NZ Herald 19 November 2016
Q&As: NZ tops the world — so it might be better to wait to buy a house; KiwiSaver tax credit still $521; Share fund not so great — especially if you check what it’s measured against.
Q&As: NZ tops the world — so it might be better to wait to buy a house; KiwiSaver tax credit still $521; Share fund not so great — especially if you check what it’s measured against.
Q&As: In retirement planning, first work out how long you’re likely to live; Did angry reader actually read my last column?; Another columnist and I battle it out over active v passive funds; Sometimes leasehold property works out well.
Q&As: Should we be getting out of property and shares?; Leasehold property not always a bad idea, but…; KiwiSaver tax credit numbers not quite right.
Q&As: Like it or not, retiree didn’t directly contribute to NZ Super he now receives; Buying leasehold property is for high risk takers only; KiwiSaver first home withdrawal rules much less than grant rules; Dividends beat bank interest, but riskier.
Q&As: Ethical investing can be effective — even if it’s not done perfectly; KiwiSaver tax credit continues if you’re overseas briefly; Deduction of overseas pension from NZ Super the only fair way.
How emotional thinking can get in the way of good investing. Understanding common reactions can help you guard against bad decisions. Reactions include: Responding to how things are presented; Sticking with the status quo; Responding to how things are named; Following the crowd; Emotional attachment; Being overwhelmed with information; Fear of regret; Not considering the whole portfolio.
Q&As: Should couple sell Auckland rental now or keep it until retirement?; How to contribute something other than 3,4 or 8% to KiwiSaver; What happens when a KiwiSaver turns 65; ‘Good news’ letter a reminder to the young; Auckland too pricey? Try Dunedin; Update on KiwiSaver HomeStart grants.
Q&As: Should we bail out of bank accounts if house prices plunge 40 per cent?; All bank accounts and term deposits affected if a bank fails; Thanks but no thanks to a suggested video; Share funds much safer than finance companies were; 65-pluser should stick with KiwiSaver given employer’s generosity.
Q&As: Property upgrading sometimes works well, but not always; Was I paid for “advocating” a type of investment?; Unknown unknowns can hurt investors; Get on with property investing, regardless of the market.
Timing the housing market, and KiwiSaver first home help: The one market where you can’t invest gradually; How to make the decision; How much does it matter?; 2 ways KiwiSaver helps first home buyers.