Q&As:
– Good and bad debt — and when good debt goes bad
– Cryptocurrency hugely volatile, not for the short term
– Aliens’ view of gold investments
– KiwiSaver first home withdrawal when buying bare land
– Meaningful Christmas presents
Q&As:
– How gold compares with shares over the short and long term
– Property fund wrong for 92-year-old
– Is this a good time to reduce KiwiSaver risk?
– Cash fund? Term deposits? A bit of both
– Reader unfair about last week’s Q&A
My top ten money tips — Part 1
– Be in KiwiSaver — get the free money
– Get the right risk level — most important
– Don’t assume success will continue
– Diversify within one type of asset: shares, bonds
– Diversify over different assets
– Plus some listener questions
Tips on buying a house or apartment
– Now it’s a “buyers’ market” — but don’t try to time markets
– Get a LIM — important info
– See property at different times
– Check the neighbourhood
– Online valuations
– Building inspection
– Negotiating — including auctions
– Very important: be prepared to walk away. There are always other good houses!
Q&As:
– Why rental property is not a great retirement investment
– What about commercial property?
– How to handle money when husband going into care
– Help available for the retired
– Rule of 72 — when debt doubles
Q&As:
– Should parents monitor older teens’ bank accounts?
– Pay down mortgage or save?
– Reader: Shares are not high-risk
– Am I a Boglehead?
– Low-fee funds winning for this family
– Can employer not do KiwiSaver?
Q&As:
– Low-risk way to invest in rentals
– Another good way to invest in property, but …
– Easy way to give to charities
– KiwiSaver versus term deposits in retirement
– Big KiwiSaver fee savings, and getting risk right
– Best way to compare KiwiSaver fees
Q&As:
– On benefits and inheritances
– Why share broker asks all those questions
– Charities make it too hard to give
– Landlords worse off than tenants?
– One landlord’s take on it all
– More landlords equal lower rents
– Thanks for running angry letter
Q&As:
– Don’t get too confident about your investment skills
– A way to compare paying down mortgage vs shares
– Home loans get easier over time
– Putting “princely sums” in context
– KiwiSaver returns over a decade
– How banks lend to retired people
– Move to new provider, at same risk, any time
The wisdom of our listeners!
Listeners’ best financial moves — entries in recent giveaway of Mary’s newly updated “Rich Enough? A Laid-back Guide for Every Kiwi”. We can all learn from them — or be amused by them.
– Marriage
– Debt
– Budgeting
– Investments
– Less conventional investments
– Saving for children