Q&As: A couple of concerns about buying shares in the company you work for; Bank’s mortgage changes don’t look like profiteering; New graduate shouldn’t bypass KiwiSaver; 3 Q&As about gloomy predictions and investing in gold.
Q&As: The big question: does the doom merchant use banks?; Why NZ banks are not beloved; How couple close to retirement might be able to get a mortgage; When saving beats repaying a mortgage; Low-income reader lives a good life; Housing NZ offers help to retired people too.
Q&As: New research helps to answer whether couple in early 50s should worry about how much they are saving; KiwiSaver funds won’t be the next finance companies; Should young man overseas repay his student loan?
Q&As: The kids are off, the house is mortgage-free, now what?; Couple are disillusioned by pathetic returns on managed funds; What to do with a small KiwiSaver nestegg when it’s your only savings; Clarifying the rules about KiwiSaver withdrawal if you’ve moved overseas permanently.
Excerpt from Upside, Downside. This week we are publishing the second excerpt from a small book Mary Holm has written for the Reserve Bank called “Upside, downside: A guide to risk for savers and investors”. It will be given away free to the public in September. This column will tell you how to get a copy then. Today we look at examples of risky investor behaviour. The normal Q&A column will resume next week.
KiwiSaver graduates face some choices. It’s decision time for the first KiwiSavers “graduates” — those over 65 who have been in the scheme for five years. But there’s no rush.
Excerpt from Upside, Downside. This week and next week, this column will publish excerpts from a small book Mary Holm has written for the Reserve Bank called “Upside, downside: A guide to risk for savers and investors”. It will be given away free to the public in September. This column will tell you how to get a copy then. Today’s excerpts include an overview and an example of one type of risky investor behaviour. Next week we will publish further examples.
Q&As: Repeated property do-ups unlikely to bring tax-free gains; Are shares really better in the long term than property or bank deposits?; Reader is confused over KiwiSaver first home subsidy price limits; Sleepless nights over a charity donation.
Q&As: Use accessible KiwiSaver money to repay credit card debt, and probably mortgage too; What exactly does growth in GDP mean?; 3 readers are unhappy with charities asking for more…; And a fourth points out how complicated it can get; An error last week about donations to St Johns?; Reader happy with his healthcare insurance.
Q&As: Tax rebates worth having — but are some charities greedy?; Some health insurance might be too lean and mean; KiwiSaver employees over 65 should ask the boss to keep contributing; Is KiwiSaver balance likely to go backwards after retirement?