Q&As: Stick with mostly global shares, despite NZ’s recent great performance; Time to top up for KiwiSaver government contribution — and how to work out your contributions; Money gift from father won’t affect using KiwiSaver to buy first home; KiwiSaver investment choices much wider than reader thinks.
Why sticking with NZ investments is foolish: Diversification — NZ is a tiny portion of world markets; How to invest offshore — in KiwiSaver and elsewhere; What about foreign exchange risk?; How much of your investments should be offshore?; Is investing offshore disloyal to NZ?; What is hedging, and is it good?
Q&As: Steer clear of Hong Kong share pitch; Hedging applies to most KiwiSaver investors; A way to hedge an index fund investment.
More on spreading your money around: How to diversify each type of asset; Chances of your account balance falling; Diversifying… around the world; …With mortgages; …Over time.
Q&As: Thai retirement not so cheap; Buffett not unbalanced; 3 Q&As on investing in international index funds.
Q&As: Car buying decisions not always rational; Should young man invest in Fiji, buy a house, or neither?; Why it takes so long to process KiwiSaver contributions; When must self-employed make employer contributions to KiwiSaver?; I will try to run more non-KiwiSaver Q&As; Last week’s picture offends a reader.
Q&As: Reader’s message about international shares is good, but not his arguments; How hedging international investments works; How to be in KiwiSaver as well as another super scheme.
Q&As: Easier to borrow to invest in property than shares, but that’s not always a plus; Tax on international shares is different, but not necessarily worse; Anti-KiwiSaver reader gives me all the more reason to write about KiwiSaver.
Q&As: KiwiSaver trustee change raises questions about how much trustees protect members; Hazards of dealing with an overseas sharebroker; What’s the difference between investing and gambling?
Q&As: Paying off mortgage — and getting rid of badly undiversified portfolio — are two great ideas; KiwiSaver can work well for student; Laying out the details on KiwiSaver exit fees; Buying shares directly from overseas broker cheaper in short run, but may not be wise.