Q&As: Does the share price slump disprove standard investment advice? And should advisers make economic forecasts?; KiwiSaver member is doing superbly despite the slump — as are all other members; A reader objects to the idea that KiwiSaver is a gift from the government.
3 Q&As about recent negative Herald articles about KiwiSaver returns in the early months — and why they are misleading. We also discuss how KiwiSaver membership forecasts are made — with an apology to Michael Cullen and Peter Dunne — and how repaying a mortgage fast is a type of saving.
Perspectives article on poor KiwiSaver performance. Earlier Herald article criticising KiwiSaver is misleading for two reasons.
Concern over remarks on old-age support largely unwarranted. People should not be put off joining KiwiSaver because entitlement may eventually occur later.
Q&As: Courses and grants help beneficiaries set up their own businesses; Big earner is wrong to think KiwiSaver is not for him; Why KiwiSaver money sits around at Inland Revenue for several weeks — although at least it earns interest.
Can’t afford KiwiSaver? That’s unlikely. A reader protests that, despite my suggestion that everyone under 65 should sign up to KiwiSaver, “reality has it that not many of us can afford it!”
Q&As: Why 20 shares are much better than two; Reader claims diversification is not a great idea. I disagree; Is land a lower risk investment than a share fund?
Q&As: In defence of so many questions about KiwiSaver — and a challenge to readers; Getting the best out of KiwiSaver for a non-earning wife and college kids; Getting the best out of KiwiSaver for an early retiree on a low income.
How same is the same housing market? A reader has taken issue with a comment in my last column that “the vast majority of current homeowners… could just sit out a plunge in house prices, or else sell and buy in the same market and suffer no loss.”
Q&As: Eggs in baskets don’t really apply to term deposits, but there’s another way to diversify; Taxing options if you take flatmates in to help you pay the mortgage; 2 Q&As on how to make the most of KiwiSaver if you are in and out of the work force.