Category: RNZ Radio | Page 9

RNZ Radio 15 July 2021

July 15, 2021

Listeners’ questions about anything financial:
– KiwiSaver v shares — or electric vehicle?
– KiwiSaver for people in 2 jobs
– Risk level for money soon to be withdrawn
– Pay down mortgage v investing
– How much do you need to retire?
– Using KiwiSaver in retirement
– KiwiSaver as you turn 65
– Alternatives to bank term deposits

RNZ Radio 1 July 2021

July 1, 2021

RNZ Radio

Gender differences in handling money and investing
ASB info from customer transactions:
– Spending
– Money management
– Saving
– Retirement savings
– Knowledge
Other research:
– Risk
– Trading
– Scams
Messages for each gender

RNZ Radio 17 June 2021

June 17, 2021

RNZ Radio

KiwiSaver for non-employees of all ages — plus new research on KiwiSaver fund switching during Covid downturn
Switching funds: Young switched more, and members of bank schemes
Non-employees:
– Aged 18 to 65: $1,042 BEFORE June 30; rules for first year and turning 18 or 65; best to drip feed.
– Over 65: Good place for retirement savings; problems withdrawing money?
– Under 18: savings habit and learning about investing; aim at first home ownership

RNZ Radio 3 June 2021

June 3, 2021

RNZ Radio

Reverse mortgages revisited, and 10 ways to make retirement easier financially
– Further thoughts about reverse mortgages — when younger retirees might use them
– Retire later — job satisfaction, social contact, financial
– Move house, and maybe town
– Boarders or flatmates or Airbnb
– Subdivide
– Rates rebates if on low income
– Rates postponement on any income in some places
– Accommodation supplements (government help with rent, board or home ownership costs)
– Sell your house and be a tenant
– Sell assets on Trade Me etc. including valuables
– At 90, you become the charity!

RNZ Radio 20 May 2021

May 20, 2021

RNZ Radio

Reverse mortgages: Free up money for retired people — but take care!
– Growing interest in them
– How they work
– What to ask about them
– Some problems
– How people use them
– Where to get more info

RNZ Radio 6 May 2021

May 6, 2021

RNZ Radio

Changes to consumer lending – harder to borrow but less spiralling debt
Notes from Financial Services Complaints Ltd conference on May 4
– Changes in effect last year: Caps on interest and fees.
– Changes in October 2021: Lenders must assess whether borrower can afford loan.
– Consumer Data Right: Government considering this. Consumers can choose to give their financial data to providers, budgeting platforms or comparison websites, etc.
– Another topic: “A complaint is a gift”.

RNZ Radio 8 April 2021

April 8, 2021

RNZ Radio

Low-risk funds — a good alternative to bank term deposits
(But first — a quick follow-up on share trading)
– Defensive and conservative funds, in and out of KiwiSaver
– Where to get info — Smart Investor tool. Look for low fees.
– Don’t panic when balance falls a bit
– Comparison with bank term deposits:
— Pluses: withdrawals, PIE tax, safety
— Minuses: fees, don’t know returns, some volatility