RaboTalk – Growing our future

Rabobank NZ

RaboTalk’s Growing our future is all about equipping New Zealand’s farmers and growers with the knowledge to support resilient farming systems for the future. Using insights gathered from Aotearoa and across the world, Rabobank’s team of experts and connections offer up informed opinions and healthy discussion on the future of farming, and how to adapt farm strategies and systems to ensure our farms thrive in a fast-changing world. Disclaimer: This podcast has been prepared by Rabobank New Zealand Limited and Coöperatieve Rabobank U.A. (New Zealand Branch) (Incorporated in the Netherlands) (collectively referred to as ‘Rabobank New Zealand’). The information and opinions contained in this publication have been compiled or arrived at from sources believed to be reliable, but no representation or warranty, express or implied, is made as to their accuracy, completeness or correctness. This publication is for information purposes only and is not, and should not be construed as, an offer or a commitment by Rabobank New Zealand to enter into a transaction. This information is not professional advice and has not been prepared to be used as the basis for, and should not be used as the basis for, any financial or strategic decisions. This information is general in nature only and does not take into account an individual’s personal circumstances. All opinions expressed in this publication are subject to change without notice. Rabobank New Zealand does not accept any liability whatsoever for any direct, indirect, consequential or other loss or damage howsoever arising from any use of this publication or its contents or otherwise arising in connection therewith. This publication must not be reproduced or distributed without the prior written consent of Rabobank New Zealand. © 2026 Rabobank New Zealand Limited and Coöperatieve Rabobank U.A. (New Zealand Branch) (Incorporated in the Netherlands). All Rights Reserved.

  1. 3 FEB

    How live data is shaping efficiencies in beef systems with Marcus Peacock

    Discover how virtual fencing is transforming livestock farming in New Zealand. In this episode of Growing Our Future, Katie Rodwell speaks with Hawkes Bay farmer Marcus Peacock who shares his hands-on experience with Halter’s technology for beef systems. From calmer, better-performing stock to smarter pasture management and real-time decision-making, Marcus explains how digital tools have freed him from routine constraints, boosted productivity, and restored enjoyment to farming. Packed with practical insights on training, data use, and ROI, this conversation is a must-listen for farmers looking for technology solutions to unlock efficiency. Like what you’ve heard? Follow our podcast for more great content. Show notes Description: In this episode of Growing Our Future, host Katie chats with Hawkes Bay farmer Marcus Peacock, about his experience adopting Halter’s virtual fencing technology for beef systems. Marcus shares how the shift has transformed his day-to-day operation, improved animal performance, sharpened pasture management, and restored a sense of enjoyment and efficiency to farming. From training animals to interpreting live data, Marcus offers an honest and practical look at how digital tools can reshape traditional livestock farming. Click here to read the full show notes for this episode. Show Notes:In this episode of Growing Our Future, host Katie chats with Hawkes Bay farmer Marcus Peacock, about his experience adopting Halter’s virtual fencing technology for beef systems. Marcus shares how the shift has transformed his day-to-day operation, improved animal performance, sharpened pasture management, and restored a sense of enjoyment and efficiency to farming. From training animals to interpreting live data, Marcus offers an honest and practical look at how digital tools can reshape traditional livestock farming. Training and Adapting to Virtual Fencing Marcus explains that the collars themselves are straightforward, and the cattle adapt remarkably quickly. While the human learning curve is often bigger than the animals’, he describes training mobs in just a few days, including young stock. Even dairy-beef crosses and bulls prove easy to manage once temperament settles under consistent feeding and routine. For Marcus, virtual fencing removes many of the frustrations associated with break-feeding, fencing failures, and time-consuming stock shifts. Changing Temperament and Stock Behaviour One of the most striking differences Marcus sees is the behavioural shift. Well-fed animals, moved twice daily and kept in consistent groups, develop calmer temperaments and more uniform performance. He compares it to a dormitory where everyone becomes part of the same team. The system helps reduce stress events, maintain consistency and, in his view, even makes intensive systems workable for classes like bulls. Restoring Time, Reducing Stress, and Improving Decision-Making Virtual fencing has fundamentally changed Marcus’ daily rhythm. Instead of driving around checking breaks or repairing wires, stock movements now take minutes. Decisions can be made in real time using accurate pasture and animal data rather than assumptions. With fewer firefighting tasks and more confidence in what’s happening remotely, Marcus has found more enjoyment in farming than at any point in his career. He describes it as taking the subconscious weight of constant management off his shoulders. Pasture Insight Through Live Data The technology’s ability to measure growth rates, track grazing pressure, and analyse pasture quality has been a major advantage. Satellite-based pasture readings allow Marcus to understand growth trends, react to weather changes, and fine-tune rotations. By pairing these insights with rumination and grazing...

