Q&As: Terminally ill reader should get his money out of KiwiSaver and eat, drink and be merry; Reader on invalids benefit can benefit from joining KiwiSaver — and an obliging friend could make it work better for both of them; Many employee KiwiSavers will be better off reducing their contributions to 2 per cent after April 1 — but not all; Lending within the family can get complicated when it comes to withholding tax on interest.
Q&As: The possible perils of parents lending a mortgage to adult children; Tips on mortgage reduction from a mortgage broker; How mortgage borrowers could unite to force interest rates down; 2 Q&As on what happens to KiwiSaver money in retirement.
Q&As: Some great ideas for reducing your mortgage; Non-employees are also eligible to join KiwiSaver; The KiwiSaver tax credit has nothing to do with tax; Once you’re in KiwiSaver, you can’t get out again — but should you want to?
Q&As: Several options for 20-year-old who worries that the state of the world makes KiwiSaver iffy; 5 Q&As about reader who was offered a mortgage deal that was too good to be true.
Getting in and out of share market a losing strategy. Many people with share investments — including KiwiSaver and other funds that hold shares along with other assets — are probably eying the 37 to 39 per cent drops in the New Zealand, US and Australian share markets last year and considering taking flight to lower-risk investments. Don’t.
Q&As: Advisor’s mortgage offer looks too magical to be true; Children more likely to be angry because their parents didn’t sign them up to KiwiSaver than because they did; Too much on KiwiSaver in this column?
Q&As: Government’s KiwiSaver changes include a big improvement on their pre-election plans; New taxation of KiwiSaver employer contributions is fair enough. Plus: readers’ views of my political leanings vary widely.
Q&As: Couple can afford to retire youngish, especially if they are willing to eat into their savings; Cash PIE not always a good substitute for a term deposit — but there’s another way to achieve reader’s goal using PIE tax advantages.