GETTING A KIWISAVER WOF — for people of all ages
Worried about how the Covid-19 pandemic is affecting your KiwiSaver investment, and wondering what to do about it?
Or is KiwiSaver the last thing on your mind? Maybe you were auto enrolled and have ignored it since.
Q&As:
– A spoilt grandson? Set up a contest with him!
– When KiwiSaver government contribution is smaller
– Is it OK to move to higher-risk KiwiSaver fund?
– … How about to a lower-risk fund?
– Don’t stop contributing to KiwiSaver
– One reader does well with Bitcoin
– Buffett on Bitcoin
– Reader worries about others’ Bitcoin “investments”
Q&As:
– Why lower fees for retired KiwiSaver wouldn’t work
– I decline a challenge on market timing
– One reason to use a real estate agent
– How to test if a company is a scam
– Reader “sucked in” more than he realises
Plus:
– Talk on Mistakes Investors Often Make
Are KiwiSaver funds good value for money? If not, what should you do about it?
A listener asks about Financial Markets Authority report on KiwiSaver and other managed funds
– 3 key findings: impact of fees, wrong indexes, commissions paid
– KiwiSaver still worth being in because of government and employer contributions
– But go for low fees
– Funds with high returns often don’t stay good
– Is KiwiSaver best if contributing for grandchildren?
Q&As:
– Buy first home when it’s right for your family, not when the markets are right
– Make sure you get government KiwiSaver contribution — and go for low fees
– Where to get info on selling a property without an agent
– Reader is angry with what I’ve said about Bitcoin
– Tricky to choose term deposits, or mortgage terms, in these changing times
– Which fund for KiwiSaver money to be used for first home deposit?
– One way to understand how market falls affect your KiwiSaver balance
– Change KiwiSaver provider at any time, if you stay with same risk level
– How to cruise through market volatility
Q&As:
– Bitcoin a worrying investment — even if bought through a local platform
– When is a cash fund not a cash fund?
– Why funds with lots of bonds are doing badly
– Get your money in the right risk levels for you
– Reader says tax system favours landlords…
– … While another says the opposite
Q&As:
– Financial adviser’s suggested plan is diversificraziness!
– Reader is wise to be cynical about two advisers
– Reasons not to invest in DGL after CEO’s sexist and racist comments
– 2 readers question role of auctions in house price rises
– Tale of a 1980s share club
Plus:
– Talk on Great Barrier Island
Q&As:
– Yes, start a school share club, but watch the messages
– Reader offers help with setting up a share club
– Gold good for 2000 years, says reader
– Which prices have risen most — and the good news about wages
– This column loses a reader, for his “mental well being”
Q&As:
– Bonus Bonds weren’t only about returns
– Gold is not the best spot for reader’s inheritance
– Are billionaires the new millionaires?
– Retirement savings idea not a winner
– Unfairness in treatment of overseas pensions?
Q&As:
– The safest place to park a huge inheritance
– Finance company pays more interest, but for a reason
– Don’t sit on house market sidelines, says reader
– When is a millionaire not a millionaire?
– A break for some superannuitants who had lived overseas
– It’s not just this column that can be shady!