Q&As:
– Bitcoin a worrying investment — even if bought through a local platform
– When is a cash fund not a cash fund?
– Why funds with lots of bonds are doing badly
– Get your money in the right risk levels for you
– Reader says tax system favours landlords…
– … While another says the opposite
Listeners’ KiwiSaver worries
– Conservative funds are not low-risk
– Why funds with lots of bonds are losing value fast
– Don’t try to time markets by moving your money
– How to organize your KiwiSaver in retirement
– Is this a good time to invest more?
Reminder: Have you contributed enough to get maximum from the government?
Q&As:
– Financial adviser’s suggested plan is diversificraziness!
– Reader is wise to be cynical about two advisers
– Reasons not to invest in DGL after CEO’s sexist and racist comments
– 2 readers question role of auctions in house price rises
– Tale of a 1980s share club
Plus:
– Talk on Great Barrier Island
Listeners’ letters about KiwiSaver and inflation:
– Should you stop KiwiSaver contributions when your balance falls?
– Should you switch KiwiSaver provider in a down market?
– With inflation at 7%, do you need to earn 10.3% before tax to stand still?
Q&As:
– Don’t act when share markets do …
– … and when you should take action
– Best strategy for investing a lump sum
– Market wobbling? Get out a novel
– Laddering a mortgage — with bells on
– House insurance may not fully cover rent during rebuilding
Q&As:
– Online calculator helps you work out how much your home should be insured for
– A catch-up for daughters’ KiwiSaver accounts
– Laddering plus compounding works a treat …
– … But is this a good time to get into term deposits?
– Could laddering work for a mortgage?
– How one couple runs their money
Q&As:
– Please don’t let your partner run your money without your input
– Comparing KiwiSaver and non-KiwiSaver funds
– Laddering term deposits a great way to invest low-risk money — and what are Term PIEs?
– How do NZ-owned banks compare with overseas-owned ones?
– How high inflation affects low-risk savings
Q&As:
– Million-dollar mortgage is quite enough
– Weighing up investing versus extra mortgage payments
– Mortgage adviser can tell reader if she can make home ownership work
– KiwiSaver performance fees come with worries
– Experienced landlord gives us the numbers
Q&As:
– Where to keep money for jewellery while awaiting Italian trip …
– … And where to keep it while awaiting a house purchase
– Give money to grandkids rather than their parents
– Invest a lump sum now, or wait?
– A few more “money rules”, and a source revealed
– Good Samaritan helps out last week’s struggling tourism operator
Did you pass the test?
– What happens when share market wobbles
– Younger investors more prone to making bad moves
– Don’t try to time markets, research shows
– House prices wobble too — and returns not always as good
– Conclusion — if you move, stay moved!