NZ Herald 25 March 2017
Q&As: A good reason to have a high credit card limit; One reader fires his bank…; …While another is fiercely loyal; Why I prefer managed funds over shares for most; Rules about income for recipients of rest home subsidy.
Q&As: A good reason to have a high credit card limit; One reader fires his bank…; …While another is fiercely loyal; Why I prefer managed funds over shares for most; Rules about income for recipients of rest home subsidy.
Q&As: Many reasons why a winning active share fund won’t stay on top; Why do husband and wife’s funds perform so differently?; Offset mortgages more vulnerable than revolving credit loans; No plans for 2 big banks to follow others with offset mortgages; Do employers deserve praise for contributing to KiwiSaver?; Update on proposal to raise NZ Super age.
Q&As: Better to put savings towards mortgage than emergency fund; How to weigh up KiwiSaver versus other saving; Reader not stuck with KiwiSaver provider, but costly to move; Reactions vary on discussion about which indexes to use.
Q&As: Risky to put all your money in a single share; Reader recommends book and website about index funds; NZ research on active v passive similar to elsewhere; My maths is called into question; A reader doesn’t like debate in column…; …But another reader is happy; KiwiSaver rules if you move overseas.
Q&As: Ethical investing can be effective — even if it’s not done perfectly; KiwiSaver tax credit continues if you’re overseas briefly; Deduction of overseas pension from NZ Super the only fair way.
Ethical KiwiSaver. Also my approach to investing in shares. Ethical KiwiSaver: how funds invest, risk, returns and which providers; A listener’s critical letter and my response; Warren Buffett is special; Can amateur investors beat the market?
Q&As: ‘Laddering’ term deposits has several advantages; Riskier funds tend to do better, but fees hit reader’s returns; Get agent’s advice on upgrading house before selling?; Reader’s first KiwiSaver tax credit a disappointment.
Listeners’ questions on KiwiSaver performance and timing markets: Why average investors do worse than the market as a whole; How to pick a good fund manager; Would it be good to buy recent losers?; Will brokerage prevent drip feeding into shares?; Etc.
Q&As: ‘Ripped off’ reader should shop around rather than dropping life insurance; How to judge a KiwiSaver fund; Start small, and keep going; Help for woman with $100,000 in credit card debt.
KiwiSaver performance, and timing markets: When should we take note of KiwiSaver performance?; What’s happened since KiwiSaver started; Why shares always do best over long periods; Why timing markets doesn’t work; What to do about that.