Q&As:
– What, exactly, are bonds? And are they safe?
– Are bonds no longer behaving as they should?
– Industry man defends gold
– Just 2 KiwiSaver providers won’t let you do this
– Last week’s correspondent “naïve” about tax on rental income
Disappointing KiwiSaver changes in 2025 Budget
– Changes to employer and employee contributions — and how to avoid them if you wish
– Government contributions halved
– No government money if you earn more than $180,000
– Good news for 16 and 17-year-olds — tell them about it!
– Assessment: Bad for self-employed and not employed, and employees pay for their own gains
Q&As:
– Gold not the answer for this reader
– “Should I or shouldn’t I reduce risk?”
– Couple’s tax idea not fair
– A reverse mortgage in a retirement village?
– Can move KiwiSaver overseas with you
Q&As:
– Higher returns but no higher risk?
– When a KiwiSaver fund falters …
– … And what about cyberattacks on funds?
– Why I was negative last week
– Don’t close KiwiSaver account
Will Government change its KiwiSaver contributions — and if so, how should it do it?
– History of government contributions
– If changed, how should they do it?
– Arguments against change
– Suggestion 1: ban employees paying their employer contributions
– Suggestion 2: give beneficiaries KiwiSaver help — and prisoners
Q&As:
– Don’t get too confident about your investment skills
– A way to compare paying down mortgage vs shares
– Home loans get easier over time
– Putting “princely sums” in context
– KiwiSaver returns over a decade
– How banks lend to retired people
– Move to new provider, at same risk, any time
Q&As:
– Home ownership v shares
– KiwiSaver funds beat inflation
– Deposit compensation list released
– Should woman borrow more than she needs?
– Where to get into on reverse mortgages and home reversion
– Boost KiwiSaver contributions any time
– Shorter questions please
The wisdom of our listeners!
Listeners’ best financial moves — entries in recent giveaway of Mary’s newly updated “Rich Enough? A Laid-back Guide for Every Kiwi”. We can all learn from them — or be amused by them.
– Marriage
– Debt
– Budgeting
– Investments
– Less conventional investments
– Saving for children
Q&As:
– How to be fair with gifts to children for home purchases
– When share investments might not do well over a decade
– Challenging a family trust distribution
– Why reverse mortgage interest rates are higher
– A mortgage fund versus term deposits
– Winners in book giveaway
Q&As:
– He quit KiwiSaver before the downturn, but what now?
– Conservative fund versus term deposits
– Finance company interest rates after Depositor Compensation starts
– Wisdom from her Scottish forebears
– An alternative to reverse mortgages….
– … and the 2 options compared
– WIN A BOOK!