Q&As:
– More saving is not for everyone
– A way around “too much AI” in share funds
– Reader’s complaint seems mean
– “Sneakers guy” last time deserves praise
– Get the right sort of life insurance
– OK to move for cheaper housing?
– “I won’t browse there!”
Plus:
– Mary talking in Tauranga
Ways to get rich quick
– Start a business
– Invest heavily in a few shares with big prospects
– Trade in shares, crypto etc
– Borrow to invest
– Gamble, marry wealth, break the law!
– Conclusion
Can you pick the few great shares?
– Research on 100 years in US share market
– 60% of shares performed poorly
– 2 out of 1,000 shares created half the gains!
– Can you identify them?
– Diversification is boring but best
– How to diversify
Q&As:
– Should couple sell their home, rent and invest in shares?
– Should we move out of index funds because crash is expected — maybe?
– Will house prices boom again?
– Do older singles get favourable treatment?
Stay put when shares and KiwiSaver funds wobble
– US data on investing lump sum
– Best and worst days close together
– NZ data on investing $100/week
– Get in and stay in
– Don’t try to time markets
The power of drip feeding into investments
– 3 reasons it works well
– What is dollar cost averaging?
– Why does it work?
– What if you have a lump sum?
Q&As:
– Unanswerable question – when to buy and sell a share
– Tax cutting advice is worrying
– NZ Super already sort of means tested
– Nobody tells you to apply for Super
– “It’s time Kiwis were more reliant!”
– Aussies get big tax break on Super
Laddering — best way to invest bank term deposits. Can also ladder mortgages.
– Advantages: Often better interest rate. Frequent access. You won’t get it wrong with all your money!
– How to set up laddering.
– Ladder your mortgage.
– Also — bargain with your bank.
Stick with US shares?
– US ETFs and other US share investments — how have they done?
– Pick another country instead?
– The answer — go global, or reduce risk level
– How to make the move
Investing in individual shares — and why I don’t!
– How you can invest
– 4 reasons not to invest in individual shares — versus share funds
– One exception
– But if you still want to … 4 rules