NZ Herald 30 April 2016
Q&As: The richest ones don’t look rich; Why index share fund fees are higher in NZ; Another way to invest in Smartshares; Why NZ investors are hit particularly hard by inflation.
Q&As: The richest ones don’t look rich; Why index share fund fees are higher in NZ; Another way to invest in Smartshares; Why NZ investors are hit particularly hard by inflation.
Different types of investments: The main ones — cash, bonds, property and shares; More about bonds; How to tell how risky a bond is; What about forestry, collectibles etc?; What is a managed fund?
Q&As: Smartshares are a good way to get into share investing…; …And they beat mortgage repayment for one reader; Who worries more, rich or poor retirees?; Retirement Commissioner seeks your thoughts.
Good borrowing: How gearing boosts returns — and losses: Good and bad borrowing; A simple example of gearing; Compare this with investing without borrowing; 2 other ways gearing is risky; Can you cope with gearing?
Q&As: Employees not limited to 3,4 or 8% KiwiSaver contributions; Should young couple get into rental property?; An investment option for Muslims; 2 ways to get into share investing; Many prices have fallen over the years.
Listeners’ questions and comments about compounding and KiwiSaver: Doubling your money; What if employer ignores KiwiSaver?; Is it hard to get a contributions holiday?; KiwiSaver for the self-employed; Etc.
Not just a gravy train. Hardly anyone these days questions whether KiwiSaver is a good deal for members. The average employee’s contributions are doubled by employer and government contributions. Savings that would otherwise total $100,000 will total $200,000 in KiwiSaver. Meanwhile, non-employees who contribute $1043 a year get $521 from the government, multiplying their savings by 1.5. For them, $100,000 becomes $150,000. That’s still pretty good. And the first home incentives add to the attraction for many. However, economists question the value of the scheme for New Zealand as a whole. Are they right?
Q&As: New index will tell more about how 65-pluses spend; Was I dismissive to a reader last week?; Is diversification the main point in a high-yield share portfolio?; Original high-yield correspondent explains his strategy; Sharebroker info useful but don’t get into frequent trading.
KiwiSaver for people nearing and in retirement: The rules; Which funds?; How much should you spend each year?; Other tips on how to use KiwiSaver in retirement.
Q&As: Live well on $15,000 a year in Thailand; Reader questions last week’s correspondent’s dividend income…; …While another reader explains it, and wonders about adviser role; Better to read the column regularly than to chance upon it in some packaging!