I won’t say “I told you so”. But I sort of did!
– Listener points out that I warned of share plunge a week before
– At least people have learnt from what’s happened
– Renewed interest in share investing
– Don’t believe market forecasters
Q&As:
– One less worry: KiwiSaver as an inheritance
– Keep an eye on what’s in your will
– Challenging Westpac over help for KiwiSaver investor
– What happens when KiwiSaver account is empty
– Which is safer, bank deposit or low-risk fund?
– Don’t panic about security of banks
– Ignore past returns when choosing KiwiSaver provider — so how should you choose?
Plus:
– Message to mothers
Q&As:
– Reader regrets panic move out of KiwiSaver — and how to follow share trends
– Many more people are buying shares
– Should self-employed use up savings before asking for government help?
– Index funds not at a disadvantage in market downturn
– How can index funds beat the market?
– Which index for an index fund?
– Any time is fine for switching KiwiSaver provider
Take advantage of mortgage rate drop
– Try to keep up old payments and reduce your term and total interest
– Or set up a rainy day fund
– A warning: Don’t expect rates to stay this low forever. How would you cope if rates rise?
Q&As:
– New share investors should skip single shares and use a fund
– Short-term share trading up — but most people don’t win
– Index funds proving themselves in down markets
– How “Preservation Fund” lost money — and is it better than bank term deposit?
– Angry reader wants gold in NZ dollars — but would it boost his case?
– Last week’s gold fan takes another look
– Gold helps with diversification
Hope for the best, but expect the worst
If you’re investing in shares, always assume a downturn might be just around the corner — as recent events have dramatically shown!
Q&As:
– How different is it this time?
– Is this a good time to subdivide?
– Was I too tough on last week’s mother?
– Is gold a good investment these days?
– How would bank deposit insurance work for term deposits?
– Bank credit ratings vary — and should you move money to Australia?
– Pay down mortgage with bank deposits — especially if nervous
Listeners’ questions about what they should and shouldn’t do with their investments at the moment
– When to move to a lower-risk fund
– A good time to add to a growth fund?
– Bank worries
– What to do with your mortgage
Q&As:
– Daughter, 21, puts her Mum right on switching KiwiSaver funds
– Son seeks research on trading versus buying and holding shares, to convince Dad
– Got your visa? Get into KiwiSaver
– Don’t wait until markets recover
– Is it wise to take a “mortgage holiday”?
– Are different bank accounts treated differently if “haircut” happens?
– Should retiree try his luck again on timing the market?
– 20-year-old should get into share market cautiously
– Moving to higher risk is a good move