Q&As:
– Landlords are not villains
– Rental property tax rule unfair
– His head said rent, but his heart said buy
– How to tell if your KiwiSaver fund holds DGL, or any other investment
– Student share clubs could teach about index funds
– Sexy student investing, and drunken share trading
– FMA relaxed about share clubs
– Bonus Bond story with happy ending
What to do about the 2 big investment worries — inflation and wobbly sharemarkets
– Short term — who knows?
– Take the long-term view
– What we can learn from this
Why comparing returns on rental property and shares is tricky
– A recent example…
– … But borrowing (aka gearing or leveraging) changes comparisons
– The worst that can happen with an investment
– How geared rental property can go wrong
– What about your own home?
– Update from last time on my single shareholding
Q&As:
– Covid-hit couple struggle to get a loan …
– … while another family finds solutions
– Short-term share performance is irrelevant
– Get used to volatility or move out and stay out
– 45 financial rules
Did you pass the test?
– What happens when share market wobbles
– Younger investors more prone to making bad moves
– Don’t try to time markets, research shows
– House prices wobble too — and returns not always as good
– Conclusion — if you move, stay moved!
Q&As:
– Ignore KiwiSaver fund performance over a few months
– Why you should focus on a fund’s fees, not its returns
– Your KiwiSaver fund has done well in recent years? So what!
– How hard it is for beneficiary parents to get back into work
– A reader’s quote is out of context — and he should stop being mean!
Plus:
– Meaningful Christmas gifts
Q&As:
– Should investor wait for world situation to change before investing in shares?
– A reader challenges my 10-year rule for share investments
– Why hasn’t ANZ paid Bonus Bonds investors yet?
– Should retired person move savings into KiwiSaver?
– Not all landlords are driven to maximise the rent they receive
Beware of the hype around IPOs (initial public offerings):
– What are they?
– Current examples
– Recent research on the 32 NZ IPOs since 2013
– Average performance: Good in first year, appalling long term
– The good ones
– The bad ones
– Conclusion: Don’t ignore IPOs. But take care
Active vs Passive share funds:
– Listener’s letter suggests an active NZ fund beats the index
– Why this could be misleading – wrong index, chosen time period etc
– Research on 15 NZ active share funds
– Conclusion: passive is a better choice
Q&As:
– Treasure hunt: Could this old term deposit be worth a fortune?
– A couple of worries about a share investor’s confidence
– “Spend while you can” says reader’s adviser
– Too few women in the Business Herald?
– One reader appreciates her real estate agent’s work …
– … While another sold easily without an agent