Q&As: Does Labour still plan to restart KiwiSaver kickstart?; House sale price shows the power of long-term compounding; Reader surprised by my advice to sell rentals in retirement; Another retiree thoroughly enjoys being a landlord; Battle between property investors and first home buyers; Wealthy reader agrees that lack of capital gains tax is unfair.
Q&As: Employers taking their KiwiSaver contributions out of employee pay should be stopped; “Fatal flaw” in short selling not so fatal; Reader thinks IRD should have been tougher on rental capital gains…; …While another reader suggests an alternative tax; “It’s property investor activity that counts” says reader.
How to find a financial adviser who has your interests at heart: Why use an adviser?; How to make a short list of possible advisers; Questions to ask them — initially by email; Meet the candidates for the job of advising you.
Q&As: Do landlords push up prices at property auctions?; Who should pay tax on property gains — and a call for a capital gains tax; Sydney house price rise not so amazing.
Q&As: What is short selling, are index funds involved and is it risky?; Puzzling that real estate commissions haven’t fallen; Seller of unit needs to keep bright-line test in mind; Teachers’ pay huge compared to support staff.
Why timing the markets doesn’t work: People always move too late — or too early!; Research on this; When SHOULD you move your investments?; What type of investor are you?; Move gradually — even in KiwiSaver; 2 listener’s letters.
Q&As: Should couple — with a possible baby soon — sell their rental?; What about another couple with teenagers, and an offer for their rental unit?; Real estate agents advises against quick sales, among other things; Government considering change to KiwiSaver employer contributions after 65; Reader is disgusted with teacher’s letter; Don’t overlook tax when comparing debt repayment with investing.
Q&As: Teacher loses KiwiSaver employer contributions at 65, but colleagues don’t; Pay off student loan or mortgage — or invest elsewhere?; Ex-real estate agent explains why it’s not wise to list with several agents; Why haven’t agents’ commission rates fallen as house prices soar?; Move to Kawerau not feasible, says Auckland pensioner.
Why sticking with NZ investments is foolish: Diversification — NZ is a tiny portion of world markets; How to invest offshore — in KiwiSaver and elsewhere; What about foreign exchange risk?; How much of your investments should be offshore?; Is investing offshore disloyal to NZ?; What is hedging, and is it good?
Q&As: Small town a good deal for retired couple; Budgeting whizz kid loved story of woman buying a house on $30,000…; …but struggling mother didn’t; Can’t reinvest dividends? Send them to your KiwiSaver account; My recommended real estate commission structure outlined; Reader outdoes agents, selling on her own.