RNZ Radio 9 July 2026
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?
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
Q&As:
– Note to readers: fortnightly column
– Couple in 70s should sell 1 of 2 rentals and relax
– How to invest savings in retirement …
– … and for other goals such as uni
– The power of reinvesting dividends — and when not to
– What if KiwiSaver access age rises?
2 unhappy listeners: on home ownership v renting, and active v passive fund managers
– Email from woman with mortgage-free house challenging my statement about renting being cheaper than home ownership
– Text from man challenging what I say about active fund management
Q&As:
– Is it time to move out of growth funds?
– Bank KiwiSaver funds not in compensation scheme
– Gold v shares? What about costs?
– Preference shares not an alternative for term deposits
Q&As:
– How gold compares with shares over the short and long term
– Property fund wrong for 92-year-old
– Is this a good time to reduce KiwiSaver risk?
– Cash fund? Term deposits? A bit of both
– Reader unfair about last week’s Q&A
My top ten money tips — Part 1
– Be in KiwiSaver — get the free money
– Get the right risk level — most important
– Don’t assume success will continue
– Diversify within one type of asset: shares, bonds
– Diversify over different assets
– Plus some listener questions