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?
Q&As:
– Laddering a mortgage can work well
– All Lotto profits go to grants
– Lotto expenses explained
– Good to invest for the dividends?
– Saving for grandkids within your own KiwiSaver
Q&As:
– Long-term view needed on shares
– One more argument for KiwiSaver for teens…
– … Why a grandparent prefers to give a gift at 21
– Lotto boss gives his perspective
– What happens to student loan when you die
– How long bank takes when a customer dies
Q&As:
– Every couple should read this!
– KiwiSaver when you die
– Slope of KiwiSaver returns
– Which is better for the grandkids?
– The landlord perspective
Q&As:
– Grumpy share investor looks at too short a period
– Setting up KiwiSaver for the grandkids
– Another side to last week’s inheritance story
– Don’t be too tough on landlords!
– Can still get NZ Super when overseas
– Reader inadvertently broke KiwiSaver rules
Why you should choose index funds or ETFs (exchange traded funds)
– What are they? How they differ from other, active share funds.
– NZ research on why they beat active funds over longer term
– International funds are better
– How to find KiwiSaver index funds
– How to find exchange traded funds
– Money Month on Sorted.org.nz