Q&As:
– Couple should be able to have both a house and another baby — if they watch their spending
– House price data allows for huge price jumps from developer purchases
– Should couple pay more for house to be in best school zone?
– Son defends private schooling from Mum’s comments about drawbacks
– How KiwiSaver cash fund might work for person over 65
– Encouragement for woman in 50s who wants to quit her job
Doing KiwiSaver badly
– Not joining. Employees and non-employees.
– Not contributing.
– Switching too often or unwisely — good and bad switches
– Over 65s not using KS.
– Providers doing KS badly — not cutting fees much.
– Good news: Money in KiwiSaver doubled in 4 years.
– World Investor Week — info for new investors on FMA website.
Q&As:
– Should 24-year-old save for retirement too, or just a first home?
– KiwiSaver works well for over 65s
– Should my advice to woman in 50s have been more conservative?
– Private education not recommended by Mum who sent her sons there
– Dilworth School a possibility for solo Mum’s son
Q&As:
– Woman in her fifties should make the break!
– Great outcomes for children in state schools
– A state boarding school might work well for last week’s Mum…
– … and a scholarship might help, but watch out for bullying
– Consider tutors, and take note of the principal
– How gifting can affect government help for the elderly
Q&As:
– Grandparents’ best gift for a baby
– Single Mum should put house ahead of son’s private schooling
– Should last week’s Mum buy a cheaper house now?
– Yes, tenants can put up pictures, but they need to fix the walls afterwards
– A little of the high-risk stuff, but only a little!
Q&As:
– Treasure hunt: Could this old term deposit be worth a fortune?
– A couple of worries about a share investor’s confidence
– “Spend while you can” says reader’s adviser
– Too few women in the Business Herald?
– One reader appreciates her real estate agent’s work …
– … While another sold easily without an agent
Q&As:
– Pay son’s student fees or help with home purchase?
– Researcher challenges value of KiwiSaver
– What does this reader mean?
– House buyers should do more research
Plus:
– A quiz and upcoming talks
Q&As:
– Don’t drop your house insurance!
– Reader has a go at tax avoiders and evaders
– Terminally ill mother of teens worries about their inheritance
– KiwiSaver performance fees now have to be justified
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
Q&As:
– What should siblings under 23 do with inheritance?
– Does this reader still need trauma or life insurance?
– Skip strategies to “get rich” in share market …
– … and maths won’t help you
– Share markets don’t necessarily move with economies
– KiwiSaver when you turn 18 or 65
– Covid government subsidies are taxable