Q&As: Couple in 70s plan to sell house and rent. Why not?; Stay conservative if you don’t know when you’ll need the money; Member of bank KiwiSaver scheme watching his balance too closely; Future government unlikely to limit KiwiSaver withdrawals in retirement.
Listeners’ questions about mortgages. Topics covered include: Fixed or floating, and how long a term?; Should you put extra money into mortgage or KiwiSaver?; Using KiwiSaver to buy a container house; Reverse mortgages vs ordinary mortgages for retirees.
Q&As: Why do you usually make money investing in shares?; How to pick shares — use a dart!; Concerns in the wake of failed crowd-funded company; KiwiSaver tax credit in the year you turn 65.
Q&As: Woman starting again after separation could get KiwiSaver help; Reverse mortgage not a good idea for retiree with rental and cash; How to decide your KiwiSaver risk level.
Ways to curb your spending: Why we do unnecessary spending?; Estimate your spending — roughly; Attack habits; Watch out for slogans; The Christmas trap; Get support — FinCap; Tell lenders to go away — Debt Blocker.
Q&As: Paying down mortgage beats adding to KiwiSaver; Why it can be good to be in more than one KiwiSaver fund; Will this work instead of a reverse mortgage?, readers asks; Come on, KiwiSaver providers!
Q&As: Should reader reduce risk in the current climate?; Is it a good idea to split your KiwiSaver money into two funds?; Is KiwiSaver provider doing what they claim to be doing?; Hold payday lenders responsible, reader says.
What worries you about KiwiSaver: Listeners’ questions. Topics covered include: Understanding the basics; Can the government be trusted?; Are fees ripping off children in KiwiSaver?; Do parents commit their kids to KiwiSaver?; Comparing KiwiSaver and non-KiwiSaver investments.
Q&As: Don’t be too tough on payday lenders, reader says; Couple in 50s could sell their home and become renters…; …or sell it and move somewhere cheaper; Should inheritance go into KiwiSaver?
Q&As: Reverse mortgages not usually good in your 50s, but maybe for this couple; 89-year-old’s plan includes a reverse mortgage; ‘Victim’ reluctant to complain about payday lender; Sharped-eyed reader makes some points about last week’s column.