NZ Herald 23 April 2005
Q&As: Is it better to repay your mortgage or invest in a work super scheme?; Website with interest rate info.
Q&As: Is it better to repay your mortgage or invest in a work super scheme?; Website with interest rate info.
The inherent differences between property and share investments. There’s a fundamental difference between investing in shares and property, a reader says in an email. “With a stock there is always the risk of bankruptcy of the entity you invest in, and the investment you make becoming worthless,” he writes.
Q&As: Woman can get her dream property — if she makes some sacrifices; What does finance company gearing mean?; Who hears a will being read?
Moving the goalposts: Working part-time in retirement makes a huge difference to how much you need to save. Also in this issue: From the Mailbox — Is home ownership so great?
Q&As: Where should a 13-year-old put his regular savings?; Extra repayments on a fixed mortgage.
Gearing can boost returns, but also risk. Gearing — which happens when you borrow to invest — comes at a price. And I’m not only talking about interest. While gearing makes a good investment better, it also makes a bad investment worse. People who gear boost their risk.
Q&As: Different banks’ policies on early repayment of fixed mortgages; The man in last week’s Q&A could stick with properties.
Q&As: Man in mid 50s can afford to drop out — but what about emotionally?; Is reader silly to stick with renting?
Rentals not necessarily as good as they seem. Rental property is sometimes an excellent investment. There, I’ve said it, for all those who reckon I’m anti-rentals! Often, though, rentals are not quite as good as people think — and not just because the tax breaks are over-rated, as I said in my last column.
Q&As: Tips for a 12-year-old on how to save; A revolving credit mortgage might be just the thing; One way to spot a leaky home.