Q&As:
– Brilliant KiwiSaver results in 2023
– Stopping regular investing in downturns not a good idea
– Why longer-term laddering works better
– Landlords’ finances not what drives rents
– Did tax policy hurt UK investment here?
– Finer points of rental tax deductions
KiwiSaver just had a great year! Plus 2 other KiwiSaver issues
– Great returns in 2023 — and very few losses
– Returns over 5 and 10 years
– What we can learn from this
Plus:
– Many sole traders missing out on KiwiSaver — can work well for them
– How to move KiwiSaver provider
How women and men invest differently — the good and bad
– Women run everyday money better
– But financial knowledge gap increases with age
– Retirement savings gap
– Women trade less — good!
– But women take too little risk
– Good news on parental leave and KiwiSaver
How would you do in this financial knowledge test? Plus silly reasons for not being in KiwiSaver
– 4 questions about personal finance
– Old did better than young, and women did better than men
– 7 reasons given for skipping KiwiSaver are all faulty
Update on ethical investing:
– Ethical investing is increasing in NZ
– But there’s still a way to go, says Mindful Money
– Impact investing also increasing
– Returns on ethical shares versus “sin stocks”
Which bank for your term deposits? — we look at rates and riskiness
– Who pays highest interest over time?
– Chances of a bank failing
– What happens now if a bank fails?
– Deposit guarantee coming next year
Q&As:
– Laddering savings while studying for a new career
– Dodging the rental property bright-line test
– Using KiwiSaver money to buy a UK house
– Go for the pension scheme with the employer contributions
– No need to close KiwiSaver when living overseas
– Are your contributions included in your KiwiSaver return?
Q&As:
– Are NZ houses unnecessarily big – and therefore more expensive?
– Could we just halve all house prices?
– Unfair to compare KiwiSaver and NZ Super Fund, but still …
– A property purchase that went brilliantly
Plus:
– Meaningful Christmas gifts
Q&As:
– Get rid of the rental and get on with enjoying life!
– Reader gets it upside down on KiwiSaver fees
– When it’s good to be in more than one KiwiSaver fund
– Rental property not all that “safe(ish)”
– Shares are a great alternative to property
Q&As:
– Tips for a 26-year-old on how saving for a home
– A 50% house price drop? 30% has happened
– Changes strengthen landlord argument
– Tough gifting rules for elderly care subsidy
– One way around the care subsidy rules?
– Divorce not the answer unless real