Getting wise with mortgages
– Mortgage interest rates are falling. Huge rewards from keeping up old payments.
– 3 different types of mortgages — offset, redrawable and revolving credit, and who they work well for.
– Reduce term of mortgage — eg from 30 to 25 or 20 years. Makes a big difference.
Keep contributing to KiwiSaver — through thick and thin.
– A listener’s email about children’s KiwiSavers, but it applies to everyone
– Don’t judge performance over short periods
– Stick with growth fund if not spending the money soon
– Contributing in downturns is a plus!
– How to support children and young adults in KiwiSaver
– Answers to listener Qs on KiwiSaver and market volatility
The 3 most important things to do with your KiwiSaver:
1. Join. And keep contributing.
– What 2 years delay can cost you.
2. Use a higher-risk fund — usually.
– You will probably end up with much more.
3. Choose a low-fee fund.
– The wide range of fees, and the difference it makes.
A bit of bitcoin?
– Top performing KiwiSaver bitcoin fund
– Possible reason it’s done so well lately
– But many risks
Go offshore with KiwiSaver
– 2024 — good year in NZ shares, but even better elsewhere
– Fall in Kiwi dollar contributed
– Should look longer term
– How to invest in international shares
– Disloyal to NZ?
Are we celebrating Christmas the best way?
– Survey on what NZers most and least look forward to at Christmas
– Alternatives to big gift giving
– Give to charity in names of your relatives
– Make plans on Christmas Day and New Year’s Eve
Also: Update on Simplicity not yet permitting investment in more than one KiwiSaver fund
What happens to your KiwiSaver if your relationship ends
– Applies if married or live together 3+ years, and no pre-nup saying otherwise.
– How much of your KiwiSaver becomes relationship property.
– How differences in KiwiSaver balances can be settled.
– Broke up earlier? You may still be able to get some of partner’s KiwiSaver.
How can men (and some women!) invest better?
– What men do well with their investments
– Where there are problems
– Research on trading frequency
– What to do with a lump sum
The big good change in KiwiSaver
FMA’s annual KiwiSaver report:
– Growth of money in growth funds — and drop in conservative
– Who is not contributing?
– Where are we on ethical KiwiSaver funds?
– Fees fall, but could fall further
– Switches between funds
Banking in tough times — how we’re doing, plus payee confirmation coming at last!:
– How many apply for hardship
– How we run our credit cards
– Types of mortgages — what’s best?
– Use of term deposits
– Payee confirmation — see who you are paying online