Q&As:
– Reader wants to invest specifically in oil and gas industry
– Crash prediction didn’t happen
– 2 letters on investing in shares only if you have a 10-year horizon
– Longer vs shorter mortgage, and paying down mortgage vs investing
– KiwiSaver government contribution as you turn 65
– Are KiwiSaver fees tax deductible? And what are all those fees?
Q&As:
– Should investor wait for world situation to change before investing in shares?
– A reader challenges my 10-year rule for share investments
– Why hasn’t ANZ paid Bonus Bonds investors yet?
– Should retired person move savings into KiwiSaver?
– Not all landlords are driven to maximise the rent they receive
Q&As:
– What is the difference between investing and gambling?
– Do over-65s pay their way in terms of tax and NZ Super?
– Reader has a perfect job for someone over 70
– 2 Q&As about selling rentals in retirement and what to do with the money…
– … And a retired reader who has no intention of selling his rentals
Q&As:
– Grandparents’ best gift for a baby
– Single Mum should put house ahead of son’s private schooling
– Should last week’s Mum buy a cheaper house now?
– Yes, tenants can put up pictures, but they need to fix the walls afterwards
– A little of the high-risk stuff, but only a little!
Q&As:
– Where to park money for a year or two
– Why it’s hard for couple to become “wholesale investors”
– Ideas for last week’s beneficiary…
– … and a story that might encourage her
– Landlords can’t ban pictures on the wall
– Suggestion for Timaru-bound couple: Keep Auckland house and rent it out
Managing your mortgage
– Survey: Half people with mortgages are ahead on their repayments
– Penalties on repaying fixed loans early
– Why being ahead is good news: retirement savings, security, goal setting, easy “investment”
– But is this best thing to do with spare money?
– The future: rising interest rates, what to do if you can’t meet payments
– Best strategy: fixed or floating? Several terms?
Online share trading — don’t forget the basics
– Main platforms — Sharesies, Hatch, Invest Now and Stake
– Nearly 40% of adult NZers (1.5 million people) use or plan to use
– Five messages for share investors:
1. A good company is not necessarily a good investment
2. Decide about diversification (Can do share funds online too)
3. Shares are for the long term — or gambling
4. Traders are not winners on average
5. Value vs growth? Dividend payers vs others?
– Comparisons and info on safety of your investments — MoneyHub
Q&As:
– How to invest as inflation increases
– Does my writing stand the test of time?
– KiwiSaver provider’s services could be better
– Reader has a good laugh about real estate commissions …
– … while another one defends agents
– When agents sell their own houses
Listeners’ questions about anything financial:
– KiwiSaver v shares — or electric vehicle?
– KiwiSaver for people in 2 jobs
– Risk level for money soon to be withdrawn
– Pay down mortgage v investing
– How much do you need to retire?
– Using KiwiSaver in retirement
– KiwiSaver as you turn 65
– Alternatives to bank term deposits
Gender differences in handling money and investing
ASB info from customer transactions:
– Spending
– Money management
– Saving
– Retirement savings
– Knowledge
Other research:
– Risk
– Trading
– Scams
Messages for each gender