Q&As: Should KiwiSaver member move to a provider with better investment performance?; Reader “gets it” on why KiwiSaver is so good; Another reader is over-enthusiastic; Is it wise to put more money into KiwiSaver?; Index funds are well and good, but what if everyone invested in them?
Getting back in balance. Investment markets have been particularly turbulent in recent years. Chances are, therefore, that your spread of investments — over property, shares, bonds, term deposits and so on — has changed without your intending that to happen.
Q&As: Can a reader foresee gold and silver prices, and foreign exchange rates? Time will tell; Eggs in baskets matter as much now as ever — plus the difference between active and passive fund management; Can you invest with more than one KiwiSaver provider?; KiwiSaver for New Zealand resident with overseas employer — plus how to choose a provider.
Q&As: The “I can’t afford it” excuse for not joining KiwiSaver just went out the window — plus other points about kids and KiwiSaver; Are managed share funds a crock?; Here’s hoping a recent correspondent is not a regular reader of this column!; A book, online tool and language trick for overspenders and their partners; You must be under 65 to join KiwiSaver, but can take part in the scheme after that age.
Set and forget KiwiSaver funds a great choice for many. I’m not really interested in what happens under the bonnet of my car, as long as it goes. In much the same way many people are not interested in what happens to their KiwiSaver accounts, as long as they grow.
Q&As: Real estate agent objects to my suggesting people negotiate with agents; Brian Gaynor’s and my differing views on the best way to invest. Plus: Buy a KiwiSaver book for less than half price.
Q&As: Retiree stuck with a property investment that’s gone wrong should sell her house and the rental; 71-year-old wants to be in KiwiSaver, while younger New Zealander stays out for the sake of the country; Fees are not the only consideration when choosing a KiwiSaver fund.
Change KiwiSaver default funds… …but educate too. All the wrong people are ending up in KiwiSaver default funds — or are they? That depends on their financial knowledge, temperament and home ownership plans.
Wanted: better insurance against outliving our savings. Imagine you’re heading into retirement. You’ll get NZ Super, but you also have savings in KiwiSaver or elsewhere. You would like to spend that money over the rest of your life and leave the house to the kids. But — not knowing how long you will live — how can you decide how much to spend each year?
Q&As: Paying off mortgage — and getting rid of badly undiversified portfolio — are two great ideas; KiwiSaver can work well for student; Laying out the details on KiwiSaver exit fees; Buying shares directly from overseas broker cheaper in short run, but may not be wise.