    34 min

  2. 20 JAN

    Farming Without Fences: How Halter is helping farmers work smarter with Craig Piggott

    In this episode of Growing Our Future, Katie Rodwell speaks with Craig Piggott, founder and CEO of Halter. Craig’s story from a Waikato dairy farm to founder of Halter is one of curiosity and bold thinking. Growing up immersed in the practical challenges of farming gave Craig an intuitive sense of where technology could make a real difference, and when combined with his engineering experience at Rocket Lab, sparked his mission to bring cutting-edge innovation to agriculture. Craig shares how Halter’s virtual fencing technology is transforming grazing management, improving labour efficiency, and helping farmers work smarter, not harder. Like what you’ve heard? Follow our podcast for more great content. Show Notes: In this episode of Growing Our Future, Katie speaks with Craig Piggott, founder and CEO of Halter, about the journey of building a world-leading agri-tech company from the ground up. Craig shares how Halter’s virtual fencing technology is reshaping farm management, what he’s learned from scaling hardware and software in tandem, and why curiosity and resilience matter more than ever for agriculture’s future. The conversation offers practical insights for farmers, entrepreneurs, and anyone curious about how innovation takes root in the food and fibre sector. From Farm Kid to Agri-Tech Founder Craig reflects on how his upbringing on a Waikato dairy farm shaped his problem-solving mindset. He explains how early exposure to machinery, animal behaviour, and day-to-day farm challenges gave him an intuitive understanding of where technology could make a difference. His engineering background and time at Rocket Lab reinforced a belief that agriculture deserved the same level of technical ambition as other high-tech industries. Building Technology That Truly Works on Farm Craig outlines the challenges of creating both hardware and software that must perform reliably in tough farm environments. Developing the Halter collar required years of experimentation, farmer feedback, and iteration. He explains the tension between moving fast as a start-up and the need for robustness, animal safety, and trust. Craig also shares why having engineers, designers, and farmers working side-by-side has been critical to building a product that genuinely fits into the real rhythms of farming. Rethinking Farm Efficiency Through Virtual Fencing Craig and Katie discuss how virtual fencing is reshaping grazing management and labour efficiency. Craig explains how farmers are using Halter to create more precise feed allocation, shift mobs without extra labour, and respond to conditions in real time. He shares examples of farms improving pasture utilisation, reducing stress for staff, and freeing up time for more strategic tasks. The technology, he notes, isn’t about replacing people but helping them work smarter. Culture, Curiosity, and the Realities of Scaling Craig talks openly about the challenges of rapid growth, including hiring at pace, building systems, and maintaining strong culture. He emphasises curiosity as a core value at Halter and a key ingredient for innovation in agriculture more broadly. Craig also reflects on what it means to lead when everything is changing quickly, how he approaches uncertainty, and why surrounding yourself with honest, capable people matters. Looking Ahead: Future Opportunities for Agri-Tech Craig shares his optimism for the future of agri-tech in New Zealand. He sees opportunities for more automation, better data-driven decision-making, and tools that improve both productivity and wellbeing. He encourages farmers to stay open to new ideas and to see technology as a partner in navigating the challenges ahead. Key Takeaway Innovation...

