NZ Herald 20 December 2025
Q&As:
– How to keep inheritance out of relationship property
– 2 Q&As on living in a retirement village
– What’s wrong with so many New Zealanders?
– See you next year — and tips on getting your letter published
Q&As:
– How to keep inheritance out of relationship property
– 2 Q&As on living in a retirement village
– What’s wrong with so many New Zealanders?
– See you next year — and tips on getting your letter published
Which is better – paying down the mortgage or investing?
– Questions from listeners on this
– Also a question on whether you can make faster repayments on a fixed term mortgage
Q&As:
– How 22-year-old should handle inheritance
– Could NZ funds fail, as they did in Australia?
– Sell 80-year-old’s home, or get reverse mortgage?
– And is 75 too young for such a mortgage?
– How much caution in retirement?
Q&As:
– Couple in 70s sell home to fund retirement fun
– While couple in 50s may choose to stay renting
– How young reader may get into housing market
– Where are those tiny KiwiSaver fees?
Good news on mortgages — not just rate cuts
– Official cash rate dropped again — and floating mortgage rate.
– Fewer people behind on mortgage payments
– Many people not reducing their payments, but using extra to pay down the loan. Makes a huge difference to total interest and how long the loan runs.
Q&As:
– Good and bad debt — and when good debt goes bad
– Cryptocurrency hugely volatile, not for the short term
– Aliens’ view of gold investments
– KiwiSaver first home withdrawal when buying bare land
– Meaningful Christmas presents
Q&As:
– House-sitting their way to home ownership — and keeping debt down
– Gold v share funds v rental property
– Is burying your gold a good idea?
– Unusual Simplicity fund investments
– Correction on share fund tax
2 unhappy listeners: on home ownership v renting, and active v passive fund managers
– Email from woman with mortgage-free house challenging my statement about renting being cheaper than home ownership
– Text from man challenging what I say about active fund management
Q&As:
– Is it time to move out of growth funds?
– Bank KiwiSaver funds not in compensation scheme
– Gold v shares? What about costs?
– Preference shares not an alternative for term deposits
Q&As:
– How gold compares with shares over the short and long term
– Property fund wrong for 92-year-old
– Is this a good time to reduce KiwiSaver risk?
– Cash fund? Term deposits? A bit of both
– Reader unfair about last week’s Q&A