Q&As: Your KiwiSaver account won’t always grow, if you’re not contributing; Inland Revenue sticks to its guns about employer obligations around KiwiSaver; 2 Q&As about trusts set up to protect inheritances from relationship property claims; Some thoughts about relationship property problems, including help with difficult conversations.
Q&As: What happens if new employer doesn’t take KiwiSaver contributions out of your pay; Property relationship idea not as good as it seems; How one reader contracted out of the Property Relationships Act.
KiwiSaver about to move into high gear. KiwiSaver — which has lurched around a few sharp bends in its short life — is about to shift up a gear. From April 1, the minimum employee and employer contributions will both rise from 2 to 3 per cent of pay.
Q&As: Relationship property — when does the clock start ticking?; One way — plus a few others — that a mother could protect her daughter’s inheritance; Trusts not so cheap to set up; Should people get access to their money when KiwiSaver changes?
Financial misbehaviour disappointing. Ironically, a survey on New Zealanders’ financial behaviour was released just days before Christmas — a time of much financial misbehaviour, when everyone’s saying, “I don’t care what it costs, I’ve just got to buy something for Uncle Fred.”
Q&As: A company that promises way too much. Steer clear!; 2 Q&As about how reverse mortgages might affect government residential care subsidies.
Q&As: Ways to keep a daughter’s partner’s hands off an inheritance if he leaves the daughter; Another provider of reverse mortgages; 2 Q&As on the pluses and minuses of reverse mortgages.
Q&As: Interest-only mortgages have major flaws; Another — good — approach to reverse mortgages; Are the banks ripping us off with reverse mortgages?; Spending certainly didn’t decrease for this new retiree; KiwiSaver contributions flexible.
Let’s not make KiwiSaver compulsory. The words “compulsory” and “KiwiSaver” seem to be appearing more and more often in the same sentence. I don’t like it — but I seem to be in the minority.
Q&As: Beneficiary can do well with KiwiSaver — with help from a Buddy; Elderly couple shocked at how fast reverse mortgage is growing; Should reverse mortgage interest rates be lower?