    29 min

  3. 6 JAN

    Supercharging New Zealand farming with agri-tech with Brendan O’Connell

    From satellite imagery and soil sensors to AI-driven insights and virtual fencing, agri-tech is reshaping how farmers manage productivity, sustainability and resilience. In this episode, host Katie Rodwell speaks with Brendan O’Connell, CEO of AgriTech New Zealand, about what agri-tech really means, how it is being adopted across farming systems, and the opportunities for New Zealand to become a global leader in agricultural innovation. Like what you’ve heard? Follow our podcast for more great content. Show Notes: What is AgriTech? Agri-tech is more than just physical machinery on-farm. Brendan explains that it covers physical, digital, and biological solutions that support land-based farming, from livestock and horticulture to viticulture and arable systems. This includes everything from electric fencing and animal ID tools to robotics, pasture measurement apps, and business management software. Tangible Benefits on Farm Agri-tech empowers farmers with new levels of insight and control. Tools like Halter and pasture measurement technology can lift productivity, reduce labour demands, and improve decision-making. Beyond efficiency gains, these innovations free up time for farmers to focus on strategy, family, and quality of life. Agri-tech also enables farmers to see variability in land or stock performance that might otherwise remain hidden. Barriers to Adoption Despite the opportunities, adoption is not without challenges. Brendan identifies affordability, integration, and fit-for-purpose design as the key barriers. Farmers often face frustration when technologies don’t communicate with one another, though integration is improving rapidly. Large players like Fonterra are now pushing for better interoperability to reduce compliance burdens and unlock more value from data sharing. Data as a Source of Value Data is becoming the new “fuel” of agriculture - essential for proving sustainability claims, capturing value in global markets, and supporting premium contracts. Brendan emphasises that while agri-tech creates value across the supply chain, farmers must also see tangible benefits at the farm gate through improved profitability, contracts, and potential new ways of sharing value. New Zealand’s AgriTech Advantage New Zealand is well positioned to lead in this space. Farmers are naturally innovative and pragmatic, and the sector has already produced global successes like Gallagher and Halter. Brendan believes agri-tech could one day contribute more to the economy than the dairy sector, with opportunities for New Zealand to create world-leading solutions in horticulture, aquaculture, and beyond. Key takeaway Agri-tech is not about replacing farmers’ knowledge but supercharging it with tools, data, and insights. With growing global demand for sustainable food systems, New Zealand has both the capability and appetite to make agri-tech a cornerstone of its agricultural future.

    30 min

  4. 18/12/2025

    Wrapping up 2025 with Blake Holgate and Katie Rodwell

    This end-of-year RaboTalk Growing our Future episode features Blake Holgate and Katie Rodwell reflecting on a year that has challenged our food and fibre sector to adapt. They share insights from conversations they’ve held with farmers and industry leaders and discuss key themes which have ranged from farmer resilience, the value of open dialogue, the power of working with family and how sustainability conversations have matured. This episode wraps up the year with optimism for the future as they discuss opportunities ahead, especially with on farm efficiencies and agri tech. Like what you’ve heard? Follow our podcast for more great content. Show Notes: In this special end-of-year episode, Blake and Katie look back on a busy 2024 for food and fibre, discuss the key themes that emerged from conversations with farmers and industry leaders, and share what they’re looking forward to in 2025. From farmer resilience and market shifts to the role of teamwork in good business, this episode wraps up the year with honest reflections and optimism for the future. A Year of Rapid Change in Food and Fibre Blake and Katie open by acknowledging how turbulent the past year has been across the rural sector. Policy shifts, fluctuating markets and a challenging operating environment have shaped decision-making on farm and prompted farmers to rethink aspects of their business. Despite that volatility, both hosts heard strong examples of farmers adapting, up-skilling and staying focused on what they can control. Leadership and Learning Through Conversation One of the standout themes for Blake this year has been the value of conversation. Through interviewing a range of guests, he’s noticed that many of the most effective operators share a commitment to listening, asking questions and continually learning. Katie agrees, reflecting on how different perspectives from across the value chain have broadened her thinking and highlighted the importance of open dialogue during change. The Power of Diverse Voices Katie’s highlight has been the number of younger and emerging leaders stepping forward. Whether through Future Farmers NZ, Nuffield scholars or on-farm innovators, she’s encouraged by the energy and purpose coming from the next generation. Both hosts note that having a mix of ages, backgrounds and roles at the table leads to better decisions and a more resilient sector. Taking a Team Approach Another recurring insight is the strength that comes from teamwork. Guests repeatedly emphasised the importance of bringing partners, staff, advisers and family along for the journey. Blake notes that the most successful farm businesses are not solo efforts; they’re built on clear communication, shared goals and backing each other through the tough periods. Opportunities on the Horizon Looking ahead, Blake is optimistic about the opportunities in front of New Zealand farmers. Market signals continue to evolve, and while pressure remains, he believes the sector is well-positioned to capture value through efficiency, quality and strong relationships with consumers and processors. Katie adds that she’s excited to keep telling stories of innovation and progress, especially as agri-tech solutions become more accessible and farmers look for tools that support better decision-making. Appreciating the Rural Community Both hosts close by acknowledging the privilege of sitting down with so many farmers and sector leaders throughout the year. The generosity, honesty and passion of the rural community continue to inspire them. They express their thanks to listeners for tuning in, sharing feedback and helping shape the direction of the podcast. Key Takeaway Despite a challenging year, there is...

