Q&As: KiwiSaver still great for children, even though the fee subsidy is gone; Now might be an okay time to get into a rental property — for family in the right circumstances; Should young retiree switch some savings into a share fund?; Two Q&As offer advice — on school fees and insurance — to woman with dying husband.
Q&As: No use crying over split milk: Investor can still make use of 10-year rule; Not all landlords have a dream run with their tenants; How KiwiSaver returns are boosted; Do KiwiSaver contributions need inflation-proofing, and if so, how?
Q&As: Don’t try to time markets. Stick with your regular retirement savings, although you may want to modify where you save; Teen’s worries are unfounded about how Dad’s income would affect KiwiSaver first home subsidy — but other subsidy issues still undecided; Tax-wise, it’s better to borrow for taxable activities than to buy a family home. Plus: Clarification on the taxation of interest on loans between family members.
Q&As: Couple approaching retirement should spend most of their savings on paying off their mortgage; Yes, you can get KiwiSaver tax credits as well as NZ Super; Reader who distrust government confuses KiwiSaver with NZ Super Fund; Was this column wrong last week about withholding tax on interest paid on a loan within a family?
Q&As: Calculator tells reader to stop saving and live it up a bit; Reader who finds KiwiSaver nauseating has a scary list of things that could go wrong…; …But another one applauds KiwiSaver, while sitting on the home ownership sidelines.
Q&As: What happens to KiwiSaver accounts in a divorce?; How KiwiSaver might affect NZ Super, and what you should do about it; A source of basic KiwiSaver information; The NZ share market index that includes dividends has been misleading in the past. How much does it matter?
Q&As: Three Q&As about KiwiSaver: Reimbursement of employer contributions; is daughter overseas eligible?; When is mortgage diversion helpful?; Where can you get the information that was in the three Herald supplements about KiwiSaver? …And: Rental property running costs mount up over the years.
Q&As: Student allowance rip-off is not OK; Advice for house-less Gen Xers: Buy a rental property in the provinces; Rental property buyers feel like the scourge of society; The cliché king has his say; Cardboard boxes and contentment.
Q&As: Many elderly, and others, could benefit from rates postponement schemes; Why floating interest rates might be better — for home equity release schemes and ordinary mortgages; A not-so-dumb question about the $50,000 exemption for international tax changes, and a new source of info on the changes.
Q&As: Are home equity release (HER) schemes — which lend to retired people with homes but little income — a rip-off?; Sentinel defends its HER schemes, but they are still expensive compared with possible alternatives. Also: Seeking your questions about KiwiSaver.