Q&As:
– Woman, 63, plans to live in caravan…
– … Couple who do that wonder about selling the house they rent out
– Do inflation numbers take shrinkflation into account?
– How to find a financial adviser
– I goofed up on a student loan moral issue
How to pick the best KiwiSaver fund for you
4 steps: (Also applies to non-KiwiSaver funds)
1. Most important: Work out your risk level
2. Choose a fund at your risk level — including why you should largely ignore past returns
3. Other info on Smart Investor
4. Check the ethics of funds
KiwiSaver turbulence, and interesting findings about NZers and ethical investing
– Comments on market turbulence
– Keep contributing to KiwiSaver
– Listener questions
– Survey on ethical investing: Changing issues, who is most “ethical”
A bit of bitcoin?
– Top performing KiwiSaver bitcoin fund
– Possible reason it’s done so well lately
– But many risks
The big good change in KiwiSaver
FMA’s annual KiwiSaver report:
– Growth of money in growth funds — and drop in conservative
– Who is not contributing?
– Where are we on ethical KiwiSaver funds?
– Fees fall, but could fall further
– Switches between funds
Q&As:
– Why over 65s don’t get KiwiSaver government money
– Taking environmental issues into account
– Good spending in her 70s
– Income protection insurance really paid off
– 2 Q&As on grandkids’ inheritances
– Money plan at 78
Q&As:
– Don’t watch your KiwiSaver closely
– KiwiSaver government money when you move provider…
– … And when you turn 65
– When term deposit beats mortgage paydown
– Gifts to grandkids could lead to trouble later
“Ethical” investing
A report on Mindful Money conference:
– What is ethical investing?
– Becoming more mainstream
– Barriers to KiwiSaver involvement
– Funds investing in residential property
– Award-winning funds
Update on ethical investing:
– Ethical investing is increasing in NZ
– But there’s still a way to go, says Mindful Money
– Impact investing also increasing
– Returns on ethical shares versus “sin stocks”
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