Why some people are still not in KiwiSaver, or are on a contributions holiday. Part 1: Basically why you should be in; Should US election results affect KiwiSaver? Common reasons for not joining: Worries and fears; Bad experience with managed funds; Lack of trust of government; Fears about economy; Ethical reasons
Q&As: In retirement planning, first work out how long you’re likely to live; Did angry reader actually read my last column?; Another columnist and I battle it out over active v passive funds; Sometimes leasehold property works out well.
Q&As: Why I won’t publish list of top-performing share funds; What happens to KiwiSaver at 65…; …but what if you’ve been in the scheme less than 5 years?; Bad news for travelling teacher about NZ Super eligibility.
Eating your house: Ways to make use of the value of your house in retirement — Comfort for struggling younger savers?; Sell and buy smaller, but…; Various ways to share your home with others; Getting a break on rates; Reverse mortgages a.k.a. home equity release — a good idea?; FOLLOW-UP from last week to listener’s question on how to buy shares.
Q&As: Should we be getting out of property and shares?; Leasehold property not always a bad idea, but…; KiwiSaver tax credit numbers not quite right.
Q&As: Like it or not, retiree didn’t directly contribute to NZ Super he now receives; Buying leasehold property is for high risk takers only; KiwiSaver first home withdrawal rules much less than grant rules; Dividends beat bank interest, but riskier.
Listeners’ questions, comments and quibbles on the last discussion — on index funds and exchange traded funds: How to begin at share investing; Some critical views about shares, index funds and corporations; Why fewer than half active funds can beat index funds; Medians and averages — the difference, and when it matters.
Q&As: Perhaps we should celebrate a young man’s spending splurge; Don’t get rid of student loan, pay down mortgage; Dodgy share advice given to elderly couple; Think of NZ Super as insurance; Pension info there, but reader may have been distracted.
Q&As: Retiree still wants to have fun in the markets; Whose tax rate should be used on a joint bank account?; Daughter should bring back house money from the UK gradually; Which banks now require notice for term deposit early withdrawals?; Should families get money if a person dies before getting any NZ Super?
My favourite type of share investment — Index funds and exchange traded funds (ETFs): Don’t bother to try to beat the market; A good company is not necessarily a good buy; Lusha the chimp; What are index funds and ETFs, and how to get into them; The Buffett bet; 2 misunderstandings.