Q&As: Couple leaving Auckland shouldn’t worry about being unable to get back into that housing market; 96-year-old still saves — and likes visits more than presents; One reader thinks 88-year-old should spend as he pleases…; Another worries the granddad is being exploited …; And another says it’s important to talk to the elderly about money; Why shouldn’t a retired person get a mortgage?, reader asks.
Q&As: Caravan couple’s plans for their savings seem too risky; How to find a cash fund — an accessible alternative to a term deposit; Why international investing is not as complicated or risky as reader thinks; Minimum KiwiSaver contributions for non-earners hoping to get first home grant. Plus: How would you improve KiwiSaver?; 2 reminders about KiwiSaver.
Understanding risk and return: A survey suggests New Zealanders don’t get it; What investments give the highest returns?; What do we mean by risk?; Who should take investment risk?
Getting out of investments. The importance of being able to get out of investments: Which investments are easy to cash up, and which are not; The costs of selling. The importance of not being forced to sell: Do a worst case scenario; The risks of borrowing to invest.
Q&As: Should solo mum keep her house and rent it out while moving to better school zone?; Invest in share fund or pay off mortgage?; No government guarantee of future NZ Super, but don’t worry about it; Why a KiwiSaver growth fund invests lots in fixed interest.
Q&As: With mortgage paid off, should KiwiSaver contributions rise — plus new contributions options; Does couple have too much in property, and does it matter?; Big KiwiSaver provider staff members don’t know basic info; One more provider gives kids a break on fees.
Q&As: House price fall not bad news for everyone; No thanks, Pete, I’ll skip your offer; Long-term landlord could lose nearly a third of value under CGT; Why the fuss, property investors?; Landlord happy to accept CGT; I misread last week’s letter, but the point is unchanged
Q&As: Dad misunderstands how best to contribute to children’s KiwiSaver accounts; KiwiSaver, 24, wonders whether to aim at first home or retirement money; How we blew our chance to adjust taxes for inflation; Further thoughts on inflation and the capital gains tax; Suggestion to ‘Caravan woman’ that she sells at least one rental property.
Q&As: Capital gains tax on second homes would be based on gains from April 2020; New tax would reduce income inequality; The right adviser could help readers decide whether to sell rental; It would be great if online tool showed ethics of companies.
Q&As: New Smart Investor online tool will give reader info on non-KiwiSaver investments; Past performance can be very misleading; Former rental property fan is now getting out; Couple should consider young children in their investment decision.