Bridging the gender retirement gap
Ideas from a conference on how to help women increase their retirement savings:
– Why the gap is there
– Suggestions on government action
– Suggestions on employer action
– Suggestions finance industry action
Q&As:
– Proposed KiwiSaver change would help, not hurt, young Mums
– Changes to KiwiSaver savings suspensions seem to be working
– Rule of 72 tells how long for an investment to double, or what return it earned
– Getting clever with bank term deposits
– What to do when facing KiwiSaver loss
Q&As:
– Diversify even with tiny share investments
– Sorry, reader, but I still don’t like share trading
Plus:
– Getting a Kiwisaver WOF
Dumping on KiwiSaver
Answering four letters from listeners on:
– Conservative fund not so conservative lately
– It’s fine to increase risk in a downturn
– Plans to use KiwiSaver money soon
– Will people in KiwiSaver end up getting less NZ Super?
Q&As:
– Which KiwiSaver fund switches are okay these days?
– Do funds charging higher fees perform better?
– A good way to cope with share market downturn
– How safe are investments in NZ-run funds?
– Should employers contribute to KiwiSaver, even when employees don’t?
Q&As:
– When house seller can say “Take it or leave it” and when they can’t
– 3 correspondents on how long it will be before the share markets rally
– Mum with cancer questions her KiwiSaver withdrawal process
– Nice try, but this is not a way to get around KiwiSaver “total remuneration”
– Nothing new about currencies trying to avoid government regulation
Cutting back your spending
Some more unusual ideas on ways to spend less:
– Wait for a week
– Stay away from shops
– Separate bank accounts
– Ideas from FIRE (Financial Independence, Retire Early)
– Wear the same clothes repeatedly
– Fish and chip dinner parties
– Many other great ideas from listeners
GETTING A KIWISAVER WOF — for people of all ages
Worried about how the Covid-19 pandemic is affecting your KiwiSaver investment, and wondering what to do about it?
Or is KiwiSaver the last thing on your mind? Maybe you were auto enrolled and have ignored it since.
Q&As:
– A spoilt grandson? Set up a contest with him!
– When KiwiSaver government contribution is smaller
– Is it OK to move to higher-risk KiwiSaver fund?
– … How about to a lower-risk fund?
– Don’t stop contributing to KiwiSaver
– One reader does well with Bitcoin
– Buffett on Bitcoin
– Reader worries about others’ Bitcoin “investments”
Q&As:
– Why lower fees for retired KiwiSaver wouldn’t work
– I decline a challenge on market timing
– One reason to use a real estate agent
– How to test if a company is a scam
– Reader “sucked in” more than he realises
Plus:
– Talk on Mistakes Investors Often Make