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.
Q&As: Should readers put inheritance into a rental property?; Should another reader keep their rental or seek higher returns?; Property versus shares over the last 10 years; Couple in late 70s should reconsider shares — and their adviser; Reader perhaps overrates paying down mortgage.
Winning questions. The best 5 listeners’ questions are answered on air, and the questioners receive a copy of Mary’s new book. Their questions cover: Is house out of reach for couple in their 30s?; Ways to get value from your house in retirement; Which debt should you pay off first?; Couple worry about investing in Auckland apartment; How a beneficiary should handle an inheritance.
Q&As: Do we need $1 million for retirement?; Is “rule of thumb” offensive?; Advice that has stood the test of time; Reader says property manager well worth it; Is buying jewelry a way to get subsidy?
Q&As: Help for woman whose husband did all the finances — and then left; Rent and hold, rent and sell, or stay put?; Reader points out fishhook in the idea of selling your home and renting in retirement; At least one bank gives KiwiSaver members the option of not seeing balance daily.
Q&As: Woman starting again after separation could get KiwiSaver help; Reverse mortgage not a good idea for retiree with rental and cash; How to decide your KiwiSaver risk level.
What people still don’t get about KiwiSaver! Plus discussion with a listener on employer contributions: Follow-up to last time about KiwiSaver and employer contributions; Survey on which investments give best returns; Why KiwiSaver should score better; Other concerns with the findings.
Q&As: Proposed KiwiSaver changes would help many, but not reader; Share investment ‘rule’ applies even if you’re 80; Reader unhappy about share v property comparison; Former accountant spills the beans on tax complexity.