    24 min

  5. 09/12/2025

    How New Zealand’s arable sector is adapting with Scott Champion

    In this episode of Growing Our Future, Katie Rodwell catches up with Scott Champion CEO of the Foundation for Arable Research (FAR) to chat about New Zealand’s arable sector. Scott explains that having a wide range of crops is what helps the sector stay strong and flexible, and that arable farmers play a crucial role in the bigger food and fibre picture. Their ability to adapt, try new things, and work alongside livestock farming really sets New Zealand’s approach apart from the rest. In this episode, Scott introduces the new “New Zealand Grown Grains Mark,” designed to boost local grain awareness and support growers. By connecting people across the sector, turning research into practical solutions, and supporting local grain, FAR is making sure arable farming stays at the heart of a strong and sustainable food system. Like what you’ve heard? Follow our podcast for more great content. Show Notes: Building Connections Across Sectors Scott highlights the importance of collaboration and information-sharing in supporting on-farm change. Many farmers are looking to diversify or explore new opportunities but lack the networks to connect into other sectors like horticulture. FAR is helping bridge these gaps by building knowledge pathways and creating access to trusted people and data, ensuring farmers can make informed decisions about future systems. Adapting to Climate Volatility With increasing climate variability and severe weather events, FAR is helping growers adapt through practical, research-backed strategies. Scott discusses how the organisation draws from its extensive research back catalogue to provide relevant, timely insights - whether it’s managing water use during droughts or establishing crops after wet winters. By linking local data with regional recovery efforts, FAR supports growers to get back on their feet and build resilience for the future. Balancing Environmental Expectations and Profitability Environmental and market expectations are growing - from residue limits and chemical exclusions to broader social licence concerns. FAR plays a key role in helping farmers navigate these pressures through science and collaboration. Projects like A Lighter Touch, co-funded by MPI, explore lower-impact cropping systems that maintain profitability while reducing environmental footprints. Introducing the New Zealand Grown Grains Mark Scott also introduces the newly launched New Zealand Grown Grains Mark, a brand helping consumers identify products made with locally grown grains. With only 40% of the country’s milling wheat produced domestically, the mark aims to raise awareness, support local growers, and give consumers confidence in buying New Zealand grain. Early industry response has been positive, with the first products already carrying the mark. Looking Ahead with Optimism Despite current challenges, Scott remains optimistic about the arable sector’s future. Its diverse systems, technical capability, and integration with livestock create a strong foundation for growth. He sees New Zealand’s farmers as adaptable, skilled, and well-positioned to seize new opportunities as they emerge. Key Takeaway New Zealand’s arable sector is built on diversity, collaboration, and innovation. By strengthening sector connections, applying research to real-world challenges, and championing local grain production, FAR is helping ensure that arable farming remains a cornerstone of a resilient and sustainable food

