KiwiSaver’s flexibility is a plus… …up to a point. KiwiSaver is many things — mostly good. But I hadn’t thought of it as a type of insurance policy until recently, when I was talking to an authorized financial adviser in Christchurch.
Q&As: Make credit card repayment your top priority; Why KiwiSaver tax credit is not as good as some people think; Revolving credit mortgage could help some unhappy ANZ customers; Reader bombs out on gold, silver, dollar forecasts.
Q&As: Is now a good time to buy a first home?; KiwiSaver versus mortgage repayment trade-off for self-employed and non-employees; 2 Q&As about changes to ANZ mortgage conditions.
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.
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.
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.