Q&As:
– Reader plans to retire at 45
– Simplicity defends CEO’s colourful past
– Christmas grinch reports back on progress
– Scrap KiwiSaver and give the money to beneficiaries, says reader
– Hatch exec responds to Smartshares’ comments last week
Q&As:
– Reader can’t bring herself to enjoy her wealth …
– … While another reader has splashed out on an Italian holiday home
– 65+ reader is loving being in KiwiSaver
– How come passive funds are trading shares daily?
– ‘Passive’ KiwiSaver funds are not
– Is it better to invest in US index funds, with their lower fees?
Q&As:
– Clever ways to make Christmas less expensive and more fun
– Who’s creaming it, the lawyers or the banks?
– Bonus Bonds give reader nothing over 48 years
– An argument against online donations
– Give now rather than in your will, reader says
– Reader reckons he deserves his pension, after paying for others
Plus:
– List of charities offering meaningful Christmas gift programmes
Q&As: Holders of small student loans are better off getting rid of them; KiwiSaver can add up over the years for self-employed and non-employees…; And also students; Mortgage interest still deductible on rental properties; People should check medical care before moving to smaller towns; Father and daughter celebrate Dad’s day in the kitchen.
Q&As: Difficult for beneficiary to gain from inheritance; Is there anything in KiwiSaver for retirees? …; … Reader replies to that, but worries me; Does KiwiSaver beat other funds in retirement?; 2 readers have fun with last week’s tiny tax refund letter.
Q&As: Italy is bad for bureaucracy, but how about Kiwi girl getting 4¢ tax refund?; Do retirement investment “rules” change if you have big savings?; No we don’t want to reduce picture with column!; Company that performed badly last century doing well now.
Q&As: Should couple in their 40s splash out on an Italian holiday home?; How to invest savings 5 years before retirement; 3 rules of thumb on how much to spend in retirement …; … And how they apply to one couple.
Q&As: All the wrong people have — and don’t have — life insurance; Offset mortgages can work well; Help coming with KiwiSaver tax, but other joint accounts still a problem; Last week’s miffed reader adds light touch to column.
Q&As: Penalty acceptable for breaking term deposit, but not month-long wait; Another theory on “rule of thumb”; More on “government pays” versus “taxpayer pays”; Reader’s parents “milked the system”; Meaningful Christmas gifts.
Q&As: Reader prefers “taxpayer pays” rather than “government pays”; How do trusts affect the residential care subsidy?; Stats on retirement income confuse a reader; Book winners — six of the best.