Q&As:
– When it can be good to be in debt — how rental property works
– Adviser didn’t listen
– Are term deposit investors being treated unfairly?
– How best to turn shares into deposit for child’s home
– Using KiwiSaver for its lower fees
Q&As:
– Does laddering term deposits work well in volatile markets
– Reader takes a wise longer-term view of share markets
– How some KiwiSaver providers use — and charge members for — financial advice
– Moving providers is ok in volatile markets — but ask adviser what’s in it for you
Q&As:
– Getting out of share market is not wise
– Keep an eye on economic numbers — but not to predict share markets
– Did reader lose during KiwiSaver provider transfer?
– No, don’t cut your contributions!
– Reduce risk on spending money
– Should older investors stick with term deposits?
– 2 readers sing the praises of cross lease property
Q&As:
– How to invest while living a gypsy life — for saving for anything else
– Oops! Growth funds don’t work for short-term saving
– When your money really is goneburger
– How to pick which share platform to use
– Why 4 “good” shares are not performing well
– Worries over whisky
Q&As:
– Keep that money out of KiwiSaver, unless…
– Does Simplicity’s recent performance prove passive investing is no good?
– Last week’s couple may have been referring to house size
– Reader’s terrible experience with cross lease property
– Justifying NZX50’s inclusion of dividends
Are KiwiSaver members getting value for their money?
Financial Markets Authority (FMA) is looking into this.
Report from a panel discussion on the topic at a conference:
– Are fees coming down?
– Some providers pay commissions to advisers who bring in KiwiSaver members
– Some performance fees are unfair
Also, brief comment on controversy over GST on KiwiSaver fees
Q&As:
– Which type of housing will grow fastest in value? Who knows?
– Should all family members be with the same KiwiSaver provider?
– How to sign up children to KiwiSaver, and how to contribute to it
– Reader suggests alternative investment for 6-year-old with inheritance
– When older people can still get a mortgage
Q&As:
– There’s still hope for scam victims
– Gloomy reader was wrong one year later, and 11 years later!
– Retired couple’s two worries — fluctuating KiwiSaver and access to the money
– What to do with 6-year-old’s inheritance
Start — or increase — your saving NOW
– Starting to save early in life makes a huge difference
– The cost of delaying for just two years
– How much more you can save in a higher-risk KiwiSaver fund
– The power of changing KiwiSaver contributions from 3% to 6%
– Use KiwiSaver calculator on sorted.org.nz
Q&As:
– How does diversification apply to a share fund?
– Don’t forget fees and tax when comparing mortgage paydown and investing
– Small payments off fixed mortgages okay …
– … and bigger payments easy in current environment
– Many Q&As about last week’s angry reader and my response