Repaying debt — student loans, mortgages and high-interest loans — what to do when
– Watch spending over Christmas and holidays
– What is wealth — and why it’s like a tank of water?
– Water into tank (savings) versus water out (interest on debt)
– Applied to high-interest debt, mortgages and student loans
Plus:
– Follow-up to last time. Simplicity improves its rating
Which KiwiSaver providers offer the best service? What might you be missing out on?
Which providers:
– Check if you contributed enough to get government max?
– Support members in market downturns?
– Let you be in more than one fund — and when that matters?
– Do best and worst over all
Where to get more info on this
Investing in overseas shares is for everyone
– Why investing in NZ shares only is not wise
– Why go with the whole world, not individual countries
– Easiest way to invest internationally
– Ways to reduce risk
– Disloyal to NZ?
We’re getting smarter with our KiwiSaver choices
Total funds nearly $100 billion — although dropped in 2022
4 good trends:
– More in growth funds
– More choice for investors
– Fees falling
– Good international investing
Correction about how long it takes employee contributions to reach providers
Ignoring the markets is good! Keep investing at the same pace regardless.
– Taxi driver’s story
– Research — regular investors do better
– What is dollar cost averaging, and why does it work?
– Applying it to KiwiSaver, other funds, shares, foreign exchange, lump sum investing, when moving risk levels
– Other advantages
How to boost your saving
– Open separate account
– Set a goal
– Pay yourself first
– Start small
– Play mind games
– When expenses or taxes decrease…
– Inheritances and wins
– The pay rise promise
How much insurance should we have?
– Email from listener: Do we have too much insurance?
– Attitudes to insurance
– Types of insurance
– Keeping insurance costs down
Houses still too expensive? Lower your standards
– House price rises still very high
– House size increased while families smaller
– Quality has risen, but also unnecessary rooms?
– Too expensive? Choose smaller home
Struggling to pay rates? Try a rebate or postponement:
(First: A comment on National’s proposed KiwiSaver changes)
– People facing big rate rises
– Different councils’ offerings
– Rebates for people on low incomes
– Postponement in some cases for everyone
– How it works
– How to get help with this
Which investment? And why cash funds might be best
– Email asks: 4.5% in bank or use KiwiSaver?
– Where to put short-term, medium-term and long-term money
– What are cash funds?
– How they compare with bank term deposits
– How to find a cash fund