Laddering — a clever way with term deposits and perhaps your mortgage
– What is laddering?
– Who might be affected?
– Why do it? — gives longer-term returns on deposits (which are usually higher); frequent access to some of your money; some protection from bad luck with timing.
– How it might work with a mortgage
Q&As:
– Reluctant shopper passes on helpful tips
– Differences between ETFs and unlisted index funds — not huge
– A comment on capital gains tax
– A reader’ story: key messages over the years
Q&As:
– Rental property not always the winner over managed funds
– The risk of borrowing to invest
Readers’ stories about how the column has helped them
– 9 lessons learnt
– Move to growth fund made big difference
– We don’t like shopping!
– “Spend more” message is not for everyone
Setting up emergency money
– Many NZers don’t have access to emergency money
– A good tradeoff — increase hardship but gain mental health
– Imagine your pay has been cut
– Where to put emergency money
– Make use of mortgage situation
Q&As:
– A reader’s disappointing run with managed funds
– When it can be bad news to own shares in company you work for …
– … or to buy the building that houses your business
– Confusing numbers on KiwiSaver fund performance
– A reader’s story: gaining confidence to buy shares
25th anniversary of this column!
– Reflections on what we’ve looked at over the years
– Readers’ stories about how the column has helped them
How to complain about any financial service in NZ:
– What firms are covered
– The financial disputes system in NZ
– Free to you, and you don’t have to accept decision
– How they are funded
– What they do — and don’t do
– Your first steps to getting help
Q&As:
– Pros and cons of employee share ownership schemes
– Mortgage interest lower than 80s, but …
– Ask your bank for higher interest on term deposits
– Laddering term deposits when drip feeding in
– A reader, columnist and subeditor all got it wrong!
– Over the years — a request for letters
Q&As:
– KiwiSaver “sidecar” emergency account would work well
– Even Buffett likes index funds
– Longer-term deposits usually pay more, despite current rates
– One reader wants all short-term deposits…
– … While another wants all long-term ones
– Correction
What we can learn from the Film Fraud Festival
– Insights from the films and panellist talks
– Warning signs to watch for
– How to check if a company is legit