit of spin that’s gone out there to make people feel bad about investing in property.

In reality, to be a truly socially responsible investor, you need to be a socially responsible person. The vast majority of property investors that I know are very socially responsible. That’s one of the reasons why they like investing in property – they like getting to know their tenants and helping them out and actually providing good quality accommodation.

It all depends on the investor. The difference with shares is that you can be an incredibly unscrupulous person, but invest in environmentally friendly options, and be deemed to be a socially responsible investor. And I think that’s a little bit disingenuous, to put it mildly.

Natalie, some of the world’s biggest corporations have been known to be incredibly unethical. How does someone ensure their money is going towards a socially and environmentally ethical investment?

Your ethics and my ethics could be very different. I might be comfortable with investing in gambling companies or in a big resort in Vegas and that might horrify you. The first step is to get an idea of what your ethics are and don’t be so hard on yourself.

And then the second thing that’s really, really easy is this concept called ESG, which is environmental, social and governance. That basically ranks each company on a score of how much they are adhering to those things, allowing you to make the investment that aligns with your values.

With Hatch, you can buy and sell shares in over 4,700 companies & exchange-traded funds, all listed on the US share markets. Invest dollar amounts to buy as much or as little of a company or ETF as you like, even if it’s a fraction of a share. Learn more about investing with their free Getting Started Course, or simply get investing here.

This content was created in paid partnership with Kiwi Wealth. Learn more about our partnerships here