Q&As: Hard to get info about tax on gains from share trading; In KiwiSaver, the government’s deal gets better, but not the employers’; Superannuitant should take heating payment and give it to charity; Landlord objects to my comment, says he works hard; Comments about financial advisers sought.
Q&As: Why term deposit returns now beat old returns above 10%; Is it OK if an employer makes employees pay their own KiwiSaver employer contributions?; Is it better to pay down the mortgage fast or be in KiwiSaver?; Might a fees-only financial adviser still accept commissions?
Q&As: Gift vouchers have their faults, but they’re not scams; How to find a financial adviser that doesn’t receive commissions; Why KiwiSaver returns on your own contributions are so high; KiwiSaver providers that don’t charge fees for under-18s; Winners of seminar tickets contest.
Q&As: Reader has same credit card trouble as last week’s correspondent…; …And last week’s correspondent finds the remedy doesn’t work; Another reader has a suggestion on credit card limits; And yet another one says ‘Fire your bank’; Thousands paying too much tax in KiwiSaver; Know your rights when dealing with financial service providers.
What savers and investors are entitled to. In your dealings with KiwiSaver providers, financial advisers, banks, peer-to-peer lenders, equity crowdfunding platforms and others providing financial services, the Financial Markets Authority says you are entitled to: Competence; To be treated fairly and honestly; To be informed; To know how much you are paying; To have your problems and complaints dealt with properly. What does this amount to? For more info see tinyurl.com/NZentitlements.