Many ways to “eat your house” in retirement:
– Take in boarders or flatmates
– Sublet part of home — permanently or Airbnb (wttch tax and insurance)
– Subdivide — easier now
– Sell your house and buy smaller or in a cheaper place
– Sell your house and become a renter
– Reverse mortgages
Q&As:
– A classic too-good-to-be-true offer
– KiwiSaver government contributions to some over 65s? No — let’s make it beneficiaries
– Mortgage paydown probably better than buying shares
– Let’s get this widow mortgage-free before retirement
– Reader unhappy with te reo in last week’s column
Q&As:
– Financial mentors offer free help for everyone who is struggling
– A good reason to switch KiwiSaver fund
– Reader “aghast” at my “cherry picking” in fund comparison
– Why passive share funds won’t take over entirely
– Life insurance advice from one who knows
Animal investors — what we can learn from them
These creatures have been picking investments, and mostly doing well:
– Orlando the cat
– Adam Monk the Brazilian monkey
– Lusha the chimpanzee
– A small herd of cows
– Mr Goxx the hamster
How do they do well?
What’s happening here?
Q&As:
– Young have too little life insurance; old have too much
– Reader challenges my comments about picking low-fee KiwiSaver fund…
– … While a documentary backs me up
– What about the workers in big Aussie-owned banks?
– Deposit insurance scheme attacked and defended
Plus:
– Money questions? Try this
Q&As:
– Returns versus fees — which should you use to judge funds?
– Are banks safe? …
– … And should we favour NZ-owned banks?
– KiwiSaver can work well in retirement
– No, don’t try to time the markets!
– What to do after KiwiSaver drop
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?