How overconfidence can make you poorer (and other psychological aspects of investing): Applies to shares, property, fixed interest etc; Which gender?; Overconfidence leads to — 1. Too little diversification, 2.Frequent trading; What to do instead; Many women have their own problem — too little risk; Other ways emotions affect investing.
Too good to be true?: Warning signs of a scam — Who are victims?; Warning signs; False friends — features that make you think you’re OK; What to do if you’re suspicious; What to do if you’ve been ripped off.
Are you in the best KiwiSaver fund for you?: 1st question: which type of fund is best; Then ask which provider; It’s easy to change funds AND providers. Some unusual KiwiSaver funds to consider.
Getting through Christmas without going broke. Also, the big spender and the big saver. For big savers, Christmas is no problem. But there’s a downside. More later… Turning to the big spenders: What really makes the kids happy?; Ways to cut back gift giving; Tips on shopping wisely; Meaningful Christmas gifts; Spending lots on food and booze. Back to the big savers — a challenge for them (Includes lots of suggestions from listeners).
Two issues: Is home ownership the only way to go?; And ethical investing. Firstly, a bit more on children and KiwiSaver. Put in $1000 yourself, or don’t sign them up! 1. Is home ownership the only way to go? — You can instead save lots to cover accommodation in retirement; Home ownership is declining; Owning vs renting — Pros and cons of each option. 2. Ethical investing — What is it?; Possible problems; Are returns higher or lower?
KiwiSaver for children and younger people: 1. Under 18s — Differences in KS for under 18s; Should you sign up a baby or child under 18?; Should you make contributions to a child’s KS account? 2. Over 18s — Best way to save for first home; KS help for first home buyers — 2 aspects. 3. Which type of fund for the young?
Investing in rental property: The pluses and minuses — Low and high-risk ways of investing in property; Don’t overlook the costs along the way; The rental property personality.
Why every NZer under 65 should be in KiwiSaver: What makes it almost impossible to beat; Your reasons not to join, and why they’re probably not valid.
Mortgages: Fixed vs floating rates — Which? advantages of each; Types of mortgages — Ordinary (table), interest-only, revolving credit; Should you pay down your mortgage fast? — Or is it better to save?