Insights from conference on financial capability:
– Behavioural scientist’s tips on goal setting, importance of framing, watch those one-time expenses!
– Mostly positive comments from experts
– How one Porirua East project is doing great work
Q&As:
– 2 Q&As on whether to sell investments to pay down debt
– Should family use more than one KiwiSaver provider?
– How bitcoin and gold are taxed
– Let’s stop tax bracket creep
Q&As:
– Help for couples with different attitudes to money
– Where to save for a baby’s future
– Worries about S&P500 index funds …
– … Investing in many index funds
– Did NZ Super Fund get it wrong?
– “Clever” taxpayers like Prime Minister?
How women and men invest differently — the good and bad
– Women run everyday money better
– But financial knowledge gap increases with age
– Retirement savings gap
– Women trade less — good!
– But women take too little risk
– Good news on parental leave and KiwiSaver
Q&As:
– Keep investing, or get rid of that debt?
– Super Fund result doesn’t put me off passive funds
– Some readers dislike last week’s chauffeur letter…
– … While others love it
– Using tax loopholes “not open to criticism”?
Q&As:
– DIY funeral costs much less
– A better way to set up life insurance
– How life insurance helped a reader who is still alive
– It’s best to ignore fear and greed in the markets
– No tax break on KiwiSaver contributions via employer
– How to set up laddering of term deposits
Q&As:
– Not every treat costs money
– How to spend more
– What happens to government KiwiSaver contributions when you head offshore
– A high-growth fund as you approach retirement?
– Try not to drop health insurance
How to boost your saving
– Open separate account
– Set a goal
– Pay yourself first
– Start small
– Play mind games
– When expenses or taxes decrease…
– Inheritances and wins
– The pay rise promise
Q&As:
– Insider tips from KiwiSaver provider about employee contributions
– Use KiwiSaver at 65 to pay off overdraft
Plus:
– Upside Downside: Risky behaviour: Taking on more volatility than you can cope with
– Risky behaviour: Letting your emotions rule your investment decisions
– Risky behaviour: Taking on more work or worry than expected
Q&As:
– Life insurance is usually for more than the funeral
– How to run elderly relative’s finances
Plus:
– Upside Downside: Risky behaviour: Expecting past performance to continue