Q&As: Time for over-savers to spend on fun experiences — but still save some; 65+ man’s KiwiSaver plans overly optimistic; All guardians must sign before children join KiwiSaver — which seems unfair; How to judge a KiwiSaver fund’s volatility using fund finder.
Q&As: Wisdom for bankrupt couple from one who has been there; How to find ethical funds in the KiwiSaver Fund Finder; Dangerous issue with last week’s picture; Stop tampering with KiwiSaver; Last column of the year and thanks to correspondents.
Q&As: The problem with do-it-yourself annuities; Employee super schemes still offer annuities; How new tool helps you choose a KiwiSaver provider; 3 Q&As give advice to bankrupt couple from those who have been there.
Q&As: Dripfeed money when moving it from country to country; Home exemption from capital gains tax applies to farmhouses but not farms; Should people overseas be allowed to use KiwiSaver money to repay student loans?; Is prostitution just another job?; Sex worker’s letter makes a reader weep; Escaping the trap of over-valuing money.
Q&As: Reader’s shareholding success probably more luck than skill; There’ll always be renters, but that doesn’t mean we have to love landlords; Property investors with big debt take big risk — and why do they brag?; Older workers do take jobs from the young to some extent; KiwiSaver contributions not taken from redundancy pay; On quitting KiwiSaver to start a business.
Q&As: Student loan question brings out the differences in a couple’s attitudes to money; 2 Q&As about making use of the student loan repayment bonus — which expires on March 31 — while students are still studying; Clarification of some tricky wording about student loans; A warning for couples: Relationship property agreements should not be DIY.
Financial misbehaviour disappointing. Ironically, a survey on New Zealanders’ financial behaviour was released just days before Christmas — a time of much financial misbehaviour, when everyone’s saying, “I don’t care what it costs, I’ve just got to buy something for Uncle Fred.”
Q&As: Lessons from a bad managed fund investment; An older reader’s tips on money and life; Do parents commit their children to KiwiSaver if they sign them up?; Meaningful Christmas giving.
Q&As: A couple of concerns about buying shares in the company you work for; Bank’s mortgage changes don’t look like profiteering; New graduate shouldn’t bypass KiwiSaver; 3 Q&As about gloomy predictions and investing in gold.
Q&As: The hazards of comparing share and property investments; 4 Q&As on whether we’re headed for financial catastrophe; Who can get the Carer’s Benefit, and how much is it?