Q&As:
– Couple has more than enough for retirement
– Gold gains taxed when you sell
– Not everyone tries to dodge tax
– Tax land rather than gains…
– …or tax financial transactions
– A different deal for tenants in Germany
Q&As:
– Winning a lottery not so great
– Keep that gift easily accessible
– Boomer unhappy with last week’s column
– KiwiSaver for self-employed
– Will BNZ term PIEs still be “insured”?
Q&As:
– Don’t try to time markets…
– … Even if you’re being contrary
– 2 Q&As on money lessons for teens
– Bank PIEs and government guarantee
– No capital gains tax, but we do tax some gains
Q&As:
– A tip on teen spending
– Could growth of index funds ruin the share market?
– Do extra saving outside KiwiSaver
– Stay in high risk near retirement?
– Should capital gains be adjusted for inflation?
Q&As:
– When investing becomes gambling
– Put withdrawal money in a cash fund
– Almost last over one year, but first over ten years
– Term deposits not so wonderful
– 2 readers disliked my response last week…
– … But 2 others loved it
– Why landlords “should be appreciated”
Q&As:
– Skip the bought coffee and lunch, and retire with heaps more
– Stick with funds despite high term deposits rates
– Three Q&As on grandchildren and inheritances
Plus:
– Sorted Money Month
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
Q&As:
– Term deposit website worries me
– Not easy to invest for teens without their knowing
– Clever idea for helping your child into their first home
– Readers’ stories about switching to smaller banks
Q&As:
– Where can 16-year-old get term deposit in their own name?
– The perils of guaranteeing an adult child’s mortgage
– Budget adviser likes reverse mortgages
– Colourful quotes from Bernard Baruch
Plus:
– Your story about switching banks
Q&As:
– How to avoid the boss’s meanness — a different way to contribute to KiwiSaver
– Credit card interest rise alarming
– Don’t bail out of KiwiSaver
– Funds’ relative performance all over the place
– 2 more providers let you withdraw dividends from funds — which can work well in retirement
– A reader’s story: Lessons learnt boost confidence