Q&As: How 71-year-old renter could use her savings to supplement NZ Super; Reader dislikes ‘free government money’ and KiwiSaver hardship withdrawals; Nobody can predict the share market, so don’t try to time it; Info on KiwiSaver returns is available, but not a lot of use.
Q&As: Stick with mostly global shares, despite NZ’s recent great performance; Time to top up for KiwiSaver government contribution — and how to work out your contributions; Money gift from father won’t affect using KiwiSaver to buy first home; KiwiSaver investment choices much wider than reader thinks.
Understanding risk and return: A survey suggests New Zealanders don’t get it; What investments give the highest returns?; What do we mean by risk?; Who should take investment risk?
Q&As: Should would-be first home buyers stay out of the market?; Grab the chance to save for first home; Reader’s KiwiSaver fees way higher than some providers’ fees; No need to move gradually from one share fund to another.
Q&As: Reader disagrees with my views on inheritances; KiwiSaver index funds, and performance of NZ share index; Choose risk level first, then go for low fees; A penny saved is better than a penny earned.
Q&As: Should solo mum keep her house and rent it out while moving to better school zone?; Invest in share fund or pay off mortgage?; No government guarantee of future NZ Super, but don’t worry about it; Why a KiwiSaver growth fund invests lots in fixed interest.
Q&As: Comparing KiwiSaver funds with indexes a great idea — but can it be done well?; Compound interest starts small, but after a few years …; Pay down mortgage or invest elsewhere for children?; Don’t forget accommodation when weighing up investment in your home; Reader very happy with ASB service
Q&As: With mortgage paid off, should KiwiSaver contributions rise — plus new contributions options; Does couple have too much in property, and does it matter?; Big KiwiSaver provider staff members don’t know basic info; One more provider gives kids a break on fees.
Q&As: Don’t try to time your move into a higher-risk fund; ‘Own pocket money’ a secret for matrimonial harmony; Non-earners should raise KiwiSaver contributions if they want a first home grant; A grandma worries about the children’s KiwiSaver accounts …; … But a mother reports her kids are doing fine; Video comparing home buyer and renter is misleading. RIP capital gains tax.
Q&As: Why non-KiwiSavers 60–64 should join before July 1; Returns the same no matter how couple splits KiwiSaver contributions; Children get tax advantage in KiwiSaver; Why KiwiSaver is good for kids despite drawbacks; CGT would apply only to gains after 2021.