2 quick tricks with numbers — helpful in KiwiSaver, property, managed funds
Rule of 72 tells you:
– How long for lump sum investment to double.
– If lump sum investment has doubled, what annual return you got.
Dollar cost averaging:
– A big plus of regular investing.
– Using it if you have a lump sum.
Q&As:
– Brilliant KiwiSaver results in 2023
– Stopping regular investing in downturns not a good idea
– Why longer-term laddering works better
– Landlords’ finances not what drives rents
– Did tax policy hurt UK investment here?
– Finer points of rental tax deductions
Q&As:
– 5 shares in one industry playing with fire
– How rental property should be taxed
– Reader objects to landlord image
– What happens to odd cents
– The next step in laddering term deposits
– No I don’t support the Government blindly
Q&As:
– Help for couples with different attitudes to money
– Where to save for a baby’s future
– Worries about S&P500 index funds …
– … Investing in many index funds
– Did NZ Super Fund get it wrong?
– “Clever” taxpayers like Prime Minister?
How women and men invest differently — the good and bad
– Women run everyday money better
– But financial knowledge gap increases with age
– Retirement savings gap
– Women trade less — good!
– But women take too little risk
– Good news on parental leave and KiwiSaver
Q&As:
– Keep investing, or get rid of that debt?
– Super Fund result doesn’t put me off passive funds
– Some readers dislike last week’s chauffeur letter…
– … While others love it
– Using tax loopholes “not open to criticism”?
How would you do in this financial knowledge test? Plus silly reasons for not being in KiwiSaver
– 4 questions about personal finance
– Old did better than young, and women did better than men
– 7 reasons given for skipping KiwiSaver are all faulty
Q&As:
– Couple in their 90s find “hidden treasure”
– First home at 23, with no family help
– How to get 14-year-old into shares
– “Never give up — and know about the family finances”
– Couple very happy on $80,000 income
– How I did the maths last week
Q&As:
– Do fund managers “do nothing but take fees”?
– A good alternative to KiwiSaver hardship withdrawals
– Switching to a cheaper rental property has its pluses
– Control inflation by raising KiwiSaver contributions?
Q&As:
– Best retirement investment — running?
– No, I’ve still not converted to market timing
– Which KiwiSaver providers have the best fund flexibility?
– More on lawyers and wills
– Care subsidy could be unfair on couples
– Warn the family they may not get the house
– Consider curbing your gifts in retirement