    33 min

  6. 25/11/2025

    Capitalising on opportunities for NZ horticulture with Kate Scott

    New Zealand’s horticulture sector continues to grow in value and ambition, contributing billions to the economy and employing tens of thousands nationwide. In this episode of Growing Our Future, Blake Holgate sits down with Kate Scott, Chief Executive of Horticulture New Zealand, to explore the sector’s progress, resilience after recent weather events, and the strategic challenges ahead. From the Aotearoa Horticulture Action Plan to labour shortages and diversification opportunities, this conversation looks at what’s shaping the future of horticulture. Like what you’ve heard? Follow our podcast for more great content. Show Notes New Zealand’s horticulture sector continues to grow in value and ambition, contributing billions to the economy and employing tens of thousands nationwide. In this episode of Growing Our Future, host Blake Holgate speaks with Kate Scott, Chief Executive of Horticulture New Zealand, about the sector’s progress, challenges, and the opportunities shaping its next chapter. A Strong Yet Complex Sector The horticulture industry remains one of New Zealand’s most resilient performers, with export growth driven by success stories like kiwifruit and wine. But Kate notes a mixed picture, with some crops still recovering from recent weather events and profitability pressures. Despite this, she says the sector remains optimistic - grounded in innovation, adaptability, and a shared commitment to sustainable growth. Resilience and Recovery Following Cyclone Gabrielle and flooding in Nelson Tasman, growers have shown remarkable resilience. Kate highlights the industry’s ability to collaborate, share lessons, and rebuild stronger, noting that this collective approach will be crucial as extreme weather events become more common. Strategic Challenges Ahead Kate points to rising input costs, access to energy, and infrastructure as key hurdles — especially for indoor growers reliant on gas. She emphasises the need for long-term planning to ensure affordable, sustainable energy options and smarter regulatory settings that balance environmental and economic goals. The Aotearoa Horticulture Action Plan A major focus for Horticulture New Zealand is the Aotearoa Horticulture Action Plan, which aims to double the sector’s farm gate value by 2035. Built around five pillars; sustainability, value, people, Māori participation, and science - the plan provides a roadmap for collaboration across growers, industry groups, Māori agribusiness, and government. Labour, Technology, and Succession Labour remains a critical issue for growers, with shortages continuing across both seasonal and permanent roles. While automation is helping in pack-houses, Kate says more innovation is needed in the field. She also highlights the importance of creating clearer succession and ownership pathways to attract the next generation into horticulture. Diversification for the Future Kate sees diversification as a key strategy for resilience, both within horticulture and across the wider food and fibre sector. Integrating horticulture with livestock or mixed-farming systems can unlock efficiencies, strengthen land use, and provide new income streams. These diverse models, she says, will help shape a more resilient and sustainable future for New Zealand growers. Key Takeaway New Zealand horticulture stands at a pivotal point; optimistic but evolving. Collaboration, innovation, and forward planning will be essential to help growers remain profitable, sustainable, and well-positioned for the opportunities ahead.

    30 min

  7. 11/11/2025

    The power of a story: Reframing Agriculture with Claire Taylor

    Clear and compelling communication has never been more important in agriculture. In this episode, host Katie Rodwell talks with Claire Taylor, agricultural communicator, journalist, and Nuffield farming scholar, to discuss how storytelling can help bridge the growing disconnect between farmers, consumers, and policymakers. They discuss ways farmers can share their stories with confidence, why understanding audiences matters, and what New Zealand can learn from international examples of agri-communication done well. Tune in to learn how New Zealand farmers can strengthen trust, understanding and pride in the sector by sharing authentic, values-driven stories to ensure the industry’s future is not only productive, but also well-understood and respected. Like what you’ve heard? Follow our podcast for more great content. Show Notes: Clear and compelling communication has never been more important in agriculture. In this episode, host Katie Rodwell sits down with Claire Taylor, agricultural communicator, journalist, and Nuffield farming scholar, to discuss how storytelling can help bridge the growing disconnect between farmers, consumers, and policymakers. Together they explore how farmers can share their stories with confidence, why understanding audiences matters, and what New Zealand can learn from international examples of agri-communication done well. The Power of Connection Through Communication Claire explains that communication isn’t just about conveying facts — it’s about connection. She believes that the future of farming depends on the sector’s ability to build understanding and trust beyond the farm gate. Farmers, she says, already have powerful stories to tell about stewardship, care for animals, and innovation; they just need to find the language and channels that resonate with their audiences. From Journalist to Advocate: Claire’s Journey in Agri-Communication Drawing on her background as a journalist and communicator, Claire shares how her passion for agriculture has shaped her career - from writing about farming issues to helping the sector find its collective voice. Her Nuffield scholarship took her around the world, where she studied how other countries connect their rural and urban communities through storytelling and public engagement. What New Zealand Can Learn From Global Voices Through her travels, Claire found that farmers overseas often face similar challenges - balancing productivity with perception. But she also discovered inspiring examples where strong communication strategies have built pride and public support for agriculture. She highlights how coordinated, authentic messaging can make a real difference in how food producers are valued and understood. Practical Tips for Farmers to Share Their Story Claire encourages farmers to start small - whether that’s a social media post, a farm open day, or simply talking with local school groups. She notes that the most impactful stories are those grounded in honesty and everyday experience. By focusing on shared values like care for animals, the environment, and community, farmers can help build a more informed and supportive public conversation about food and farming. Key Takeaway Communication is a powerful tool for shaping agriculture’s future. As Claire puts it, “If we don’t tell our own story, someone else will tell it for us.” By sharing authentic, values-driven stories, New Zealand farmers can strengthen trust, understanding, and pride in the sector - ensuring the industry’s future is not only productive, but also well-understood and respected.

