Making KiwiSaver Better: Compulsion?; Change default fund investments?; Get rid of total remuneration?; Change contribution holidays rules?; Rename tax credit and contributions holidays?; Help with income and investments at retirement?; Reminder about tax credit.
Q&As: Check credit ratings before investing in finance companies; Reader gets higher term deposit interest by asking; Possible interest rate rise and what to do about your mortgage; How KiwiSaver employee contributions are counted towards tax credit.
Q&As: Who to appeal to on KiwiSaver financial hardship withdrawal; Check insurance if doing Airbnb; Upset reader wants me to apologise to fathers; Pick your term when ‘laddering’ term deposits; Ask the bank, and ye shall receive; Tax on landlords ‘would be unfair’; One reason some don’t contribute to KiwiSaver.
A New Idea For Rainy Day Money: What is rainy day money?; New proposal that could help many; Currently — sources of emergency cash; Where to keep rainy day money; Let charity pay!
Q&As: Single mother should stick with term deposits — but ladder them; 4 Q&As on whether mortgage interest should be deductible by landlords and homeowners; More people live in average rental property than in owner-occupied home; Taxpayers shouldn’t have to pay to get their tax return prepared; Reminder about getting maximum KiwiSaver tax credit.
Q&As: Property investors’ interest deductions not unfair; A landlord’s busy week; Investors contribute to housing shortage; My suggestion was ‘morally wrong’; Employers shouldn’t subsidize retirement savings, reader says; An omission about taxation of shares; Keep watching.
Q&As: Hard to get info about tax on gains from share trading; In KiwiSaver, the government’s deal gets better, but not the employers’; Superannuitant should take heating payment and give it to charity; Landlord objects to my comment, says he works hard; Comments about financial advisers sought.
Q&As: Does Labour still plan to restart KiwiSaver kickstart?; House sale price shows the power of long-term compounding; Reader surprised by my advice to sell rentals in retirement; Another retiree thoroughly enjoys being a landlord; Battle between property investors and first home buyers; Wealthy reader agrees that lack of capital gains tax is unfair.
Q&As: Employers taking their KiwiSaver contributions out of employee pay should be stopped; “Fatal flaw” in short selling not so fatal; Reader thinks IRD should have been tougher on rental capital gains…; …While another reader suggests an alternative tax; “It’s property investor activity that counts” says reader.
Why timing the markets doesn’t work: People always move too late — or too early!; Research on this; When SHOULD you move your investments?; What type of investor are you?; Move gradually — even in KiwiSaver; 2 listener’s letters.