Q&As:
– 20-year-old could perhaps try borrowing to invest in shares
– Reader misunderstands 10-year share rule
– KiwiSaver fund a good idea for great grandson
– How KiwiSaver is taxed, and what happens the year you turn 65
– “But the cheap wine tastes better!”
– Take care with employee share ownership schemes
Low-risk funds — a good alternative to bank term deposits
(But first — a quick follow-up on share trading)
– Defensive and conservative funds, in and out of KiwiSaver
– Where to get info — Smart Investor tool. Look for low fees.
– Don’t panic when balance falls a bit
– Comparison with bank term deposits:
— Pluses: withdrawals, PIE tax, safety
— Minuses: fees, don’t know returns, some volatility
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
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
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
Q&As:
– Where to put your money if you’ve lost faith in all financial assets
– Why being in a balanced fund isn’t always equal to being in both low- and high-risk funds
– Suggestion for last week’s couple unable to buy a home because of his parents’ mortgage
– Tax on PIEs and uneven tax burden
Plus:
– How to make use of new info on KiwiSaver statements
Q&As:
– Help abounds for young man who helped parents get a mortgage
– My tax info not good enough for accountant
– How to tell how strong your bank is
– Can you be in more than one Simplicity fund?
– House buying plan depends on two impossible forecasts
– Put most of savings into house deposit
– Young man loses house deposit in receivership
– Divorced woman, 59, should put most money into new home
Q&As: Priorities for a family making a KiwiSaver financial hardship withdrawal; Use savings to pay off mortgage; Is KiwiSaver really tax-exempt?; How to calculate KiwiSaver tax credit for the year in which you turn 65; Older KiwiSaver goes for riskier funds; Is there age discrimination in KiwiSaver?
Q&As: Three Q&As on options for would-be first home buyers struggling to afford a home — go cheaper, and go further away. (Bonus: a job opening in Wanganui); An angry reader misunderstands where I’m coming from; Two Q&As ponder how building costs and land development costs affect house prices; Further explanation about how PIRs work.
Q&As: Delaying joining KiwiSaver can mean you’ll miss out on many thousands of dollars; How retired person can get the best out of KiwiSaver; Couple should use PIEs to make the most of their savings.