Q&As: Couple in 70s plan to sell house and rent. Why not?; Stay conservative if you don’t know when you’ll need the money; Member of bank KiwiSaver scheme watching his balance too closely; Future government unlikely to limit KiwiSaver withdrawals in retirement.
Q&As: Don’t be too tough on payday lenders, reader says; Couple in 50s could sell their home and become renters…; …or sell it and move somewhere cheaper; Should inheritance go into KiwiSaver?
Q&As: Breaking term deposit not easy, even after customer has stroke; How couple might set up money for retirement…; …And how a more conservative woman might do it; No change on KiwiSaver employer contribution rules — yet.
Q&As: Proposed KiwiSaver changes would help many, but not reader; Share investment ‘rule’ applies even if you’re 80; Reader unhappy about share v property comparison; Former accountant spills the beans on tax complexity.
Making KiwiSaver Better: Compulsion?; Change default fund investments?; Get rid of total remuneration?; Change contribution holidays rules?; Rename tax credit and contributions holidays?; Help with income and investments at retirement?; Reminder about tax credit.
A New Idea For Rainy Day Money: What is rainy day money?; New proposal that could help many; Currently — sources of emergency cash; Where to keep rainy day money; Let charity pay!
Q&As: Does Labour still plan to restart KiwiSaver kickstart?; House sale price shows the power of long-term compounding; Reader surprised by my advice to sell rentals in retirement; Another retiree thoroughly enjoys being a landlord; Battle between property investors and first home buyers; Wealthy reader agrees that lack of capital gains tax is unfair.
Q&As: Teacher loses KiwiSaver employer contributions at 65, but colleagues don’t; Pay off student loan or mortgage — or invest elsewhere?; Ex-real estate agent explains why it’s not wise to list with several agents; Why haven’t agents’ commission rates fallen as house prices soar?; Move to Kawerau not feasible, says Auckland pensioner.
Q&As: Small town a good deal for retired couple; Budgeting whizz kid loved story of woman buying a house on $30,000…; …but struggling mother didn’t; Can’t reinvest dividends? Send them to your KiwiSaver account; My recommended real estate commission structure outlined; Reader outdoes agents, selling on her own.
Q&As: How to tell if you’re on track with your KiwiSaver savings; Reader is saving too much, spending too little on fun; Even conservative KiwiSaver funds go negative sometimes; Allowances paid to employees not included in KiwiSaver contributions.