Q&As:
– Woman, 63, plans to live in caravan…
– … Couple who do that wonder about selling the house they rent out
– Do inflation numbers take shrinkflation into account?
– How to find a financial adviser
– I goofed up on a student loan moral issue
How to pick the best KiwiSaver fund for you
4 steps: (Also applies to non-KiwiSaver funds)
1. Most important: Work out your risk level
2. Choose a fund at your risk level — including why you should largely ignore past returns
3. Other info on Smart Investor
4. Check the ethics of funds
Q&As:
– How to help student financially — and KiwiSaver tip for parents of teens
– Reader caught in scam impersonating me
– Bitcoin plunge a warning for all investors — like tulip mania
– Where to invest proceeds from selling rental
Q&As:
– Note to readers: fortnightly column
– Couple in 70s should sell 1 of 2 rentals and relax
– How to invest savings in retirement …
– … and for other goals such as uni
– The power of reinvesting dividends — and when not to
– What if KiwiSaver access age rises?
Which is better – paying down the mortgage or investing?
– Questions from listeners on this
– Also a question on whether you can make faster repayments on a fixed term mortgage
Q&As:
– How 22-year-old should handle inheritance
– Could NZ funds fail, as they did in Australia?
– Sell 80-year-old’s home, or get reverse mortgage?
– And is 75 too young for such a mortgage?
– How much caution in retirement?
Q&As:
– Couple in 70s sell home to fund retirement fun
– While couple in 50s may choose to stay renting
– How young reader may get into housing market
– Where are those tiny KiwiSaver fees?
Q&As:
– House-sitting their way to home ownership — and keeping debt down
– Gold v share funds v rental property
– Is burying your gold a good idea?
– Unusual Simplicity fund investments
– Correction on share fund tax
2 unhappy listeners: on home ownership v renting, and active v passive fund managers
– Email from woman with mortgage-free house challenging my statement about renting being cheaper than home ownership
– Text from man challenging what I say about active fund management
Q&As:
– Is it time to move out of growth funds?
– Bank KiwiSaver funds not in compensation scheme
– Gold v shares? What about costs?
– Preference shares not an alternative for term deposits