    35 min

  8. 28/10/2025

    Securing the Future of the Family Farm with Philip Pryor

    Family businesses are at the heart of New Zealand farming, but combining blood ties with business decisions can create unique challenges. In this episode of Growing Our Future, host Blake Holgate speaks with Philip Pryor, a business advisor, author and former psychologist who specialises in family business dynamics. Philip shares how rural families can navigate succession, manage conflict, and strengthen relationships across generations. He provides insights from his decades of experience working with farming families, offering practical tools to ensure both the farm and the family thrive for generations to come. Philip believes it takes courage, honesty, and early action to keep both the family and the business strong. As Philip puts it, “Act early, face the issues, and have faith in your family. When you do, both the people and the farm will thrive.” Philip reference’s his latest new book: Risking it all – the essential guide to navigating the challenges all family businesses face. Like what you’ve heard? Follow our podcast for more great content. Show Notes: Family businesses are at the heart of New Zealand farming, but combining blood ties with business decisions can create unique challenges. In this episode of Growing Our Future, host Blake Holgate speaks with Philip Pryor, a specialist in family business dynamics, about how rural families can navigate succession, manage conflict, and strengthen relationships across generations. Philip shares insights from his decades of experience working with farming families, offering practical tools to ensure both the farm and the family thrive for generations to come. Start Early and Act with Intention Philip emphasises that successful succession isn’t a single event, it’s a process that should begin long before a handover takes place. Families that start conversations early are better equipped to handle challenges around ownership, leadership, and lifestyle. Even informal discussions or simple notes can help clarify expectations and prevent misunderstandings down the track. “Write it down, even if it’s in the back of a notebook,” he advises. Understanding the Fear Factor Fear often underlies tension in family businesses, fear of losing control for one generation, or fear of being left out for the next. Philip encourages families to gently acknowledge these feelings, rather than bury them. In his experience, conversations that seem daunting often go far more smoothly than expected once they begin. If discussions stall, bringing in a neutral facilitator or mediator can help families move forward constructively. The Strengths of Family Farming Businesses Despite the challenges, Philip is quick to point out that the family business model remains one of New Zealand agriculture’s greatest strengths. Shared values, deep trust, and a willingness to work hard together create resilience that’s hard to match. “When there’s a crisis, family are the first to pull together,” he says. Long-term thinking, stewardship, and a sense of legacy underpin why most New Zealand farms remain family owned and operated. Balancing Fairness and Feelings Fairness is a recurring theme in farming families, particularly when dividing assets or managing expectations among siblings. Philip notes that perceived unfairness, not just financial imbalance, is often what leads to conflict. Transparent communication and recognising everyone’s emotional connection to the land are key. As one of his client stories shows, understanding and inclusion can matter more than equal financial outcomes. Being the Best Generation Philip challenges both generations to “be their best generation.” For the current owners, that means planning their next chapter...

    34 min
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Ratings & Reviews

5
out of 5
3 Ratings

About

RaboTalk’s Growing our future is all about equipping New Zealand’s farmers and growers with the knowledge to support resilient farming systems for the future. Using insights gathered from Aotearoa and across the world, Rabobank’s team of experts and connections offer up informed opinions and healthy discussion on the future of farming, and how to adapt farm strategies and systems to ensure our farms thrive in a fast-changing world. Disclaimer: This podcast has been prepared by Rabobank New Zealand Limited and Coöperatieve Rabobank U.A. (New Zealand Branch) (Incorporated in the Netherlands) (collectively referred to as ‘Rabobank New Zealand’). The information and opinions contained in this publication have been compiled or arrived at from sources believed to be reliable, but no representation or warranty, express or implied, is made as to their accuracy, completeness or correctness. This publication is for information purposes only and is not, and should not be construed as, an offer or a commitment by Rabobank New Zealand to enter into a transaction. This information is not professional advice and has not been prepared to be used as the basis for, and should not be used as the basis for, any financial or strategic decisions. This information is general in nature only and does not take into account an individual’s personal circumstances. All opinions expressed in this publication are subject to change without notice. Rabobank New Zealand does not accept any liability whatsoever for any direct, indirect, consequential or other loss or damage howsoever arising from any use of this publication or its contents or otherwise arising in connection therewith. This publication must not be reproduced or distributed without the prior written consent of Rabobank New Zealand. © 2026 Rabobank New Zealand Limited and Coöperatieve Rabobank U.A. (New Zealand Branch) (Incorporated in the Netherlands). All Rights Reserved.

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