Managed funds

RNZ Radio 25 February 2021

February 25, 2021
RNZ Radio

Follow-up from last time: If not paying extra off mortgage, where is best place to invest? Shares?
– But first: 2 texts commenting on last session
– Alternative investments need to be: high enough risk, long-term. Also: can you cope with volatility? Are you strong financially?
– 2 choices: property and shares. Are they over-valued?
– Rental property might work, but…
– Shares: Some people too fearful, others too brave.
– 2 ways to approach shares: trade, or hold for long term.
– 2 ways to select shares: pick individual shares, use share fund
– In a share fund, 2 styles: active and passive.

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NZ Herald 20 February 2021

February 20, 2021
NZ Herald Q&A Column

Q&As:
– Safe, accessible, and going backwards — invest beyond bank accounts
– KiwiSaver a good spot for grandfather’s gifts
– My “cavalier response” last week about p/e ratios angers reader
– Comments from a café in Thames
– Why long-term rental leases might not work…
– … And how they might be made to work

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NZ Herald 13 February 2021

February 13, 2021
NZ Herald Q&A Column

Q&As:
– What can we learn from a commonly used share ratio?
– What I do instead
– Readers’ property value has zoomed, but shares are similar
– A tale of bad landlords
– A tale of good landlords

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RNZ Radio 11 February 2021

February 11, 2021
RNZ Radio

Is paying down your mortgage still the best strategy?
What to do with extra savings — beyond KiwiSaver minimums etc.
Also lump sums — inheritance, redundancy, win
– Mortgage used to be the winner — after include tax and fees. Now — with 2–3% loans?
– Other options: more into KiwiSaver, non-KiwiSaver funds, shares, rental property?
– The main issue: risk — needs to be high enough risk, long-term. Can you cope with volatility? Are you strong financially?
– Other issues: security (psychological and financial), simplicity, but diversification, learning about markets
– Penalties for paying fixed-term mortgage early
– Conclusion: perhaps do what you want!

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NZ Herald 21 November 2020

November 21, 2020
NZ Herald Q&A Column

Q&As:
– Early retirees should think about how that affects their children
– FIRE fan shares his savings numbers
– Exchange traded funds should have been included last week
– Reader’s time overseas won’t affect his NZ Super
– Enticing young into subsidising elderlies’ health insurance won’t work …
– … But maybe a GST change could help
– Accountant’s comment to tax complainers

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NZ Herald 14 November 2020

November 14, 2020
NZ Herald Q&A Column

Q&As:
– FIRE movement lets you retire many years earlier
– Keep up basic health insurance in retirement, despite cost
– Rental or shares could save woman from reliance on the state
– Sorry, but overseas relative can’t get KiwiSaver government contribution

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NZ Herald 24 October 2020

October 24, 2020
NZ Herald Q&A Column

Q&As:
– How to buy a car without a chequebook
– Advice on banking without cheques
– $11.98 for a 40-hour week!
– More on the tax on KiwiSaver and other PIE funds
– Act fast to beat NZ Super change for some couples

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NZ Herald 17 October 2020

October 17, 2020
NZ Herald Q&A Column

Q&As:
– Boys’ KiwiSaver first home savings should work well
– No clear answer for family’s mortgage dilemma
– What if that cheque had been bigger?
– Reader can still call it a “cheque” account!
– Challenge on PIE tax only partly right

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NZ Herald 10 October 2020

October 10, 2020
NZ Herald Q&A Column

Q&As:
– Time to accept that cheques are a thing of the past, and learn online banking
– “What’s that?” — the young ask about a cheque book
– For short-term money use term deposits or a cash fund
– Reader misses the point about fun element in Bonus Bonds
– One bank offers car and cash prizes on savings
– How to seek refund if you’ve overpaid tax on NZ Super

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NZ Herald 26 September 2020

September 26, 2020
NZ Herald Q&A Column

Q&As:
– If it looks like a scam…
– How to work out return on an investment
– Where to put the grandkids’ Bonus Bond money
– Bonus Bond investor seeks another fun investment
– Readers seek details about NZ Super payments

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