Q&As: Changes to KiwiSaver and NZ Super inevitable — and justified; Negatives about KiwiSaver not so bad; Reader loves KiwiSaver; 3 Q&As on tax credit and timing of it; Immigrants from UK lucky with their timing; UK interest rates not so low.
Q&As: Reader knows more about chemistry than savings schemes; Yes, KiwiSaver does rely on government favours to be attractive, but that’s okay; Timing of the tax credits in the next KiwiSaver year; Some KiwiSavers on total remuneration may want to take contributions holidays; When to bring UK inheritance to New Zealand.
Q&As: Should we all panic over the Savings Working Group’s dire forecasts?; Do Bill English and Alan Bollard need to talk about how hard it is for New Zealanders to save?; Why mailing nasties to companies that make low-priced share offers might not work.
Q&As: With extra to pay off a mortgage, should you add to principal repayments or shorten the term of the loan?; Graph of gold price history tells some interesting stories; Transferring money from UK to New Zealand to take advantage of higher interest rates here could be risky; Under what circumstances can Inland Revenue take money out of your KiwiSaver account?
Q&As: Reader with money in UK asks what will happen to the UK:NZ exchange rate; 4 Q&As on whether it’s a good idea to invest in gold and silver.
Q&As: Can a reader foresee gold and silver prices, and foreign exchange rates? Time will tell; Eggs in baskets matter as much now as ever — plus the difference between active and passive fund management; Can you invest with more than one KiwiSaver provider?; KiwiSaver for New Zealand resident with overseas employer — plus how to choose a provider.
Q&As: “Gambler” with foreign currency movements had better get out of the casino before he loses more than his shirt; 2 readers object to what I said last week about managed funds — but are their comments fair?; The fun continues over classic cars and whether they make good investments.
To hedge or not to hedge? There are two key questions around investing overseas: Should you do it? And if you do, should you hedge your investment, so it’s not affected by movements in the New Zealand dollar. The first answer is “Yes”. The second is trickier.
Q&As: Measuring movements of the Kiwi dollar against the US dollar can be quite misleading; Last week’s boss responds to my response to him!; KiwiSaver tough on small businesses; Many reasons to use Indian labour rather than NZ labour; NZ workers not so bad.