Keep contributing to KiwiSaver — through thick and thin.
– A listener’s email about children’s KiwiSavers, but it applies to everyone
– Don’t judge performance over short periods
– Stick with growth fund if not spending the money soon
– Contributing in downturns is a plus!
– How to support children and young adults in KiwiSaver
– Answers to listener Qs on KiwiSaver and market volatility
The 3 most important things to do with your KiwiSaver:
1. Join. And keep contributing.
– What 2 years delay can cost you.
2. Use a higher-risk fund — usually.
– You will probably end up with much more.
3. Choose a low-fee fund.
– The wide range of fees, and the difference it makes.
A bit of bitcoin?
– Top performing KiwiSaver bitcoin fund
– Possible reason it’s done so well lately
– But many risks
Q&As:
– Where first home buyer, 24, should put savings
– Pros and cons of selling rental in retirement
– A tale of simple — but worrying — tax
– What to do when mortgage ends
– Helping a grandchild into KiwiSaver
Q&As:
– Sorry but a motorhome is not a home!
– Don’t forget dividends when judging ETF performance
– Could a US share crash be coming?
– A warning about charity donations, but….
– Defending luck, again!
– Means testing NZ Super not the answer
Q&As:
– Low-fee KiwiSaver funds a better bet
– 3 teachers comment on comparison with dairy farmer
– How KiwiSaver is taxed — and whether CGT would change that
– Overly worried about CGT
– Don’t sell home, a reader advises
– More rights for tenants
The big good change in KiwiSaver
FMA’s annual KiwiSaver report:
– Growth of money in growth funds — and drop in conservative
– Who is not contributing?
– Where are we on ethical KiwiSaver funds?
– Fees fall, but could fall further
– Switches between funds
Q&As:
– Move money in steps
– British dodge capital gains tax (CGT)
– Phasing in of CGT
– New tax would bring complications
– Fairness of NZ Super, and CGT on shares
– Teen hit by inheritance tax
– What happens if inheritance is declined
Q&As:
– Let’s tax capital gains!
– 2 Q&As on what to do with shares from work schemes
– Big dividends are not the point
– Reader disgusted with using student loan to buy home
– Man should still have a will
– Shop around for estate quotes
Q&As:
– Okay to use a student loan to buy a house — financially and ethically?
– Investing for dividends has drawbacks
– Where are longer-term KiwiSaver returns?
– Government KiwiSaver boosts dwindle
– Write a will! What are the costs?