Q&As: How 71-year-old renter could use her savings to supplement NZ Super; Reader dislikes ‘free government money’ and KiwiSaver hardship withdrawals; Nobody can predict the share market, so don’t try to time it; Info on KiwiSaver returns is available, but not a lot of use.
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.
Q&As: Couple in 70s plan to sell house and rent. Why not?; Stay conservative if you don’t know when you’ll need the money; Member of bank KiwiSaver scheme watching his balance too closely; Future government unlikely to limit KiwiSaver withdrawals in retirement.
Q&As: Do landlords push up prices at property auctions?; Who should pay tax on property gains — and a call for a capital gains tax; Sydney house price rise not so amazing.
Has rental property had its run?: The market is slowing; Government changes — mortgages, tax on gains etc; Pros and cons of investing in a rental; Why rentals are riskier than they seem; Comparing rental and share returns; The landlord personality.
Why I’m sticking with shares for the long term — despite recent research: Provocative email from a listener; Research suggests cash deposits beat shares; Quibbles and serious concerns about the research; Best ways to invest in shares; Why I think shares will always win in the long term.
KiwiSaver performance, and timing markets: When should we take note of KiwiSaver performance?; What’s happened since KiwiSaver started; Why shares always do best over long periods; Why timing markets doesn’t work; What to do about that.
Q&As: KiwiSaver not quite so marvelous over several decades; But it’s still worth being in; The “buy a home before travelling?” question varies with the circumstances.
Q&As: Reader’s returns in the stratosphere; Bach reading reveals very long-term data on gold prices; To buy or not to buy when house prices look bubbly.
Rental property beats shares — or does it? At first it looked as if a recent article in the Reserve Bank Bulletin might help with the perennial question: Is it better to invest in property or shares? But no such luck!