Q&As: 2 Q&As on keeping savings in KiwiSaver or term deposits during retirement; Small-town landlords face bigger rate bills; Is a reader envious of last week’s correspondent?; Alternative payment helps some recipients of foreign state pensions.
Q&As: What to do with spare proceeds from Auckland house sale; Worrying about mortgage break fee is tail wagging dog; Getting the most out of KiwiSaver and a work super scheme; NZ Super too generous for recent immigrants?
Why I’m sticking with shares for the long term — despite recent research: Provocative email from a listener; Research suggests cash deposits beat shares; Quibbles and serious concerns about the research; Best ways to invest in shares; Why I think shares will always win in the long term.
Q&As: Ethical investing can be effective — even if it’s not done perfectly; KiwiSaver tax credit continues if you’re overseas briefly; Deduction of overseas pension from NZ Super the only fair way.
Q&As: Should student earn interest while running up student loan?; Freebies for shareholders left some the worse for wear; Deduction of Canadian pension from NZ Super seems fair; Another ethical KiwiSaver fund; Show Me The Money Week about to start.
How emotional thinking can get in the way of good investing. Understanding common reactions can help you guard against bad decisions. Reactions include: Responding to how things are presented; Sticking with the status quo; Responding to how things are named; Following the crowd; Emotional attachment; Being overwhelmed with information; Fear of regret; Not considering the whole portfolio.
Q&As: Who should add a windfall to KiwiSaver, and who shouldn’t; Reader gets fun out of direct share investment; Was Rabobank included in recent stress tests?; Is there any point in reader continuing pension contributions?; Which KiwiSaver funds are ‘ethical’.
Q&As: Borrowing to invest in shares raises risk — and rewards; Buying shares directly versus using a KiwiSaver fund; Reader shouldn’t worry that KiwiSaver first home withdrawal will stop.
Ethical KiwiSaver. Also my approach to investing in shares. Ethical KiwiSaver: how funds invest, risk, returns and which providers; A listener’s critical letter and my response; Warren Buffett is special; Can amateur investors beat the market?
Q&As: Couple should try share investing, despite the ’87 crash; Current interest rates not too bad, because inflation is so low; Should family move once or twice?; A reader’s suggestions for last week’s couple not all that helpful.