Set and forget KiwiSaver funds a great choice for many. I’m not really interested in what happens under the bonnet of my car, as long as it goes. In much the same way many people are not interested in what happens to their KiwiSaver accounts, as long as they grow.
Q&As: Two readers’ bright ideas on how to negotiate with real estate agents; Everything you need to know about tax on PIEs, which include almost all KiwiSaver funds.
Q&As: Real estate agent objects to my suggesting people negotiate with agents; Brian Gaynor’s and my differing views on the best way to invest. Plus: Buy a KiwiSaver book for less than half price.
Q&As: Retiree stuck with a property investment that’s gone wrong should sell her house and the rental; 71-year-old wants to be in KiwiSaver, while younger New Zealander stays out for the sake of the country; Fees are not the only consideration when choosing a KiwiSaver fund.
Q&As: KiwiSaver fees — and how an article may have misled people; The range of KiwiSaver fees; Is bank cheating a customer on tax withholding rates?; Depreciation usually clawed back when a landlord sells — or is it?; More comments from and about landlords.
Change KiwiSaver default funds… …but educate too. All the wrong people are ending up in KiwiSaver default funds — or are they? That depends on their financial knowledge, temperament and home ownership plans.
Q&As: Why do people pick on landlords?; What tax breaks do rental property owners get that others don’t get?; Why some accountants’ advice to repay mortgage before joining KiwiSaver is wrong.
Q&As: Why it wouldn’t work to make tax changes for rental property apply only to people who buy property after a certain date; Landlord retaliation probably won’t last long; Holding people accountable for giving bad KiwiSaver advice — and lining up a partner to also get the first home subsidy; How might people with private pensions be compensated for rise in GST?
KiwiSaver neither guaranteed nor ghastly. Recent news suggests New Zealanders are poles apart on KiwiSaver. Some think the scheme is safer than it is. Others are leaping to ridiculous conclusions about how unsafe it is.
Q&As: Mum will probably never embrace KiwiSaver, but there’s hope for her son; What happens to KiwiSaver if you are made redundant; Last week’s column left a reader confused about tax rates.