Diamond Property and Wealth Ltd

29/05/2026

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

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.

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

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.

23/04/2026

Whether you have an adviser or not here is one thing you must do (spoiler: it takes 2 hours a year and can make you millions of dollars)

Did I get your attention with that headline?

Good. Read on.

You.Must.Review.Your.Finances. At least once a year.

I personally have my money date a few times a month but 95% of people never review their finances properly.

Before I dive into the detail here is the first reason for it:

You can’t improve what you can’t measure.

Most people’s financial decisions and actions are haphazard and random. They often lack strong logic, are based on emotion, media noise or the new shiny object syndrome.

Such approach is not going to work and lead to prosperity.

So annual review gives you a snapshot of where are at today and what progress you have made. For most this will be quite a confrontational exercise.

You might find that out of $40k you have paid to the bank, only $10k went toward principal. Don’t really want to stay on such trajectory?

You might find that your KiwiSaver has had a return of 5% while the markets have done over 10% in the last 12 months.

Perhaps your savings are still sitting at the same level although you vouched to grow it.

You might see how your income hasn’t been growing for the last 7 years while running your business.

It’s not all bad of course. You might find the wins you have had that you haven’t even celebrated, you just took them for granted.

When you carry out your annual review be very honest with yourself. Make sure you don’t rush in with excuses. I always tell my clients to listen to what their body or intuition is telling them. Although it might sometimes sound illogical at times deep inside you will know whether you are on a tight track or whether it’s time to switch gears.

Annual review will outline very clearly where the gaps are and what you must tackle first. What’s really awesome is some of the steps that you would have to take can take 30 min yet add hundreds to your net worth. It’s not hard at all.

I’ve never had an annual review that was worthless. There is always stuff to tweak and improve.

As an example, I’ve had a review with my clients on Monday this week. Last year, I helped them to improve their investment portfolio by at least 3-5% per annum (they were getting 7%p.a. previously). And this year we have found more opportunities to crank up by another 2-6%. Why would you want to leave that on a table?

And of course, this is the whole point of having a proactive adviser in your corner. Someone who can bring you the deal to your attention and doesn’t accept average/normal as great results.

P.S. I know that you know that none of it is hard. You are intelligent enough to figure it out. Chances are you won’t do it because you are busy and even then it will probably be a guessing game as to what to prioritise next. If you want a systematic approach that is hugely effective and have someone to guide you through every single step then find an adviser. Wealthy people have them and no we are not even expensive. I literally work with 22 year old young people.

10/04/2026

While you’re waiting for certainty in the world, the numbers are still moving without you.

Time in the market quietly outperforms timing the market.

“I’ll start when things settle” already has a cost - not just financially, but in opportunity, compounding and options.

The people who build wealth aren’t the ones with perfect timing. They start before they feel fully ready.

If you’re ready to stop guessing and start building, book a consultation via the link in bio.

08/04/2026

What actually drives our clients’ financial results (after 10 years of tracking it)?

Spoiler: it’s not magic, hope, meditation or a high income.

As a reference point, here are the numbers we’ve tracked over the last 10 years:
• 80% of our free 30-min calls lead to consultations
• 80% of those consultations lead to financial plans or coaching
• 95% of our strategies get fully implemented
Which is why you see results like:
– “We don’t know if we can afford it” → buying an investment property within 7 weeks. Clients in their late 50s adding $500k to their net worth within 5 years.
26-year-old professionals reaching $100k invested within 12 months

So what’s actually driving this?

1. Clients see value across all stages right from the first interaction. This makes it easier to take the next step because they understand what they are getting, rather than hesitating or second-guessing

2. They go through the stages of the process properly. You can’t time travel from the comfort of your couch into having $500k more in your investments. You need to have the call, do the consultation, and then execute the plan — just like you can’t go from high school to being a barrister without going through university

3. Strategies are designed around what clients have right now. We don’t rely on people working 60+ hours, earning more money, or skipping little pleasures in life. Everything is based on what is already affordable and achievable

4. We understand human psychology and objections. If you already knew how to manage your fears, doubts, and concerns, you wouldn’t be reading this. Our role is to remove those barriers — whether that’s lack of knowledge, confidence or structure — and manage the risks properly

5. We don’t leave clients to figure things out on their own. We stay involved and support them through implementation until the result is achieved — not just until a plan is created

6. Strategies are simple, structured and predictable
Your finances can start to feel like clockwork within a few months, so you can stop stressing about money and focus on other areas of your life

This is why our clients don’t just have a plan.
They implement it — and that’s what creates results.

If you are ready to take your finances seriously and work with a structured approach, comment “I am ready” and I will send you more information to get started.

Call now to connect with business.

25/03/2026

The habit that can change your family’s future…

Another snippet from our podcast with

Comment “MONEY” for the full episode 🎧

23/03/2026

We love seeing our clients achieve their investment goals! 🤩 Here’s what one of our clients had to say about working with Maria and the team:

“Maria and team at Diamond Property were personally recommended to me by a friend and I’m very pleased that they were. I was looking for advice on how best to invest and after meeting with Maria a couple of times she came up with a plan with various options. I ended up buying an investment property which I am very happy with. I felt very well supported through the whole purchase process. It is good to have an expert like Maria on your side as she knows the industry so well and always wants the best for her clients.”

Hearing stories like this reminds us why we do what we do every day. 🙏🙏

Join the many clients who trust Maria and the team to guide their investments. Contact us to get started!