Q&As: Reader wants to pay financial adviser according to performance, but advisers not so keen; Adviser’s reason for putting clients into finance companies is not good enough; RFAs — registered financial advisers — must also operate under stricter rules; Grandma might want to put conditions on financial help for student grandchildren.
Q&As: How to find a good financial adviser; Difference between an adviser and a fund manager, and how they charge; Adviser should always make high-interest debt the top priority; 70-year-old KiwiSaver’s plan for her grandchildren.
Q&As: Should couple with iffy job prospects sell their shares to slash their mortgage?; Young KiwiSaver with an eye on first home help should move to a lower-risk fund; One KiwiSaver doesn’t appreciate how good his deal is…; And another is sick of whingers over the scheme; Did my comment about people’s inability to pick investments cover advisers?
Q&As: Tax cutting scheme likely to bring much more wealth to the company than to a reader; How recipients of below-market share offers can get their own back; A reader shows her bank just what she thinks of it; How is our gold price forecaster doing?; Some help with finding a good financial adviser.
Where did the finance company money go? A reader is trying to get his head around his finance company loss. “I’m wondering if you would please consider writing an article on how investment companies lose their money — actually our money — and what happens to the money,” he writes.
Q&As: Two readers are unhappy with ASB’s closing of some of its investment funds — with some justification, but only “some”; Another reader gives up on reading this column, claiming I am “inside the tent” with the financial industry.
Q&As: One reader is angry that ASB is closing the trusts he’s invested in, while…; Another reader sees it as a great opportunity to try a new investment strategy with term deposits; I might be a duck or a weasel, but I’m not a financial adviser.
Q&As: Reader’s golden suggestion for investing proceeds of a house sale is worrying; 3 Q&As about KiwiSaver details — for people in other super schemes, children, and newly signed up KiwiSavers; More ideas on alternatives to “Mum and Dad” investors, including from a top government official.
Q&As: Some active share funds will do better than passive index funds, but it’s impossible to predict which ones; Don’t go chasing high-performing KiwiSaver funds — here’s how to choose your provider; Another index fund available in New Zealand; Fee-charging advisers don’t gain from putting clients in higher risk investments than they should.
Q&As: It’s not wise to let yourself be forced into being a landlord; Which New Zealand providers offer passive or index funds?; What are the minimum investments in passive funds?; Details on how the new resolution schemes for disputes with advisers will work.