How we’re doing in KiwiSaver
– FMA 2026 KiwiSaver Annual Report just released
– Average balance up 11%, but ….
– Over 65s staying in KiwiSaver
– Non-contributors should put in a bit
– More people switching funds — good and bad
– More people moving providers — good and bad
Q&As:
– Buying a rental property when close to retirement?
– 4 rules of reverse mortgages
– Are two funds more expensive than one?
– How to find an ethical low-fee fund
– Estate and tax considerations for couple
– Should partners have different KiwiSaver providers?
Can you pick the few great shares?
– Research on 100 years in US share market
– 60% of shares performed poorly
– 2 out of 1,000 shares created half the gains!
– Can you identify them?
– Diversification is boring but best
– How to diversify
Q&As:
– What couple should do with savings after cancer diagnosis
– How to hire a financial adviser…
– … and how to fire one
– Making the most of KiwiSaver in your 80s
– Don’t forget tax when weighing up home ownership
Clever mortgages — and a place to park your rainy day money
– 43% of NZers ahead on mortgage payments
– Good place for emergency money — why?
– 3 types of mortgages: offset, redrawable, revolving credit
Q&As:
– Should couple sell their home, rent and invest in shares?
– Should we move out of index funds because crash is expected — maybe?
– Will house prices boom again?
– Do older singles get favourable treatment?
Setting up a rainy day fund
– Sorted Money Month: This year — emergency money
– Good for mental health
– How to set up a fund and how much
– Sorted Buffer Builder app
– Putting money slightly out of reach
– “Give it to charity”
Q&As:
– Sell the rental and have some fun
– What to do after redundancy
– Setting up money for granddaughter’s KiwiSavers
– Is a live-apartnership just dating?
– Nobody’s coming after her money
– Slow process to get KiwiSaver money into account
Stay put when shares and KiwiSaver funds wobble
– US data on investing lump sum
– Best and worst days close together
– NZ data on investing $100/week
– Get in and stay in
– Don’t try to time markets
Q&As:
– Will she have to help pay for his residential care?
– Should KiwiSaver be scrapped?
– Should redundant man keep contributing to KiwiSaver?
– Shares and ETFs versus KiwiSaver fund